Sipay vs Stripe
Sipay and Stripe are both payments & billing tools. Sipay is aimed at small businesses and E-commerce, while Stripe is aimed at developers and small businesses.
Sipay
Virtual POS, payments and wallet from a licensed Turkish e-money firm
Stripe
Payments infrastructure for the internet
| Pricing | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | No | No |
| Free trial | — | — |
| Built for | Small businesses, E-commerce, Enterprise | Developers, Small businesses, Enterprise |
| Platforms | web, ios, android | web |
| Country | TR | US · 2010 |
| Rating | — | — |
Choose Sipay if
Turkish merchants comparing payment providers.
- Licensed e-money institution
- Installments supported
- Marketplace features
Look elsewhere if: Businesses selling mainly outside Turkey.
Choose Stripe if
Developers and companies in supported countries who want full control over payments and billing.
- Best-in-class API and documentation
- Covers payments, billing, tax, fraud and marketplaces
- Reliable at scale with strong uptime
Look elsewhere if: Founders in unsupported countries or small sellers who prefer a merchant of record to avoid tax administration.
Sipay vs Stripe pricing
Sipay
- CustomCustomMerchant commission agreed per merchant
Stripe
- Payments (standard)2.9% + 30¢/per card transactionUS domestic cards; +1.5% international, +1% currency conversion
- Billing0.7%/of billing volumePay-as-you-go; excludes one-off invoices
- Tax0.5%/per transactionTax Basic no-code; $0.50/txn via API; Tax Complete from $90/mo
- Custom pricingCustomLarge payment volume or unique business models
Sipay · Key features
- Virtual POS and 3D Secure
- Installment payments
- Payment links
- Marketplace and sub-merchant payments
- E-commerce plugins and API
- Digital wallet
Cons
- Turkey-focused
- Commission rates vary by agreement
- Smaller developer community than iyzico
Stripe · Key features
- Checkout, Payment Links and Elements for custom forms
- Billing: subscriptions, usage-based pricing, invoicing, dunning
- Connect for marketplaces and platforms with payouts
- Radar fraud prevention and 3DS
- Tax calculation and Terminal for in-person
- Webhooks, test mode, Sigma analytics and extensive SDKs
Cons
- Not available to sellers in all countries
- You own tax compliance unless you add Stripe Tax and filings
- Fees add up: Billing, Tax, Radar are each priced
Sipay vs Stripe: FAQ
Do Sipay and Stripe have a free plan?
Sipay has no free plan. Stripe has no free plan.