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Freelancers & Agencies · 2026

Suby vs PayPal

For freelancers and agencies. Lower fees, built-in invoicing, no frozen funds, USDC payouts. Everything PayPal should have been.

Start free with Suby How does it work?

Side by side

Every feature, fee and limitation, compared honestly.

Suby PayPal
Monthly invoiced revenue
$5,000
Drag to adjust
$500$25k$50k$75k$100k
Suby
$250
You keep $4,750
PayPal
$345
You keep $4,655

Why teams choose Suby

Three reasons freelancers and agencies are switching from PayPal.

Up to 3% lower effective fees
No cross-border surcharge stacking, no 3-4% FX markup. One transparent rate for international clients.
USDC payouts, no frozen funds
Get settled in stablecoins or fiat. Your revenue is never frozen for 21-180 days like PayPal does to freelancers.
Built-in invoicing for agencies
Branded invoices, recurring retainer billing, payment links and subscriptions, all in minutes.
Not using PayPal?

Compare Suby with any payment processor

See how Suby stacks up against Stripe, Whop, Polar, Lemon Squeezy and more.

Stripe Whop Polar Lemon Squeezy Paddle Gumroad
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Frequently asked

Everything you'd ask a Suby rep before switching.