Case Study: A SaaS Company Reduced Payment Costs by 70% Using Stablecoins and TransFi

For SaaS companies operating across borders, payment costs can quietly eat into margins. Between FX fees, SWIFT charges, banking delays, and chargebacks, traditional B2B payment rails often feel like an outdated system trying to support a modern digital business.

One fast-growing SaaS startup was feeling the pinch. Based in Europe but serving clients in the US, LATAM, and Asia, they were spending tens of thousands of dollars each year just to move money. Invoices were delayed, reconciliation was messy, and customer churn was creeping up due to billing friction.

To solve this, they turned to stablecoins—and more specifically, to TransFi.

Here’s how they cut their international payment costs by 70%, reduced billing headaches, and set up a faster, simpler global payment flow using TransFi’s crypto infrastructure.

The Challenge: Costly Cross-Border Payment Operations

The company offered enterprise software on a monthly subscription model. But even with a great product and growing demand, getting paid was painful.

Bank transfers to and from clients in emerging markets took days, often with unpredictable delays.
Each cross-border invoice lost between 3–7% to currency conversion, SWIFT, or intermediary banking fees.
Some clients couldn’t even pay via international wire, requiring extra invoicing workarounds or fintech platforms with high markup.
Settling payments in multiple currencies made reconciliation a weekly nightmare for the finance team.

The company knew stablecoins could help but didn’t want to build wallets, deal with custody, or manage blockchain transactions internally.

That’s where TransFi came in.

The Solution: Stablecoin Payments via TransFi’s API

By integrating TransFi, the SaaS company gained access to a plug-and-play stablecoin payment infrastructure without needing to change how their business operated.

Here’s what they did:

Offered clients the option to pay in USDC or USDT via TransFi’s on-ramp, using local payment methods in their own country.
Used TransFi’s backend API to auto-generate wallet addresses for each invoice, with built-in settlement tracking.
Received funds in USDC, instantly and without banking intermediaries.
Managed the full process through a simple dashboard that connected directly to their invoicing system.

There were no crypto wallets to build or blockchain protocols to learn. TransFi handled all the complexity under the hood.

Immediate Results: 70% Lower Fees and Faster Payments

The change was immediate.

International payment costs dropped by over 70%, thanks to zero FX fees, no SWIFT, and fewer intermediaries.
Settlement time went from 3–5 days to less than 30 minutes in most cases.
Clients in LATAM and Asia, previously blocked by currency issues, now had a frictionless way to pay.
The finance team got real-time tracking of each payment, cutting reconciliation time in half.

Even better, many clients appreciated the modern approach. Offering a crypto-native payment option helped the SaaS company stand out in a crowded space.

Why Stablecoins Were the Right Fit

For this SaaS business, stablecoins offered the perfect mix of speed, predictability, and global reach. USDC and USDT gave them:

A dollar-pegged asset to keep pricing consistent across markets
Instant settlement without needing to wait for clearing systems
Access to clients in countries with limited access to USD or card payments

And because TransFi handled all the infrastructure—on-ramps, compliance, KYC, and settlement—they could benefit from crypto without becoming a crypto company.

Built for B2B SaaS Flows

One reason this solution worked so well was that TransFi’s API is designed to support recurring and invoice-based B2B flows—not just one-off consumer payments. The company could:

Tie each USDC payment to a specific invoice ID
Trigger payment requests programmatically from their billing platform
Offer stablecoin as a payment method without confusing users with wallet tech

This flexibility allowed them to roll out stablecoin payments without disrupting existing operations or retraining staff.

Final Outcome: A Scalable, Modern Payment Stack

Since implementing TransFi, the SaaS company has:

Saved thousands in fees every month
Cut customer churn caused by billing issues
Shortened their invoice-to-cash cycle significantly
Positioned themselves as a tech-forward, flexible partner for enterprise clients

Stablecoins haven’t just made their finance ops cleaner—they’ve become a quiet growth lever.

Also read: Stablecoin Payments in San Marino: Micro-Jurisdictions Adopting Digital Finance Rails

The Takeaway:

This case shows that SaaS companies don’t need to settle for outdated, expensive payment rails—especially when dealing internationally. With TransFi, they can integrate stablecoin payments quickly, securely, and without adding operational burden.

For startups and scaleups that invoice clients in multiple countries, stablecoins are no longer a fringe option—they’re a smart business move. And TransFi makes it easy to get started, without needing a blockchain team or a wallet product.

FAQ

1. How do stablecoins help SaaS companies reduce payment costs?
Stablecoins like USDC eliminate FX fees, SWIFT charges, and intermediary banking costs, making cross-border payments faster and significantly cheaper.

2. Does using TransFi require building a crypto wallet or hiring blockchain developers?
No. TransFi provides a plug-and-play API, so SaaS companies can accept stablecoin payments without building crypto infrastructure.

