JPMorgan Chase vs Stripe
Stripe scores higher overall (74 vs 70), but the right choice depends on your size and card mix. The default for software companies and custom checkout — the wrong default for a shop that just needs a terminal.
Updated 2026-08-07JPMorgan Chase
Bank-grade acquiring with same-day deposits to Chase accounts
70/ 100
2.9Merchant Score
- Pricing
- 3.7
- Features
- 3.4
- Ease of use
- 3.3
- Customer support
- 3.6
- User reviews
- 3.1
- Pricing model
- Quote-based / interchange-plus
- Headline rate
- 2.6% + $0.10
- Monthly fee
- $15/mo
- Contract
- Negotiated; month-to-month available
- Payouts
- Same day to Chase accounts
- Hardware
- Purchased or leased
Strong fit for
- Merchants already banking with Chase
- Businesses that value cash flow and stability
- Volume merchants ready to negotiate
Stripe
Developer-first payments infrastructure
74/ 100
3.5Merchant Score
- Pricing
- 3.1
- Features
- 4.6
- Ease of use
- 3.8
- Customer support
- 3.2
- User reviews
- 3.9
- Pricing model
- Flat rate
- Headline rate
- 2.9% + $0.30
- Monthly fee
- None
- Contract
- None — pay as you go
- Payouts
- 2 business days standard
- Hardware
- Terminal readers from $59
Strong fit for
- SaaS and platforms with engineering teams
- Custom checkout and marketplace builds
- International online sellers
Which one is cheaper for your business?
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