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Zettle

Zettle

EU retail

VS

Stripe

SaaS & Developers

Stripe
Fees from
1.75% per transaction (EU) vs 1.5%–3.15% + 1.8 SEK
Features

1 shared

1 unique to Zettle · 5 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

7 shared

1 unique to Zettle · 13 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.
Zettle Zettle
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
1.75% per transaction (EU)
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
Next business day
2–4 business days
Founded
2010
2010
Headquarters
Stockholm, Sweden
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 8)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners
✓
✓
Discover Unique
—
✓
Google Pay
✓
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Swish Unique
✓
—
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Stripe leads (7 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓

Zettle is best when you...

EU retail
Need Low Fees
Not available with Stripe
View Zettle

Stripe is best when you...

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

Frequently Asked Questions

What is the difference between Zettle and Stripe?
They share 7 payment methods and 2 regions. Zettle adds Swish that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 10 more that Zettle does not list; Stripe also covers Africa, Asia and 3 more; only Zettle offers Low Fees.
Which is cheaper, Zettle or Stripe?
Zettle has published rates from 1.75% per transaction (EU); 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 Zettle and Stripe?
Zettle lists 2 regions and 8 payment methods; Stripe lists 7 and 20. both cover Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zettle and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Zettle settles in Next business day, Stripe in 2–4 business days.

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