Stripe vs Crypto Fee Calculator: Compare Invoice Costs

How to use the fee calculator

1. Choose a comparison currency and enter the invoice amount and number of payments per month.
2. Replace the hypothetical card and crypto fees with your current account-specific rates and quotes. Enter 0 for fees that do not apply.
3. Choose whether your business or the client pays the network fee. Client-paid network costs appear separately and do not reduce business net receipts.
4. Review the cost breakdown, net receipts, monthly and annual costs, and approximate break-even amount. Select Print / save PDF to include every input with the results.

All fixed costs must already be expressed in the comparison currency. Changing the currency selector only relabels the amounts; it does not fetch exchange rates or convert values. Every percentage applies to the gross invoice amount. The calculator rounds each percentage fee half up to cents before adding fixed costs, then multiplies that rounded per-payment cost for monthly and annual estimates.

The two example buttons reset every input. They are deliberately hypothetical: example A makes crypto cheaper, while example B makes card payments cheaper. This is a calculation tool, not a provider quote or a promise of savings. It does not submit your inputs, connect to a wallet or process a payment. The website's usual analytics and privacy policy still apply.

Compare the same invoice and final settlement currency

A processing percentage is only one part of a payment's cost. Start with the same invoice amount, decide what currency you need to keep, then include every fee you expect to pay before the money reaches that destination.

For a card payment, record the applicable processing rate and fixed fee, plus any additional charges that apply to the particular card, currency or service. Use the terms for your own Stripe account and country from Stripe's pricing page.

For a crypto payment, record the provider fee, network costs borne by your business, any withdrawal or settlement charge, and any conversion cost. Include a cost once: a fee already included in a provider quote should not be counted a second time.

Who pays each charge matters. A client-paid network fee does not reduce your invoice receipt, but it still affects the client's total payment cost. State the perspective of your comparison.

The formulas

Use decimal rates: 3% is 0.03. Convert any fixed fees into the same comparison currency at an explicitly stated rate.

Card cost = invoice amount × card rate
          + card fixed fee
          + applicable additional card charges

Crypto cost = invoice amount × crypto processing rate
            + crypto fixed fee
            + business-paid network fee
            + withdrawal / settlement charges
            + conversion cost

Net receipt = invoice amount − total cost
Cost difference = card cost − crypto cost

A positive difference means the crypto route costs less under those assumptions. A negative difference means the card route costs less. This calculation does not predict future prices, fees or payment outcomes.

What the break-even amount means

Before cent rounding, each route has a combined percentage rate and a combined fixed cost. Break-even is the invoice amount where those totals match:

Break-even amount = (crypto fixed costs − card fixed costs)
                  ÷ (card combined rate − crypto combined rate)

Use decimal rates in this formula. With example A, (2 − 0.30) ÷ (0.03 − 0.01) = USD 85. Card costs less below that amount and crypto costs less above it before rounding. Individual fee rounding can produce ties near the threshold. If the rates are equal, the lower fixed cost wins; if both rates and fixed costs are equal, the unrounded totals match. Some assumptions have no positive break-even point.

Example A: a lower crypto cost under stated assumptions

These are hypothetical inputs, not current Stripe, ATLOS, PassimPay or exchange prices:

• Card processing: 3% plus USD 0.30.
• Crypto processing: 1% plus USD 2 in total additional business-paid costs.
• No conversion, withdrawal or other charges beyond those listed.
• Both routes are compared in USD with the same invoice amount.

For USD 10,000, the card net receipt is USD 9,699.70 and the crypto net receipt is USD 9,898.00 under these assumptions. Change any input and the result changes.

Example B: conversion can reverse the result

Keep the USD 10,000 invoice and the hypothetical card cost of USD 300.30. Now suppose the crypto route has:

• Processing: 1.5% of the invoice amount = USD 150.
• Additional business-paid cost: USD 2.
• Conversion: 1.8% of the invoice amount = USD 180.

The crypto cost is USD 332. The difference is USD 300.30 minus USD 332 = negative USD 31.70. The card route is cheaper by USD 31.70 in this example.

An actual conversion quote may use a different calculation base. Use the provider's quoted received amount or the precise fee basis instead of copying this example's assumptions.

Compare the operational details too

A fee comparison does not tell you whether a client can use the payment route, whether the chosen network is supported or when a payment will be confirmed. Check the real checkout and settlement process before offering a route on an invoice.

Record the invoice currency, payment asset, exact network, recipient amount and payment reference. Agree who pays each fee. Keep pending payments separate from confirmed, reconciled receipts.

If you already hold the required stablecoin and can use it without conversion, your cost structure may differ from a business that needs to convert every receipt into a bank currency. Run both cases using actual quotes.

How this fits Corcava

For incoming client payments, eligible Corcava invoices can use configured ATLOS or PassimPay hosted checkout. ATLOS documents its hosted invoice payment links. The selected provider determines the available assets, networks and current quote.

Exchange receiving and contractor payouts support USDT on TRON or Ethereum, plus USDC, DAI, FDUSD, PYUSD, USDP, TUSD, RLUSD and USD1 on Ethereum. Availability depends on the connected exchange account, region and current deposit or withdrawal rules.

For exchange receiving, follow the Binance USDT invoice walkthrough. The company publishes the deposit instructions and explicitly matches the credited receipt to the invoice. Compare network requirements with the USDT TRC-20 vs ERC-20 guide.

Configured direct checkout is a separate route: USDT on TRON through TronLink for USD invoices and their full outstanding balance, with the payer covering network fees separately. Check which route is enabled in your workspace.

Outgoing contractor payouts are also separate. Corcava pays individual approved team invoices denominated in USD through a supported Binance, Bybit or OKX connection. The preview separates the contractor's stablecoin amount, the exchange fee and the total company debit. Available payout funds depend on the receiving route and the exchange's wallet routing; Corcava does not move balances between exchange wallets automatically.

Use these pages to put the comparison into a real invoice workflow:

• Crypto invoicing and client payments.
• How to accept crypto payments on invoices.
• Crypto invoice generator with a wallet QR code.
• Free crypto invoice template with PDF and editable file.
• How to pay contractors in crypto.
• Crypto agency kit.

Frequently asked questions

Is crypto always cheaper than Stripe?

No. Compare the same invoice and final settlement currency using all applicable fees. Example B shows how conversion can make the crypto route more expensive.

Is there an interactive calculator on this page?

Yes. The free calculator at the top of this page updates as you edit the inputs. It requires JavaScript; the formulas and examples remain available without it. You can print the comparison or save it as a PDF through your browser.

Should I count a network fee the client pays?

Include it when comparing the client's total cost. For your business's net receipt, count the fees your business actually bears and state that scope clearly.

Which fee should I use for a contractor payout?

Use the current payout preview for the selected exchange and network. Add the quoted company-paid fee to the recipient amount; do not treat an incoming checkout fee as the outgoing payout fee.