Exploring stablecoin payments to reduce Stripe fees — looking for feedback

Payments + Shipping & Fulfilment

Topic summary

A developer is proposing a stablecoin payment option for Shopify merchants as an alternative to traditional payment processors like Stripe.

Key value proposition:

  • Transaction fees as low as 0.2% versus typical 2-4% card processing fees
  • No chargebacks or currency conversion
  • Uses dollar-pegged stablecoins (USDC, USDT)

Positioning:

  • Not intended to convert stores into “crypto stores”
  • Targets customers who already hold stablecoins
  • Framed as an additional payment method to reduce costs

Seeking feedback on:

  • Whether merchants have tried crypto payment methods previously
  • Perceived usefulness for fee reduction
  • Potential implementation challenges

The discussion appears to be in early exploration phase with no responses yet, leaving questions about merchant interest and practical concerns unaddressed.

Summarized with AI on October 24. AI used: claude-sonnet-4-5-20250929.
1

Hi everyone,

We’ve been working on an idea that might help Shopify merchants save a lot on payment provider fees like Stripe, and I’d love to get your feedback.

The idea is simple:
:backhand_index_pointing_right: Allow customers to pay with stablecoins (Dollar equivalent like USDC or USDT) directly: no conversion, no chargebacks, and fees as low as 0.2%, compared to the 2–4% we usually pay to card providers.

The goal isn’t to turn stores into “crypto stores,” but simply to give customers who already hold stablecoins an easy way to pay, while helping merchants keep more of their revenue with another payment method.

Have any of you tried adding crypto payment methods before?
Do you think this could be useful for your store to save those fees, or do you see potential challenges?

Would really appreciate your thoughts before we take this idea further :folded_hands:

Thanks,

JB

3

For large cross-border transactions, we’ve recently switched to a new method: stablecoin settlement. It offers near-instantaneous arrival with almost no exchange rate loss. Our digital bank, Infini, can also directly handle compliant exchanges and tax records, saving you significant time and money. I can share more details if you’re interested.