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Stone

Stone

Brazilian SMEs

VS

EFT Pay

South African Instant EFT

EFT Pay
Fees from
1.4-4.9% vs 1.5-2%
Features

1 shared

2 unique to EFT Pay
Regions

0 shared

1 unique to Stone · 1 unique to EFT Pay
Pay methods

1 shared

6 unique to Stone · 5 unique to EFT Pay
On licensing

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Show full specs
3 features · 12 payment methods · 2 regions. We don't rank these — they're here for reference.
Stone Stone
EFT Pay EFT Pay
Quick Facts
Fees
Standard transaction rate
1.4-4.9%
1.5-2%
Settlement
Time to receive funds
1–30 business days
Same day
Founded
2012
2010
Headquarters
São Paulo, Brazil
Cape Town, South Africa
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
EFT Pay leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Stone leads (7 vs 6)
Amex Unique
✓
—
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Digital Wallet Unique
—
✓
Eft Unique
—
✓
Elo Unique
✓
—
Mastercard Unique
✓
—
Mobile Payment Unique
—
✓
Pix Unique
✓
—
Qr Code Unique
✓
—
Real Time Payments Unique
—
✓
Visa Unique
✓
—
Regions
Africa Unique
—
✓
Latin America Unique
✓
—

Stone is best when you...

Brazilian SMEs
Want coverage in Latin America
EFT Pay doesn't cover this region
View Stone

EFT Pay is best when you...

South African Instant EFT
Need Enterprise
Not available with Stone
Need Instant Payout
Not available with Stone
Want coverage in Africa
Stone doesn't cover this region
View EFT Pay

Frequently Asked Questions

What is the difference between Stone and EFT Pay?
They share 1 payment method and 0 regions. Stone adds Amex, Elo, Mastercard and 3 more that EFT Pay does not list; EFT Pay adds Credit Card, Digital Wallet, EFT and 2 more that Stone does not list; Stone also covers Latin America; EFT Pay also covers Africa.
Which is cheaper, Stone or EFT Pay?
Stone has published rates from 1.4-4.9%; EFT Pay has published rates from 1.5-2%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stone and EFT Pay?
Stone lists 1 region and 7 payment methods; EFT Pay lists 1 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stone and EFT Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Stone settles in 1–30 business days, EFT Pay in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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