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Stripe

Stripe

SaaS & Developers

VS

Nium

B2B cross-border payments and card issuance

Nium
Fees from
1.5%–3.15% + 1.8 SEK vs 0.5-1.5% for cross-border B2B transfers
Features

1 shared

5 unique to Stripe
Regions

7 shared

1 unique to Nium
Pay methods

3 shared

17 unique to Stripe · 1 unique to Nium

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Show full specs
6 features · 21 payment methods · 8 regions. We don't rank these — they're here for reference.
Stripe Stripe
Nium Nium
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
0.5-1.5% for cross-border B2B transfers
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2014
Headquarters
South San Francisco, California
Singapore
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Stripe leads (6 vs 1)
Crypto Support
✓
✓
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
✓
✓
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
✓
✓
Unionpay Unique
✓
—
Visa Unique
✓
—
Regions
Nium leads (8 vs 7)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

Stripe is best when you...

SaaS & Developers
Need Enterprise
Not available with Nium
Need Instant Payout
Not available with Nium
View Stripe

Nium is best when you...

B2B cross-border payments and card issuance
Want coverage in Southeast Asia
Stripe doesn't cover this region
View Nium

Frequently Asked Questions

What is the difference between Stripe and Nium?
They share 3 payment methods and 7 regions. Stripe adds ACH, Affirm, Afterpay and 14 more that Nium does not list; Nium adds Digital Wallet that Stripe does not list; Nium also covers Southeast Asia; only Stripe offers Enterprise, Instant Payout and 3 more.
Which is cheaper, Stripe or Nium?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Nium has published rates from 0.5-1.5% for cross-border B2B transfers. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Nium?
Stripe lists 7 regions and 20 payment methods; Nium lists 8 and 4. both cover Africa, Asia, Europe and 4 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Nium compare on integration and settlement?
Stripe offers a sandbox, Nium 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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