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Stripe

Stripe

SaaS & Developers

VS

Shift4

Hospitality & Retail

Shift4
Fees from
1.5%–3.15% + 1.8 SEK vs 0.05% + $0.03 above interchange
Features

2 shared

4 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

8 shared

12 unique to Stripe · 1 unique to Shift4
On payment methods

Stripe supports 20 payment methods, 11 more than Shift4. 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
Shift4 Shift4
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
0.05% + $0.03 above interchange
Settlement
Time to receive funds
2–4 business days
1–2 business days
Founded
2010
1999
Headquarters
South San Francisco, California
Allentown, Pennsylvania
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 9)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners
✓
✓
Discover
✓
✓
Gift Card Unique
—
✓
Google Pay
✓
✓
Jcb
✓
✓
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 2)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Shift4
Need Enterprise
Not available with Shift4
Want coverage in Africa, Asia, Latin America, Middle East, Oceania
Shift4 doesn't cover these regions
View Stripe

Shift4 is best when you...

Hospitality & Retail
View Shift4

Frequently Asked Questions

What is the difference between Stripe and Shift4?
They share 8 payment methods and 2 regions. Stripe adds ACH, Affirm, Afterpay and 9 more that Shift4 does not list; Shift4 adds Gift Card that Stripe does not list; Stripe also covers Africa, Asia and 3 more; only Stripe offers Crypto Support, Enterprise and 2 more.
Which is cheaper, Stripe or Shift4?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Shift4 has published rates from 0.05% + $0.03 above interchange. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Shift4?
Stripe lists 7 regions and 20 payment methods; Shift4 lists 2 and 9. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Shift4 compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Shift4 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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