Stripe Alternatives That Accept USDC Subscriptions

Looking for Stripe alternatives that accept USDC subscriptions? Start with an honest fact: Stripe itself now supports stablecoin subscriptions. But access is a private preview, payments settle in fiat in your Stripe balance, and only businesses in a short list of countries can accept them.

If you want to keep the USDC, receive it in your own wallet, sell from a country Stripe doesn't cover for stablecoins, or avoid stacking processing and billing fees, there are crypto-native options built for exactly that. Below we compare Stripe with four alternatives on fees, custody, networks and how renewals actually happen.

Last checked: November 2026. Competitor facts link to each company's own pages.

What Stripe offers for USDC subscriptions

In October 2025, Stripe announced stablecoin payments for subscriptions: a smart contract lets the customer save a wallet and authorize recurring charges "without needing to re-sign each transaction," in USDC on Base and Polygon. Its subscription guide still asks you to request access to the preview.

From Stripe's stablecoin payments docs and pricing:

• Settlement: "Stablecoin payments settle in your Stripe balance in your local currency." You receive dollars (or your local currency), not USDC.

• Who can accept: businesses in the US, with a private preview for the EU, Hong Kong, Mexico and Switzerland. Customers can pay from almost anywhere.

• Fees: 1.5% per stablecoin payment, plus 0.7% of volume for Stripe Billing on the pay-as-you-go plan.

• Limits: up to 10,000 USD per transaction; refunds go back as stablecoins to the customer's wallet; no disputes.

For a US company that wants USDC subscriptions inside an existing Stripe setup and is happy to receive fiat, it's a strong option. The alternatives below make more sense when you want to keep stablecoins, sell from elsewhere, or pay less per charge.

4 Stripe alternatives for USDC subscriptions

1. TidePay: automatic USDC renewals straight to your wallet

TidePay is non-custodial recurring billing in stablecoins. The customer approves the subscription once from their wallet and, on EVM networks, signs the terms: the maximum per charge, the minimum interval and the fixed list of payees, which TidePay's contract enforces. Each cycle, the charge runs automatically and moves USDC from the customer's wallet to yours in one transaction. Nothing is converted to fiat and nothing sits in a TidePay balance.

• Fee: 1% per successful charge, 0.8% above $25K a month. No monthly fee and no separate billing fee. TidePay covers gas on automatic renewals; on one-time payments the payer covers gas.

• Networks and tokens: USDC and USDT on Polygon, Arbitrum, Base, Optimism and Solana; EURC on Base and Solana.

• Billing tools: paylinks, embedded checkout, REST API, signed webhooks, trials, retries with a 7-day grace window, split payments to up to 10 wallets, Discord roles and Telegram groups.

• Best for: SaaS and memberships that want to keep revenue in stablecoins, from any country.

2. Radom: crypto billing with low per-transaction fees

Radom's crypto billing page says its "subscriptions automatically pull funds from a customer's wallet to your own at an agreed interval," and also offers recurring invoices customers can pay "even from central exchanges." Its pricing is "0.5% + 50¢ for all crypto payments," with "No Crypto Billing specific fees" and 1% for off-ramping to fiat.

• Best for: businesses that want both pulled subscriptions and invoice-style billing, with an off-ramp to fiat.

• Watch for: the 50¢ fixed fee matters on small plans (a $5 plan pays 10.5%). The billing page doesn't list networks or explain the pull mechanism in detail. [VERIFY]

3. NOWPayments: many coins, two subscription modes

NOWPayments says it "is a non-custodial service" and supports 75+ cryptocurrencies (about). Fees are 1% for single-currency payments and 1.5% for multi-currency, plus network fees (fees). Its standard subscriptions email the customer a new invoice each period and "do not automatically withdraw funds from external wallets" (source). Automatic renewals, launched on October 31, 2026, are collected from the customer's ChangeNOW account balance (source).

• Best for: merchants whose customers want to pay in many different coins.

• Watch for: automatic renewals require the customer to keep funds in a ChangeNOW account.

4. MoonPay Commerce (formerly Helio): creator subscriptions

MoonPay Commerce says it "does not custody funds" and that transactions are peer-to-peer (FAQ). Its creator docs list subscriptions from weekly to yearly with "renewal reminders, grace periods," plus Discord and Telegram integrations. Fees are 2%, or 1% for holders of a HelioX Pass NFT.

• Best for: creators and Solana-native projects.

• Watch for: the docs don't say whether renewals are charged automatically or paid after a reminder.

Not included: CoinGate's subscription service has been "deprecated since March 1, 2024" according to its billing API docs.

Stripe vs the alternatives side by side

What you pay on $10,000 a month

On 500 subscribers at $20, TidePay and NOWPayments come out cheapest at $100 a month, before NOWPayments' network fees. Radom's fixed 50¢ per charge makes it the most expensive on small plans, though it gets cheaper as the plan price goes up.

How to choose

• You're a US company already on Stripe and want fiat at the end: request access to Stripe's stablecoin subscriptions.

• You want to keep the USDC and receive it in your own wallet: TidePay. Renewals are charged on-chain and land in your wallet when they run.

• You sell from outside the US or the preview countries: TidePay, Radom, NOWPayments or MoonPay Commerce, after checking each one's eligibility for your business.

• Your plans are expensive and you want the lowest percentage: Radom's 0.5% wins once the plan price is high enough that the 50¢ fixed fee stops mattering (above roughly $100 a month compared with TidePay's 1%).

• Your customers want to pay in many different coins: NOWPayments or MoonPay Commerce.

Questions to ask any provider

1. Are renewals charged automatically, or does the customer get an invoice to pay by hand?

2. Does the customer need an account with the provider, or just a wallet?

3. Do I receive stablecoins in my own wallet, fiat in a balance, or crypto in a balance I have to withdraw?

4. What happens when a renewal fails: retries, a grace period, or nothing?

5. Are there fixed per-charge fees that hurt small plans?

FAQ

Does Stripe accept USDC subscriptions?

Yes, in private preview. Customers pay USDC on Base or Polygon from a saved wallet, and Stripe settles the payments as fiat in your Stripe balance. US businesses can accept them, with the EU, Hong Kong, Mexico and Switzerland in preview.

What's the best Stripe alternative for USDC subscriptions?

It depends on what you want at the end. To keep USDC in your own wallet with automatic renewals, TidePay. To pay the lowest percentage on large plans, Radom. To accept many coins, NOWPayments or MoonPay Commerce.

Can I receive USDC instead of dollars?

Not with Stripe's stablecoin payments, which settle in your local currency. With TidePay, each renewal arrives in your wallet as USDC (or USDT or EURC).

Do USDC subscriptions have chargebacks?

No. On-chain payments can't be disputed through a card network. Stripe says stablecoin payments have no disputes, and the same applies to on-chain charges with TidePay.

Can customers cancel a USDC subscription on their own?

With TidePay, yes: they can cancel or revoke the wallet approval at any time, and TidePay can never charge more or more often than the terms they signed.

Try USDC subscriptions on TidePay

Create a free TidePay account, set up a plan in USDC, and share a paylink. Read more about recurring billing on TidePay. You pay 1% per successful charge and nothing else.