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TerraPay

TerraPay

Global Real-Time Settlements

VS

Stripe

SaaS & Developers

Stripe
Fees from
Per-transaction vs 1.5%–3.15% + 1.8 SEK
Features

2 shared

4 unique to Stripe
Regions

4 shared

3 unique to Stripe
Pay methods

1 shared

1 unique to TerraPay · 19 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 · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
TerraPay TerraPay
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
Per-transaction
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
—
2–4 business days
Founded
2014
2010
Headquarters
Amsterdam, Netherlands
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
—
✓
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 2)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Stripe leads (7 vs 4)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

TerraPay is best when you...

Global Real-Time Settlements
View TerraPay

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with TerraPay
Need Instant Sandbox
Not available with TerraPay
Want coverage in Latin America, Middle East, Oceania
TerraPay doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between TerraPay and Stripe?
They share 1 payment method and 4 regions. TerraPay adds Mobile Money that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 16 more that TerraPay does not list; Stripe also covers Latin America, Middle East and 1 more; only Stripe offers Crypto Support, Instant Sandbox and 2 more.
Which is cheaper, TerraPay or Stripe?
TerraPay has published rates from Per-transaction; Stripe has published rates from 1.5%–3.15% + 1.8 SEK. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use TerraPay and Stripe?
TerraPay lists 4 regions and 2 payment methods; Stripe lists 7 and 20. both cover Africa, Asia, Europe and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TerraPay and Stripe compare on integration and settlement?
both offer a sandbox; 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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