Compare
Stripe vs Ramp
Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Ramp in 1 (and 1 more with limits). Both serve businesses in 2.
Only Stripe · 42
🇲🇽 Mexico🇧🇷 Brazil🇬🇧 United Kingdom🇮🇪 Ireland🇩🇪 Germany🇫🇷 France🇳🇱 Netherlands🇧🇪 Belgium🇱🇺 Luxembourg🇦🇹 Austria🇪🇸 Spain🇵🇹 Portugal🇮🇹 Italy🇬🇷 Greece🇨🇾 Cyprus🇲🇹 Malta🇸🇪 Sweden🇩🇰 Denmark🇳🇴 Norway🇫🇮 Finland🇵🇱 Poland🇨🇿 Czechia🇸🇰 Slovakia🇭🇺 Hungary🇷🇴 Romania🇧🇬 Bulgaria🇭🇷 Croatia🇸🇮 Slovenia🇪🇪 Estonia🇱🇻 Latviaand 12 more →
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Onboards businesses in United States
Stripe
AvailableRamp
AvailableAccept payments
Stripe
Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.Ramp
Not offeredPay people abroad
Stripe
Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.Ramp
Bill pay to vendors at home and abroad.Multi-currency account
Stripe
Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.Ramp
Not offeredBusiness cards
Stripe
Issue physical and virtual cards for your business or your users.Ramp
Corporate cards with built-in expense management.Stablecoins
Stripe
US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.Ramp
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.Ramp
Ramp Treasury pays interest on FDIC-insured cash in its business account, and offers a separate investment account in a government money market fund.Yield 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 feesRamp
Principal insuredInsured bank depositLow risk, not insuredMoney market fundIs the money protected?
Stripe
Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.Ramp
Insured bank deposit: Held as a bank deposit and insured by a government scheme (FDIC in the US) up to its limit, usually spread across partner banks.Money market fund: Not a deposit and not insured. The fund holds short-term government debt and aims to keep its value stable, but that is not guaranteed. Broker protection (SIPC in the US) covers the broker failing, not investment losses.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 creditsRamp
Set by the bank and can be changed at any time. Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 2% on insured cash and 4% in the fund (2026)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.Ramp
Ramp publishes plan prices: Free ($0 per user per month), Plus ($15 per user per month plus a platform fee based on team size) and custom Enterprise pricing. It advertises free same-day ACH and domestic and international wires via Bill Pay, and $0.65 per IRS 1099 filing.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)Ramp
Free plan (US): $0 per user per monthPlus plan (US): $15 per user per month + platform fee based on team size (20% off with annual billing)Enterprise plan (US): Custom (contact sales)Bank transfers (US): Free same-day ACH, domestic and international wires (Bill Pay); banking with no fees, minimum deposits or transfer caps1099 filing (US): $0.65 per IRS filing; state filing freeWhat 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 statedRamp
Not statedCrypto
Stripe
RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.Ramp
RestrictedPurchase, sale or mining of cryptocurrency may require additional information or documentation.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.Ramp
Restricted'Certain financial services' are prohibited: securities brokers/dealers, cash disbursement, currency dealers/exchangers, and issuers/sellers of traveler's checks, money orders or stored value. Other financial services are not mentioned.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.Ramp
RestrictedRamp prohibits companies primarily engaged in 'certain' gambling, betting, lotteries, sweepstakes or games of chance, without saying which. Only part of the category is barred, so the status is restricted under the taxonomy. Ramp describes no approval route; ask Ramp before applying.Adult content
Stripe
Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.Ramp
Not allowedAdult entertainment businesses, their online advertisers, prostitution/escort services and massage parlors are prohibited.Dating
Stripe
RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.Ramp
Not statedFirearms and weapons
Stripe
RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.Ramp
RestrictedRamp prohibits companies primarily engaged in 'certain' production, sale or distribution of guns, accessories, ammunition and other weapons, without saying which. Only part of the category is barred, so the status is restricted under the taxonomy. Ramp describes no approval route; ask Ramp before applying.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.Ramp
RestrictedRamp prohibits companies primarily engaged in 'certain' production, sale or distribution of marijuana, without saying which. Only part of the category is barred, so the status is restricted under the taxonomy. Ramp describes no approval route; ask Ramp before applying. Sale of Schedule I controlled substances is prohibited outright.Supplements
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.Ramp
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.Ramp
RestrictedPharmaceutical sales may require additional information. Selling Schedule II-V controlled substances without a pharmaceutical licence is prohibited.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.Ramp
Not statedMulti-level marketing
Stripe
Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.Ramp
Not allowedGet-rich-quick schemes and multi-level marketing 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.Ramp
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.Ramp
