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Stripe

Stripe

SaaS & Developers

VS

Affirm

Installment Loans

Affirm
Fees from
2.9% + $0.30 vs ~6% + $0.30
Features

1 shared

5 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

3 shared

17 unique to Stripe · 2 unique to Affirm

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6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Affirm Affirm
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30
~6% + $0.30
Settlement
Time to receive funds
2–4 business days
1–3 business days
Founded
2010
2012
Headquarters
South San Francisco, California
San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 5)
Ach Unique
✓
—
Affirm
✓
✓
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Regions
Stripe leads (7 vs 2)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Affirm
Need Enterprise
Not available with Affirm
Want coverage in Africa, Asia, Latin America, Middle East, Oceania
Affirm doesn't cover these regions
View Stripe

Affirm is best when you...

Installment Loans
View Affirm

Frequently Asked Questions

What is the difference between Stripe and Affirm?
Stripe is best for SaaS & Developers, while Affirm is best for Installment Loans. Stripe charges 2.9% + $0.30 and Affirm charges ~6% + $0.30. They differ in supported features, regions, and payment methods.
Which is cheaper, Stripe or Affirm?
Stripe charges 2.9% + $0.30 while Affirm charges ~6% + $0.30. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Stripe and Affirm together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Stripe and Affirm can complement each other.
How do Stripe and Affirm differ in their focus?
Stripe is focused on SaaS & Developers, while Affirm focuses on Installment Loans. They serve different market segments with different strengths.

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