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Stripe

Stripe

SaaS & Developers

VS

JD Pay

E-commerce merchants on JD.com platform

JD Pay
Fees from
1.5%–3.15% + 1.8 SEK vs 0.5-1.5% for platform transactions
Features

0 shared

6 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

2 shared

18 unique to Stripe · 1 unique to JD Pay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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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
JD Pay JD Pay
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
0.5-1.5% for platform transactions
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2012
Headquarters
South San Francisco, California
Beijing, China
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 3)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card Unique
✓
—
Digital Wallet 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
✓
✓
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—

Stripe is best when you...

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

JD Pay is best when you...

E-commerce merchants on JD.com platform
View JD Pay

Frequently Asked Questions

What is the difference between Stripe and JD Pay?
They share 2 payment methods and 1 region. Stripe adds ACH, Affirm, Afterpay and 15 more that JD Pay does not list; JD Pay adds Digital Wallet that Stripe does not list; Stripe also covers Africa, Europe and 4 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Stripe or JD Pay?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; JD Pay has published rates from 0.5-1.5% for platform 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 JD Pay?
Stripe lists 7 regions and 20 payment methods; JD Pay lists 1 and 3. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and JD Pay compare on integration and settlement?
Stripe offers a sandbox, JD Pay does not list one; Stripe supports webhooks; Stripe publishes a settlement time of 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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