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SagePay vs Stripe: What are the differences?
<Write Introduction here>
1. **Payment Process**: One key difference between SagePay and Stripe is in the payment process. SagePay acts as a payment gateway, processing the transaction on its own platform, while Stripe allows merchants to process transactions directly on their own website, providing a seamless user experience.
2. **International Support**: Another significant difference is in terms of international support. SagePay primarily focuses on the UK market, offering limited international currency support, whereas Stripe operates globally, supporting a wide range of currencies and countries, making it ideal for businesses with an international customer base.
3. **Fees**: When it comes to fees, Stripe is known for its transparent pricing model, charging a flat rate per transaction with no hidden fees or monthly charges. On the other hand, SagePay may have setup fees, monthly fees, and transaction fees based on the service plan chosen by the merchant.
4. **Integration Options**: Stripe offers a variety of integration options, including APIs, mobile SDKs, and plugins for popular ecommerce platforms, making it easy for developers to integrate payment functionality into their websites or apps. In contrast, SagePay may have more limited integration options, requiring additional development work for seamless integration.
5. **Data Security**: Both SagePay and Stripe prioritize data security, but Stripe is known for its PCI compliance and advanced fraud detection tools, providing merchants with peace of mind when handling sensitive payment information. SagePay also prioritizes security but may not offer the same level of advanced fraud protection as Stripe.
6. **Customer Support**: The level of customer support provided by SagePay and Stripe can vary, with Stripe offering 24/7 support via email, chat, and phone, while SagePay may have more limited support options or slower response times, potentially affecting the merchant's ability to address issues in a timely manner.
In Summary, SagePay and Stripe differ in payment process, international support, fees, integration options, data security, and customer support, making them suitable for different types of businesses based on their specific needs.
We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.
We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.
With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.
And having recently gone through implementing both Stripe and GoCardless to get monthly subscriptions set up and automated on my company website, I felt there was no better time to write this blog post!
If you're currently looking at working with a Payment Gateway provider API, or you're currently working with one but are not a fan, are looking to automate things a bit more, or are just generally thinking about changing, then you should have a read of my latest blog post where I compare Stripe and GoCardless.
I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).
There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:
- API ease of use
- API documentation
- Payment pages
- Costs / fees
- Security
- Developer appeal
- Customer experience
- Free Trial
So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!
Stripe was made with developers in mind first so the extensibility of it is great! This makes it very easy for us to integrate and automate as much as we need with its APIs and SDK. It allows a lot of customization of exactly what we need to build our applications. They also manage all of our customers from a tax and accounting perspective which makes it easy from a business standpoint.
Pros of SagePay
Pros of Stripe
- Easy setup302
- Developer friendly292
- Well-designed api248
- Great documentation191
- Clear pricing169
- Secure75
- Reliable74
- Full integration with webhooks63
- Amazing api43
- Great customer support38
- Easy11
- Credit cards never hit your server - no pci worries6
- Recurring billing5
- No merchant account/gateway required4
- BitCoin3
- Easy to integrate3
- Support for SCA (Strong Customer Authentication)2
- Fast UI2
- Great app2
- Beautiful1
- Payments without own backend (using Stripe Products)1
- Connect1
- Checkout.js1
- Great UI1
- So easy to use1
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Cons of SagePay
Cons of Stripe
- Connect4
- CANNOT withdraw USD to a Canadian Bank Account2
- Does NOT have a currency conversion option like Paypal2
- They keep 25% of the income for 60 days2
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What is SagePay?
What is Stripe?
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