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WHY BUSINESSES CHOOSE FINIX OVER STRIPE

Finix vs. Stripe: How they compare

Choosing the right payments infrastructure is more than just a technical decision—it’s a growth lever. Discover how Finix and Stripe compare in delivering flexibility, transparency, and profitability for software platforms and merchants.

See how Finix's pricing compares with Stripe

Finix

Stripe

Direct Merchant Pricing
Direct Merchant Pricing

Direct Merchant Pricing

Subscription starting at $99/mo or custom

Flat-rate, volume-based custom pricing

In-Person

0% markup on interchange + $0.08

2.7% + $0.05

Online Payments

Interchange + 0% + $0.15

2.9% + $0.30

Interchange Optimization

Full Level 2 & 3 support

Limited support

Virtual Terminal

$0

0.5%

Payment Links

$0

0.4%

ACH Transactions

$0.50 flat

0.8%, up to $5 max

ACH Validation

$0.50 flat

$1.50

Instant Payouts

1%

1.5%

Fraud Detection

$0

$0.02–$0.07 per transaction

Support Fees

$0

Additional fees for SLAs

Technology Fees

$0

0.5% recurring billing

Platform & Marketplace Pricing
Platform & Marketplace Pricing

Pricing Models

Flat-rate or dynamic, fully configurable

Flat-rate or volume-based custom pricing

Interchange Fee Optimization

Full Level 2 & 3 support

Limited support

Merchant Payout

$0.25

$0.25 + 0.25%

White-Labeling

No additional cost

Partial support, additional cost

ACH Transaction Cost

$0.50 flat

0.8%
$5 max

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

Pricing as of May 2025. Applies to U.S.-based businesses. Subject to change.

Built for Growth

Finix
  • Transparent pricing that adapts to your business model

  • 0% markup on interchange for eligible merchants

  • Robust support for Level 2 and Level 3 transactions

  • Custom fee configurations and monetization tools

  • No hidden costs—ever

Stripe
  • Simple flat-rate pricing that adds up quickly

  • Additional fees for support, fraud protection, and analytics

  • Limited fee configuration and monetization capabilities

  • Built for general-purpose payments, not for embedded fintech

No-Code & Low-Code Tools to Launch Faster

Both Finix and Stripe offer tools to help you launch without heavy engineering lift—but only Finix delivers enterprise-grade flexibility without additional costs.

Finix
  • Accept payments instantly with a prebuilt no-code dashboard

  • No-code virtual terminal and payment links (white-labeled or API-driven)

  • Responsive, white-labeled checkout pages, optimized for conversions

  • Real-time, downloadable fee and profitability reports, built-in

  • Flexible low-code and API options to scale with your development team

Stripe
  • Virtual terminal only available via API

  • No-code and API-driven links with recurring support; custom domain costs $10/mo

  • Branded checkout pages with limited white-label and invoice support

  • Basic built-in reporting; full insights require custom API development

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Power Payments for Your Business—Talk to Our Experts Today

Unlock seamless, scalable payments with Finix. Whether you're launching a new product, expanding into new markets, or looking to streamline transactions, we have the tools to help.

Maximize Your Revenue Potential - Unlock new revenue streams, reduce operational costs, and accelerate transaction speed with our powerful, flexible platform

Faster Go-To-Market – Low code, no code & developer-friendly solutions

Seamless Scalability – Future-proof payment infrastructure