NoRamp serves its own customers only.Split payments and platform fees
Stripe
YesDestination charges, separate charges and transfers, and application fees.Ramp
NoNot a payment processor.Embeddable UI
Stripe
YesConnect embedded components for onboarding, payments, payouts and account management.Ramp
NoNo platform components.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 stablecoinsRamp
NoBill pay is for your own vendors, not your users.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 eurozoneRamp
NoNot offered.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 countriesRamp
NoCards are for your own employees.Financing for your users
Stripe
YesCapital for platforms offers financing to connected accounts in selected markets.Ramp
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.Ramp
NoUS businesses only.Consumer wallets or accounts
Stripe
PartlyThrough Bridge custodial wallets, not Stripe accounts.Ramp
NoNot offered.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 countriesRamp
NoNot offered.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe
YesStablecoin payments at checkout, settled to the business in fiat.Ramp
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 accountsRamp
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 stablecoinsRamp
NoNo stablecoin product found in public materials.Issue your own stablecoin
Stripe
YesThrough Bridge Open Issuance.Ramp
NoNo stablecoin product found in public materials.Regulatory risk in United States
Stripe
Low riskRamp
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.Ramp
YesRamp MCP for AI assistants and a CLI for coding agents, signed in with Ramp OAuth and acting with the user’s permissions. Writes are logged.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.Ramp
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.Ramp
YesAgents can generate Agent Card credentials limited to a single purchase.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.Ramp
YesApply online.Published pricing
Stripe
YesStandard rates are on the pricing page; volume discounts are negotiated.Ramp
YesFree core plan; paid tiers are published.Public API and sandbox
Stripe
YesPublic API, test mode and sandboxes.Ramp
YesAPI for your own cards, bills, transactions and accounting data.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 →Ramp
WaitlistLater than expectedRamp for EU-headquartered companiesExpected Q3 2026, not launched yet
Details and sources →In short
Countries onboarded
Stripe
42 of 170Ramp
1 of 170Designed for
Stripe
Online businesses that want one integration for checkout, subscriptions and marketplaces.Ramp
US companies that want cards, expenses and vendor payments in one place.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.Ramp
Does not process customer payments and is only available to US companies.| Stripe Payment processor | Ramp Spend management | |
|---|---|---|
| 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. | Bill pay to vendors at home and abroad. |
| 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. | Corporate cards with built-in expense management. |
| 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. | Ramp Treasury pays interest on FDIC-insured cash in its business account, and offers a separate investment account in a government money market fund. |
| 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 | Principal insuredInsured bank depositLow risk, not insuredMoney market fund |
| Is the money protected? | Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash. | Insured bank deposit: Held as a bank deposit and insured by a government scheme (FDIC in the US) up to its limit, usually spread across partner banks.Money market fund: Not a deposit and not insured. The fund holds short-term government debt and aims to keep its value stable, but that is not guaranteed. Broker protection (SIPC in the US) covers the broker failing, not investment losses. |
| 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 | Set by the bank and can be changed at any time. Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 2% on insured cash and 4% in the fund (2026) |
| 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. | Ramp publishes plan prices: Free ($0 per user per month), Plus ($15 per user per month plus a platform fee based on team size) and custom Enterprise pricing. It advertises free same-day ACH and domestic and international wires via Bill Pay, and $0.65 per IRS 1099 filing. |
| 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) | Free plan (US): $0 per user per monthPlus plan (US): $15 per user per month + platform fee based on team size (20% off with annual billing)Enterprise plan (US): Custom (contact sales)Bank transfers (US): Free same-day ACH, domestic and international wires (Bill Pay); banking with no fees, minimum deposits or transfer caps1099 filing (US): $0.65 per IRS filing; state filing free |
| 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. | RestrictedPurchase, sale or mining of cryptocurrency may require additional information or documentation. |
| 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. | Restricted'Certain financial services' are prohibited: securities brokers/dealers, cash disbursement, currency dealers/exchangers, and issuers/sellers of traveler's checks, money orders or stored value. Other financial services are not mentioned. |
| 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. | RestrictedRamp prohibits companies primarily engaged in 'certain' gambling, betting, lotteries, sweepstakes or games of chance, without saying which. Only part of the category is barred, so the status is restricted under the taxonomy. Ramp describes no approval route; ask Ramp before applying. |
