Stripe
SaaS & Developers
VS
Monek
UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.
Fees from
1.5%–3.15% + 1.8 SEK vs Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.
Features
0 shared
6 unique to Stripe
Regions
0 shared
7 unique to Stripe
Pay methods
8 shared
12 unique to Stripe · 1 unique to Monek
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Show full specs 6 features · 21 payment methods · 7 regions. We
don't rank these — they're here for reference.
Show full specs
6 features · 21 payment methods · 7 regions. We
don't rank these — they're here for reference.
Stripe MonekQuick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.
Settlement
Time to receive funds
2–4 business days
Next business day
Founded
2010
—
Headquarters
South San Francisco, California
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features Stripe leads (6 vs 0)
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 9)
Stripe leads (20 vs 9)Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover
✓
✓
Google Pay
✓
✓
Jcb
✓
✓
Klarna Unique
✓
—
Mastercard
✓
✓
Payment Link Unique
—
✓
Paypal
✓
✓
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions Stripe leads (7 vs 0)
Stripe leads (7 vs 0)Africa Unique
✓
—
Asia Unique
✓
—
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 Monek
Need Enterprise
Not available with Monek
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania
Monek doesn't cover these regions
Monek is best when you...
UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.
Frequently Asked Questions
What is the difference between Stripe and Monek?
They share 8 payment methods and 0 regions. Stripe adds ACH, Affirm, Afterpay and 9 more that Monek does not list; Monek adds Payment Link that Stripe does not list; Stripe also covers Africa, Asia and 5 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Stripe or Monek?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Monek has published rates from Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Monek?
Stripe lists 7 regions and 20 payment methods; Monek lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Monek compare on integration and settlement?
Stripe offers a sandbox, Monek does not list one; Stripe supports webhooks; Stripe settles in 2–4 business days, Monek in Next business day.
Are you Stripe or Monek?
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