Finix vs. Stripe: How they compare
Choosing the right payments provider is critical to the growth, scalability, and profitability of your business. Learn how Finix compares to Stripe.
See how Finix's pricing compares with Stripe
Finix
Stripe
Pricing Models | • Starter, subscription-based starting at $79 per month • Custom | • Standard, per transaction charge • Custom |
In-Person | 0% markup on interchange and card network fees + $0.08 | 2.7% + $0.05 |
Online | Interchange + 0% + $0.15 | 2.9% + $0.30 |
Virtual Terminal Fee | $0 | 0.5% |
Payment Links Fee | $0 | 0.4% |
Machine Learning and Fraud Detection | $0 | $0.02 to $0.07 per transaction |
Support Fees | $0 | Additional fees for dedicated support SLAs |
Technology Fees | $0 | 0.5% recurring billing |
Pricing Models | • Flat Rate • Dynamic • Custom | • Flat Rate (Integrated) • Custom |
Interchange Fee Optimization | Level 2 and Level 3 processing | Limited |
Merchant Payout | $0.25 | $0.25 + 0.25% |
ACH Transaction Cost | $0.50 flat | 0.8% |
ACH Validation | $0.50 | $1.50 |
Virtual Terminal Fee | $0 | 0.5% |
Payment Links Fee | $0 | 0.4% |
Instant Payouts | 1% | 1.5% |
Machine Learning and Fraud Detection | $0 | $0.02 to $0.07 per transaction |
Support Fees | $0 | Additional fees for dedicated support SLAs |
Technology Fees | $0 | 0.5% recurring billing |
Competitor information compiled as of April 29, 2024 and is subject to change. Information is relevant to Finix and Stripe U.S. solutions only.
Pricing designed to help you grow your revenue
Finix
Finix offers competitive and transparent pricing for businesses of all sizes, which helps you retain or earn more revenue on payment processing.
Flat-rate, interchange, and custom pricing models
0% markup on interchange for individual merchants
Full Level 2 and Level 3 support *
Custom fee profiles for merchants
Support customer fees on qualified transactions and SaaS fees for merchants
Stripe
Stripe offers flat-rate, per-transaction pricing. However, rates and fees are higher, and many features like fraud monitoring cost extra, which makes it more difficult for companies to optimize their revenue.
Rigid flat-rate pricing**
Limited Level 2 and Level 3 support**
Limited monetization options due to higher costs and fees
* Only for qualifying businesses, cards, and transactions. Contact us to see if you qualify.
** Exceptions for enterprise customers processing large transaction volumes.
Save time and money with no and low-code solutions
Both Finix and Stripe offer no- and low-code solutions to help your business save on development costs and start processing payments faster. However, Finix offers unparalleled flexibility at no additional cost.
Finix
Get started accepting payments in minutes with the Finix dashboard, no code or developers needed
No-code, built-in virtual terminal
No-code payment links for single or multi-use with white label options or create custom links via API
Prebuilt no-code checkout pages, optimized for conversions, with white label options and responsive design for all devices. Low-code and API options are also available for ultimate flexibility.
Built-in no-code reporting and analytics with 100% transparency into fees, including real-time interchange reports and profitability reports for your business or merchants, which can be downloaded and shared with your team or imported into third-party tools.
Stripe
Virtual terminal via API only; requires developer resources
No-code or API payment links with support for recurring payments and invoices and white label options; charges an additional $10/mo to use a custom domain
Prebuilt no-code checkout pages, optimized for conversions, with white label options, support for recurring payments and invoices, and a responsive design for all devices.
Limited built-in reporting with next-day interchange reports and narrow insights into transactions; comprehensive reporting and analytics require API development.
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