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Stripe

Stripe

SaaS & Developers

VS

Scalapay

European BNPL

Scalapay
Fees from
1.5%–3.15% + 1.8 SEK vs Custom
Features

0 shared

6 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

7 shared

13 unique to Stripe · 1 unique to Scalapay

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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
Scalapay Scalapay
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Custom
Settlement
Time to receive funds
2–4 business days
Instant
Founded
2010
2019
Headquarters
South San Francisco, California
Milan, Italy
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 8)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal
✓
✓
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 Scalapay
Need Enterprise
Not available with Scalapay
Want coverage in Africa, Asia, Latin America, Middle East, North America, Oceania
Scalapay doesn't cover these regions
View Stripe

Scalapay is best when you...

European BNPL
View Scalapay

Frequently Asked Questions

What is the difference between Stripe and Scalapay?
They share 7 payment methods and 1 region. Stripe adds ACH, Affirm, Afterpay and 10 more that Scalapay does not list; Scalapay adds Buy Now Pay Later that Stripe 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 Scalapay?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Scalapay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Scalapay?
Stripe lists 7 regions and 20 payment methods; Scalapay lists 1 and 8. 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 Scalapay compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Scalapay 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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