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Stripe

Stripe

SaaS & Developers

VS

Clover

Retail & restaurants

Clover
Fees from
1.5%–3.15% + 1.8 SEK vs 2.3-2.6% + $0.10
Features

1 shared

5 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

6 shared

14 unique to Stripe · 1 unique to Clover
On settlement

Stripe settles in 2–4 business days; Clover settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Clover Clover
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
2.3-2.6% + $0.10
Settlement
Time to receive funds
2–4 business days
1–2 business days
Founded
2010
2012
Headquarters
South San Francisco, California
Sunnyvale, California, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 7)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover
✓
✓
Gift Card Unique
—
✓
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 2)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Clover
Need Enterprise
Not available with Clover
Want coverage in Africa, Asia, Latin America, Middle East, Oceania
Clover doesn't cover these regions
View Stripe

Clover is best when you...

Retail & restaurants
View Clover

Frequently Asked Questions

What is the difference between Stripe and Clover?
They share 6 payment methods and 2 regions. Stripe adds ACH, Affirm, Afterpay and 11 more that Clover does not list; Clover adds Gift Card that Stripe does not list; Stripe also covers Africa, Asia and 3 more; only Stripe offers Crypto Support, Enterprise and 3 more.
Which is cheaper, Stripe or Clover?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Clover has published rates from 2.3-2.6% + $0.10. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Clover?
Stripe lists 7 regions and 20 payment methods; Clover lists 2 and 7. both cover 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 Clover compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Clover in 1–2 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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