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Stripe

Stripe

SaaS & Developers

VS

American Express

Premium Card Network & Acquiring

American Express
Fees from
1.5%–3.15% + 1.8 SEK 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 settlement

Stripe settles in 2–4 business days; American Express settles in 3–7 business days. Verify directly with each provider before signing.

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Show full specs
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
1.5%–3.15% + 1.8 SEK
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?
They share 3 payment methods and 6 regions. Stripe adds ACH, Affirm, Afterpay and 14 more that American Express does not list; Stripe also covers Africa; only Stripe offers Crypto Support, Instant Payout and 2 more.
Which is cheaper, Stripe or American Express?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; American Express has published rates from 2.5-3.5% merchant. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and American Express?
Stripe lists 7 regions and 20 payment methods; American Express lists 6 and 3. both cover Asia, Europe, Latin America and 3 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and American Express compare on integration and settlement?
Stripe offers a sandbox, American Express does not list one; both support webhooks; Stripe settles in 2–4 business days, American Express in 3–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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