# Stablecoin invoicing and payouts: tools compared

Billing in USDC is easy. Matching the payment to the invoice, and paying suppliers afterwards, is where tools differ. A checklist for the invoice itself, and invoicing and payout tools compared on who they serve and what they limit.

By Pavel Skalin, Founder & CEO, Align · Updated 6 November 2026 · 6 min read · https://alignlabs.dev/guides/stablecoin-invoicing-and-payouts

## Key takeaways

1. Stablecoin invoicing means billing in a normal currency and letting the customer pay in USDC or another stablecoin. The invoice has to name the token, network, address and exact amount.
2. Stablecoin payments carry no bank-style reference, so matching them to invoices is the main operational problem. Pick a tool that handles it.
3. Request Finance suits teams handling crypto and fiat together. Stripe Invoicing suits US businesses, with a 10,000 USD limit per transaction. Radom's services aren't directed at the EU/EEA, UK or US.
4. Align invoices in USD, EUR, GBP and AED, can take USDC or EURC on Solana, and pays out in USDC, USDT or by bank from the same account.

## The short answer

For stablecoin invoicing, choose by where your company is and what you do with the money afterwards. Teams handling crypto and fiat together should look at Request Finance. A US business already on Stripe can switch on crypto in Stripe Invoicing. Align suits a company that wants bank and stablecoin invoices, supplier payments and balances in one account, and [its invoicing](https://alignlabs.dev/products/invoicing) drafts invoices from a sentence.

For stablecoin payouts, the choice depends on who's being paid. Platforms paying many people should use an API from Conduit, Mural or Confirmo. A finance team paying a list of suppliers or contractors can use a batch tool in Align or Request Finance.

All facts below come from each company's own site and docs, as of November 2026.

## What a stablecoin invoice has to say

A bank invoice can get away with an account number. A stablecoin invoice can't, because a payment on the wrong network may be hard or impossible to recover. Use this checklist:

- **Invoice currency.** Price it in USD or EUR, as you would any invoice. Your books and tax treatment follow from this.
- **Token.** Name it exactly: USDC, USDT or EURC.
- **Network.** Name it exactly. USDC on Solana and USDC on Ethereum need different addresses. See [which network to use](https://alignlabs.dev/guides/which-network-for-usdt-usdc-payments).
- **Address.** Use a fresh or invoice-specific one if your tool supports it.
- **Exact amount.** State the figure to send, and who pays the network fee. See [who pays gas fees](https://alignlabs.dev/guides/who-pays-gas-fees-on-stablecoin-payments).
- **Rate rule.** If the invoice is in EUR and the customer pays in USDC, say whose rate applies and when it expires.
- **Short-payment rule.** Say what happens if less arrives.
- **Tax details.** Stablecoin payment doesn't change what must appear on the invoice. See [VAT on stablecoin payments](https://alignlabs.dev/guides/vat-on-stablecoin-payments).

Before you add an address to any invoice, check that your provider accepts direct stablecoin deposits for your account. For the customer conversation, see [how to accept USDT and USDC from business customers](https://alignlabs.dev/guides/accept-usdt-usdc-from-business-customers).

## Invoicing tools compared

As of November 2026:

| | Built for | How the customer pays | Good to know |
|---|---|---|---|
| Align | Registered companies with bank and stablecoin flows | Bank transfer in USD, EUR, GBP or AED; USDC or EURC on Solana | Pricing by quote; bank payments match by invoice number and amount |
| Request Finance | Finance teams handling crypto and fiat | Stablecoins, on invoices that can sync with Xero and QuickBooks | Check plans and fees on its site |
| Stripe Invoicing | US businesses on Stripe | USDC on Tempo, Ethereum, Solana, Polygon and Base; settles as fiat | USD only; send_invoice only; 10,000 USD limit per transaction |
| Radom | Fintechs, marketplaces and online businesses outside the EU/EEA, UK and US | Crypto through a hosted link, from 410+ wallets | 0.5% + 50¢ per payment; Cook Islands company |
| Confirmo | PSPs, payroll, forex and online businesses | Hosted checkout, emailed invoice, QR code or wallet | Says it's MiCA licensed; no published pricing |

**Request Finance** describes itself as a platform to "send, receive, and manage crypto and fiat payments." Its listing in Circle's partner directory covers invoices payable in stablecoins, approval workflows, team roles and Xero and QuickBooks sync. It suits a team already paid on chain that wants accounting exports.

