Industries / International
Stripe doesn't reach your country. Settle does.
Merchants in jurisdictions Stripe doesn't reach, or reaches with longer onboarding, FX spread, and multi-day settlement. 0.5% flat. Settles in seconds. Anywhere with internet.
Cost
The math.
| Local card rail / SWIFT | Settle | |
|---|---|---|
| Per-transaction fee | 3–7% + 1–3% FX | 0.5%, no FX |
| Cross-border surcharge | 1–2.5% | 0% |
| Settlement time | T+3 to T+30 | ~2s on Base |
| Country review | Some jurisdictions ineligible | Anywhere with internet |
| Settlement currency | Local fiat after FX | USDC on Base |
| Bank requirement | Local business bank account | Self-custody wallet |
Objections
The trade-offs, stated honestly.
What if my users are in a country with poor crypto liquidity?
USDC on Base has meaningful pockets in most regions where users hold any stablecoin balance. If your buyer base is primarily card-paying domestic retail, Settle isn't the right fit.
How do I get USD into local currency?
Off-ramp via Coinbase, Binance, or a local crypto-fiat partner. Settle stops at the wallet — what you do with USDC after that is your choice (and often, your CFO's preference is to keep some of it).
Sanctions screening?
Automated. Every payout address and every payer wallet is screened against OFAC SDN and Chainalysis sanctions lists before any signature is permitted. A hit blocks the transaction at the wallet-connect stage.
Trade-off?
Users need crypto. The rest of the merchant flow — invoice creation, hosted checkout, webhooks — is identical to the US experience. No localization required.