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Stripe

Stripe

SaaS & Developers

VS

Heartland Payment Systems

SMB Payment Processing

Heartland Payment Systems
Fees from
1.5%–3.15% + 1.8 SEK vs Interchange-plus pricing
Features

0 shared

6 unique to Stripe · 1 unique to Heartland Payment Systems
Regions

1 shared

6 unique to Stripe
Pay methods

6 shared

14 unique to Stripe · 2 unique to Heartland Payment Systems
On settlement

Stripe settles in 2–4 business days; Heartland Payment Systems settles in Same day. Verify directly with each provider before signing.

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Show full specs
7 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Heartland Payment Systems Heartland Payment Systems
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Interchange-plus pricing
Settlement
Time to receive funds
2–4 business days
Same day
Founded
2010
2001
Headquarters
South San Francisco, California
Oklahoma City, Oklahoma
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 8)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Gift Card Unique
—
✓
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Qr Code 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 Heartland Payment Systems
Need Enterprise
Not available with Heartland Payment Systems
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
Heartland Payment Systems doesn't cover these regions
View Stripe

Heartland Payment Systems is best when you...

SMB Payment Processing
Need Low Fees
Not available with Stripe
View Heartland Payment Systems

Frequently Asked Questions

What is the difference between Stripe and Heartland Payment Systems?
They share 6 payment methods and 1 region. Stripe adds Affirm, Afterpay, Amex and 11 more that Heartland Payment Systems does not list; Heartland Payment Systems adds Gift Card, QR Code 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 Heartland Payment Systems?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Heartland Payment Systems has published rates from Interchange-plus pricing. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Heartland Payment Systems?
Stripe lists 7 regions and 20 payment methods; Heartland Payment 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 Heartland Payment Systems compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Heartland Payment Systems in Same day.

Are you Stripe or Heartland Payment Systems?

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