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Stripe

Stripe

SaaS & Developers

VS

American Express

Premium Card Network & Acquiring

American Express
Fees from
2.9% + $0.30 vs 2.5-3.5% merchant
Features

2 shared

4 unique to Stripe
Regions

6 shared

1 unique to Stripe
Pay methods

3 shared

17 unique to Stripe
On region

Stripe covers 7 regions; American Express covers 6. Verify directly with each provider before signing.

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6 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
American Express American Express
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30
2.5-3.5% merchant
Settlement
Time to receive funds
2–4 business days
3–7 business days
Founded
2010
1850
Headquarters
South San Francisco, California
New York, USA
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
✓
—
Enterprise
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 3)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Regions
Stripe leads (7 vs 6)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with American Express
Need Instant Payout
Not available with American Express
Want coverage in Africa
American Express doesn't cover this region
View Stripe

American Express is best when you...

Premium Card Network & Acquiring
View American Express

Frequently Asked Questions

What is the difference between Stripe and American Express?
Stripe is best for SaaS & Developers, while American Express is best for Premium Card Network & Acquiring. Stripe charges 2.9% + $0.30 and American Express charges 2.5-3.5% merchant. They differ in supported features, regions, and payment methods.
Which is cheaper, Stripe or American Express?
Stripe charges 2.9% + $0.30 while American Express charges 2.5-3.5% merchant. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Stripe and American Express together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Stripe and American Express can complement each other.
How do Stripe and American Express differ in their focus?
Stripe is focused on SaaS & Developers, while American Express focuses on Premium Card Network & Acquiring. They serve different market segments with different strengths.

Are you Stripe or American Express?

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