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Stripe vs Hyperwallet
Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Hyperwallet in 33. Both serve businesses in 32.
Only Stripe · 12
Only Hyperwallet · 1
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Onboards businesses in United States
Stripe
AvailableHyperwallet
AvailableAccept payments
Stripe
Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.Hyperwallet
Not offeredPay people abroad
Stripe
Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.Hyperwallet
Payouts to bank accounts, cards, wallets and cash pickup in 200+ countries and territories.Multi-currency account
Stripe
Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.Hyperwallet
Not offeredBusiness cards
Stripe
Issue physical and virtual cards for your business or your users.Hyperwallet
Not offeredStablecoins
Stripe
US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.Hyperwallet
Not offeredYield 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.Hyperwallet
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 feesHyperwallet
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.Hyperwallet
–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 creditsHyperwallet
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Stripe
Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees.Hyperwallet
Hyperwallet (a PayPal company) fees are published on PayPal's US merchant fee page. Examples: 0.95 USD per domestic bank transfer, 4.95 USD per international bank transfer, 2% per wire (min 10, max 30 USD), 1.50 USD per domestic debit-card transfer, 0.25 USD per PayPal or Venmo transfer, 10 USD per cash pickup, and a 2% FX spread for major currencies (4% elsewhere). A 10 USD return fee applies to incorrect payment instructions. Hyperwallet's own site directs businesses to sales.Published prices
Stripe
Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency)Hyperwallet
Bank transfers (US (PayPal US merchant fee page)): Domestic 0.95 USD; domestic instant 1.50 USD; international 4.95 USD per transactionWire transfer (US (PayPal US merchant fee page)): 2% of amount, min 10.00 USD, max 30.00 USDPayPal / Venmo / PYUSD transfer (US (PayPal US merchant fee page)): 0.25 USD per transactionForeign exchange spread (US (PayPal US merchant fee page)): 2% for USD, CAD, HKD, AUD, EUR (SEPA), GBP, MXN; 4% for all other countries/regionsSales contact (all): Hyperwallet's own website has no price list and directs businesses to salesOther payout methods and charges (US (PayPal US merchant fee page)): Debit card transfer: domestic 1.50 USD, international 1.5% (min 3.00, max 30.00 USD); cash pickup 10.00 USD; check 3.00 USD; third-party digital wallet 1.5% (min 1.50 USD); return fee for incorrect payment instructions 10.00 USDWhat you can sell
From each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.
Software and digital goods
Stripe
Not statedHyperwallet
Not statedCrypto
Stripe
RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.Hyperwallet
RestrictedCryptocurrency, virtual in-game currencies and NFTs require pre-approval.Lending and financial services
Stripe
RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited.Hyperwallet
RestrictedMoney service businesses, e-money, stored value, escrow and investments require pre-approval. Traveler's checks, money orders, currency exchange, check cashing, certain credit repair, debt settlement and credit transactions, and payment processors collecting for merchants are prohibited.Gambling
Stripe
Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval.Hyperwallet
RestrictedGambling, gaming, prize draws and contests require pre-approval and are allowed only where operator and customers are in jurisdictions where they are legal.Adult content
Stripe
Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.Hyperwallet
RestrictedDigitally delivered adult content (VOD, webcam) requires pre-approval. 'Certain sexually oriented materials or services' and obscene items are prohibited.Dating
Stripe
RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.Hyperwallet
RestrictedOnline dating requires pre-approval.Firearms and weapons
Stripe
RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.Hyperwallet
Not allowedAmmunition, firearms, certain firearm parts and certain regulated weapons or knives are prohibited.Cannabis and CBD
Stripe
Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list.Hyperwallet
Not statedSupplements
Stripe
RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list.Hyperwallet
Not statedPharmacy and telemedicine
Stripe
RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan.Hyperwallet
RestrictedPrescription items, telemedicine and medical devices/services require pre-approval.Travel
Stripe
RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all.Hyperwallet
RestrictedAirlines and charter/air taxi operators require pre-approval. Other travel businesses (agencies, tours) are not mentioned.Multi-level marketing
Stripe
Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.Hyperwallet
RestrictedMulti-level marketing and direct selling require pre-approval; pyramid/Ponzi schemes and 'certain multi-level marketing programs' are prohibited.Free-trial subscriptions
Stripe
Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line.Hyperwallet
Not statedPlatform & 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.Hyperwallet
PartlyPayees sign up with Hyperwallet to receive funds.Split payments and platform fees
Stripe
YesDestination charges, separate charges and transfers, and application fees.Hyperwallet
NoPayouts only.Embeddable UI
Stripe
YesConnect embedded components for onboarding, payments, payouts and account management.Hyperwallet
PartlyWhite-label payee portal.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 stablecoinsHyperwallet
