They share 3 payment methods and 0 regions. Stripe adds ACH, Affirm, Afterpay and 14 more that Alma does not list; Alma adds Bancontact, Buy Now Pay Later, Cartes Bancaires and 3 more that Stripe does not list; Stripe also covers Africa, Asia and 5 more; only Stripe offers Crypto Support, Enterprise and 4 more.

Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Alma has published rates from Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.

Stripe lists 7 regions and 20 payment methods; Alma lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

Stripe offers a sandbox, Alma does not list one; Stripe supports webhooks; Stripe settles in 2–4 business days, Alma in Your customers pay later and you receive the full amount immediately..