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Stripe vs Rapyd

Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Rapyd in 62. Both serve businesses in 42.

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For a business registered in

Onboards businesses in United States

Stripe

Available

Rapyd

Available

Accept payments

Stripe

Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.

Rapyd

Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.

Pay people abroad

Stripe

Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.

Rapyd

Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.

Multi-currency account

Stripe

Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.

Rapyd

Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).

Business cards

Stripe

Issue physical and virtual cards for your business or your users.

Rapyd

Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.

Stablecoins

Stripe

US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.

Rapyd

Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.

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.

Rapyd

Not offered

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 fees

Rapyd

No yield offered

Is the money protected?

Stripe

Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.

Rapyd

–

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 credits

Rapyd

–

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.

Rapyd

Not yet researched

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)

Rapyd

–

What 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 stated

Rapyd

Not yet researched

Crypto

Stripe

RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

Adult content

Stripe

Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.

Rapyd

Not yet researched

Dating

Stripe

RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.

Rapyd

Not yet researched

Firearms and weapons

Stripe

RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

Pharmacy 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.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

Multi-level marketing

Stripe

Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

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.

Rapyd

YesPartners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.

Split payments and platform fees

Stripe

YesDestination charges, separate charges and transfers, and application fees.

Rapyd

YesThe marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.

Embeddable UI

Stripe

YesConnect embedded components for onboarding, payments, payouts and account management.

Rapyd

PartlyRapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.

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 stablecoins

Rapyd

YesDisburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.

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 eurozone

Rapyd

YesPlatforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.

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 countries

Rapyd

YesCards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.

Financing for your users

Stripe

YesCapital for platforms offers financing to connected accounts in selected markets.

Rapyd

Not confirmedNo lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were found.

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.

Rapyd

YesWallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.

Consumer wallets or accounts

Stripe

PartlyThrough Bridge custodial wallets, not Stripe accounts.

Rapyd

YesPlatforms can create personal wallets for their customers.

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 countries

Rapyd

YesRapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoins

Stripe

YesStablecoin payments at checkout, settled to the business in fiat.

Rapyd

YesAccept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).

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 countries Announced, not yet live: Move stablecoin balances to and from local bank accounts

Rapyd

YesRapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.

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 stablecoins

Rapyd

YesStablecoin payouts are listed as a Disburse rail.

Issue your own stablecoin

Stripe

YesThrough Bridge Open Issuance.

Rapyd

NoRapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.

Regulatory risk in United States

Stripe

Low risk

Rapyd

Low risk

AI 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.

Rapyd

Not confirmedNot found in public materials (Rapyd docs navigation and a web search, Oct 2026).

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.

Rapyd

Not confirmedNot found in public materials.

Cards for AI agents

Stripe

YesIssuing can create single-use virtual cards for agents buying online.

Rapyd

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.

Rapyd

Not confirmedNot researched yet.

Published pricing

Stripe

YesStandard rates are on the pricing page; volume discounts are negotiated.

Rapyd

Not confirmedNot researched yet.

Public API and sandbox

Stripe

YesPublic API, test mode and sandboxes.

Rapyd

Not confirmedNot researched yet.

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 →

Rapyd

Nothing announced

In short

Countries onboarded

Stripe

42 of 170

Rapyd

62 of 170

Designed for

Stripe

Online businesses that want one integration for checkout, subscriptions and marketplaces.

Rapyd

Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.

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.

Rapyd

Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.

	Stripe Payment processor	Rapyd 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.	Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.
Pay people abroad	Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.	Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.
Multi-currency account	Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.	Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).
Business cards	Issue physical and virtual cards for your business or your users.	Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.
Stablecoins	US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.	Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.
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.	Not yet researched
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)	–
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 yet researched
Crypto	RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.	Not yet researched
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.	Not yet researched
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.	Not yet researched
Adult content	Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.	Not yet researched
Dating	RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.	Not yet researched
Firearms and weapons	RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.	Not yet researched
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 yet researched
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 yet researched
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.	Not yet researched
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 yet researched
Multi-level marketing	Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.	Not yet researched
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 yet researched
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.	YesPartners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.
Split payments and platform fees	YesDestination charges, separate charges and transfers, and application fees.	YesThe marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.
Embeddable UI	YesConnect embedded components for onboarding, payments, payouts and account management.	PartlyRapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.
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	YesDisburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.
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	YesPlatforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.
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	YesCards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.
Financing for your users	YesCapital for platforms offers financing to connected accounts in selected markets.	Not confirmedNo lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were found.
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.	YesWallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.
Consumer wallets or accounts	PartlyThrough Bridge custodial wallets, not Stripe accounts.	YesPlatforms can create personal wallets for their customers.
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	YesRapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.
StablecoinsDollar-backed tokens as a payment and treasury rail.
Accept stablecoins	YesStablecoin payments at checkout, settled to the business in fiat.	YesAccept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).
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 countries Announced, not yet live: Move stablecoin balances to and from local bank accounts	YesRapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.
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	YesStablecoin payouts are listed as a Disburse rail.
Issue your own stablecoin	YesThrough Bridge Open Issuance.	NoRapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.
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.	Not confirmedNot found in public materials (Rapyd docs navigation and a web search, Oct 2026).
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.	Not confirmedNot found in public materials.
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.	Not confirmedNot researched yet.
Published pricing	YesStandard rates are on the pricing page; volume discounts are negotiated.	Not confirmedNot researched yet.
Public API and sandbox	YesPublic API, test mode and sandboxes.	Not confirmedNot researched yet.
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	62 of 170
Designed for	Online businesses that want one integration for checkout, subscriptions and marketplaces.	Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.
Limitations	Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.	Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.

Common questions

Is Stripe or Rapyd available in more countries?

Rapyd. Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Rapyd in 62. Both serve businesses in 42. Only Stripe: Canada and United Arab Emirates. Only Rapyd: Argentina, Colombia, Chile, Peru, Iceland, Israel, Turkey, South Africa, South Korea, Taiwan, Philippines, Vietnam and 8 more.

What do Stripe and Rapyd offer?

Accept payments: Stripe yes, Rapyd yes. Pay people abroad: Stripe yes, Rapyd yes. Multi-currency account: Stripe yes, Rapyd yes. Business cards: Stripe yes, Rapyd yes. Stablecoins: Stripe yes, Rapyd yes. Yield on idle cash: Stripe yes, Rapyd no.

How do Stripe and Rapyd differ for platforms and embedded finance?

Embeddable UI: Stripe yes, Rapyd partly. Accounts that hold money: Stripe partly, Rapyd yes. Financing for your users: Stripe yes, Rapyd not confirmed. End users can be individuals: Stripe partly, Rapyd yes. Consumer wallets or accounts: Stripe partly, Rapyd yes. Consumer cards: Stripe partly, Rapyd yes. Issue your own stablecoin: Stripe yes, Rapyd no. Official MCP server: Stripe yes, Rapyd not confirmed. Checkout for AI agents: Stripe yes, Rapyd not confirmed. Cards for AI agents: Stripe yes, Rapyd 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 Rapyd designed for?

Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API. Limitations: Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.