SUBY COMPARE TO PAYPAL
Suby vs PayPal
For freelancers and agencies. Lower fees, built-in invoicing, no frozen funds and USDC payouts. Everything PayPal should have been.
For freelancers and agencies. Lower fees, built-in invoicing, no frozen funds and USDC payouts. Everything PayPal should have been.
Select your monthly revenue
$5,000
$5,000
$0
$30k
$50k
$70k
$100k
$200
$200
You keep $4,800
You keep $4,800
4% + $0.40 per transaction. No hidden fees.
4% + $0.40 per transaction. No hidden fees.
$200
$200
You keep $4,800
You keep $4,800
3.5% + $0.49 per transaction. +1.5% international cards, +3% conversion
Hidden add-ons.
3.5% + $0.49 per transaction. +1.5% international cards, +3% conversion
Hidden add-ons.
Select your monthly revenue
$5,000
$0
$30k
$50k
$70k
$100k
$200
You keep $4,800
4% + $0.40 per transaction. No hidden fees.
$200
You keep $4,800
3.5% + $0.49 per transaction. +1.5% international cards, +3% conversion
Hidden add-ons.
Compare Suby & PayPal Pricing
Pricing & Fees
Every fee laid out in the open, card, crypto, payouts and the surcharges PayPal doesn't show upfront.
Card payments
Crypto payments
4% + $0.40
3.5% + $0.49
International surcharge
—
+1.5%
Crypto payments
1.5%
Not supported
Not supp.
Currency conversion
—
+3-4% markup
Chargeback
+20
+$20
Fund freezes
Never
21-180 days
Compare Suby & PayPal Features
Feature Breakdown
Everything both platforms do, side by side, from crypto payouts and fund safety to support.
Fees & Pricing
Fees & Pricing
Fees & Pricing
Low Crypto Fees
Suby: 1.5% on crypto. PayPal: no native crypto payouts for freelancers.
Low Crypto Fees
Suby: 1.5% on crypto. PayPal: no native crypto payouts for freelancers.
USDC Payouts
Get settled in USDC. No banking dependency.
USDC Payouts
Get settled in USDC. No banking dependency.
No Hidden Conversion Markup
PayPal adds 3-4% above mid-market rate on every currency conversion.
No Hidden Conversion Markup
PayPal adds 3-4% above mid-market rate on every currency conversion.
Multi-Currency Support
30+ fiat currencies natively supported.
Limited
Multi-Currency Support
30+ fiat currencies natively supported.
Limited
Invoicing & Payments
Invoicing & Payments
Invoicing & Payments
Built-in Invoicing
Create and send branded invoices directly. PayPal: basic invoicing only.
Limited
Built-in Invoicing
Create and send branded invoices directly. PayPal: basic invoicing only.
Limited
Card Payments
Visa, Mastercard, AMEX and Apple Pay.
Card Payments
Visa, Mastercard, AMEX and Apple Pay.
Crypto Payments
Full multi-chain (USDC, ETH, SOL, BNB). PayPal: very limited crypto support.
Crypto Payments
Full multi-chain (USDC, ETH, SOL, BNB). PayPal: very limited crypto support.
Recurring Billing
Automated subscriptions and retainer billing for ongoing clients.
Limited
Recurring Billing
Automated subscriptions and retainer billing for ongoing clients.
Limited
Payment Links
Shareable links for instant payment. No checkout page needed.
Payment Links
Shareable links for instant payment. No checkout page needed.
Fund Safety & Payouts
Fund Safety & Payouts
Fund Safety & Payouts
No Frozen Funds
Revenue is never held. PayPal can freeze funds for 21-180 days without warning.
No Frozen Funds
Revenue is never held. PayPal can freeze funds for 21-180 days without warning.
Payout Speed
Suby: 3-5 days. PayPal: up to 7 days + 1.75% instant fee.
Limited
Payout Speed
Suby: 3-5 days. PayPal: up to 7 days + 1.75% instant fee.
Limited
No Chargeback Abuse Risk
Suby crypto rails eliminate card chargeback exposure. PayPal: $20 per chargeback.
No Chargeback Abuse Risk
Suby crypto rails eliminate card chargeback exposure. PayPal: $20 per chargeback.
Integrations & Tools
Integrations & Tools
Integrations & Tools
Discord Integration
Automated role management, gating and access control.
