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Stripe vs Checkout.com
Only Checkout.com · 2
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For a business registered in
Onboards businesses in United States
Stripe
AvailableCheckout.com
AvailableAccept payments
Stripe
Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.Checkout.com
Enterprise acquiring plus local methods such as mada, Bancontact and iDEAL.Pay people abroad
Stripe
Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.Checkout.com
Card payouts and bank payouts to recipients in supported countries.Multi-currency account
Stripe
Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.Checkout.com
Not offeredBusiness cards
Stripe
Issue physical and virtual cards for your business or your users.Checkout.com
Card issuing for businesses and platforms.Stablecoins
Stripe
US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.Checkout.com
Stablecoin settlement has been offered to some merchants.Yield on idle cash
Stripe
Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.Checkout.com
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
Low risk, not insuredCredits against feesCheckout.com
No yield offeredIs the money protected?
Stripe
Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.Checkout.com
–Does the rate change?
Stripe
Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee creditsCheckout.com
–Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Stripe
YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once.Checkout.com
YesIntegrated Platforms onboards sub-entities with full or light checks.Split payments and platform fees
Stripe
YesDestination charges, separate charges and transfers, and application fees.Checkout.com
YesSplit payments between the platform and sub-entities.Embeddable UI
Stripe
YesConnect embedded components for onboarding, payments, payouts and account management.Checkout.com
Not confirmedPayment UI components exist (Flow, Frames); embeddable onboarding components not confirmed.Pay out to your users
Stripe
YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsCheckout.com
YesPayouts to sub-entities’ bank accounts or debit cards (card payouts on demand through Visa Direct and Mastercard).Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Stripe
PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozoneCheckout.com
PartlySub-entity currency account balances, used to fund card spend. Not full bank accounts.Cards for your users
Stripe
YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countriesCheckout.com
YesPlatforms can issue cards to the businesses or individuals under each sub-entity.Announced, not yet live: Card issuing in the UAEFinancing for your users
Stripe
YesCapital for platforms offers financing to connected accounts in selected markets.Checkout.com
Not confirmedNot found in public materials.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Stripe
PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge.Checkout.com
PartlyCardholders under a sub-entity can be individuals, and consumer vs commercial is a card program setting.Consumer wallets or accounts
Stripe
PartlyThrough Bridge custodial wallets, not Stripe accounts.Checkout.com
NoBalances belong to sub-entities, not consumers.Consumer cards
Stripe
PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countriesCheckout.com
PartlyConsumer card products can be configured for platform programs.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe
YesStablecoin payments at checkout, settled to the business in fiat.Checkout.com
Not confirmedNot confirmed in public materials.Hold stablecoin balances
Stripe
YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accountsCheckout.com
PartlyStablecoin settlement has been offered to some merchants.Pay out in stablecoins
Stripe
YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsCheckout.com
Not confirmedNot confirmed in public materials.Issue your own stablecoin
Stripe
YesThrough Bridge Open Issuance.Checkout.com
NoNo stablecoin product found in public materials.Regulatory risk in United States
Stripe
Low riskCheckout.com
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Stripe
YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks.Checkout.com
YesOfficial MCP server in beta: payment status, refunds, voids, payment links and the docs, for tools like Claude Code and Cursor.Checkout for AI agents
Stripe
YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers.Checkout.com
YesSupports the Agentic Commerce Protocol, Google’s AP2 and Mastercard Agent Pay.Cards for AI agents
Stripe
YesIssuing can create single-use virtual cards for agents buying online.Checkout.com
Not confirmedNot found in public materials.Working with them
How easy it is to get started.
