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Stripe

Stripe

SaaS & Developers

VS

Affirm

Installment Loans

Affirm
Fees from
1.5%–3.15% + 1.8 SEK 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
On licensing

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Show full specs
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
1.5%–3.15% + 1.8 SEK
~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?
They share 3 payment methods and 2 regions. Stripe adds ACH, Afterpay, Amex and 14 more that Affirm does not list; Affirm adds Buy Now Pay Later, Installments that Stripe does not list; Stripe also covers Africa, Asia and 3 more; only Stripe offers Crypto Support, Enterprise and 3 more.
Which is cheaper, Stripe or Affirm?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Affirm has published rates from ~6% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Affirm?
Stripe lists 7 regions and 20 payment methods; Affirm lists 2 and 5. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Affirm compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Affirm in 1–3 business days.

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