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Venmo

Venmo

US Social P2P Payments

VS

Stripe

SaaS & Developers

Stripe
Fees from
Free P2P (debit), 3% credit card vs 1.5%–3.15% + 1.8 SEK
Features

1 shared

1 unique to Venmo · 5 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

4 shared

1 unique to Venmo · 16 unique to Stripe
On licensing

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Show full specs
7 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Venmo Venmo
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
Free P2P (debit), 3% credit card
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
1–2 business days
2–4 business days
Founded
2009
2010
Headquarters
New York, USA
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 5)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal
✓
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Venmo 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
—
✓

Venmo is best when you...

US Social P2P Payments
Need Low Fees
Not available with Stripe
View Venmo

Stripe is best when you...

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

Frequently Asked Questions

What is the difference between Venmo and Stripe?
They share 4 payment methods and 1 region. Venmo adds Venmo that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 13 more that Venmo does not list; Stripe also covers Africa, Asia and 4 more; only Venmo offers Low Fees.
Which is cheaper, Venmo or Stripe?
Venmo has published rates from Free P2P (debit), 3% credit card; 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 Venmo and Stripe?
Venmo lists 1 region and 5 payment methods; Stripe lists 7 and 20. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Venmo and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Venmo settles in 1–2 business days, Stripe in 2–4 business days.

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