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Stripe

Stripe

SaaS & Developers

VS

PayArc

Transparent Merchant Processing

PayArc
Fees from
1.5%–3.15% + 1.8 SEK vs Interchange-plus from 0.15%
Features

1 shared

5 unique to Stripe · 1 unique to PayArc
Regions

1 shared

6 unique to Stripe
Pay methods

6 shared

14 unique to Stripe

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Show full specs
7 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
PayArc PayArc
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Interchange-plus from 0.15%
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2016
Headquarters
South San Francisco, California
United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 6)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
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 Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

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

PayArc is best when you...

Transparent Merchant Processing
Need Low Fees
Not available with Stripe
View PayArc

Frequently Asked Questions

What is the difference between Stripe and PayArc?
They share 6 payment methods and 1 region. Stripe adds Affirm, Afterpay, Bank Transfer and 11 more that PayArc does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 3 more; only PayArc offers Low Fees.
Which is cheaper, Stripe or PayArc?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; PayArc has published rates from Interchange-plus from 0.15%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and PayArc?
Stripe lists 7 regions and 20 payment methods; PayArc lists 1 and 6. 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 PayArc 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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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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