Stripe

Stripe

SaaS & Developers

VS

Paygatex

Paygatex
Fees from
1.5%–3.15% + 1.8 SEK vs 0.2%–1%
Features

4 shared

2 unique to Stripe · 5 unique to Paygatex
Regions

5 shared

2 unique to Stripe · 3 unique to Paygatex
Pay methods

1 shared

19 unique to Stripe · 17 unique to Paygatex

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Show full specs
11 features · 37 payment methods · 10 regions. We don't rank these — they're here for reference.
Stripe Stripe
Paygatex Paygatex
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
0.2%–1%
Settlement
Time to receive funds
2–4 business days
Same day
Founded
2010
2023
Headquarters
South San Francisco, California
Saint Kitts and Nevis
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paygatex leads (9 vs 6)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Marketplace Support Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 18)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Arbitrum Unique
—
✓
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Bnb Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Dogecoin Unique
—
✓
Ethereum Unique
—
✓
Google Pay Unique
✓
—
Invoice Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Lightning Network Unique
—
✓
Litecoin Unique
—
✓
Mastercard Unique
✓
—
Monero Unique
—
✓
Optimism Unique
—
✓
Payment Link Unique
—
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Solana Unique
—
✓
Stablecoin
✓
✓
Tron Unique
—
✓
Unionpay Unique
✓
—
Usdc Unique
—
✓
Usdt Unique
—
✓
Visa Unique
✓
—
Xrp Unique
—
✓
Regions
Paygatex leads (8 vs 7)
Africa
✓
✓
Asia
✓
✓
Europe Unique
✓
—
Global Unique
—
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania
✓
✓
South America Unique
—
✓
Southeast Asia Unique
—
✓

Stripe is best when you...

SaaS & Developers
Need Enterprise
Not available with Paygatex
Need Instant Sandbox
Not available with Paygatex
Want coverage in Europe, North America
Paygatex doesn't cover these regions
View Stripe

Paygatex is best when you...

Need High Risk Accepted
Not available with Stripe
Need Low Fees
Not available with Stripe
Want coverage in Global, South America, Southeast Asia
Stripe doesn't cover these regions
View Paygatex

Frequently Asked Questions

What is the difference between Stripe and Paygatex?
They share 1 payment method and 5 regions. Stripe adds ACH, Affirm, Afterpay and 16 more that Paygatex does not list; Paygatex adds Arbitrum, Bitcoin, BNB and 14 more that Stripe does not list; Stripe also covers Europe, North America; Paygatex also covers Global, South America and 1 more.
Which is cheaper, Stripe or Paygatex?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Paygatex has published rates from 0.2%–1%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Paygatex?
Stripe lists 7 regions and 20 payment methods; Paygatex lists 8 and 18. both cover Africa, Asia, Latin America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Paygatex compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Paygatex in Same day.

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