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Wise

Wise

International Transfers

VS

Stripe

SaaS & Developers

Stripe
Fees from
0.4-2% (varies by currency) vs 1.5%–3.15% + 1.8 SEK
Features

4 shared

1 unique to Wise · 2 unique to Stripe
Regions

5 shared

2 unique to Stripe
Pay methods

9 shared

2 unique to Wise · 11 unique to Stripe

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Show full specs
7 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Wise Wise
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
0.4-2% (varies by currency)
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
1–2 business days
2–4 business days
Founded
2011
2010
Headquarters
London, United Kingdom
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 5)
Crypto Support Unique
—
✓
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 11)
Ach
✓
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Faster Payments Unique
✓
—
Google Pay
✓
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Paypal Unique
—
✓
Sepa
✓
✓
Stablecoin Unique
—
✓
Swift Unique
✓
—
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Stripe leads (7 vs 5)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓

Wise is best when you...

International Transfers
Need Low Fees
Not available with Stripe
View Wise

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Wise
Need Recurring Payments
Not available with Wise
Want coverage in Africa, Middle East
Wise doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between Wise and Stripe?
They share 9 payment methods and 5 regions. Wise adds Faster Payments, SWIFT that Stripe does not list; Stripe adds Affirm, Afterpay, Amex and 8 more that Wise does not list; Stripe also covers Africa, Middle East; only Wise offers Low Fees.
Which is cheaper, Wise or Stripe?
Wise has published rates from 0.4-2% (varies by currency); 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 Wise and Stripe?
Wise lists 5 regions and 11 payment methods; Stripe lists 7 and 20. both cover Asia, Europe, Latin America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Wise and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Wise settles in 1–2 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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