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Stripe Managed Payments vs FastSpring
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Onboards businesses in United States
Stripe Managed Payments
AvailableFastSpring
AvailableAccept payments
Stripe Managed Payments
Stripe (through Link) becomes merchant of record for digital products sold with Stripe Checkout, Payment Links or its mobile Checkout UI, handling sales tax, VAT and GST in 80+ countries, fraud, disputes and transaction-level customer support. Payouts go to the seller’s Stripe account as usual.FastSpring
FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal.Pay people abroad
Stripe Managed Payments
Not offeredFastSpring
Not offeredMulti-currency account
Stripe Managed Payments
Not offeredFastSpring
Not offeredBusiness cards
Stripe Managed Payments
Not offeredFastSpring
Not offeredStablecoins
Stripe Managed Payments
Not offeredFastSpring
Not offeredYield on idle cash
Stripe Managed Payments
Not offeredFastSpring
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Stripe Managed Payments
No yield offeredFastSpring
No yield offeredIs the money protected?
Stripe Managed Payments
–FastSpring
–Does the rate change?
Stripe Managed Payments
–FastSpring
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Stripe Managed Payments
3.5% per successful transaction, calculated on the full amount including tax, on top of standard Stripe processing fees. Subscriptions also pay Stripe Billing’s pay-as-you-go fee; some local payment methods (e.g. Klarna 2.99–5.99%) cost extra. Seen 2026-10-24.FastSpring
No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Published prices
Stripe Managed Payments
Not publishedFastSpring
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Stripe Managed Payments
NoManaged Payments supports direct integrations only; Connect platforms, Express accounts and platform-controlled accounts are not supported.FastSpring
NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found.Split payments and platform fees
Stripe Managed Payments
NoPlatform and marketplace (Connect) integrations are unsupported, and products must be sold directly, not through a marketplace.FastSpring
PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted.Embeddable UI
Stripe Managed Payments
PartlyWorks with Stripe Checkout (Stripe-hosted or embedded page) and Payment Links, plus a mobile Checkout UI. Payment flows that use embeddable web components (Elements) or other advanced integrations are not supported.FastSpring
YesEmbedded and popup checkouts let customers buy without leaving your site.Pay out to your users
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Cards for your users
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Financing for your users
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
YesRead as "the seller can be an individual": the Payouts Portal accepts Individual accounts with a national tax ID or SSN.Consumer wallets or accounts
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Consumer cards
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Stripe Managed Payments
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Stripe Managed Payments
No stablecoin productsFastSpring
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Stripe Managed Payments
YesStripe’s official MCP server (public preview) works with the Stripe API and docs; no Managed Payments-specific tools are documented.FastSpring
Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count.Checkout for AI agents
Stripe Managed Payments
Not confirmedStripe has a separate Agentic Commerce Suite, but no Managed Payments page says it works with agentic checkout.FastSpring
Not confirmedNot found on the official pages checked.Cards for AI agents
Stripe Managed Payments
Not confirmedNot part of Managed Payments; Stripe’s separate issuing products were not assessed.FastSpring
Not confirmedNot found on the official pages checked.Working with them
How easy it is to get started.
Self-serve signup
Stripe Managed Payments
Not confirmedNot researched yet.FastSpring
Not confirmedNot researched yet.Published pricing
Stripe Managed Payments
Yes3.5% per successful transaction, calculated on the full amount including tax, on top of standard Stripe processing fees. Subscriptions also pay Stripe Billing’s pay-as-you-go fee; some local payment methods (e.g. Klarna 2.99–5.99%) cost extFastSpring
YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Public API and sandbox
Stripe Managed Payments
Not confirmedNot researched yet.FastSpring
Not confirmedNot researched yet.In short
Countries onboarded
Stripe Managed Payments
36 of 170FastSpring
157 of 170Designed for
Stripe Managed Payments
Businesses already on Stripe in a supported country that sell software, SaaS or digital content and want Stripe to handle global tax.FastSpring
Established software and game companies that want a negotiated merchant of record contract and many payout options.Limitations
Stripe Managed Payments
Digital products only, Stripe Checkout or Payment Links only, sellers must be based in one of 37 listed locations, and customers in restricted countries (including China, Cuba, Iran, Kosovo, North Korea, Russia and Syria) cannot buy.FastSpring
No published price list; rates are quoted by sales.| Stripe Managed Payments Merchant of record | FastSpring Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Stripe (through Link) becomes merchant of record for digital products sold with Stripe Checkout, Payment Links or its mobile Checkout UI, handling sales tax, VAT and GST in 80+ countries, fraud, disputes and transaction-level customer support. Payouts go to the seller’s Stripe account as usual. | FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal. |
