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Stripe

Stripe

SaaS & Developers

VS

OP Payment Service

Finnish invoicing

OP Payment Service
Fees from
1.5%–3.15% + 1.8 SEK vs Custom
Features

1 shared

5 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

1 shared

19 unique to Stripe · 1 unique to OP Payment Service
On settlement

Stripe settles in 2–4 business days; OP Payment Service settles in Next business day. 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
OP Payment Service OP Payment Service
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Custom
Settlement
Time to receive funds
2–4 business days
Next business day
Founded
2010
1902
Headquarters
South San Francisco, California
Helsinki, Finland
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 2)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Real Time Payments Unique
—
✓
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Regions
Stripe leads (7 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—

Stripe is best when you...

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

OP Payment Service is best when you...

Finnish invoicing
View OP Payment Service

Frequently Asked Questions

What is the difference between Stripe and OP Payment Service?
They share 1 payment method and 1 region. Stripe adds ACH, Affirm, Afterpay and 16 more that OP Payment Service does not list; OP Payment Service adds Real-Time Payments that Stripe does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 3 more.
Which is cheaper, Stripe or OP Payment Service?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; OP Payment Service has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and OP Payment Service?
Stripe lists 7 regions and 20 payment methods; OP Payment Service lists 1 and 2. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and OP Payment Service compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, OP Payment Service in Next business day.

Are you Stripe or OP Payment Service?

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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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