# Airwallex vs Stripe

Source: https://nachonacho.com/compare/airwallex-vs-stripe

Choose Airwallex if you want online payments alongside multi-currency business accounts, international transfers, and employee spend management; choose Stripe if your priority is a payments platform with established in-person tools and a broad set of commerce products. Both offer online checkout, payment links, subscriptions, APIs, and platform payment capabilities. The practical choice is whether your business needs its day-to-day international finances in the same system as payment acceptance, or wants to build around Stripe’s payments and commerce tools.

## At a glance

| | Airwallex | Stripe |
| --- | --- | --- |
| Business accounts | Collect and hold funds in 20+ currencies | Financial Accounts for platforms |
| International transfers | Local transfers to 120+ countries; SWIFT to 200+ | Global Payouts product |
| Company spend | Corporate cards, expenses, reimbursements, and bill pay | Issuing product for physical and virtual cards |
| In-person payments | US POS payments listed as coming soon | Terminal card readers and Tap to Pay |
| Domestic online cards | 2.8% + $0.30 per transaction | 2.9% + $0.30 per successful transaction |
| International online cards | 4.3% + $0.30 per transaction | Domestic rate + 1.5%; another 1% if conversion is required |
| Account pricing | Explore: $0 per user/month for up to 10 Spend users; Grow: $12 per user/month plus platform fee | Standard payments: no setup or monthly fee |
| Subscription billing | 0.5% per successful transaction | Billing pay-as-you-go: 0.7% of Billing volume |
| Payment methods | Cards and 160+ local payment methods | Access to 125+ payment methods |
| Checkout options | Payment links, plugins, checkout components, APIs, and SDKs | Payment Links, Checkout, Elements, and APIs |
| Named integrations | Shopify, WooCommerce, Xero, and QuickBooks | Shopify and WooCommerce |
| Support | Help center and email; dedicated account manager on Accelerate | 24/7 phone, email, and chat; paid support plans |

## Which to choose

### Choose Airwallex if

- Businesses collecting and holding funds in multiple currencies
- Teams making international transfers and paying global suppliers
- Companies managing employee cards, expenses, and bills alongside payments
- Merchants seeking like-for-like settlement in supported currencies

### Choose Stripe if

- Businesses accepting both online and in-person payments
- Teams starting with pay-as-you-go online card processing
- Developers building custom payment and commerce workflows
- Companies seeking separate billing, tax, and platform payment products

## Verdict

Pick Airwallex when holding currencies, paying internationally, and managing company cards and expenses are central to the workflow you want alongside payments. Pick Stripe when in-person acceptance through Terminal, payments integrations, or its separate billing and commerce products are the deciding factors. Compare the full cost of the features you will use: both publish transaction fees, while their account, billing, and support offerings are structured differently.

## Questions

### Is Airwallex vs Stripe a useful comparison?

Yes. Airwallex and Stripe both offer online payments, checkout options, billing, and APIs. Airwallex also packages multi-currency business accounts, transfers, and company spend tools for businesses managing international finances.

### Which costs less for domestic online card payments in the US?

Airwallex publishes 2.8% + $0.30 per domestic online card transaction; Stripe publishes 2.9% + $0.30 per successful domestic card transaction on Standard pricing. Other product fees and transaction types can change the total cost.

### Do Airwallex and Stripe charge monthly fees?

Airwallex lists Explore at $0 per user per month for up to 10 Spend users and Grow at $12 per user per month plus a platform fee. Stripe lists no setup or monthly fee for Standard payments, but products such as Billing have separate pricing.

### Can I hold customer payments in multiple currencies?

Airwallex publishes business accounts that collect and hold funds in 20+ currencies and like-for-like settlement in 20+ currencies. Stripe offers international payments and currency conversion; its Financial Accounts product is listed for platforms.

### Which supports in-person payments in the US?

Stripe offers Terminal card readers and Tap to Pay for in-person payments. Airwallex’s US site lists POS payments as coming soon, so US buyers needing in-person acceptance now should check availability before choosing Airwallex.

### Can both handle subscriptions?

Yes. Airwallex offers subscription management and usage-based billing, priced at 0.5% per successful transaction on its US pricing page. Stripe Billing supports subscriptions and lists pay-as-you-go pricing at 0.7% of Billing volume; payment processing fees are separate.

### Which is a better fit for international supplier payments?

Airwallex is the more direct fit if supplier transfers are part of everyday financial operations: it publishes local transfers to 120+ countries and SWIFT transfers to 200+ countries. Stripe lists Global Payouts as a separate product for paying third parties.

### What support does each offer?

Airwallex lists help-center and email support across its plans, with a dedicated account manager and onboarding support on Accelerate. Stripe says all customers receive 24/7 phone, email, and chat support and offers additional paid support plans.

## Product pages

- Airwallex: https://nachonacho.com/product/airwallex
- Stripe: https://nachonacho.com/product/stripe