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Moove vs Stripe: which way should your business get paid?
Stripe takes cards and bank payments, holds them in a Stripe balance and pays out to your bank. Moove takes stablecoin and crypto payments into a wallet your business owns, with no merchant account to apply for.Moove and Stripe, side by side.
| Moove and Stripe, side by side. | Moove | Stripe |
|---|---|---|
| Who holds the money | Moove: You do. Payments land in a non-custodial wallet only you control. | Stripe: Stripe does, in transit: payments sit in a Stripe balance until they’re paid out. |
| What the money moves on | Moove: Stablecoins such as USDC and USDT, on public blockchain networks. | Stripe: Card networks and bank transfers, plus stablecoin payments for US businesses. |
| Fees | Moove: Free on the same token and network; 0.02% across tokens or networks; Moove Ramp from 0.10%. | Stripe: US cards 2.9% + 30¢, plus 1.5% for international cards and 1% to convert currency. Stablecoin payments 1.5%. |
| How fast money arrives | Moove: As soon as the network confirms the payment. | Stripe: US payouts in 2 business days; a first payout typically takes 7 to 14 days. |
| When it runs | Moove: Any time, every day of the year. | Stripe: Payouts are counted in business days. |
| Crypto and stablecoins | Moove: Built on them: hold, send, swap and bridge 16,000+ tokens. | Stripe: Accepts USDC and some other stablecoins for US businesses, settled to you in fiat. |
| Getting started | Moove: No identity check to send, receive, swap or bridge; one only for Moove Ramp. | Stripe: Business verification: identity, address and company documents. |
Which fits you?
When Moove fits better
- You want to be paid in stablecoins that stay stablecoins, in a wallet you control.
- Your business is outside the countries where Stripe takes stablecoin payments.
- You want payments to reach you without waiting for a payout schedule.
When Stripe fits better
- Most of your customers pay by card and expect a familiar checkout.
- You want card payments, billing and payouts to a bank account from one provider.
- You need to be paid out in fiat to a bank account.
Questions about Moove and Stripe.
How much does Stripe charge?
In the US, 2.9% + 30¢ per domestic card payment, plus 1.5% for international cards and 1% when a currency is converted, and 1.5% for stablecoin payments. A dispute costs $15.
Can Stripe accept stablecoins?
Yes, for businesses in the US: Stripe takes USDC and some other stablecoins for 1.5% and settles them to the business in fiat. It is in private preview in the EU, Hong Kong, Mexico and Switzerland.
How fast do I get paid?
Stripe pays out to US bank accounts in 2 business days, and a first payout typically takes 7 to 14 days. On Moove, a payment is yours once the network confirms it, in your own wallet.
Do I need a merchant account to use Moove?
No. A business on Moove takes payments into its own wallet, with no merchant account and no setup or monthly fee. An identity check is needed only to turn stablecoins into local money with Moove Ramp.
Sources.
Every fact on this page comes from these pages, read on October 23, 2026.- Stripe: Pricing (US)
- Stripe Docs: Payouts
- Stripe Docs: Stablecoin payments
- Stripe Support: Verifying a Stripe account
- moove.xyz Docs: Product prices
- moove.xyz Docs: Supported blockchains
More comparisons.
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Phantom’s Solana-first wallet for trading, against Moove’s money app across 30+ networks.Moove vs Trust Wallet
A wallet for 100+ blockchains, against Moove’s money app for paying and getting paid by @handle.Moove vs Wise
Bank transfers at the mid-market rate, against stablecoins that arrive any day, in your own wallet.
