A simpler international payment solution for donations & freelancers
Two use cases where Suby may be a better fit than PayPal
- Accept card or crypto donations from anywhere. No PayPal account needed from your donor, a regular credit card is enough.
- Receive USDC in your wallet, promptly. Settlement happens on-chain after each cycle, no platform intermediary holding campaign funds in the meantime.
- One-time and recurring giving. Let supporters set up monthly donations with automatic renewals, no manual follow-up.
- Bill clients in any currency. Your client pays by card or crypto from anywhere. You always receive USDC, no conversion required on your end.
- No bank account needed. Connect a crypto wallet and receive payments globally, no matter your country of residence.
- Settlement payout within seconds. Not 3–5 business days. USDC is paid out instantly after funds are verified and settled on our end, on-chain, transparent, and fully verifiable.
Key differences: PayPal vs Suby
PayPal vs Suby: who should use what
Frequently Asked Questions
Suby is a strong alternative for international payments. It charges a flat 5% fee with no cross-border surcharge or FX spread, settles in USDC directly to your wallet, and works globally without requiring a local bank account. Unlike PayPal, there's no risk of account freezes and no stacked fees that vary by country or currency.
Suby lets you accept one-time and recurring donations via card or crypto from anywhere in the world. Donors don't need a PayPal account or a crypto wallet, card payment works out of the box. You receive USDC at a flat 5% fee with no per-country surcharges and no risk of your campaign being suspended mid-run.
Suby lets freelancers receive USDC payouts directly to a crypto wallet within hours, no local bank account required. Clients pay by card or crypto. The flat 5% fee replaces PayPal's stacked costs that can reach 12–15% on cross-border invoices, especially outside the US and EU.
PayPal applies three fee layers on cross-border payments: a base 2.99% processing fee, a 1.5% cross-border surcharge on every international transaction, and a 3–4% FX spread above the interbank rate when currency conversion is involved. On a $1,000 donation or invoice from Asia or Latin America, the combined total typically reaches 12–15%.
Yes. Suby is global from day one. Customers pay by card or crypto from anywhere in the world. Merchants receive USDC payouts to any crypto wallet with no geographic restrictions. No local bank account is required. PayPal is unavailable or heavily restricted in over 40 countries, and withdrawal in many regions requires a local bank that may be difficult or expensive to obtain.
PayPal retains custody of your funds until the payout is processed. In some cases, particularly when transaction volume increases quickly, accounts may be subject to review, temporary holds, or rolling reserves. This is documented in PayPal's policies and is worth considering for donation campaigns or growing freelance businesses. With Suby, settlement happens on-chain in USDC directly to your wallet after each billing cycle, with no platform intermediary holding funds in between.
No. Anyone can pay by regular credit or debit card, the experience is identical to PayPal from the payer's perspective. Crypto payment is available as an additional option for those who prefer it. You receive USDC regardless of how your donor or client chose to pay.
Yes, and this is one of Suby's strongest advantages. PayPal requires a verified local bank account to withdraw in most regions, which in many emerging markets is either impossible or expensive to maintain. Suby pays out in USDC to any wallet globally, making it a practical international payment solution for freelancers and agencies based in Africa, Southeast Asia, Latin America, and the Middle East.
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