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Stripe

Stripe

SaaS & Developers

VS

SpotOn

Restaurant POS & Payments

SpotOn
Fees from
1.5%–3.15% + 1.8 SEK vs 1.99% + $0.25 in-person
Features

1 shared

5 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

5 shared

15 unique to Stripe
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
6 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
SpotOn SpotOn
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
1.99% + $0.25 in-person
Settlement
Time to receive funds
2–4 business days
—
Founded
2010
2017
Headquarters
South San Francisco, California
San Francisco, California
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 5)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
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 SpotOn
Need Enterprise
Not available with SpotOn
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
SpotOn doesn't cover these regions
View Stripe

SpotOn is best when you...

Restaurant POS & Payments
View SpotOn

Frequently Asked Questions

What is the difference between Stripe and SpotOn?
They share 5 payment methods and 1 region. Stripe adds ACH, Affirm, Afterpay and 12 more that SpotOn does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Enterprise and 3 more.
Which is cheaper, Stripe or SpotOn?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; SpotOn has published rates from 1.99% + $0.25 in-person. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and SpotOn?
Stripe lists 7 regions and 20 payment methods; SpotOn lists 1 and 5. 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 SpotOn compare on integration and settlement?
Stripe offers a sandbox, SpotOn does not list one; both support webhooks; Stripe publishes a settlement time of 2–4 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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