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Stripe

Stripe

SaaS & Developers

VS

Electronic Merchant Systems

US SMB omnichannel merchant services

Electronic Merchant Systems
Fees from
1.5%–3.15% + 1.8 SEK vs Custom
Features

2 shared

4 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

7 shared

13 unique to Stripe · 1 unique to Electronic Merchant Systems

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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
Electronic Merchant Systems Electronic Merchant Systems
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Custom
Settlement
Time to receive funds
2–4 business days
1–3 business days
Founded
2010
1988
Headquarters
South San Francisco, California
Cleveland, Ohio
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Stripe leads (6 vs 2)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 8)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover
✓
✓
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Mobile Wallet Unique
—
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
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 Electronic Merchant Systems
Need Enterprise
Not available with Electronic Merchant Systems
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
Electronic Merchant Systems doesn't cover these regions
View Stripe

Electronic Merchant Systems is best when you...

US SMB omnichannel merchant services
View Electronic Merchant Systems

Frequently Asked Questions

What is the difference between Stripe and Electronic Merchant Systems?
They share 7 payment methods and 1 region. Stripe adds Affirm, Afterpay, Apple Pay and 10 more that Electronic Merchant Systems does not list; Electronic Merchant Systems adds Mobile Wallet that Stripe does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 2 more.
Which is cheaper, Stripe or Electronic Merchant Systems?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Electronic Merchant Systems 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 Electronic Merchant Systems?
Stripe lists 7 regions and 20 payment methods; Electronic Merchant Systems lists 1 and 8. 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 Electronic Merchant Systems compare on integration and settlement?
Stripe offers a sandbox, Electronic Merchant Systems does not list one; Stripe supports webhooks; Stripe settles in 2–4 business days, Electronic Merchant Systems in 1–3 business days.

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