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Stripe

Stripe

SaaS & Developers

VS

Dwolla

ACH Payments

Dwolla
Fees from
1.5%–3.15% + 1.8 SEK vs From $0.05 per transaction
Features

5 shared

1 unique to Stripe · 1 unique to Dwolla
Regions

1 shared

6 unique to Stripe
Pay methods

3 shared

17 unique to Stripe · 1 unique to Dwolla

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Show full specs
7 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Dwolla Dwolla
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
From $0.05 per transaction
Settlement
Time to receive funds
2–4 business days
1–3 business days
Founded
2010
2008
Headquarters
South San Francisco, California
Des Moines, Iowa, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Crypto Support Unique
✓
—
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Low Fees Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 4)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Wire Transfer Unique
—
✓
Regions
Stripe leads (7 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

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

Dwolla is best when you...

ACH Payments
Need Low Fees
Not available with Stripe
View Dwolla

Frequently Asked Questions

What is the difference between Stripe and Dwolla?
They share 3 payment methods and 1 region. Stripe adds Affirm, Afterpay, Amex and 14 more that Dwolla does not list; Dwolla adds Wire Transfer that Stripe does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support.
Which is cheaper, Stripe or Dwolla?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Dwolla has published rates from From $0.05 per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Dwolla?
Stripe lists 7 regions and 20 payment methods; Dwolla lists 1 and 4. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Dwolla compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Dwolla in 1–3 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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