PayFast vs. Stripe Comparison


PayFast	Stripe	+	+
Learn More Update Features	Learn More Update Features	Add To Compare	Add To Compare


		Related Products NMI Payments NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently. 114 Ratings Visit Website Square Payments Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on. 10,145 Ratings Visit Website PayKings PayKings is a merchant account provider that helps businesses secure payment processing services in industries often rejected by traditional payment processors. The platform offers merchant accounts, payment gateways, and payment processing solutions designed to support businesses with specialized risk profiles. What is a high risk merchant account? A high risk merchant account is a payment processing account for merchants that are classified in a high risk category. They require high risk credit card processing solutions. The PayKings Team can get you approved today for a low to high risk merchant account for B2B, eCommerce, or Retail at reduced rates and fees. Credit repair merchant accounts are essential for companies in the credit repair space. You provide credit solutions to your customers and we’ll take care of the payment processing. Selling any type of merchandise through an ecommerce store has its risks. 105 Ratings Visit Website EBizCharge EBizCharge is the leading embedded payments application for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP. Companies use EBizCharge to: ◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart ◉ Automate billing and reconciliation to save time and reduce errors ◉ Speed up collections with easy billing tools: payment links, online customer portal, recurring billing, saved cards, and more ◉ Reduce risk with enterprise-grade security certified by the PCI-Security Council: PCI-compliance, encryption, and tokenization 208 Ratings Visit Website Melio Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go. 2,212 Ratings Visit Website VoucherCart VoucherCart is a sales engine, allowing you to sell your products and services as gift cards, vouchers, and tickets with powerful automation. Create vouchers, gift cards, memberships, and tickets, uniquely branded to your products and services. Automate the publication of your vouchers, limited-time offers, and discounts. Share via all your channels including your website, socials, and email. Achieve sustained & predictable revenue growth. VoucherCart is loaded with incentives for customers to buy again and again. Grow sales, track orders & get paid instantly. Vouchers, gift cards and tickets are the most profitable items your business can sell today. On average, only 85% of business vouchers are redeemed. Since VoucherCart delivers payment in full and in advance, your business can sell confidently, safely, and without hassle. Watch your sales grow and get paid direct to your nominated Bank account. 67 Ratings Visit Website Gr4vy Gr4vy's no-code payment orchestration platform empowers enterprises with full control to automate, customize, and optimize their payment strategy. Through a single integration, businesses can access +400 payment methods, anti-fraud tools, and payment service providers, enabling them to optimize their stack in just a few clicks, all in a centralized platform. While a PSP is incentivized to route transactions through its own infrastructure, Gr4vy remains agnostic. Built on dedicated cloud instances, Gr4vy infrastructure is the only one that eliminates the risk of a single point of failure, ensuring redundancy and high performance. As the only orchestrator with edge computing, all data and transactions are separate from others, minimizing the risk of a data breach, providing data sovereignty, reducing latency, and increasing efficiency. Gr4vy future-proofs payment stacks with flexibility, scalability, simplicity, and innovation—enhancing performance along the way. 5 Ratings Visit Website Square POS Square POS is a simple and intuitive point-of-sale (POS) solution that delivers a robust set of tools for sales tracking, inventory, online payment processing, digital receipts, and analytics. Available for Android and iOS devices, Square POS provides a recording of transactions offline by storing data locally and then automatically syncing all information when their is an Internet connection. Additionally, Square POS enables users to seamlessly manage details, such as names, prices, and quantities and provides features such as a barcode scanner, discounts, credit card processing, gift cards, refunds, and more. Whether or not your business has a brick-and-mortar location, building a robust online presence can help you engage customers from a distance. Square’s online solutions work with any of the above point-of-sale systems, or you can use them on your own. We give you the tools to create thumb-stopping, compelling, and on-brand ads that perform. 765,336 Ratings Visit Website Revaly Revaly is a Payment Performance Management platform designed to ensure that every legitimate transaction succeeds, protecting the recurring revenue businesses depend on. It uses exclusive issuer signals, network intelligence, and AI-powered optimization to maximize payment approvals across the entire lifecycle. By preventing avoidable failures at the first attempt and intelligently recovering declined payments, Revaly reduces involuntary churn and strengthens customer relationships. The platform continuously analyzes routing errors, behavioral patterns, and ecosystem signals to turn unpredictable payments into predictable revenue. Subscription-based companies rely on Revaly to lift approval rates and compound revenue growth without disrupting their existing billing stack. With over 100 integrations, the system fits seamlessly into current workflows while delivering measurable, long-term financial impact. 7 Ratings Visit Website RetailEdge RetailEdge is an easy to use and feature-rich point of sale (POS) and inventory management software solution for retail businesses. RetailEdge offers multi-location support, credit card processing, website integration, mobile POS, and gift card management capabilities within a suite. The solution supports secure and mobile payments like EMV and Apple Pay and integrates with multiple e-commerce platforms for efficient order processing and price updates. RetailEdge was developed in June of 1989 to provide a powerful, flexible, full-featured POS software and hardware solution at a reasonable price that is easy to install, use, and configure, but also affordable to maintain and run. We strongly believe that a good POS solution, in addition to providing great features for a low price, must be supported well. So we have developed a strong support system that provides a backbone of local resellers and quick access to US-based Tier 3 (highest) level support. 201 Ratings Visit Website
