---
title: "Easy vs Stripe — Lower fees, instant funds, real rewards."
description: "How Easy compares to Stripe on pricing, payouts, fund control, and features. See where Easy saves you money and time."
url: https://www.itseasy.co/easy-vs-stripe
markdown_url: https://www.itseasy.co/easy-vs-stripe.md
site: Easy
generated_at: 2026-09-03T23:04:40.523Z
---
Comparison

# Easy vs Stripe

How Easy compares to Stripe on pricing, payouts, fund control, and features.

≈ $200 / month saved on $100K of card volume

[Get started with Easy](https://app.itseasy.co/signup)[See the comparison](#compare)

Feature

Easy

Stripe

Online card rate

2.7% + $0.30

2.9% + $0.30

In-person card rate

2.7% + $0.30

2.7% + $0.05

Amex rate

3.0% + $0.30

3.4% + $0.30

Keyed-in rate

—

3.4% + $0.30

International cards

+1.5%

+1.5% + 1% conversion

ACH

0.5% + $1.00 (cap $4)

0.8% (cap $5)

Monthly fees

$0

$0

Self-custodial

Cashback on balances

Stablecoin payments

Free

1.5%

Approval speed

Under 90 seconds

Varies

Payouts

Next-day · instant available

T+2 standard

01 / Pricing

## Lower rates, no surprises.

Easy charges 2.7% + $0.30 for online cards versus Stripe's 2.9% + $0.30\. On $100K of monthly card volume that's roughly $200 a month back in your account, every month, without changing anything else about how you operate. Amex is 0.4% lower. ACH is structured to actually be cheap on big transfers — capped at $4 instead of trailing the percentage all the way up.

02 / Fund control

## Your money lives in your accounts, not ours.

Stripe holds processed funds in a Stripe-controlled balance and releases them to you on a payout schedule, with reserves at their discretion. Easy is self-custodial — funds settle directly to bank accounts you own. There's no Easy balance to worry about, no reserve negotiations, no "why is my payout paused" tickets.

03 / Stablecoins

## Free stablecoin acceptance, not a 1.5% surcharge.

Stripe's stablecoin support is real — and surcharged at 1.5%. Easy treats stablecoin payments as first-class and doesn't take a percentage; you only pay underlying network gas. If you process $50K a month in stablecoins, that's $750 a month back, on top of the card-rate savings.

04 / Payouts

## Next-day standard, instant when you need it.

Stripe's standard payout schedule is T+2 business days, with paid instant payouts available. Easy's standard is next-day, and instant is a per-transfer fee — not a plan-tier upgrade. Self-custody means the money is already yours; payouts are just movements between your own accounts.

05 / Who Easy is for

## If you process card or ACH volume in the US or Canada and want lower rates, faster funds, and stablecoin support — Easy.

Stripe still wins on global reach, marketplace and Connect-style platform tooling, and breadth of programmable extras. If your business is US/Canada-resident, single-tenant, and rate-sensitive, Easy is the cheaper, faster option with fewer surprises in your statement.

## Switch in an afternoon.

Most merchants are approved in under 90 seconds. No monthly fees, no commitment, full self-custody from day one.

[Start saving today](https://app.itseasy.co/signup)[Talk to us](https://meet.itseasy.co/talk-to-us/discovery-15?ref=compare%5Fstripe&utm%5Fsource=itseasy.co&utm%5Fmedium=cta&utm%5Fcampaign=talk-to-us)

## Your new payment solution starts here.

Your simplest advantage.

[Start saving today](https://app.itseasy.co/signup)[Talk to us](https://meet.itseasy.co/talk-to-us/discovery-15?ref=cta%5Fband&utm%5Fsource=itseasy.co&utm%5Fmedium=cta&utm%5Fcampaign=talk-to-us)

---

See also: [llms.txt](https://www.itseasy.co/llms.txt) — index of all machine-readable pages.