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Stripe

Stripe

SaaS & Developers

VS

PayJunction

Paperless Payments

PayJunction
Fees from
1.5%–3.15% + 1.8 SEK vs Interchange + 1.49% + $0.15
Features

0 shared

6 unique to Stripe · 1 unique to PayJunction
Regions

1 shared

6 unique to Stripe
Pay methods

4 shared

16 unique to Stripe
On fees

Stripe publishes 1.5%–3.15% + 1.8 SEK from. PayJunction publishes Interchange + 1.49% + $0.15 from. Verify directly with each provider before signing.

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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
PayJunction PayJunction
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Interchange + 1.49% + $0.15
Settlement
Time to receive funds
2–4 business days
1–2 business days
Founded
2010
2000
Headquarters
South San Francisco, California
Santa Barbara, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 4)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
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 PayJunction
Need Enterprise
Not available with PayJunction
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
PayJunction doesn't cover these regions
View Stripe

PayJunction is best when you...

Paperless Payments
Need Low Fees
Not available with Stripe
View PayJunction

Frequently Asked Questions

What is the difference between Stripe and PayJunction?
They share 4 payment methods and 1 region. Stripe adds Affirm, Afterpay, Amex and 13 more that PayJunction does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 4 more; only PayJunction offers Low Fees.
Which is cheaper, Stripe or PayJunction?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; PayJunction has published rates from Interchange + 1.49% + $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 PayJunction?
Stripe lists 7 regions and 20 payment methods; PayJunction lists 1 and 4. 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 PayJunction compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, PayJunction in 1–2 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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