For SaaS founders and ecommerce teams. Lower fees, USDC payouts, built-in invoicing, no blocked funds. The transparent Stripe alternative built for scale.
Every feature, fee and limitation, compared honestly.
| Feature | Suby | Stripe |
|---|---|---|
| Fees & Pricing | ||
| Transparent Fees | Suby: 4% per transaction; 1% + $0.30 card processing; 1.5% per transaction; No payout fee | Stripe: 2.9% + $0.30 per transaction; +1.5% for international cards; +2% currency conversion; +0.5% for recurring Billing; +$0.05/tx Radar fraud protection; Extra fees for Connect, Tax, Sigma |
| Low Crypto Fees Suby: 1.5% on crypto. Stripe: no native crypto payouts for SaaS. | Yes | No |
| USDC Payouts Get settled in USDC. No banking dependency. | Yes | No |
| No Hidden Add-on Fees Stripe charges extra for Billing, Connect, Radar, Tax, Sigma. | Yes | No |
| Multi-Currency Support 30+ fiat currencies natively supported. | Yes | Yes |
| Invoicing & Payments | ||
| Built-in Invoicing Create and send branded invoices directly from the dashboard. | Yes | Partial |
| Card Payments Visa, Mastercard, AMEX, Apple Pay. | Yes | Yes |
| Crypto Payments Full multi-chain (USDC, ETH, SOL, BNB). Stripe: very limited. | Yes | No |
| Recurring Billing Automated subscriptions and retainer billing. | Yes | Yes |
| Payment Links Shareable links for instant payment. No checkout page needed. | Yes | Yes |
| Fund Safety & Payouts | ||
| No Blocked Funds Revenue is never held. Stripe can hold for 14–90 days for new accounts. | Yes | No |
| Payout Speed Suby: 3–5 days. Stripe: 2–7 business days, Instant +1% fee. | Yes | Partial |
| No Reserve Requirements Stripe may enforce rolling reserves. Suby: never. | Yes | No |
| Integrations & Tools | ||
| Discord Integration Automated role management, gating, access control. | Yes | No |
| Telegram Integration Group and channel access automation. | Yes | No |
| Webhooks & API REST API + real-time webhooks for custom flows. | Yes | Yes |
| Built-in Notifications Email, push, in-app. Stripe: email only via Billing. | Yes | Partial |
| Experience & Growth | ||
| Clean, Fast Dashboard Suby: intuitive, zero bloat. Stripe: powerful but steeper learning curve. | Yes | Partial |
| Human Support Suby: real team, under 2h response. Stripe: response times vary by plan. | Yes | Partial |
| Automated Upsells Trigger the right offer at the right moment in the funnel. | Yes | No |
| Built-in Affiliate Program Tracking, payouts, and dedicated affiliate dashboard. | Coming soon | No |
| Native Email Marketing Sequences, broadcasts, segmentation built in. | Coming soon | No |
| Complexity & Setup | ||
| No-Code Setup Suby: launch in minutes. Stripe: Payment Links work, advanced features need devs. | Yes | Partial |
| Simple Pricing Model One plan, transparent fees. Stripe layers add-ons. | Yes | No |
| No Developer Dependency Stripe requires devs for most advanced features. Suby: plug and play. | Yes | No |
| Built for SaaS & Ecommerce Suby: built for digital product teams. Stripe: general-purpose API. | Yes | Partial |
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