Stripe vs saldiaPay
International developer PSP vs. innovative Swiss payment facilitator
Stripe is a globally known payment solution with a strong focus on developers and API flexibility. saldiaPay is an innovative Swiss payment facilitator with its own additional applications such as saldiaApps. Both target different audiences – but there are clear differences in terms of costs, Swiss payment methods and support.
Total monthly costs of Stripe and saldiaPay with a turnover of CHF 20,000
Total monthly costs of Stripe and saldiaPay with a turnover of CHF 100,000
What are the advantages and disadvantages of Stripe and saldiaPay?
Stripe scores with high API flexibility, TWINT support, no fixed costs, free plugin availability and omnichannel support. Disadvantages are the high transaction fees, no PostFinance Pay, no personal support and a complex setup.
saldiaPay convinces with PostFinance Pay and TWINT, innovative saldiaApps, personal support and the highest Google rating (4.7 stars). Disadvantages are the rather high transaction fees, many plugins only on request and a lower international awareness.
Comparison table advantages and disadvantages Stripe vs saldiaPay
Stripe
Advantages
Numerous payment methods (including TWINT)
Free plugins
No monthly fixed costs
Ideal for international payments
Many customisation options
Support for omnichannel payments (POS)
Disadvantages
No support for
PostFinance PayComplex setup
No e-commerce tools
High transaction fees
Only email and chat support
Average Google rating
saldiaPay
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
Free plugins and “saldiaApps”
Free trial available
Swiss company
Personal support
High Google rating
Disadvantages
Many shop plugins only on request
Rather high transaction fees
Low awareness
Focus on e-commerce in Switzerland
Which payment methods do Stripe and saldiaPay offer?
Both support credit cards, TWINT, Apple Pay and Google Pay. saldiaPay additionally offers PostFinance Pay, WIR Pay and Centi – three payment methods that are missing from Stripe. Stripe supports neither PostFinance Pay nor WIR Pay. With 14 compared to 10 payment methods, saldiaPay offers significantly wider coverage for the Swiss market, especially for locally popular payment methods.
Comparison table of payment methods Stripe vs saldiaPay
Stripe
saldiaPay
Mastercard
Yes
Yes
Visa
Yes
Yes
PostFinance Pay
No
Yes
Twint
Yes
Yes
American Express
Yes
Yes
Entdecken
Yes
Yes
PayPal
Yes
Yes
ApplePay
Yes
Yes
GooglePay
Yes
Yes
SamsungPay
No
No
WIRpay
No
Yes
REKA
No
No
CENTI
No
Yes
CRYPTO
Yes
Yes
Purchase on account
Yes
Yes
Zahlen mit Bank
No
No
How do the integrations of Stripe and saldiaPay differ?
Stripe offers free plugins for Shopify, WooCommerce, Shopware, JTL, Ecwid, Drupal, Magento and Prestashop, as well as automation tools such as Make and Zapier. With saldiaPay, many plugins are only available on request. saldiaPay scores with saldiaApps and saldiaShop as e-commerce tools. When it comes to shop system integrations, Stripe has a clear advantage, while saldiaPay leads in additional features.
Comparison table plugins and integrations Stripe vs saldiaPay
Stripe
saldiaPay
Yes
No
Yes
No
Yes
No
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
How does the support of Stripe and saldiaPay compare?
saldiaPay offers personal, free support in Switzerland. Stripe offers exclusively email and chat support. Google reviews: saldiaPay 4.7 stars (39 reviews), Stripe 3.1 stars (8 reviews). saldiaPay has significantly higher customer satisfaction. For SMEs without their own IT department, the personal support from saldiaPay is a clear advantage.
For whom is Stripe suitable and for whom saldiaPay?
saldiaPay is the better choice for Swiss SMEs seeking lower costs, all Swiss payment methods and personal support. Stripe is suitable for companies with their own developer team, an international focus and the need for highly flexible API integrations. The decision depends on technical know-how and the target group.
How easy to set up are Stripe and saldiaPay?
saldiaPay offers a straightforward setup with verification via photo ID and a 30-day trial period. Stripe requires developer knowledge and technical expertise for integration. For Comerciantes without technical experience, saldiaPay is the more accessible entry point, while for developer teams, Stripe offers more flexibility for custom integrations.
How much does Stripe cost compared to saldiaPay?
With a monthly turnover of 20,000 EUR, saldiaPay costs 449 EUR, while Stripe costs 640 EUR. saldiaPay is therefore 191 EUR cheaper per month, or 30% more cost-effective. With a turnover of 100,000 EUR, the difference increases to 1,151 EUR monthly (saldiaPay: 2,049 EUR vs. Stripe: 3,200 EUR). Stripe does not charge monthly fixed fees, but has higher transaction fees at 2.9% + 0.30 EUR than saldiaPay in the Advanced plan (2.5% + 0.30 EUR).
Comparison table of costs Stripe vs saldiaPay
Provider
Subscription
Set-up costs
Monthly costs
Transaction fees
Stripe
Stripe
CHF 0.00
CHF 0.00
2.90%
+
CHF 0.30
saldiaPay
Easy
CHF 0.00
CHF 5.00
3.50%
+
CHF 0.30
saldiaPay
Advanced
CHF 0.00
CHF 15.00
2.50%
+
CHF 0.30
saldiaPay
Enterprise
CHF 0.00
CHF 49.00
1.70%
+
CHF 0.30
Additional remarks
Stripe
For the implementation of Stripe, merchants should have development knowledge. For verification, a valid photo ID and a commercial register number are required. For large companies, Stripe offers special terms that can be requested from sales.
saldiaPay
saldiaPay offers, in addition to payment processing, its own add-on applications (saldiaApps) for accounting, logistics and an integrated online shop (saldiaShop). However, many shop plugins are only available on request. For verification, a photo ID and, where applicable, an entry in the commercial register are required. A 30-day trial period is free of charge.
Conclusion: Stripe or saldiaPay – which provider is more convincing?
saldiaPay offers personal, free support in Switzerland. Stripe offers exclusively email and chat support. Google reviews: saldiaPay 4.7 stars (39 reviews), Stripe 3.1 stars (8 reviews). saldiaPay has significantly higher customer satisfaction. For SMEs without their own IT department, the personal support from saldiaPay is a clear advantage.
