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Stripe

Stripe

SaaS & Developers

VS

Payactiv

Earned Wage Access

Payactiv
Fees from
1.5%–3.15% + 1.8 SEK vs $5 per transfer or employer-sponsored
Features

1 shared

5 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

2 shared

18 unique to Stripe · 1 unique to Payactiv
On region

Stripe covers 7 regions; Payactiv covers 1. 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
Payactiv Payactiv
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
$5 per transfer or employer-sponsored
Settlement
Time to receive funds
2–4 business days
Instant
Founded
2010
2012
Headquarters
South San Francisco, California
Annapolis, Maryland
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 3)
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
✓
✓
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 Payactiv
Need Enterprise
Not available with Payactiv
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
Payactiv doesn't cover these regions
View Stripe

Payactiv is best when you...

Earned Wage Access
View Payactiv

Frequently Asked Questions

What is the difference between Stripe and Payactiv?
They share 2 payment methods and 1 region. Stripe adds Affirm, Afterpay, Amex and 15 more that Payactiv does not list; Payactiv adds Direct Deposit 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 Payactiv?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Payactiv has published rates from $5 per transfer or employer-sponsored. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Payactiv?
Stripe lists 7 regions and 20 payment methods; Payactiv lists 1 and 3. 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 Payactiv compare on integration and settlement?
Stripe offers a sandbox, Payactiv does not list one; Stripe supports webhooks; Stripe settles in 2–4 business days, Payactiv in Instant.

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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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