**Stripe** is the shortest path if you're a US business already invoicing on Stripe. You request the crypto payment method, and it settles in your Stripe balance. Its general stablecoin docs list private preview for businesses in the EU, Hong Kong, Mexico and Switzerland, but the invoicing table lists the United States. Refunds go back as stablecoins to the customer's original wallet, and there are no chargeback-style disputes.

**Radom** offers line items, installments and reminders, and sells off ramps as well. Its footer says its services aren't directed at people in the EU/EEA, the UK or the US, which rules it out for many readers.

**Confirmo** adds recurring stablecoin billing, where customers approve once. It says it holds a MiCA license and an EU payment institution license, and operates in all 50 US states and the EU. You'll need a quote, and its homepage doesn't address fiat settlement.

## Payout tools compared

As of November 2026:

| | Who it pays | How it works | Good to know |
|---|---|---|---|
| Align | Suppliers, contractors and staff | CSV upload: USDC or USDT to wallets, up to 25 payments per batch, or USDT on Tron with one signature | Bank payouts in bulk on request; Align pays the network fee from a balance, and Tron batches add a per-recipient fee |
| Request Finance | Contractors and vendors | One-off or bulk, in crypto or fiat, to 190+ countries | Approvals and accounting sync |
| Conduit | Suppliers and payroll, through a platform | API or dashboard; fund with USDC or USDT, deliver over Pix, SEPA, SWIFT or RTP | No published pricing |
| Mural | Workers, creators and sellers | API for stablecoin and local fiat payouts | Lists many Latin American currencies |
| Confirmo | Payroll and platform payouts | Single or bulk, by UI or API | Quote only |
| Stripe Connect | Individuals on US platforms | USDC to a linked wallet | Private preview; US platforms only; companies can't receive yet |

Stripe's limit is worth noting for B2B teams. Its docs say stablecoin payouts "can currently be sent only to individuals or sole proprietors," so it doesn't solve supplier payments. For a full view of the platform providers, see [stablecoin payment providers compared](https://alignlabs.dev/guides/stablecoin-payment-providers-compared).

## What a $20,000 invoice costs on published prices

Published prices are thin in this category, but two examples show why you should work through a real invoice:

- **Radom.** 0.5% + 50¢ on $20,000 is $100.50. If you then cash the whole amount out through its 1% off ramp, add about $200, for a total of about $300.
- **Stripe.** A single customer payment can't exceed 10,000 USD, so a $20,000 invoice in stablecoins would need another route. Stripe's pricing page lists [stablecoin payments at 1.5%](https://alignlabs.dev/answers/how-much-does-it-cost-to-accept-usdc-with-stripe) of the transaction amount, so check what applies to invoices on your account.

Add your bank's fee for any final transfer, and the rate if you need another currency. Compare that with what the same invoice costs [by SWIFT](https://alignlabs.dev/guides/stablecoin-vs-swift-cost).

## Which one to choose

| Your situation | Look at |
|---|---|
| You're paid on chain and want accounting sync | Request Finance |
| US business already invoicing on Stripe, invoices under 10,000 USD | Stripe Invoicing |
| You want recurring stablecoin billing | Confirmo or Radom |
| You're a platform paying many people by API | Conduit, Mural or AlignConnect's [Payouts API](https://alignlabs.dev/connect/payouts) |
| You want invoices, balances and supplier payments in one account | Align |

## How Align handles both

**Getting paid.** [Align invoicing](https://alignlabs.dev/products/invoicing) drafts an invoice from a sentence or a contract, in USD, EUR, GBP or AED, once your account can receive that currency. Payment details come only from your own receiving accounts. A USD invoice can ask for USDC and a EUR invoice for EURC, both on Solana, and the page and PDF state exactly what to send. A bank payment that names the invoice number and pays the exact amount marks it paid. Stablecoin payments carry no reference, so a deposit of the exact amount is offered to you to confirm. [This guide](https://alignlabs.dev/guides/send-invoices-with-align) walks through it.

