# Speed as a Stripe alternative Title: Speed: Stripe alternative Description: Speed: Not a card rate. Dispute No card chargebacks. Crypto payments. Checked November 9, 2026 on the provider page. Compared with Stripe before you switch. Speed is a crypto payments. On November 9, 2026 the rate line is Not a card rate. The dispute line is No card chargebacks. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow. ## What is Speed? Speed's merchant product at tryspeed.com accepts Bitcoin Lightning and stablecoins through links, APIs, QR codes, and hosted pages. Speed Wallet at speed.app is a separate consumer wallet. Neither one is a card acquirer. This edition does not quote a Speed processing percent. ## Who should choose Speed? Speed fits: Businesses that want Bitcoin Lightning and stablecoin payments from Speed's merchant product. A listing here is not an approval, and a published rate is not a quote. ## Who should look elsewhere? What Speed replaces: Card processing only where buyers will pay over Lightning or in a supported stablecoin. Look elsewhere when you need something outside that. Underwriting: Speed's business onboarding. The merchant site identifies Speed1 INC and a money-services arrangement with CoinX USA, LLC. ## How does Speed charge? Speed has 0 public standard fee lines in this dataset on November 9, 2026. The headline on the profile is "Not a card rate" because no single list price was transcribed. Use Speed's pricing page for any number this dataset left blank. A blank is not zero. ## What does Speed cost at $10,000, $100,000, and $1 million a month? The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes. Speed does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00. Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00). ## Where does Speed operate? Coverage: Bitcoin Lightning and stablecoins, for merchants Speed will board. That is where Speed operates, not a list of industries it accepts. Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The [restricted-business guide](/guides/stripe-restricted-businesses) is the map of Stripe's own words. ## How does Speed differ from Stripe? Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Speed is a crypto payments with the rate line Not a card rate and the dispute line No card chargebacks. Speed moves crypto, not Visa and Mastercard volume. It differs from Stripe because a cardholder who will only pay with a card cannot use it. ## How do you switch from Stripe to Speed? Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The [switching guide](/guides/switching-from-stripe) covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account. 1. Export Stripe customers, prices, and dispute history while the dashboard still allows it. 2. Ask Speed, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one. 3. Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan. 4. Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems. 5. If Stripe has already closed the account, plan for customers to enter cards again. ## What usually goes wrong? The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts. The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line. ## Which providers are similar? These listings share Speed's type. The order is alphabetical, not a rank. - [BTCPay Server](/alternatives/btcpay-server): No processor fee. - [Coinbase Commerce](/alternatives/coinbase-commerce): Not a card rate. - [CoinGate](/alternatives/coingate): Not a card rate. - [OpenNode](/alternatives/opennode): Not a card rate. Also read [Stripe's fee breakdown](/guides/stripe-fees-explained) and the [pricing dataset](/data/pricing). ## Questions ### What does Speed publish as its card rate? Speed's rate line in this directory is Not a card rate, read on November 9, 2026. Use that line only for the product it describes. ### What is Speed's dispute fee? Speed's dispute line is No card chargebacks. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026. ### Is Speed the merchant of record? Speed is a crypto payments, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise. ### Where does Speed operate? Bitcoin Lightning and stablecoins, for merchants Speed will board. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Speed has approved. ### Should you leave Stripe for Speed? Only when this is the fit: Businesses that want Bitcoin Lightning and stablecoin payments from Speed's merchant product. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Speed does not become a yes just because it is on this page. ### How much is Speed at $10,000 a month? Speed has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30. ## Sources Last verified November 9, 2026. - Speed pricing: https://www.tryspeed.com/payments?ref=https%3A%2F%2Fwww.stripealternatives.com - Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com - Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com ## Related - [Stripe pricing profile](/alternatives/stripe.md) - [How Stripe's US fees add up](/guides/stripe-fees-explained.md) - [How to switch from Stripe](/guides/switching-from-stripe.md) - [Stripe alternatives outside the US](/best/international.md) - [Pricing dataset for November 9, 2026](/data/pricing.md) - [All provider profiles](/alternatives.md) - [BTCPay Server profile](/alternatives/btcpay-server.md) - [Coinbase Commerce profile](/alternatives/coinbase-commerce.md)