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Stripe

Stripe

SaaS & Developers

VS

Gusto

Small Business Payroll

Gusto
Fees from
1.5%–3.15% + 1.8 SEK vs Starting at $40/month + $6/person
Features

2 shared

4 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

2 shared

18 unique to Stripe · 1 unique to Gusto
On payment methods

Stripe supports 20 payment methods, 17 more than Gusto. 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
Gusto Gusto
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Starting at $40/month + $6/person
Settlement
Time to receive funds
2–4 business days
2–4 business days
Founded
2010
2011
Headquarters
South San Francisco, California
San Francisco, California
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 3)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Check Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa 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 Gusto
Need Enterprise
Not available with Gusto
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
Gusto doesn't cover these regions
View Stripe

Gusto is best when you...

Small Business Payroll
View Gusto

Frequently Asked Questions

What is the difference between Stripe and Gusto?
They share 2 payment methods and 1 region. Stripe adds Affirm, Afterpay, Amex and 15 more that Gusto does not list; Gusto adds Check 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 Gusto?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Gusto has published rates from Starting at $40/month + $6/person. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Gusto?
Stripe lists 7 regions and 20 payment methods; Gusto lists 1 and 3. 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 Gusto compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Gusto in 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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