| Adult content | Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited. | Not allowedAdult entertainment businesses, their online advertisers, prostitution/escort services and massage parlors are prohibited. |
| Dating | RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand. | Not stated |
| Firearms and weapons | RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited. | RestrictedRamp prohibits companies primarily engaged in 'certain' production, sale or distribution of guns, accessories, ammunition and other weapons, without saying which. Only part of the category is barred, so the status is restricted under the taxonomy. Ramp describes no approval route; ask Ramp before applying. |
| 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. | RestrictedRamp prohibits companies primarily engaged in 'certain' production, sale or distribution of marijuana, without saying which. Only part of the category is barred, so the status is restricted under the taxonomy. Ramp describes no approval route; ask Ramp before applying. Sale of Schedule I controlled substances is prohibited outright. |
| 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. | RestrictedPharmaceutical sales may require additional information. Selling Schedule II-V controlled substances without a pharmaceutical licence is prohibited. |
| 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. | Not stated |
| Multi-level marketing | Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited. | Not allowedGet-rich-quick schemes and multi-level marketing 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. | NoRamp serves its own customers only. |
| Split payments and platform fees | YesDestination charges, separate charges and transfers, and application fees. | NoNot a payment processor. |
| Embeddable UI | YesConnect embedded components for onboarding, payments, payouts and account management. | NoNo platform components. |
| 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 | NoBill pay is for your own vendors, not your users. |
| 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 | NoNot offered. |
| 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 | NoCards are for your own employees. |
| 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. | NoUS businesses only. |
| Consumer wallets or accounts | PartlyThrough Bridge custodial wallets, not Stripe accounts. | NoNot offered. |
| 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 | NoNot offered. |
| 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. | YesRamp MCP for AI assistants and a CLI for coding agents, signed in with Ramp OAuth and acting with the user’s permissions. Writes are logged. |
| 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. | YesAgents can generate Agent Card credentials limited to a single purchase. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | YesSign up online and go live without sales in supported countries. | YesApply online. |
| Published pricing | YesStandard rates are on the pricing page; volume discounts are negotiated. | YesFree core plan; paid tiers are published. |
| Public API and sandbox | YesPublic API, test mode and sandboxes. | YesAPI for your own cards, bills, transactions and accounting data. |
| 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 → | WaitlistLater than expectedRamp for EU-headquartered companiesExpected Q3 2026, not launched yet Details and sources → |
| In short | ||
| Countries onboarded | 42 of 170 | 1 of 170 |
| Designed for | Online businesses that want one integration for checkout, subscriptions and marketplaces. | US companies that want cards, expenses and vendor payments in one place. |
| Limitations | Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it. | Does not process customer payments and is only available to US companies. |
Common questions
Is Stripe or Ramp available in more countries?
Stripe. Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Ramp in 1 (and 1 more with limits). Both serve businesses in 2. Only Stripe: Mexico, Brazil, United Kingdom, Ireland, Germany, France, Netherlands, Belgium, Luxembourg, Austria, Spain, Portugal and 30 more.
What do Stripe and Ramp offer?
Accept payments: Stripe yes, Ramp no. Pay people abroad: Stripe yes, Ramp yes. Multi-currency account: Stripe yes, Ramp no. Business cards: Stripe yes, Ramp yes. Stablecoins: Stripe yes, Ramp no. Yield on idle cash: Stripe yes, Ramp yes.
How do Stripe and Ramp differ for platforms and embedded finance?
Sub-accounts for your users: Stripe yes, Ramp no. Split payments and platform fees: Stripe yes, Ramp no. Embeddable UI: Stripe yes, Ramp no. Pay out to your users: Stripe yes, Ramp no. Accounts that hold money: Stripe partly, Ramp no. Cards for your users: Stripe yes, Ramp no. Financing for your users: Stripe yes, Ramp no. End users can be individuals: Stripe partly, Ramp no. Consumer wallets or accounts: Stripe partly, Ramp no. Consumer cards: Stripe partly, Ramp no. Accept stablecoins: Stripe yes, Ramp no. Hold stablecoin balances: Stripe yes, Ramp no. Pay out in stablecoins: Stripe yes, Ramp no. Issue your own stablecoin: Stripe yes, Ramp no. Checkout for AI agents: Stripe yes, Ramp 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 Ramp designed for?
US companies that want cards, expenses and vendor payments in one place. Limitations: Does not process customer payments and is only available to US companies.
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