The Core Difference
Traditional payment processors sit between your customer's bank and your bank account, taking 2–3% and reversing transactions weeks later. Crypto gateways settle directly on-chain — final in seconds, no intermediary.
Fee Comparison
| Provider | Per-Transaction Fee | Chargeback Risk | Settlement |
|---|---|---|---|
| Stripe | 2.9% + $0.30 | High | 2–7 days |
| PayPal | 3.49% + fixed fee | Very High | 1–3 days |
| Paychainly (USDT/BSC) | max(1%, $0.60) | None | ~3 seconds |
Chargeback Risk
Blockchain transactions are irreversible. This eliminates chargeback fraud — a multi-billion dollar problem for online merchants.
Global Reach
USDT on BSC works in 180+ countries with no currency conversion, no IBAN, and no wire-transfer delays.
Developer Experience
Paychainly exposes a REST API, signed webhooks, and a BullMQ-backed pipeline. The integration surface is smaller than Stripe's SDK surface.
When to Choose Each
- Stripe/PayPal — consumer goods in markets where crypto adoption is low, or when credit-card-specific features (3DS, saved cards) are mandatory.
- Paychainly — SaaS, digital goods, B2B invoices, freelance payments, international markets, or any use-case where chargebacks and FX fees hurt.