OpenSettle vs. StripeWhen you should switch.
When you should switch.
When you shouldn't.
We're not going to tell you Stripe is bad. It's one of the best-built pieces of software infrastructure in the world. But for a specific and growing set of B2B SaaS businesses, it's no longer the right answer.
Side by side
The honest version of the comparison.
≡OpenSettle | Stripe | |
|---|---|---|
| Settlement | ||
| Non-custodial direct-to-wallet | Yes | No |
| Settlement time | ~12s on-chain | 2–7 business days |
| Payout minimums | None | $0.50 in most regions |
| Reserves or holdbacks | None | Up to 25%, risk-based |
| Chargebacks | None (final on-chain) | Yes, with fees |
| Subscriptions | ||
| Recurring stablecoin support | Yes | No |
| Card-on-file autopay | ERC-20 allowance + smart-wallet | Card-on-file |
| Self-serve customer portal | Yes | Yes |
| Dunning and retry | Yes | Yes |
| Coverage | ||
| Chains / tokens | 6 chains, USDT + USDC | – |
| Currencies billable | Any (USD-denominated) | 135+ |
| Global reach | 140+ countries (no local licensing) | 46 countries |
| KYC on end customers | No | Yes (for high-risk) |
| Developer | ||
| Typed SDKs (Node, Python, Go, Ruby) | Yes | Yes |
| Signed webhooks | Yes | Yes |
| Test mode with event replay | Yes | Yes |
| Dashboard quality | Modern | Industry-standard |
| Compliance | ||
| Regulatory classification | Software platform (non-custodial) | Money transmitter / financial institution |
| MTL / MSB registration required | No | Yes (Stripe holds) |
| SOC 2 | Type I; Type II in progress | Type II |
| PCI DSS | N/A (no card data) | Level 1 |
| Fees | ||
| Variable rate | 2% → 1% (tiered) | 2.9% + 30¢ (US) |
| FX markup | None (single-currency stablecoin) | 1% on cross-border |
| Monthly minimums | None | None |
Switch
When you should switch to OpenSettle
- You have meaningful non-US revenue — stablecoins outperform cards in LATAM, MENA, SEA, and Africa.
- Your customers are technical buyers comfortable with self-custody wallets.
- Payout delays and reserve requirements are costing you working capital.
- You want to eliminate chargebacks on B2B transactions that shouldn't have them anyway.
- Your legal team prefers infrastructure that doesn't require you to become a regulated financial entity.
Stay
When you should stay on Stripe
- Your customers are consumers paying with cards — cards are still the best consumer rail.
- You need features outside billing: Terminal, Atlas, Issuing, Connect Express, in-person POS.
- Your total volume is small enough that the difference in rate is immaterial.
- Your counsel has specifically requested a money-transmitter-licensed processor.
- You sell physical goods with complex fraud profiles that benefit from chargeback protection.
Run them side-by-side.
Most of our largest customers run both. OpenSettle for international B2B and crypto-native customers. Stripe for consumer cards. We're happy with that.