Stablecoin subscription billing platforms, compared on their own published terms.

Who wrote this comparison, and how was it checked?

Fianto publishes this post, and Fianto is one of the eight rows, so read it with that in mind. Every fact about another company comes from that company's own documentation or pricing page, read on 15 October 2026 and linked in the sources at the end. Where a vendor's page does not say something, the table says "not stated" rather than guessing from reviews or third-party listicles.

A stablecoin subscription here means a plan billed in a dollar stablecoin, usually USDC, on a fixed schedule. The main split is how a renewal happens. In a pull model the customer signs one approval and later charges are collected without them; in a reminder model the customer is asked to pay again each period. The background on both is in how crypto recurring payments work, and the head-term page on stablecoin subscriptions covers the idea from the start.

How do the stablecoin subscription platforms compare?

The rows are in alphabetical order, with the build-it-yourself option and Fianto at the end. "Pull" means the platform says renewals are collected after one approval.

Two rows are primitives rather than platforms. Coinbase's Base Subscriptions guide and the Solana Subscriptions program both give you the on-chain approval and leave the billing to you. The difference between those two is worked through in USDC autopay on Base vs Solana.

Why does pull versus reminder matter more than the fee?

A pull subscription keeps paying while the customer does nothing, and a reminder subscription stops the first month the customer forgets. A saved card closes that gap for card billing, and in our view it decides how many subscribers you keep more often than a percentage point of fee does.

MoonPay Commerce's FAQ, read on 15 October 2026, says a subscription is created like a standard pay link "but with a few additional requirements around the billing period & renewal reminders". It does not say renewals are taken automatically, so treat it as a reminder model unless MoonPay tells you otherwise. That can be the right choice: a reminder needs no standing approval in the customer's wallet, which some customers prefer.

Pull models differ in what limits the collector. On Base, Coinbase's guide says your backend can "charge any amount up to the permitted limit" each period. Request Network's recurring payments rely on an ERC-20 permit that "allows the system to trigger all subsequent payments in the schedule". On the Solana Subscriptions program, a plan names the amount per period, the wallets the money may go to and the keys allowed to collect, and the program refuses a charge that breaks any of them. Fianto runs on that program, which is why the plan's cap is the price plus the fees and nothing more.

What do you have to build yourself on a primitive?

On Base Subscriptions or the bare Solana program you build the billing service: the approval gives you the right to charge, not the charging. The list is longer than it looks:

• A scheduler that charges each subscription when its period turns, and never twice in a period.
• A retry policy for empty wallets, and a rule for when a subscription ends.
• Webhooks or events so your app grants and removes access.
• A page where customers see and cancel what they pay for.
• On Solana, creating each plan on chain and keeping a funded key that signs renewals.

Fianto's version of that list is fixed and public. A renewal is tried two minutes after the period boundary, then one hour, six hours and a day after it: four attempts in all. The first counted failure makes the subscription past due and sends subscription.past_due; the fourth ends it with subscription.ended, and the missed period is never charged later. Customers cancel in the customer portal at fianto.xyz/my with one signature. The schedule is explained in failed renewals and retries, and what the program checks is on the docs page The Subscriptions program.

Which stablecoin subscription platform fits which business?

Stripe, if you already bill with Stripe

Pick Stripe if your customers mostly pay by card and you want stablecoins as one more method on the same subscriptions, with dollars in your Stripe balance. As of 15 October 2026 its subscription guide still opens with a request-access form, and its pricing page lists stablecoin payments at 1.5% of the transaction amount. A full side-by-side is in Stripe stablecoin subscriptions vs Fianto.

Base Subscriptions, if you have engineers and customers on Base

Pick Coinbase's Base Subscriptions if your customers hold USDC on Base and you are happy to run the charging backend. The guide lists daily, weekly, monthly and annual periods plus custom ones such as 14 or 90 days, and variable charges up to the limit, which suits usage billing better than a fixed plan.

Coinbase Payment Acceptance or Confirmo, if you are an enterprise

Pick one of these if you need many chains and tokens, fiat settlement, and an account team. Coinbase describes Payment Acceptance as "designed for payment service providers, marketplaces, and large-scale commerce platforms". Confirmo's page says Subscribe "was built in direct response to enterprise demand" and supports exchange accounts as well as self-custody wallets.

MoonPay Commerce, if reminders are enough

Pick MoonPay Commerce if you want one tool for one-off and periodic payments across many chains and your customers are fine paying each period themselves.

Request Network, if you are on EVM chains and want payer-signed schedules

Pick Request Network for scheduled payments on EVM chains where the payer signs one permit: its docs create a schedule through the payouts API with a frequency from daily to yearly and a fixed number of payments. The same docs say the feature is not available on Tron, because Tron lacks ERC-20 permits.

Fianto, if your customers pay in USDC on Solana

Pick Fianto if your customers already hold USDC on Solana, you want each charge in your own wallet with no balance or payout in between, and you want to sell without code through a shop or a USDC payment link. The merchant pays nothing. The customer pays 0.01 USDC with each subscription charge today, the Solana fee of the transaction they sign (under $0.01), and account rent: as of 15 October 2026, about 0.00144 SOL for the subscription account (returned when they reclaim it after the subscription ends) plus about 0.00119 SOL once on a wallet's first subscription. Solana is cutting rent in phases, so the checkout shows the exact live amount. There is no Fianto fee during the beta; after it, the customer pays about 0.1 to 0.5% on top of the price.

What Fianto does not do

These are the limits that most often rule Fianto out, so check them before you sign up:

• One token on one network: USDC on Solana. No USDT, no Base, no Ethereum.
• Two intervals only: monthly (every 30 days) and yearly (every 365 days). No weekly, custom or usage-based billing, and no free trials.
• No fiat payout or off-ramp. You receive USDC and convert it elsewhere if you need to.
• No test mode or sandbox. You test with a test webhook event, the CLI or a self-hosted backend.
• No invoices, no team accounts, no tax calculation, and no refund API: a refund is USDC you send back from your wallet.
• No emails to subscribers about renewals. If you want customers warned before a charge, you send that message.
• Every merchant is reviewed by a person before taking payments, and no review time is promised.