| Pay people abroad | Not offered | Not offered |
| Multi-currency account | Not offered | Not offered |
| Business cards | Not offered | Not offered |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | 3.5% per successful transaction, calculated on the full amount including tax, on top of standard Stripe processing fees. Subscriptions also pay Stripe Billing’s pay-as-you-go fee; some local payment methods (e.g. Klarna 2.99–5.99%) cost extra. Seen 2026-10-24. | No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24. |
| Published prices | Not published | Not published |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | NoManaged Payments supports direct integrations only; Connect platforms, Express accounts and platform-controlled accounts are not supported. | NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found. |
| Split payments and platform fees | NoPlatform and marketplace (Connect) integrations are unsupported, and products must be sold directly, not through a marketplace. | PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted. |
| Embeddable UI | PartlyWorks with Stripe Checkout (Stripe-hosted or embedded page) and Payment Links, plus a mobile Checkout UI. Payment flows that use embeddable web components (Elements) or other advanced integrations are not supported. | YesEmbedded and popup checkouts let customers buy without leaving your site. |
| Pay out to your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Cards for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Financing for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | Not confirmedNot found on the official pages checked. | YesRead as "the seller can be an individual": the Payouts Portal accepts Individual accounts with a national tax ID or SSN. |
| Consumer wallets or accounts | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer cards | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Hold stablecoin balances | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Pay out in stablecoins | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Issue your own stablecoin | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Regulatory risk in United States | No stablecoin products | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesStripe’s official MCP server (public preview) works with the Stripe API and docs; no Managed Payments-specific tools are documented. | Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count. |
| Checkout for AI agents | Not confirmedStripe has a separate Agentic Commerce Suite, but no Managed Payments page says it works with agentic checkout. | Not confirmedNot found on the official pages checked. |
| Cards for AI agents | Not confirmedNot part of Managed Payments; Stripe’s separate issuing products were not assessed. | Not confirmedNot found on the official pages checked. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| Published pricing | Yes3.5% per successful transaction, calculated on the full amount including tax, on top of standard Stripe processing fees. Subscriptions also pay Stripe Billing’s pay-as-you-go fee; some local payment methods (e.g. Klarna 2.99–5.99%) cost ext | YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24. |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 36 of 170 | 157 of 170 |
| Designed for | Businesses already on Stripe in a supported country that sell software, SaaS or digital content and want Stripe to handle global tax. | Established software and game companies that want a negotiated merchant of record contract and many payout options. |
| Limitations | Digital products only, Stripe Checkout or Payment Links only, sellers must be based in one of 37 listed locations, and customers in restricted countries (including China, Cuba, Iran, Kosovo, North Korea, Russia and Syria) cannot buy. | No published price list; rates are quoted by sales. |
Common questions
Is Stripe Managed Payments or FastSpring available in more countries?
FastSpring. Of the 170 countries we track, Stripe Managed Payments onboards businesses in 36 and FastSpring in 157 (and 1 more with limits). Both serve businesses in 36. Only FastSpring: Mexico, Brazil, Argentina, Colombia, Chile, Peru, Iceland, United Arab Emirates, Saudi Arabia, Israel, Turkey, Egypt and 110 more.
What do Stripe Managed Payments and FastSpring offer?
Accept payments: Stripe Managed Payments yes, FastSpring yes. Pay people abroad: Stripe Managed Payments no, FastSpring no. Multi-currency account: Stripe Managed Payments no, FastSpring no. Business cards: Stripe Managed Payments no, FastSpring no. Stablecoins: Stripe Managed Payments no, FastSpring no. Yield on idle cash: Stripe Managed Payments no, FastSpring no.
How do Stripe Managed Payments and FastSpring differ for platforms and embedded finance?
Split payments and platform fees: Stripe Managed Payments no, FastSpring partly. Embeddable UI: Stripe Managed Payments partly, FastSpring yes. End users can be individuals: Stripe Managed Payments not confirmed, FastSpring yes. Official MCP server: Stripe Managed Payments yes, FastSpring not confirmed.
Who is Stripe Managed Payments designed for?
Businesses already on Stripe in a supported country that sell software, SaaS or digital content and want Stripe to handle global tax. Limitations: Digital products only, Stripe Checkout or Payment Links only, sellers must be based in one of 37 listed locations, and customers in restricted countries (including China, Cuba, Iran, Kosovo, North Korea, Russia and Syria) cannot buy.
Who is FastSpring designed for?
Established software and game companies that want a negotiated merchant of record contract and many payout options. Limitations: No published price list; rates are quoted by sales.
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