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Stripe

Stripe

SaaS & Developers

VS

OPAY

Price-conscious Baltic e-commerce businesses

OPAY
Fees from
1.5%–3.15% + 1.8 SEK vs 0.4-1.2% for bank transfers; 2.1% for cards
Features

0 shared

6 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

3 shared

17 unique to Stripe
On licensing

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Show full specs
6 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
OPAY OPAY
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
0.4-1.2% for bank transfers; 2.1% for cards
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2012
Headquarters
South San Francisco, California
Vilnius, Lithuania
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 Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
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 OPAY
Need Enterprise
Not available with OPAY
Want coverage in Africa, Asia, Latin America, Middle East, North America, Oceania
OPAY doesn't cover these regions
View Stripe

OPAY is best when you...

Price-conscious Baltic e-commerce businesses
View OPAY

Frequently Asked Questions

What is the difference between Stripe and OPAY?
They share 3 payment methods and 1 region. Stripe adds ACH, Affirm, Afterpay and 14 more that OPAY does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Stripe or OPAY?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; OPAY has published rates from 0.4-1.2% for bank transfers; 2.1% for 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 OPAY?
Stripe lists 7 regions and 20 payment methods; OPAY lists 1 and 3. 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 OPAY compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe publishes a settlement time of 2–4 business days.

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