SUBY COMPARE TO POLAR

Suby vs Polar

Both Merchant of Record platforms. Suby delivers lower effective fees, a more powerful API, built-in stablecoins payouts & a dashboard built for scale.

Both Merchant of Record platforms. Suby delivers lower effective fees, a more powerful API, built-in stablecoins payouts & a dashboard built for scale.

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

5% + $0.50 per transaction
+ 1.5% international cards
+ 0.5% subscription fee
+1% currency conversion

5% + $0.50 per transaction
+ 1.5% international cards
+ 0.5% subscription fee
+1% currency conversion

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

5% + $0.50 per transaction
+ 1.5% international cards
+ 0.5% subscription fee
+1% currency conversion

Compare Suby & Polar Pricing

Pricing & Fees

Every fee laid out in the open, card, crypto, payouts and the surcharges Polar doesn't show upfront.

Card payments
Crypto payments
4% + $0.40
5% + $0.50
International surcharge
+1.5%
Crypto payments
1.5%
Not supported
Not supp.
Payout
0.5%
+1.25%
Currency conversion
+1%
Chargeback
+$20
+$20
Fund freezes
Never
Up to 180 days

Compare Suby & Polar Features

Feature Breakdown

Everything both platforms do, side by side, from crypto payouts to API depth and support.

Merchant of Record & Tax

Merchant of Record & Tax

Merchant of Record & Tax

Merchant of Record

Both handle global tax, compliance and invoicing. Same protection model.

Merchant of Record

Both handle global tax, compliance and invoicing. Same protection model.

USDC / Stablecoins Payouts

Get settled directly in your bank or wallet. Polar is local currency only.

Volume-Based Pricing

Negotiable fees at scale. Polar: flat rate regardless of volume.

Volume-Based Pricing

Negotiable fees at scale. Polar: flat rate regardless of volume.

Global Tax Handling

VAT, GST and sales tax across 190+ countries.

Global Tax Handling

VAT, GST and sales tax across 190+ countries.

Payments & Billing

Payments & Billing

Payments & Billing

Card Payments

Visa, Mastercard, AMEX and Apple Pay.

Card Payments

Visa, Mastercard, AMEX and Apple Pay.

Crypto Payments

Full multi-chain support (USDC, ETH, SOL, BNB). Polar: none.

Crypto Payments

Full multi-chain support (USDC, ETH, SOL, BNB). Polar: none.

Recurring Billing

Automated subscriptions and retainer billing.

Recurring Billing

Automated subscriptions and retainer billing.

Built-in Invoicing

Create and send branded invoices directly. Polar: none.

Built-in Invoicing

Create and send branded invoices directly. Polar: none.

Payment Links

Shareable links for instant payment.

Payment Links

Shareable links for instant payment.

API & Developer Experience

API & Developer Experience

API & Developer Experience

REST API

Full REST API with comprehensive endpoints. Polar: narrower scope.

Limited

REST API

Full REST API with comprehensive endpoints. Polar: narrower scope.

Limited

Webhooks

Real-time webhooks for all events. Suby: more event types.

Webhooks

Real-time webhooks for all events. Suby: more event types.

Custom Checkout Flows

Build fully custom payment experiences via API.

Limited

Custom Checkout Flows

Build fully custom payment experiences via API.

Limited

Server-to-Server Security

API keys, OAuth and signed webhooks. Enterprise-grade auth.

Server-to-Server Security

API keys, OAuth and signed webhooks. Enterprise-grade auth.

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.

Built-in Notifications

Email & push. Polar: email only.

Limited

Experience & Growth

Experience & Growth

Experience & Growth

Clean, Fast Dashboard

Both solid. Suby: more streamlined for daily ops.

Clean, Fast Dashboard

Both solid. Suby: more streamlined for daily ops.

Human Support

Real team, under 2h response. Polar: community-driven.

Limited

Human Support

Real team, under 2h response. Polar: community-driven.

Limited

Automated Upsells

Trigger the right offer at the right moment in the funnel.

Built-in Affiliate Program

Tracking, payouts and a dedicated affiliate dashboard.

Soon

Complexity & Setup

Complexity & Setup

Complexity & Setup

No-Code Setup

Both offer no-code paths. Suby: payment links with zero dev.

No-Code Setup

Both offer no-code paths. Suby: payment links with zero dev.

Simple Pricing Model

One transparent rate. Polar: flat fee plus international surcharge.

Limited

No Developer Dependency

Launch without engineering. Suby focuses on simplicity.

No Developer Dependency

Launch without engineering. Suby focuses on simplicity.

Built for SaaS & Creators

SaaS, creators and digital products. Polar: dev-focused first.

Limited

Built for SaaS & Creators

SaaS, creators and digital products. Polar: dev-focused first.

Limited

Suby VS Polar

Choosing the Right Payment
Solution for International Businesses

Choosing the Right Payment Solution for International Businesses

If you’re looking for a Polar alternative to handle international payments, cross-border customers, or USDC payouts, this guide helps you choose the right payment stack.

Stripe works best for domestic or regional businesses, especially in the US and Europe.

Polar 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 Stripe alternative built for international and borderless revenue, with bank or stablecoins 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 want censorship-resistant payouts

“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 Polar?
Are Suby and Polar both Merchant of Record?
Why pick Suby over Polar?
Can I get paid in USDC?
How quickly can I migrate from Polar?
What if I am doing high volume? Are fees negotiable?
Does Suby support the same API features as Polar?

FAQ

Answers to the
questions we get most.

How is Suby cheaper than Polar?
Are Suby and Polar both Merchant of Record?
Why pick Suby over Polar?
Can I get paid in USDC?
How quickly can I migrate from Polar?
What if I am doing high volume? Are fees negotiable?
Does Suby support the same API features as Polar?
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?

Are Ready to Grow

Your Revenue?

© 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

Are Ready to Grow

Your Revenue?

© 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

Are Ready to Grow

Your Revenue?

© 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

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