Self-serve signup
Stripe
YesSign up online and go live without sales in supported countries.Checkout.com
NoSales-led onboarding.Published pricing
Stripe
YesStandard rates are on the pricing page; volume discounts are negotiated.Checkout.com
NoPricing is negotiated.Public API and sandbox
Stripe
YesPublic API, test mode and sandboxes.Checkout.com
YesPublic API and sandbox.Coming soon
Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Announced, not yet live
Stripe
Checkout.com
In short
Countries onboarded
Stripe
42 of 170Checkout.com
37 of 170Designed for
Stripe
Online businesses that want one integration for checkout, subscriptions and marketplaces.Checkout.com
Enterprises selling into the Gulf and Europe that need local acquiring, including mada in Saudi Arabia.Limitations
Stripe
Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.Checkout.com
Onboarding goes through Checkout.com’s sales team, and the service is aimed at larger merchants.| Stripe Payment processor | Checkout.com Payment processor | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country. | Enterprise acquiring plus local methods such as mada, Bancontact and iDEAL. |
| Pay people abroad | Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries. | Card payouts and bank payouts to recipients in supported countries. |
| Multi-currency account | Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses. | Not offered |
| Business cards | Issue physical and virtual cards for your business or your users. | Card issuing for businesses and platforms. |
| Stablecoins | US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries. | Stablecoin settlement has been offered to some merchants. |
| Yield on idle cash | Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances. | 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 | Low risk, not insuredCredits against fees | No yield offered |
| Is the money protected? | Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash. | – |
| Does the rate change? | Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee credits | – |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once. | YesIntegrated Platforms onboards sub-entities with full or light checks. |
| Split payments and platform fees | YesDestination charges, separate charges and transfers, and application fees. | YesSplit payments between the platform and sub-entities. |
| Embeddable UI | YesConnect embedded components for onboarding, payments, payouts and account management. | Not confirmedPayment UI components exist (Flow, Frames); embeddable onboarding components not confirmed. |
| Pay out to your users | YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | YesPayouts to sub-entities’ bank accounts or debit cards (card payouts on demand through Visa Direct and Mastercard). |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozone | PartlySub-entity currency account balances, used to fund card spend. Not full bank accounts. |
| Cards for your users | YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countries | YesPlatforms can issue cards to the businesses or individuals under each sub-entity.Announced, not yet live: Card issuing in the UAE |
| Financing for your users | YesCapital for platforms offers financing to connected accounts in selected markets. | Not confirmedNot found in public materials. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge. | PartlyCardholders under a sub-entity can be individuals, and consumer vs commercial is a card program setting. |
| Consumer wallets or accounts | PartlyThrough Bridge custodial wallets, not Stripe accounts. | NoBalances belong to sub-entities, not consumers. |
| Consumer cards | PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countries | PartlyConsumer card products can be configured for platform programs. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | YesStablecoin payments at checkout, settled to the business in fiat. | Not confirmedNot confirmed in public materials. |
| Hold stablecoin balances | YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accounts | PartlyStablecoin settlement has been offered to some merchants. |
| Pay out in stablecoins | YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | Not confirmedNot confirmed in public materials. |
| Issue your own stablecoin | YesThrough Bridge Open Issuance. | NoNo stablecoin product found in public materials. |
| Regulatory risk in United States | Low risk | Low risk |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks. | YesOfficial MCP server in beta: payment status, refunds, voids, payment links and the docs, for tools like Claude Code and Cursor. |
| Checkout for AI agents | YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers. | YesSupports the Agentic Commerce Protocol, Google’s AP2 and Mastercard Agent Pay. |
| Cards for AI agents | YesIssuing can create single-use virtual cards for agents buying online. | Not confirmedNot found in public materials. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | YesSign up online and go live without sales in supported countries. | NoSales-led onboarding. |
| Published pricing | YesStandard rates are on the pricing page; volume discounts are negotiated. | NoPricing is negotiated. |
| Public API and sandbox | YesPublic API, test mode and sandboxes. | YesPublic API and sandbox. |
| Coming soonAnnounced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship. | ||
| Announced, not yet live | Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026 AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026 Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026 3 more and details → | Awaiting approvalIts own US acquiring bankExpected by the end of 2026 · Includes United States Awaiting approvalCard issuing in the UAENo date given Details and sources → |
| In short | ||
| Countries onboarded | 42 of 170 | 37 of 170 |
| Designed for | Online businesses that want one integration for checkout, subscriptions and marketplaces. | Enterprises selling into the Gulf and Europe that need local acquiring, including mada in Saudi Arabia. |
| Limitations | Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it. | Onboarding goes through Checkout.com’s sales team, and the service is aimed at larger merchants. |
Common questions
Is Stripe or Checkout.com available in more countries?
Stripe. Of the 170 countries we track, Stripe onboards businesses in 42 (and 1 more with limits) and Checkout.com in 37 (and 1 more with limits). Both serve businesses in 36. Only Stripe: Canada, Mexico, Brazil, India, Malaysia, Thailand and New Zealand. Only Checkout.com: Iceland and Saudi Arabia.
What do Stripe and Checkout.com offer?
Accept payments: Stripe yes, Checkout.com yes. Pay people abroad: Stripe yes, Checkout.com yes. Multi-currency account: Stripe yes, Checkout.com no. Business cards: Stripe yes, Checkout.com yes. Stablecoins: Stripe yes, Checkout.com yes. Yield on idle cash: Stripe yes, Checkout.com no.
How do Stripe and Checkout.com differ for platforms and embedded finance?
Embeddable UI: Stripe yes, Checkout.com not confirmed. Financing for your users: Stripe yes, Checkout.com not confirmed. Consumer wallets or accounts: Stripe partly, Checkout.com no. Accept stablecoins: Stripe yes, Checkout.com not confirmed. Hold stablecoin balances: Stripe yes, Checkout.com partly. Pay out in stablecoins: Stripe yes, Checkout.com not confirmed. Issue your own stablecoin: Stripe yes, Checkout.com no. Cards for AI agents: Stripe yes, Checkout.com not confirmed.
Who is Stripe designed for?
Online businesses that want one integration for checkout, subscriptions and marketplaces. Limitations: Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.
Who is Checkout.com designed for?
Enterprises selling into the Gulf and Europe that need local acquiring, including mada in Saudi Arabia. Limitations: Onboarding goes through Checkout.com’s sales team, and the service is aimed at larger merchants.
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