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Zoho Payments

Zoho Payments

Zoho Ecosystem Payments

VS

Stripe

SaaS & Developers

Stripe
Fees from
2.9% + $0.30 vs 1.5%–3.15% + 1.8 SEK
Features

2 shared

4 unique to Stripe
Regions

3 shared

4 unique to Stripe
Pay methods

2 shared

18 unique to Stripe
On fees

Zoho Payments publishes 2.9% + $0.30 from. Stripe publishes 1.5%–3.15% + 1.8 SEK from. Verify directly with each provider before signing.

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Show full specs
6 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Zoho Payments Zoho Payments
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
2 business days
2–4 business days
Founded
2022
2010
Headquarters
Chennai, India
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
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 2)
Ach
✓
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card Unique
—
✓
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 3)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Zoho Payments is best when you...

Zoho Ecosystem Payments
View Zoho Payments

Stripe is best when you...

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

Frequently Asked Questions

What is the difference between Zoho Payments and Stripe?
They share 2 payment methods and 3 regions. Stripe adds Affirm, Afterpay, Amex and 15 more that Zoho Payments does not list; Stripe also covers Africa, Latin America and 2 more; only Stripe offers Crypto Support, Enterprise and 2 more.
Which is cheaper, Zoho Payments or Stripe?
Zoho Payments has published rates from 2.9% + $0.30; 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 Zoho Payments and Stripe?
Zoho Payments lists 3 regions and 2 payment methods; Stripe lists 7 and 20. both cover Asia, Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zoho Payments and Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; Zoho Payments settles in 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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