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 | 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 |
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% |
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
Check out our reviews
Overall
Overall
Overall
Payment Processing
Payment Processing
eCommerce
Billing & Invoicing
Billing & Invoicing
Recurring Billing
Mobile Credit Card Processing
Mobile Credit Card Processing
Point of Sale
Point of Sale
Recurring Billing
Recurring Billing
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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