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Stripe

Stripe

SaaS & Developers

VS

Smile&Pay

French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment

Smile&Pay
Fees from
1.5%–3.15% + 1.8 SEK vs From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume
Features

0 shared

6 unique to Stripe
Regions

0 shared

7 unique to Stripe
Pay methods

3 shared

17 unique to Stripe · 5 unique to Smile&Pay
On payment methods

Stripe supports 20 payment methods, 12 more than Smile&Pay. Verify directly with each provider before signing.

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Show full specs
6 features · 25 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Smile&Pay Smile&Pay
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume
Settlement
Time to receive funds
2–4 business days
Instant to 24 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 8)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Cartes Bancaires Unique
—
✓
Contactless
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Payment Link Unique
—
✓
Paypal Unique
✓
—
Pos Unique
—
✓
Qr Code Unique
—
✓
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Voucher Unique
—
✓
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 Smile&Pay
Need Enterprise
Not available with Smile&Pay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania
Smile&Pay doesn't cover these regions
View Stripe

Smile&Pay is best when you...

French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment
View Smile&Pay

Frequently Asked Questions

What is the difference between Stripe and Smile&Pay?
They share 3 payment methods and 0 regions. Stripe adds ACH, Affirm, Afterpay and 14 more that Smile&Pay does not list; Smile&Pay adds Cartes Bancaires, Payment Link, POS and 2 more 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 Smile&Pay?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Smile&Pay has published rates from From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Smile&Pay?
Stripe lists 7 regions and 20 payment methods; Smile&Pay lists 0 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Smile&Pay compare on integration and settlement?
Stripe offers a sandbox, Smile&Pay does not list one; Stripe supports webhooks; Stripe settles in 2–4 business days, Smile&Pay in Instant to 24 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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