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Zip

Zip

Omnichannel BNPL

VS

Stripe

SaaS & Developers

Stripe
Fees from
Custom vs 1.5%–3.15% + 1.8 SEK
Features

0 shared

6 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

2 shared

1 unique to Zip · 18 unique to Stripe

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Zip Zip
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
Custom
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
Same day
2–4 business days
Founded
2013
2010
Headquarters
Sydney, Australia
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 0)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 3)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Stripe leads (7 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓

Zip is best when you...

Omnichannel BNPL
View Zip

Stripe is best when you...

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

Frequently Asked Questions

What is the difference between Zip and Stripe?
They share 2 payment methods and 2 regions. Zip adds Buy Now Pay Later that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 15 more that Zip does not list; Stripe also covers Africa, Asia and 3 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Zip or Stripe?
Zip has custom pricing quoted on engagement; 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 Zip and Stripe?
Zip lists 2 regions and 3 payment methods; Stripe lists 7 and 20. both cover North America, Oceania. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zip and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Zip settles in Same day, 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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