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Stripe

Stripe

SaaS & Developers

VS

BitPay

Bitcoin Payments

BitPay
Fees from
1.5%–3.15% + 1.8 SEK vs 1-2% + $0.25
Features

3 shared

3 unique to Stripe · 1 unique to BitPay
Regions

5 shared

2 unique to Stripe
Pay methods

1 shared

19 unique to Stripe · 9 unique to BitPay

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Show full specs
7 features · 29 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
BitPay BitPay
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
1-2% + $0.25
Settlement
Time to receive funds
2–4 business days
Next business day
Founded
2010
2011
Headquarters
South San Francisco, California
Atlanta, Georgia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 4)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 10)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Arbitrum Unique
—
✓
Bank Transfer Unique
✓
—
Base Chain Unique
—
✓
Bill Payment Unique
—
✓
Bitcoin Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Ethereum Unique
—
✓
Gift Card Unique
—
✓
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Optimism Unique
—
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Solana Unique
—
✓
Stablecoin
✓
✓
Unionpay Unique
✓
—
Visa Unique
✓
—
Regions
Stripe leads (7 vs 5)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
✓
—
North America
✓
✓
Oceania
✓
✓

Stripe is best when you...

SaaS & Developers
Need Enterprise
Not available with BitPay
Need Recurring Payments
Not available with BitPay
Want coverage in Africa, Middle East
BitPay doesn't cover these regions
View Stripe

BitPay is best when you...

Bitcoin Payments
Need High Risk Accepted
Not available with Stripe
View BitPay

Frequently Asked Questions

What is the difference between Stripe and BitPay?
They share 1 payment method and 5 regions. Stripe adds ACH, Affirm, Afterpay and 16 more that BitPay does not list; BitPay adds Arbitrum, Base, Bill Payment and 6 more that Stripe does not list; Stripe also covers Africa, Middle East; only Stripe offers Enterprise, Recurring Payments and 1 more.
Which is cheaper, Stripe or BitPay?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; BitPay has published rates from 1-2% + $0.25. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and BitPay?
Stripe lists 7 regions and 20 payment methods; BitPay lists 5 and 10. both cover Asia, Europe, Latin America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and BitPay compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, BitPay in Next business day.

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