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