Payments & Settlement
Settlement Overview
FinalTX contracts can settle funds in two ways: via Stripe (credit card, bank transfer) or via on-chain (EVM or Solana smart contracts). Both collect a 1% platform fee on release. Choose the method when creating a contract — it cannot be changed after the contract is funded.
Credit card, bank transfer, and 135+ currencies. Automatic payouts on verification pass, instant refunds on failure.
- + No wallet needed
- + Familiar checkout experience
- + Built-in dispute handling
- – 2.9% + $0.30 processing fee
- – Fiat only
ETH, ERC-20, or SPL tokens held in a smart contract vault. FinalTX signs a settlement verdict authorizing release or refund.
- + Crypto-native (ETH, USDC, SOL…)
- + No payment processor
- + Transparent, on-chain audit trail
- – Wallet + gas required
- – Smart contract deployment needed
Feature Comparison
| Feature | Stripe | On-Chain |
|---|---|---|
| Currencies | USD, EUR, 135+ fiat | ETH, USDC, SOL, any ERC-20/SPL |
| Supported networks | Global (Stripe regions) | Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Solana |
| Platform fee (release) | 1% | 1% |
| Platform fee (refund) | 0% | 0% |
| Processing fee | 2.9% + $0.30 | Gas only (paid by user) |
| Wallet required | No | Yes |
| Settlement speed | Instant payout trigger | Next block after tx |
| Audit trail | Stripe dashboard | On-chain + FinalTX events |
| Smart contract | No | Yes — deploy SettlementVault |
| Signature scheme | N/A | EIP-712 (EVM) / Ed25519 (Solana) |
Choosing a Settlement Method
Use Stripe when your counterparties are non-technical, prefer credit cards or bank transfers, or operate in jurisdictions where crypto is restricted. Stripe is the default and requires no additional setup beyond your Stripe keys.
Use On-Chain when both parties have crypto wallets, the transaction value justifies gas costs, or you need permissionless settlement with a full on-chain audit trail. Requires deploying the SettlementVault contract and configuring attestor keys.