Summary

Stripe is a comprehensive payment processing platform that enables businesses to accept online and in-person payments globally. It offers tools for managing subscriptions, invoicing, fraud prevention, and sending payouts to third parties, supporting various currencies and payment methods.

Features
9/15
See all

Must Have

2 of 5

Transparent Low Fees

Fast Transfer Execution

Mid-Market Exchange Rate Transfers

Multi-Currency Account

Borderless Debit Card

Other

7 of 10

Batch Payments

API Integration

Business Account Features

Invoice Creation

Mobile App

Regulatory Compliance

Customer Support

Real-Time Rate Alerts

Spending Analytics

Multi-User Access

Pricing
Usage-based
See all

Cards and wallets

$2.90 per item
  • Accept widely used credit and debit cards, prepaid cards, and digital wallets for online payments.
  • + 0.5% for manually entered cards
  • + 1.5% for international cards
  • + 1% if currency conversion is required

Link

$2.90 per item
  • Autofill your customers’ saved cards and US bank account information to deliver a frictionless customer experience.

Buy Now Pay Later

$5.99 per item
  • Let your customers buy something and pay for it in installments over time.

Bank-based and other payment methods

$0.80 per item
  • Offer bank debits, bank transfers, and other locally relevant payment methods.
  • $5.00 cap

Disputes

$15.00 one time
  • Understand and effectively respond to disputes on card transactions (also known as chargebacks) through a guided process.
  • Countering rare dispute types may incur network fees.

Smart Disputes

$30.00 per item
  • Automatically compiles and submits evidence to fight eligible disputes for you using Stripe’s AI (public preview)
  • Fee to counter disputes waived

Instant payouts

$1.50 per item
  • Access funds within minutes through an eligible debit card or bank account. Alternatively, pay out your funds on our standard schedule for free.
  • Minimum fee of 50¢
  • (Pricing differs for Connect users)

Foreign Exchange Quotes API

$1.00 per item
  • Set and manage prices in multiple currencies with rate locking for up to 24 hours.
  • Rate locking starting at + 0.07%

Custom domain

$10.00 monthly
  • Use your own domain while hosting your payments page or customer portal on Stripe.

Post-payment invoices

$0.40 per item
  • Automatically generate an invoice after a one-time purchase.
  • $2.00 cap per invoice

Cards and wallets

$2.70 per item
  • Accept widely used credit cards, debit cards, and digital wallets for in-person payments.
  • + 1.5% for international cards
  • + 10¢ per authorization for Tap to Pay
  • Accept contactless payments without additional hardware using compatible iPhone or Android devices.
  • + 5¢ per authorization for optional point-to-point-encryption
  • Access PCI-certified point-to-point-encryption (P2PE) required in certain industries. All Terminal transactions are end-to-end encrypted by default.

Radar’s machine learning

$0.05 per item
  • Fraud protection powered by billions of data points across the Stripe network.
  • Waived for accounts with all payment methods on standard pricing

Radar for Fraud Teams

$0.02 per item
  • Advanced fraud protection tools allowing for greater control and customizable settings. Includes Radar’s machine learning.
  • This price applies to Radar for Fraud Teams for businesses with all payment methods on standard pricing.

Dispute prevention

$15.00 one time
  • Help reduce dispute rates with dispute prevention tools powered by Verifi from Visa and Ethoca from Mastercard.
  • Included Dispute deflection lookups

Domestic payouts

$1.50 per item
  • Send money domestically to a recipient with your choice of payment rail and speed.

International payouts

$1.50 per item
  • Send money directly to recipients in 50+ countries with your choice of payment rail and speed.
  • cross-border fees starting at + 0.25%
  • Cross-border fees depend on recipient country.
  • FX fees starting at + 1%
  • FX fees vary by merchant country.

Card creation

$0.10 one time
  • Create and issue cards instantly and get branded physical cards shipped in just two days.
  • Custom cards subject to additional pricing. Shipping rates not included.

International payments

$1.00 per item
  • Support international card payments for your business or your customers.
  • + 1% if currency conversion is required

Pay monthly

$620.00 monthly
  • Annual subscription. Paid monthly. Based on a volume tier that works for your business.
  • Subscription and cancellation terms apply.

Pay as you go

$0.70 per item
  • Pay for what you use. No recurring fees. Best for low or unpredictable volume.
  • Includes Billing transactions processed on and off Stripe. Excludes one-off invoices.

Starter

$0.40 per item
  • Invoicing features to get started quickly.
Rationale

Stripe offers global payment processing and payout services, including features like transparent pricing, fast payouts, and batch payments. While it facilitates international transactions and multi-currency management, it primarily focuses on payment processing for businesses rather than providing a multi-currency account or borderless debit card for individual users, which are core to the Wise concept. Stripe's 'Global Payouts' feature allows sending money to third parties in local currencies, and their pricing page mentions currency conversion fees, but it doesn't explicitly state 'mid-market exchange rate transfers' as a core value proposition in the same way Wise does. However, it does offer many 'other' features that align with the concept.