Comparison
TandemPay vs BitPay
Compare non-custodial stablecoin settlement with BitPay's payment processing and settlement options.
Pricing & Effective Cost
TandemPay
Custom rate
- • No rolling reserves
- • No monthly fees
- • Non-custodial settlement
- • Stablecoin payouts
BitPay
1% (crypto) / ~3% (cards)
BitPay's card processing fees and settlement options vary. Some plans include bank settlement (fiat) with conversion fees. Verify current pricing with BitPay.
Illustrative comparison: Pricing based on publicly available information. Actual costs vary by merchant, volume, and agreement. Use our calculator to estimate effective cost including reserves and delays.
Key Differences
| Feature | TandemPay | BitPay |
|---|---|---|
| Customer Payment Methods | Cards (familiar checkout) | Crypto + cards (varies by plan) |
| Settlement Options | Stablecoins only (non-custodial) | Crypto or fiat bank settlement (varies) |
| Custody Model | Non-custodial (your wallets) | Depends on settlement choice |
| Conversion Fees | None (settle stablecoins directly) | Charged if converting crypto to fiat |
| Rolling Reserves | None | Possible for card processing |
| Account Holds | Impossible (smart contract enforced) | Possible depending on settlement model |
| Transparency | On-chain verification | On-chain for crypto settlements |
| Customer Base | Anyone with a card | Card + crypto users |
| Chargebacks | Possible (card payments) | Possible for card, not for crypto |
| Settlement Speed | Minutes (after card clearing) | Varies by settlement choice |
Choose TandemPay If You:
- →Want guaranteed non-custodial settlement (no custodial option)
- →Prefer stablecoin settlement without fiat conversion
- →Need transparent smart contract enforcement
- →Want to avoid account holds and freezes entirely
- →Building on non-custodial principles from the start
- →Don't need fiat bank settlement option
Choose BitPay If You:
- →Need flexibility between crypto and fiat settlement
- →Want to convert crypto payments to fiat bank deposits
- →Already use BitPay for crypto invoicing/payroll
- →Prefer established crypto payment brand
- →Need both crypto-direct and card processing in one platform
- →Want option to settle in Bitcoin or other specific tokens
Ready to Try TandemPay?
Experience non-custodial crypto settlement with the simplicity of card payment processing.