Comparison
Aliquot vs Stripe stablecoin payments
Short answer
Choose Stripe if you already take cards on Stripe and want customers to pay in USDC from the same checkout, with the money landing in your Stripe balance as USD. Choose Aliquot if you run a platform that takes USDT or USDC on Polygon PoS, BNB Smart Chain or Base and needs every payment split between seller, affiliates and your own markup on a double-entry ledger, then paid out to wallets. Stripe’s pricing page lists 1.5 % for stablecoins; Aliquot charges 1.00 %, down to 0.50 % with volume.
How do Aliquot and Stripe compare at a glance?
| Topic | Aliquot | StripeChecked on 1 November 2026 |
|---|---|---|
| Processing fee | 1.00 % of the base price at first, down to 0.50 % from 500,000 USD of monthly volume, by published tiers. | 1.5 % of the transaction amount in USD, including conversion to fiat, wallet and AML screening, fraud prevention and gas sponsorship. Under Link, the page also lists stablecoins at 0.8 % per successful transaction, a promotional rate through 1 January 2027, “+ 0.2 % thereafter”.[3] |
| Tokens and networks | USDT and USDC only: Polygon PoS (USDT, USDC), BNB Smart Chain (USDT) and Base (USDC). | USDC on Tempo, Ethereum, Solana, Polygon and Base; USDP on Ethereum and Solana and USDG on Ethereum (US only). USDT is not listed.[1] |
| Settlement and custody | Stays in stablecoins, no conversion. Funds are held in wallets controlled by Aliquot until you pay them out; balances are kept per account, network and token. | Settles in your Stripe balance in USD (your local currency).[1][2] |
| Splits and affiliate payouts | Per invoice: a seller plus up to 20 percentage splits to partner accounts (affiliates), computed on the base price. | Through Stripe Connect: crypto payments work with all Connect charge types; each connected account must have the crypto payment method enabled.[1] |
| Platform markup | markup_percent, 0–20 % per invoice, credited to your platform account. | Connect is “included with Payments” when Stripe handles pricing; platforms that deploy their own pricing to earn revenue on each transaction start at 0.25 %.[3] |
| Ledger | Append-only double-entry ledger. Each invoice returns its posting, and balances are readable by API. | Payments land in your Stripe balance; a ledger model is not described on the pages checked. |
| Refunds | Only for money not owed to the seller (overpayments, expired partial payments, late or wrong-token transfers): the buyer claims it through a private link and pays only the network cost. There is no refund of a completed sale. | Full and partial refunds, returned as stablecoins to the customer’s original wallet. No disputes or chargebacks.[1] |
| Payouts | From an account’s available balance to any 0x wallet: 1 USD + 0.1 % of the amount, with a two-factor step-up. | Global Payouts: stablecoin payouts to crypto wallets at 0.50 USD per payout + 0.5 % of the amount.[3] |
| Sandbox | The same API, checkout, webhooks and ledger on Polygon Amoy, BSC Testnet and Base Sepolia, with free test tokens. | A Stripe sandbox with testnet assets; Stripe recommends MetaMask, Polygon Amoy and the Circle faucet.[2] |
| Confirmations | Credited at 64 confirmations on Polygon PoS, 15 on BNB Smart Chain and 30 on Base. | Payout timing “varies by network”; confirmation thresholds are not published on the pages checked.[1] |
| Recurring payments | Not offered. | Yes, with Stripe Billing.[1] |
| Limits | Minimum invoice 1.00 USD. | Customer transaction limit of 10,000 USD per transaction.[1] |
| Checkout | Hosted checkout with a deposit address and QR code, payment links, a React embed, a Telegram Mini-App and the headless API. | Checkout, Elements, Payment Links and Invoicing; the customer connects a wallet on crypto.stripe.com to pay.[1][2] |
How much do Stripe and Aliquot charge for stablecoin payments?
