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Stripe

Stripe

SaaS & Developers

VS

SMEB

UK small and medium-sized businesses that want card terminals or phone-based Tap to Pay (SoftPOS) together with an e-money business account and cash deposit services.

SMEB
Fees from
1.5%–3.15% + 1.8 SEK vs POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction.
Features

0 shared

6 unique to Stripe
Regions

0 shared

7 unique to Stripe
Pay methods

4 shared

16 unique to Stripe · 1 unique to SMEB
On fees

Stripe publishes 1.5%–3.15% + 1.8 SEK from. SMEB publishes POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction. from. 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
SMEB SMEB
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction.
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
—
Headquarters
South San Francisco, California
—
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 5)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless
✓
✓
Credit Card
✓
✓
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Mobile Wallet Unique
—
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 0)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—

Stripe is best when you...

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

SMEB is best when you...

UK small and medium-sized businesses that want card terminals or phone-based Tap to Pay (SoftPOS) together with an e-money business account and cash deposit services.
View SMEB

Frequently Asked Questions

What is the difference between Stripe and SMEB?
They share 4 payment methods and 0 regions. Stripe adds ACH, Affirm, Afterpay and 13 more that SMEB does not list; SMEB adds Mobile Wallet that Stripe does not list; Stripe also covers Africa, Asia and 5 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Stripe or SMEB?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; SMEB has published rates from POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and SMEB?
Stripe lists 7 regions and 20 payment methods; SMEB lists 0 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and SMEB compare on integration and settlement?
Stripe offers a sandbox, SMEB does not list one; Stripe supports webhooks; Stripe publishes a settlement time of 2–4 business days.

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