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Stripe

Stripe

SaaS & Developers

VS

OnPay

Small Business Payroll

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

2 shared

4 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

1 shared

19 unique to Stripe · 1 unique to OnPay
On fees

Stripe publishes 1.5%–3.15% + 1.8 SEK from. OnPay publishes $40/month + $6/person from. 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
OnPay OnPay
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
$40/month + $6/person
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2007
Headquarters
South San Francisco, California
Atlanta, Georgia
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 2)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Direct Deposit 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 OnPay
Need Enterprise
Not available with OnPay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
OnPay doesn't cover these regions
View Stripe

OnPay is best when you...

Small Business Payroll
View OnPay

Frequently Asked Questions

What is the difference between Stripe and OnPay?
They share 1 payment method and 1 region. Stripe adds Affirm, Afterpay, Amex and 16 more that OnPay does not list; OnPay adds Direct Deposit 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 OnPay?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; OnPay has published rates from $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 OnPay?
Stripe lists 7 regions and 20 payment methods; OnPay lists 1 and 2. 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 OnPay compare on integration and settlement?
Stripe offers a sandbox, OnPay 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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