About Whether you have a website or not we offer easy, secure and instant payment processing for South African businesses. We offer merchants full integration flexibility alongside a host of payment features. Whether you use an existing shopping cart system or have a custom built website, PayFast is the go-to payment facilitator for all businesses. Invoicing, recon and chasing payments can be time consuming. With the right platform and PayFast you can automate tedious accounting tasks by capturing, tracking and processing payments online. Whether you are looking for a secure payment gateway for your ticketing platform or want to sell event tickets directly through your website, we’ve got you covered. We recognise the important work that you are doing running your charity or NPO. We will help you spread awareness about your cause and enable you to receive online donations instantly and securely via one of our 8 supported payment methods.	About The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported
Audience eCommerce looking for an online payment solution	Audience Individuals or companies that accept payments online
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Not Supported 24/7 Live Support Supported Online Supported
API Offers API Not Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing No information available. Free Version Not Supported Free Trial Not Supported	Pricing 2.9% + 30¢ per charge Custom enterprise pricing available Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 4.1 / 5 ease 4.4 / 5 features 4.1 / 5 design 4.6 / 5 support 3.8 / 5 Read all reviews
	Pros & Cons from Real Users Pros Setting up Stripe is easy, I can even say that you can access this payment processor as soon as you open your account on this platform, so you won't have to wait long days for approval to receive payments, but simply it's an easy sign up and then start using. Another advantage of ease that allows the practical use of Stripe is its interface and it is not very difficult to understand the features it offers, so I can safely say that the way in which this platform can be used is intuitive, making it like this, As I mentioned at the price, a very easy platform to use. The commissions are really low, there is not even a subscription wall in front of you, there are only commissions for transactions that are made, and they are really very low and accessible for any type of business. Other payment processors have subscriptions that can be detrimental since if sales are not generated then there is a loss just by having the payment processor active without doing anything, so Stripe is a good option to "charge" only when a payment occurs payment and not because there are subscriptions involved. I am aware that there are some small things that can be expensive, such as the conversion, since accepting international payments can be expensive just because you have to charge for the conversion and then the transaction, thus having a double charge. It could be solved if only the currency was left as I am receiving it and oneself makes the exchange on another platform or within the same bank account, if possible, I am last, since the bank would have to allow it. Another feature of Stripe that I can't forget to mention is the integration with multiple platforms since I can integrate this payment processor with other platforms to be able to link payments with what I need. For example, I can process a payment with this platform and link the agreements with DocuSign in order to have a centralization of customer information and thus not generate invoices manually, but with the same contract that DocuSign offers me, include it automatically with the payments made. via Stripe. I can also have the accounts of the clients in Salesforce included in the payments made with Stripe in order to have everything connected and centralized without having to link everything manually or have another platform to "link" everything, noting that a payment is from this client or this other, simply to avoid confusion and make everything much easier with payments. API is incredible, it’s obvious how much detail and attention the team at stripe pays to their APIs, it’s a developers dream with how it works. One of the key features is the ease of integration and the multiple ways to offer payments to users from subscriptions and billing systems to invoicing. Another pro of Stripe is how easily you can build and run your payments infrastructure on their system. They offer other services like financing, card issuing, business spend and fraud protection to make sure you have everything you need. Another thing id point out is that it feels like they move with the times as well, when they launched products like Atlas and Crypto, it felt like they were constantly adapting to the needs of their customers every step of the way. This product was extremely easy to setup. We worked on it as a team for 1 hour and we had fully integrated with our website for processing payments and taking orders. The way the product notifies you when a payment is coming helps us to keep up to date with our orders and make sure that we don't fall behind. Stripe is the de facto payment processing solution for thousands of businesses around the world. It does everything we need it to. We use it for accepting online payments and sending invoices. Easy to sign up and easy-to-use application. Technically great, and offers a lot of useful payment methods worldwide. Cons It's amazing how difficult it can be to try to contact support on this platform. The randomness of tech support makes it very unpredictable whether someone will provide an answer or I'll just have to be answered by a bot which doesn't fix anything I'm asking about. I can't even count on live assistance through chat since it is not available all the time, having to opt for traditional methods such as email, slowing down the process of finding solutions by this company since that it takes time to get a response by email which can take up to weeks to be able to have technical assistance by that means. Of all the times I have had to seek help from Stripe support, more than half or the vast majority of answers were not very useful, having answers that are constantly repeated, which is very annoying because I can never find an accurate answer to what I am asking. Also, if I get involved in solving something