**Paying out.** [Bulk payments](https://alignlabs.dev/products/bulk-payments) pays many recipients from one CSV, with each row checked like a single payment. [The CSV guide](https://alignlabs.dev/guides/bulk-payments-from-a-csv) covers the limits. For contractors, see [paying international contractors in USDC](https://alignlabs.dev/guides/pay-international-contractors-in-usdc). Payments can also go out in USD, EUR, GBP or AED by bank.

**Limits.** Align's stablecoin invoices take USDC and EURC on Solana only, not USDT, and separate VAT rate lines aren't available yet. Align isn't a bank. It serves registered companies only. Align Payments Ltd. is registered with FINTRAC in Canada as a money services business (registration no. N300000203), and regulated services are provided through licensed financial institutions. Check the [eligibility page](https://alignlabs.dev/eligibility). Pricing is quoted on request: [contact us](https://alignlabs.dev/contact).

## Sources

- Circle partner directory, [Request Finance](https://partners.circle.com/partner/request-finance) (November 2026)
- Stripe, [Pricing](https://stripe.com/pricing) (November 2026)
- Stripe docs, [Stablecoin payments](https://docs.stripe.com/payments/stablecoin-payments), [Invoicing payment methods](https://docs.stripe.com/invoicing/payment-methods) and [Stablecoin payouts for Connect](https://docs.stripe.com/connect/stablecoin-payouts) (November 2026)
- Radom, [Homepage and legal notices](https://www.radom.com/), [Crypto invoicing](https://radom.com/crypto-invoicing) and [Pricing](https://radom.com/pricing) (November 2026)
- Confirmo, [Homepage](https://confirmo.com/) (November 2026)
- Conduit, [Homepage](https://conduitpay.com/) and [Payouts](https://conduitpay.com/send) (November 2026)
- Mural, [Homepage](https://muralpay.com/) (November 2026)

## Common questions

### What is stablecoin invoicing?

It's sending a normal invoice that the customer can pay in a stablecoin such as USDC instead of by bank transfer. The invoice is usually priced in USD or EUR and states the token, network, wallet address and exact amount to send.

### What are stablecoin payouts?

They're payments from a business to suppliers, contractors or sellers that are sent in stablecoins, or funded in stablecoins and delivered to a bank account. Most tools take a file or an API call and send many payments at once.

### Can Stripe invoices be paid in stablecoins?

Yes, for some businesses. As of November 2026, Stripe's invoicing docs list crypto as a payment method for USD invoices from US businesses, using the send_invoice collection method. Payments settle as fiat in your Stripe balance, and customers are limited to 10,000 USD per transaction.

### How do you match a stablecoin payment to an invoice?

A stablecoin transfer has no payment reference, so tools match on a unique address or an exact amount. Align offers a deposit of the exact amount to the invoice's address to you as a suggested match, and you confirm it, so a coincidental amount doesn't close the wrong invoice.

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This guide is general information, not legal, tax or financial advice. Rules and providers' terms change; check the sources linked above and take advice on your own situation.

## Related guides

- [How to create, send and get paid on an invoice in Align](https://alignlabs.dev/guides/send-invoices-with-align)
- [How to accept USDT and USDC payments from business customers](https://alignlabs.dev/guides/accept-usdt-usdc-from-business-customers)
- [How to pay many people at once from a CSV file in Align](https://alignlabs.dev/guides/bulk-payments-from-a-csv)
- [VAT when you're paid in USDC or USDT: value, exchange rates and records](https://alignlabs.dev/guides/vat-on-stablecoin-payments)