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Windcave

Windcave

NZ merchants

VS

Stripe

SaaS & Developers

Stripe
Fees from
1.75-2.5% vs 1.5%–3.15% + 1.8 SEK
Features

1 shared

5 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

8 shared

1 unique to Windcave · 12 unique to Stripe
On payment methods

Stripe supports 20 payment methods, 11 more than Windcave. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Windcave Windcave
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
1.75-2.5%
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
2–3 business days
2–4 business days
Founded
1993
2010
Headquarters
Auckland, New Zealand
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
—
✓
Enterprise
✓
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 9)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Google Pay Unique
—
✓
Jcb
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
✓
—
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay
✓
✓
Visa
✓
✓
Regions
Stripe leads (7 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania
✓
✓

Windcave is best when you...

NZ merchants
View Windcave

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Windcave
Need Instant Payout
Not available with Windcave
Want coverage in Africa, Europe, Latin America, Middle East, North America
Windcave doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between Windcave and Stripe?
They share 8 payment methods and 2 regions. Windcave adds Mobile Payment that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 9 more that Windcave does not list; Stripe also covers Africa, Europe and 3 more; only Stripe offers Crypto Support, Instant Payout and 3 more.
Which is cheaper, Windcave or Stripe?
Windcave has published rates from 1.75-2.5%; 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 Windcave and Stripe?
Windcave lists 2 regions and 9 payment methods; Stripe lists 7 and 20. both cover Asia, Oceania. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Windcave and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Windcave settles in 2–3 business days, Stripe in 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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