3. How fast are stablecoin payments with TransFi?
Most payments settle in under 30 minutes, compared to 3–5 days with traditional bank transfers.

4. Is TransFi secure and compliant?
Yes. TransFi handles KYC, AML, and regulatory compliance for all transactions, offering peace of mind to businesses and clients.

5. Can TransFi be used for recurring SaaS billing?
Absolutely. TransFi supports invoice-based and recurring B2B flows, making it ideal for SaaS subscription models.

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As the world becomes more interconnected and businesses engage in global trade, the seamless collection of payments from across the globe is increasingly important. Whether you're an eCommerce merchant, a freelancer, or a global enterprise, TransFi’s Collections make collecting payments from customers and partners worldwide not only easy but also secure and efficient. TransFi eliminates unnecessary delays and currency exchange complexities, ensuring your funds are always readily accessible. Our Collections product provides a fully compliant, scalable payment infrastructure with support for over 50 currencies, offering instant settlements in stablecoins or other fiat and digital currencies.

By using TransFi’s Collections, businesses can provide their customers with easy-to-use and familiar local payment options. Our Collections product not only automates business payments but also streamlines global transactions, ensuring the utmost efficiency and reliability for businesses worldwide.

Global Payment Collection, Simplified

Due to differences in regulations, methods of payment, and currency exchange rates, international payments can be difficult to manage. TransFi Collections overcomes these barriers by providing a single platform for companies that allows for multiple methods of payment, such as bank transfers, e-wallets, and stablecoin settlements. This enhances operational efficiency and reduces manual work by allowing businesses to track, manage and reconcile payments through a single dashboard.

TransFi allows businesses to automatically generate and manage invoices, attach supporting documents, and issue reminders to customers to foster effective collections. This proactive approach reduces payment disputes and delays, all while improving cashflow and financial management.

Seamless Payment Collection Experience for Businesses and Customers

TransFi Collections is designed to give businesses an efficient and smooth payment solution with the assurance of a secure and frictionless customer experience. Through our platform, businesses can accept payments in local currencies and convert automatically to stablecoins or fiat, making the hassles of currency exchange a thing of the past. With rapid and trusted settlement, businesses do not have to wait for slow international banking processing times anymore, gaining quicker access to funds. Our APIs can also be incorporated directly within the platforms of businesses, minimizing manual intervention and facilitating payment processing. TransFi Collections also provides real-time insight into transactions using different analytics and reporting tools, empowering businesses with key insights. No matter your requirement, be it managing recurring payments, processing single invoices, or dealing with bulk collections, our solution automates payment workflows to reduce administrative efforts and maximize efficiency. By simplifying the payment processes for both companies and their clients, TransFi Collections optimizes financial operations so that firms can concentrate on development and customer satisfaction without worrying about delays in settlement or complicated integrations.

Benefits of Partnering with TransFi for Cross- Border Payment Collections

Collaborating with TransFi for cross-border payment collections guarantees an efficient and seamless process for companies across the world. With borderless payment collection, companies can receive payments anywhere in the world without having to go through different banking networks or paying high conversion charges. TransFi Collections allows companies to collect money from foreign customers through local payment channels, thus providing greater reach and conversion rates. Real-time settlements remove the delays of traditional banking and allow payments to be made in stablecoins or fiat instantly, providing continuous cash flow. Automated invoice processing streamlines payment processes, saving manual labor and boosting efficiency by creating invoices, adding required documents, and sending timely reminders. Scalable API integration enables businesses to seamlessly integrate TransFi Collections into their current platforms, making global payment collection scalable and efficient. Advanced security and compliance provide the assurance that all transactions are encrypted, secure, and regulated to the highest standards. TransFi Collections is not merely a payment gateway but a full suite of solutions empowering businesses with scalable, compliant, and efficient payment collection services. Whether you collect payments from suppliers, freelancers, or international customers, our platform provides timely, cost-saving, and secure transactions. Step into a digital future of payments with TransFi and feel the force of borderless, seamless collections.

Empower Your Business with TransFi Payment Collections

TransFi Collections is not only a payment gateway but a complete solution that empowers businesses operating across borders with secure, cost-effective, compliant, as well as scalable payment collection tools. From payment collections for goods and services to e-commerce transactions, TransFi Collections provides effortless, secure, and instantaneous settlements.

With TransFi, businesses can experience the future of digital payments and the power of borderless and hassle-free collections. Our user-friendly dashboard facilitates seamless transactions and allows businesses to collect payments against goods and services, experiencing transaction speeds in seconds. Freelancers and influencers can also benefit from real-time transactions, enhancing the efficiency of their global payment collections. Using our secure and scalable stack, e-commerce businesses can achieve 90%+ conversion rates, 99%+ uptime, and low latency, ensuring enterprise-level performance.

Integrate TransFi Collections with your business and experience secure, seamless, and scalable payments that are not only efficient and reliable but also globally compliant.