YesBank, card, wallet and cash pickup payouts in 200+ countries and territories.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 eurozoneHyperwallet
PartlyPayees hold balances in Hyperwallet virtual 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 countriesHyperwallet
Not confirmedNot confirmed.Financing for your users
Stripe
YesCapital for platforms offers financing to connected accounts in selected markets.Hyperwallet
NoNot offered.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.Hyperwallet
PartlyPays individuals such as gig workers and sellers.Consumer wallets or accounts
Stripe
PartlyThrough Bridge custodial wallets, not Stripe accounts.Hyperwallet
PartlyPayee virtual accounts.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 countriesHyperwallet
Not confirmedNot confirmed.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe
YesStablecoin payments at checkout, settled to the business in fiat.Hyperwallet
NoNo stablecoin product found 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 accountsHyperwallet
NoNo stablecoin product found in public materials.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 stablecoinsHyperwallet
NoNo stablecoin product found in public materials.Issue your own stablecoin
Stripe
YesThrough Bridge Open Issuance.Hyperwallet
NoNo stablecoin product found in public materials.Regulatory risk in United States
Stripe
Low riskHyperwallet
No stablecoin productsAI 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.Hyperwallet
Not confirmedNone found.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.Hyperwallet
NoDoes not process checkout payments, so there is nothing for an agent to check out with.Cards for AI agents
Stripe
YesIssuing can create single-use virtual cards for agents buying online.Hyperwallet
NoNot offered.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.Hyperwallet
NoSales-led.Published pricing
Stripe
YesStandard rates are on the pricing page; volume discounts are negotiated.Hyperwallet
NoNegotiated.Public API and sandbox
Stripe
YesPublic API, test mode and sandboxes.Hyperwallet
YesPayouts API.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
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 →Hyperwallet
Nothing announcedIn short
Countries onboarded
Stripe
42 of 170Hyperwallet
33 of 170Designed for
Stripe
Online businesses that want one integration for checkout, subscriptions and marketplaces.Hyperwallet
Marketplaces paying thousands of sellers or workers in many countries.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.Hyperwallet
Handles payouts only, not collecting payments.| Stripe Payment processor | Hyperwallet Payout platform | |
|---|---|---|
| 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. | Not offered |
| Pay people abroad | Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries. | Payouts to bank accounts, cards, wallets and cash pickup in 200+ countries and territories. |
| 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. | Not offered |
| Stablecoins | US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries. | Not offered |
| 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 | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees. | Hyperwallet (a PayPal company) fees are published on PayPal's US merchant fee page. Examples: 0.95 USD per domestic bank transfer, 4.95 USD per international bank transfer, 2% per wire (min 10, max 30 USD), 1.50 USD per domestic debit-card transfer, 0.25 USD per PayPal or Venmo transfer, 10 USD per cash pickup, and a 2% FX spread for major currencies (4% elsewhere). A 10 USD return fee applies to incorrect payment instructions. Hyperwallet's own site directs businesses to sales. |
| Published prices | Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency) | Bank transfers (US (PayPal US merchant fee page)): Domestic 0.95 USD; domestic instant 1.50 USD; international 4.95 USD per transactionWire transfer (US (PayPal US merchant fee page)): 2% of amount, min 10.00 USD, max 30.00 USDPayPal / Venmo / PYUSD transfer (US (PayPal US merchant fee page)): 0.25 USD per transactionForeign exchange spread (US (PayPal US merchant fee page)): 2% for USD, CAD, HKD, AUD, EUR (SEPA), GBP, MXN; 4% for all other countries/regionsSales contact (all): Hyperwallet's own website has no price list and directs businesses to salesOther payout methods and charges (US (PayPal US merchant fee page)): Debit card transfer: domestic 1.50 USD, international 1.5% (min 3.00, max 30.00 USD); cash pickup 10.00 USD; check 3.00 USD; third-party digital wallet 1.5% (min 1.50 USD); return fee for incorrect payment instructions 10.00 USD |
| What you can sellFrom each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category. | ||
| Software and digital goods | Not stated | Not stated |
| Crypto | RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited. | RestrictedCryptocurrency, virtual in-game currencies and NFTs require pre-approval. |
| Lending and financial services | RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited. | RestrictedMoney service businesses, e-money, stored value, escrow and investments require pre-approval. Traveler's checks, money orders, currency exchange, check cashing, certain credit repair, debt settlement and credit transactions, and payment processors collecting for merchants are prohibited. |
| Gambling | Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval. | RestrictedGambling, gaming, prize draws and contests require pre-approval and are allowed only where operator and customers are in jurisdictions where they are legal. |
| Adult content | Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited. | RestrictedDigitally delivered adult content (VOD, webcam) requires pre-approval. 'Certain sexually oriented materials or services' and obscene items are prohibited. |