Stripe’s pricing page lists stablecoin payments at 1.5 % of the transaction amount in USD, and says the rate includes conversion to fiat, wallet and AML screening, fraud prevention and gas sponsorship. The same page lists stablecoins under Link at 0.8 % per successful transaction, a promotional rate through 1 January 2027.[3]
Aliquot charges a processing fee on the base price of each confirmed payment: 1.00 % at first, going down to 0.50 % from 500,000 USD of monthly volume. There is no conversion to fiat: balances stay in USDT and USDC until you pay them out. fee_payer CUSTOMER (the default) adds the fee and your markup to the price; MERCHANT takes them from the seller’s share.
| Monthly volume | Fee on the base price |
|---|---|
| Up to 10,000 USD | 1.00 % |
| 10,000 – 50,000 USD | 0.85 % |
| 50,000 – 150,000 USD | 0.70 % |
| 150,000 – 500,000 USD | 0.60 % |
| Over 500,000 USD | 0.50 % |
Volume is per organization: the Live payments confirmed in the month. You get the better tier of last month and this month so far, and a new tier applies to the invoices created after you reach it. Over 500,000 USD a month, we can agree a rate with you.
Which stablecoins and networks does each support?
Stripe accepts USDC on Tempo, Ethereum, Solana, Polygon and Base, plus USDP on Ethereum and Solana and USDG on Ethereum for US businesses. USDT is not on the list.[1]
Aliquot accepts Polygon PoS (USDT, USDC), BNB Smart Chain (USDT) and Base (USDC). Credited at 64 confirmations on Polygon PoS, 15 on BNB Smart Chain and 30 on Base. These thresholds are a risk policy, not protocol finality.
Who can use Stripe’s stablecoin payments?
Stripe lists the US, with a private preview for businesses in the European Union, Hong Kong, Mexico and Switzerland. Its setup guide says the payment method is available to businesses in all US states except New York, and that you request it in the Dashboard and Stripe reviews the request.[1][2]
Can I split a payment between sellers, affiliates and my platform?
On Stripe, multi-party payments go through Connect: crypto payments work with all Connect charge types, and each connected account needs the crypto payment method enabled.[1]
On Aliquot, the split is part of the invoice: name the seller, add up to 20 partner shares and a markup of 0–20 %. Every share is computed on the base price, booked on the double-entry ledger and paid out from that account’s own balance.
How do refunds and payouts work?
Stripe refunds stablecoin payments, fully or partially, as stablecoins to the customer’s original wallet. Its Global Payouts lists stablecoin payouts to crypto wallets at 0.50 USD per payout plus 0.5 % of the amount.[1][3]
Aliquot does not refund completed sales. It holds money that is not owed to the seller (an overpayment, an expired partial payment, a late or wrong-token transfer) for the buyer, who claims it to a wallet of their choice through a private link. Payouts send an account’s available balance to a wallet for 1 USD + 0.1 % of the amount.
When is Stripe the better choice?
- You want cards and stablecoins in one Stripe account and one checkout (Stripe lists US domestic cards at 2.9 % + 30¢).[3]
- You want stablecoin payments to arrive as USD in your Stripe balance, with no crypto to hold or pay out.[1]
- You need USDC on Ethereum, Solana or Tempo, or USDP or USDG. Aliquot covers Polygon PoS, BNB Smart Chain and Base.[1]
- You sell subscriptions paid in stablecoins. Stripe Billing supports them; Aliquot has no recurring payments.[1]
- You need to refund a completed sale. Aliquot’s refunds only return money that is not owed to the seller.[1]
- Your marketplace already runs on Stripe Connect.[1]
When is Aliquot the better choice?
- You are a platform paying sellers and affiliates in stablecoins: each payment is split into seller net, partner shares, your markup and the fee, and booked on a double-entry ledger.
- You want to keep USDT or USDC and pay out to wallets, including USDT on Polygon PoS and BNB Smart Chain.
- You want a published fee schedule that goes down with volume: 1.00 % at first, 0.50 % from 500,000 USD a month.
- Your buyers pay from any wallet or exchange account by sending to the invoice’s deposit address, without connecting a wallet.
Sources
Official pages, all read on 1 November 2026. Numbers in brackets in the table point here. Prices and features change: check the source before you decide.
- [1]Stripe docs: Stablecoin paymentsChecked on 1 November 2026
- [2]Stripe docs: Accept stablecoin paymentsChecked on 1 November 2026
- [3]Stripe pricingChecked on 1 November 2026
Aliquot figures come from the Aliquot documentation and the fee schedule the API charges with. /docs/payments
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