Stripe vs Midtrans
A side-by-side look at Stripe and Midtrans: pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  Stripe4.5(4) Sponsored |  MidtransNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | 2.9% + $0.30 | 2.9% + IDR 2,000 |
| In-person rate | 2.7% + $0.05 | N/A |
| Keyed-in rate | 3.4% + $0.30 | N/A |
| International | +1.5% | Same 2.9% + IDR 2,000 card rate. Midtrans processes in IDR only, so the issuing bank handles any currency conversion |
| ACH / bank | 0.8% (cap $5) | Bank transfer and virtual account are a flat IDR 4,000 per transaction across BCA, BNI, BRI, Mandiri, Permata, CIMB, Danamon, BSI and others |
| Monthly fee | $0 | IDR 0 per month |
| Setup fee | N/A | IDR 0, registration and integration are free |
| Monthly minimum | N/A | None |
| Chargeback fee | $15 | No separate Midtrans fee on a refund or chargeback, but the original transaction fee is not returned |
| Pricing model | Flat rate, Custom quote | Flat rate |
| Contract | No contract | No contract |
| Free trial | No | No |
| Payout time | 2-day | T+3 |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | No |
| Apple Pay | Yes | No |
| Google Pay | Yes | No |
| ACH | Yes | No |
| SEPA | Yes | No |
| BNPL | Yes | Yes |
| Wallets | Yes | Yes |
| Wire | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | Yes |
| Shopify | Yes | No |
| WooCommerce | Yes | Yes |
| Mobile SDK | Yes | Yes |
| Payment links | Yes | Yes |
| Invoicing | Yes | No |
| Magento | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Multi-currency | Yes | No |
| Fraud protection | Yes | Yes |
| 3D Secure | Yes | Yes |
| Tokenization | Yes | Yes |
| Marketplace split | Yes | No |
| Reporting dashboard | Yes | Yes |
| Developer-friendly | Yes | No |
| Company | ||
| Founded | 2010 | 2012 |
| Headquarters | San Francisco, CA, USA | Jakarta, Indonesia |
| Company size | 1000+ staff | 51-250 staff |
| Regions | US, CA, EU, UK, Global | Global |
| PCI level | Level 1 | Level 1 |
| Currencies | 135+ currencies | Indonesian rupiah only, following Bank Indonesia regulation, so merchants pricing in other currencies must convert to IDR before sending the charge request |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||