Discord Integration
Automated role management, gating and access control.
Telegram Integration
Group and channel access automation.
Telegram Integration
Group and channel access automation.
Webhooks & API
REST API and real-time webhooks for custom flows.
Webhooks & API
REST API and real-time webhooks for custom flows.
Built-in Notifications
Email, push and in-app. PayPal: email only.
Limited
Experience & Growth
Experience & Growth
Experience & Growth
Clean, Fast Dashboard
Suby: intuitive, zero bloat. PayPal: dated UX, multiple disconnected products.
Clean, Fast Dashboard
Suby: intuitive, zero bloat. PayPal: dated UX, multiple disconnected products.
Human Support
Suby: real team, under 2h response. PayPal: ticket queues, long wait times.
Human Support
Suby: real team, under 2h response. PayPal: ticket queues, long wait times.
Automated Upsells
Trigger the right offer at the right moment in the funnel.
Automated Upsells
Trigger the right offer at the right moment in the funnel.
Complexity & Setup
Complexity & Setup
Complexity & Setup
No-Code Setup
Suby: launch in minutes. PayPal: works no-code but with dated workflows.
Limited
No-Code Setup
Suby: launch in minutes. PayPal: works no-code but with dated workflows.
Limited
Simple Pricing Model
One transparent rate. PayPal: layers cross-border, FX markup, chargeback and payout fees.
Simple Pricing Model
One transparent rate. PayPal: layers cross-border, FX markup, chargeback and payout fees.
Built for Freelancers & Agencies
Suby: modern dashboard for digital businesses. PayPal: general-purpose, consumer-first.
Limited
Built for Freelancers & Agencies
Suby: modern dashboard for digital businesses. PayPal: general-purpose, consumer-first.
Limited
Suby VS PayPal
Choosing the Right Payment
Solution for International Businesses
Choosing the Right Payment Solution for International Businesses
If you're looking for a PayPal alternative to handle international payments, cross-border customers, or USDC payouts, this guide helps you choose the right payment stack.
PayPal works best for casual sellers, donations and buyers who want a familiar one-click checkout, especially in the US.
PayPal is a good choice if
You sell mainly in US or Europe
Your customers pay in the same currency as your bank
You’re fine with traditional bank payouts
You don’t operate in emerging markets
Suby is a PayPal alternative built for international and borderless revenue, with USDC payouts.
Suby is a good choice if
You sell to customers all over the world
You operate in emerging markets or global
You get hit by FX fees and cross-border charges
You’re tired of surprise fees or frozen accounts
“Couldn’t find a better solution for quickly launching a startup when you need to provide a payment gateway for customers.“
Nick V
Founder of multiple SaaS
FAQ
Answers to the
questions we get most.
How is Suby cheaper than PayPal when your platform fee is 4%?
Can my funds really be frozen by PayPal?
How do stablecoins payouts work?
How quickly can I migrate from PayPal?
What about chargebacks?
What if I am doing high volume? Are fees negotiable?
Does Suby handle international clients well?
FAQ
Answers to the
questions we get most.
How is Suby cheaper than PayPal when your platform fee is 4%?
Can my funds really be frozen by PayPal?
How do stablecoins payouts work?
How quickly can I migrate from PayPal?
What about chargebacks?
What if I am doing high volume? Are fees negotiable?
Does Suby handle international clients well?
What about fraud and chargebacks ?
How can businesses collect payments worldwide and get paid in USDC?
How can businesses collect payments worldwide and get paid in USDC?
FAQ
Answers to the
questions we get most.
Are there any setup fees or monthly minimums?
Are there any setup fees or monthly minimums?
Are there any setup fees or monthly minimums?
Are there any setup fees or monthly minimums?
Are there any setup fees or monthly minimums?
Are there any setup fees or monthly minimums?
Are there any setup fees or monthly minimums?
Payments
© 2026 Suby. All rights reserved. The website is owned and operated by Suby SAS, 59, rue de Ponthieu, Bureau 326, 75008 Paris
contact@suby.fi
Payments
© 2026 Suby. All rights reserved. The website is owned and operated by Suby SAS, 59, rue de Ponthieu, Bureau 326, 75008 Paris
contact@suby.fi
Payments
© 2026 Suby. All rights reserved. The website is owned and operated by Suby SAS, 59, rue de Ponthieu, Bureau 326, 75008 Paris
contact@suby.fi