| Dating | RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand. | RestrictedOnline dating requires pre-approval. |
| Firearms and weapons | RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited. | Not allowedAmmunition, firearms, certain firearm parts and certain regulated weapons or knives are prohibited. |
| Cannabis and CBD | Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list. | Not stated |
| Supplements | RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list. | Not stated |
| Pharmacy and telemedicine | RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan. | RestrictedPrescription items, telemedicine and medical devices/services require pre-approval. |
| Travel | RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all. | RestrictedAirlines and charter/air taxi operators require pre-approval. Other travel businesses (agencies, tours) are not mentioned. |
| Multi-level marketing | Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited. | RestrictedMulti-level marketing and direct selling require pre-approval; pyramid/Ponzi schemes and 'certain multi-level marketing programs' are prohibited. |
| Free-trial subscriptions | Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line. | Not stated |
| 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. | PartlyPayees sign up with Hyperwallet to receive funds. |
| Split payments and platform fees | YesDestination charges, separate charges and transfers, and application fees. | NoPayouts only. |
| Embeddable UI | YesConnect embedded components for onboarding, payments, payouts and account management. | PartlyWhite-label payee portal. |
| 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 | YesBank, card, wallet and cash pickup payouts in 200+ countries and territories. |
| 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 | PartlyPayees hold balances in Hyperwallet virtual 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 | Not confirmedNot confirmed. |
| Financing for your users | YesCapital for platforms offers financing to connected accounts in selected markets. | NoNot offered. |
| 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. | PartlyPays individuals such as gig workers and sellers. |
| Consumer wallets or accounts | PartlyThrough Bridge custodial wallets, not Stripe accounts. | PartlyPayee virtual accounts. |
| 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 | Not confirmedNot confirmed. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | YesStablecoin payments at checkout, settled to the business in fiat. | NoNo stablecoin product found 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 | NoNo stablecoin product found in public materials. |
| 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 | NoNo stablecoin product found 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 | No stablecoin products |
| 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. | Not confirmedNone found. |
| 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. | NoDoes not process checkout payments, so there is nothing for an agent to check out with. |
| Cards for AI agents | YesIssuing can create single-use virtual cards for agents buying online. | NoNot offered. |
| 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. |
| Published pricing | YesStandard rates are on the pricing page; volume discounts are negotiated. | NoNegotiated. |
| Public API and sandbox | YesPublic API, test mode and sandboxes. | YesPayouts API. |
| 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 → | Nothing announced |
| In short | ||
| Countries onboarded | 42 of 170 | 33 of 170 |
| Designed for | Online businesses that want one integration for checkout, subscriptions and marketplaces. | Marketplaces paying thousands of sellers or workers in many countries. |
| Limitations | Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it. | Handles payouts only, not collecting payments. |
Common questions
Is Stripe or Hyperwallet available in more countries?
Stripe. Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Hyperwallet in 33. Both serve businesses in 32. Only Stripe: Mexico, Brazil, Switzerland, United Arab Emirates, India, Japan, Singapore, Hong Kong, Indonesia, Malaysia, Thailand and New Zealand. Only Hyperwallet: Iceland.
What do Stripe and Hyperwallet offer?
Accept payments: Stripe yes, Hyperwallet no. Pay people abroad: Stripe yes, Hyperwallet yes. Multi-currency account: Stripe yes, Hyperwallet no. Business cards: Stripe yes, Hyperwallet no. Stablecoins: Stripe yes, Hyperwallet no. Yield on idle cash: Stripe yes, Hyperwallet no.
How do Stripe and Hyperwallet differ for platforms and embedded finance?
Sub-accounts for your users: Stripe yes, Hyperwallet partly. Split payments and platform fees: Stripe yes, Hyperwallet no. Embeddable UI: Stripe yes, Hyperwallet partly. Cards for your users: Stripe yes, Hyperwallet not confirmed. Financing for your users: Stripe yes, Hyperwallet no. Consumer cards: Stripe partly, Hyperwallet not confirmed. Accept stablecoins: Stripe yes, Hyperwallet no. Hold stablecoin balances: Stripe yes, Hyperwallet no. Pay out in stablecoins: Stripe yes, Hyperwallet no. Issue your own stablecoin: Stripe yes, Hyperwallet no. Official MCP server: Stripe yes, Hyperwallet not confirmed. Checkout for AI agents: Stripe yes, Hyperwallet no. Cards for AI agents: Stripe yes, Hyperwallet no.
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 Hyperwallet designed for?
Marketplaces paying thousands of sellers or workers in many countries. Limitations: Handles payouts only, not collecting payments.
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