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Stripe

Stripe

SaaS & Developers

VS

ESTO

Baltic merchants offering buy-now-pay-later, installments and pay-later checkout

ESTO
Fees from
1.5%–3.15% + 1.8 SEK vs 3-5% for BNPL transactions
Features

0 shared

6 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

2 shared

18 unique to Stripe · 2 unique to ESTO
On licensing

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Show full specs
6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
ESTO ESTO
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
3-5% for BNPL transactions
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2017
Headquarters
South San Francisco, California
Tallinn, Estonia
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Stripe leads (6 vs 0)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 4)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—

Stripe is best when you...

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

ESTO is best when you...

Baltic merchants offering buy-now-pay-later, installments and pay-later checkout
View ESTO

Frequently Asked Questions

What is the difference between Stripe and ESTO?
They share 2 payment methods and 1 region. Stripe adds ACH, Affirm, Afterpay and 15 more that ESTO does not list; ESTO adds Buy Now Pay Later, Installments that Stripe does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Stripe or ESTO?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; ESTO has published rates from 3-5% for BNPL transactions. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and ESTO?
Stripe lists 7 regions and 20 payment methods; ESTO lists 1 and 4. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and ESTO compare on integration and settlement?
Stripe offers a sandbox, ESTO does not list one; Stripe supports webhooks; Stripe publishes a settlement time of 2–4 business days.

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