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Stripe

Stripe

SaaS & Developers

VS

Afterpay

BNPL Pioneer

Afterpay
Fees from
2.9% + $0.30 vs Custom
Features

3 shared

3 unique to Stripe
Regions

3 shared

4 unique to Stripe
Pay methods

4 shared

16 unique to Stripe · 3 unique to Afterpay

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6 features · 23 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Afterpay Afterpay
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30
Custom
Settlement
Time to receive funds
2–4 business days
1–5 business days
Founded
2010
2014
Headquarters
South San Francisco, California
Melbourne, Australia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 3)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 7)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay
✓
✓
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 3)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania
✓
✓

Stripe is best when you...

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

Afterpay is best when you...

BNPL Pioneer
View Afterpay

Frequently Asked Questions

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

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