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Western Union

Western Union

Global Cash Remittance

VS

Stripe

SaaS & Developers

Stripe
Fees from
Custom vs 2.9% + $0.30
Features

1 shared

5 unique to Stripe
Regions

7 shared

Pay methods

3 shared

2 unique to Western Union · 17 unique to Stripe
On region

Both cover 7 regions. Verify directly with each provider before signing.

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Show full specs
6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Western Union Western Union
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
Custom
2.9% + $0.30
Settlement
Time to receive funds
Near-instant
2–4 business days
Founded
1851
2010
Headquarters
Denver, Colorado
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout
✓
✓
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
✓
✓
Cash Unique
✓
—
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
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
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓

Western Union is best when you...

Global Cash Remittance
View Western Union

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Western Union
Need Enterprise
Not available with Western Union
View Stripe

Frequently Asked Questions

What is the difference between Western Union and Stripe?
Western Union is best for Global Cash Remittance, while Stripe is best for SaaS & Developers. Western Union charges custom pricing and Stripe charges 2.9% + $0.30. They differ in supported features, regions, and payment methods.
Which is cheaper, Western Union or Stripe?
Western Union charges custom pricing while Stripe charges 2.9% + $0.30. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Western Union and Stripe together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Western Union and Stripe can complement each other.
How do Western Union and Stripe differ in their focus?
Western Union is focused on Global Cash Remittance, while Stripe focuses on SaaS & Developers. They serve different market segments with different strengths.

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