or getting an answer about such a thing, in most cases they answer me with I will have assistance after talking with technical experts who address the issue more and I would have to wait for an answer that I will get when Stripe support team pleases you. I hope I don't have to assume that Stripe's support team is a small handful of people, which is unheard of for the number of businesses that use this payment processing platform. Just as the commissions are very low, they should also lower the settlement time since it takes approximately 7 days for the payments to be processed in my bank account, so the cash closing is practically slow compared to other payment processors. I understand that payments cannot be made on the same day, but the time should not be that long either, since payments would have to be managed very slowly due to the long time Stripe takes to reflect all payments, so a week seems like a long time to me. This is not an inconvenience that prevents the daily use that is normally given to this platform, but it would not hurt if payments could be processed quickly, it is an inconvenience which, if it did not take so much time, could allow me to have a better workflow than the one I currently have when receiving payments from clients and see that reflected in my bank account in a short time. Their API documentation is amazing, but implementing it was a little tricky when we first started, I also think Stripe isn’t up there yet with Square (Now Block) when it comes to the physical aspect of supporting small businesses and collecting payments. Processing fees are more expensive than we would want. I guess this comes with the ease of setting it up. Eventually we will consider the processing fees more closely once we are hitting our bigger transaction goals. We haven't had any issues with Stripe thus far. Does everything we need it to. They lure you! It's too easy to set up and initially be accepted! The problem starts first when your sales pickup. They let me sign up and paid me twice a month; after 8 weeks, my TTV increased in a healthy way as I added more of their offered payment methods and countries. But instead of paying me the same way, as usual, they put the payment on hold and asked questions. As soon I answered their question, additional questions were asked by always different people, and as well some of the questions were duplicated. Four weeks passed now and all payments are still on hold in total approx, US$450.000! Support-wise, they give you the runaround, and finally, it was escalated, and I received the message that my Travel business is a big risk for them. But no explanation of a payment schedule and how they will pay me for the outstanding amount.! In my opinion, this is criminal! They let me sign up and accept my business transaction but when sales picked up. They stopped paying.
Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported	Training Documentation Not Supported Webinars Supported Live Online Not Supported In Person Not Supported
Company Information PayFast Founded: 2007 South Africa www.payfast.co.za/	Company Information Stripe Founded: 2009 United States www.stripe.com
Alternatives Ozow	Alternatives NMI Payments NMI
Razorpay	Square Payments Block
Verifone	EBizCharge
Exact Payments	Razorpay
Hips HIPS Payment Group View All	Exact Payments View All
Categories Payment Facilitation (PayFac) Supported Payment Gateways Supported Payment Processing Supported	Categories Agentic Commerce Supported Stripe Agentic Commerce is a new infrastructure standard that enables AI agents to securely facilitate buying and selling on behalf of customers. It introduces the Agentic Commerce Suite, allowing businesses to publish products across AI-powered surfaces while retaining control as the merchant of record. Through a single integration, companies can manage discovery, checkout, and payments across compatible AI agents. The system is powered by the open-source Agentic Commerce Protocol (ACP), which enables programmatic transactions between buyers, AI platforms, and businesses. Stripe provides fraud protection through Radar and Shared Payment Tokens to reduce AI-driven transaction risk. The solution supports physical goods, digital products, subscriptions, and asynchronous purchases. Stripe Agentic Commerce expands how businesses reach customers in AI-driven environments while maintaining security and compliance. Bank Verification Supported Billing and Invoicing Supported Embedded Finance Supported Embedded Payments Supported Invoice Generators Supported Payment Facilitation (PayFac) Supported Payment Gateways Supported Payment Processing Supported Subscription Management Supported Virtual Terminals Supported
	Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Supported PCI Compliance Supported Point-of-Sale (POS) Not Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Not Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported Show More Features Billing and Invoicing Features Billing Portal Supported Contact Database Supported Contingency Billing Supported Customer Portal Supported Customizable Invoices Supported Dunning Management Supported Hourly Billing Not Supported Invoice History Supported Mobile Payments Supported Multi-Currency Supported Online Invoicing Supported Online Payments Supported Payment Processing Supported Project Billing Not Supported Recurring/Subscription Billing Supported Service Ticket Billing Not Supported Tax Calculator Supported
Integrations ARMember Supported BookingPress Supported CS-Cart Free Supported CaptureFit Supported Classter Supported Clientish Supported Cloud Funnels Supported Evenda Supported EventBookings Supported HostBill Supported Jotform Supported Magento Supported OnPrintShop Supported Paid Memberships Pro Supported Quick Code Supported Shopify Supported UniTaskerPro Supported WooCommerce Supported Xero Supported eDisciples Supported Show More Integrations View All 25 Integrations	Integrations ARMember Supported BookingPress Supported CS-Cart Free Supported CaptureFit Supported Classter Supported Clientish Supported Cloud Funnels Supported Evenda Supported EventBookings Supported HostBill Supported Jotform Supported Magento Supported OnPrintShop Supported Paid Memberships Pro Supported Quick Code Supported Shopify Supported UniTaskerPro Supported WooCommerce Supported Xero Supported eDisciples Supported Show More Integrations View All 3392 Integrations
Claim PayFast and update features and information Claim PayFast and update features and information	Claim Stripe and update features and information Claim Stripe and update features and information