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Stripe

Stripe

SaaS & Developers

VS

Carat (Fiserv)

Enterprise Commerce Platform

Carat (Fiserv)
Fees from
1.5%–3.15% + 1.8 SEK vs Custom
Features

1 shared

5 unique to Stripe
Regions

3 shared

4 unique to Stripe
Pay methods

10 shared

10 unique to Stripe · 4 unique to Carat (Fiserv)
On payment methods

Stripe supports 20 payment methods, 6 more than Carat (Fiserv). Verify directly with each provider before signing.

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Show full specs
6 features · 24 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Carat (Fiserv) Carat (Fiserv)
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Custom
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2021
Headquarters
South San Francisco, California
United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 14)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Bnpl Unique
—
✓
Contactless
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Direct Debit Unique
—
✓
Discover Unique
✓
—
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna
✓
✓
Mastercard
✓
✓
Paypal
✓
✓
Samsung Pay Unique
—
✓
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Venmo Unique
—
✓
Visa
✓
✓
Regions
Stripe leads (7 vs 3)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Carat (Fiserv)
Need Instant Payout
Not available with Carat (Fiserv)
Want coverage in Africa, Latin America, Middle East, Oceania
Carat (Fiserv) doesn't cover these regions
View Stripe

Carat (Fiserv) is best when you...

Enterprise Commerce Platform
View Carat (Fiserv)

Frequently Asked Questions

What is the difference between Stripe and Carat (Fiserv)?
They share 10 payment methods and 3 regions. Stripe adds Affirm, Afterpay, Credit Card and 7 more that Carat (Fiserv) does not list; Carat (Fiserv) adds Buy Now Pay Later, Direct Debit, Samsung Pay and 1 more that Stripe does not list; Stripe also covers Africa, Latin America and 2 more; only Stripe offers Crypto Support, Instant Payout and 3 more.
Which is cheaper, Stripe or Carat (Fiserv)?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Carat (Fiserv) has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Carat (Fiserv)?
Stripe lists 7 regions and 20 payment methods; Carat (Fiserv) lists 3 and 14. both cover Asia, Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Carat (Fiserv) compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe publishes a settlement time of 2–4 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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