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AllProPay vs Stripe

An honest, side-by-side look using each provider's publicly published pricing. Stripe is excellent at what it is built for. Here is where each one fits, and what you actually pay.

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Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs Stripe, based on publicly published standard pricing as of June 2026.
 AllProPayStripe
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your numbers with you.Flat rate. One blended price for most cards.
Published online rateBased on your volume and card mix. We show you the number.2.9% + 30¢ per successful card charge.
In-person rateSet by the program that fits your business. We show you the math.2.7% + 5¢ via Stripe Terminal.
Can you see your true cost?Yes. Every fee is itemized.No. The underlying interchange is bundled into the flat rate.
Contracts or cancellation feesNone.None. Month to month.
Free review of your current feesYes, no obligation.Not offered.
SupportA real person who knows your account.Mainly docs, email, and chat. Built for self-serve.
Best forOwner-operated businesses taking payments in person and online.Developers, online and software businesses, global checkout.
SetupWe set it up and help you switch with no downtime.Self-serve, developer-oriented.

When Stripe is the right call

Stripe is genuinely strong if you’re a developer or an online-first business that wants to wire payments into your own software, sell globally, or run a subscription product with code. The flat rate is simple and predictable, and the tools are excellent. If that is you, Stripe may be the right fit, and we’ll tell you so.

Where AllProPay fits better

If you run an owner-operated business that takes a lot of payments in person, a flat rate usually means you overpay, because cheap cards get billed at the same high price as expensive ones, and you can’t see the difference. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, puts the real cost in front of you, gives you a person to call, and helps you switch without downtime.

One $100 debit tap, two receipts: $2.75 with Stripe's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 debit card tap, headed by the comparison $2.75 vs $0.77. Stripe's published in-person rate of 2.7% plus 5 cents gives a $2.75 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, tapped; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. Stripe 2.7% + 5¢ $2.75 2.7% of $100 is $2.70, plus 5¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 DEBIT TAP Same sale, same everyday debit card. Two ways to price it. vs Fee on the same $100 debit tap Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published in-person rate Sale $100.00 Card Debit, tapped Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, tapped) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than Stripe?
Yes. With Dual Pricing, customers who choose to pay by card cover the card fee, so your card processing fees drop to $0. Stripe charges 2.9% + 30 cents on every online card charge, more than $145 a month on $5,000 in card sales, and blends the underlying cost, so you can’t see what you actually pay. If you would rather keep one price for everyone, interchange-plus shows you each card’s real cost plus a markup you can see. Stripe publishes its rates, so you don’t need to send a statement: tell us your monthly card volume and average sale, or send a sales report from your Stripe dashboard, and we’ll show you the difference on your own numbers.
Does Stripe charge more for in-person card payments?
Stripe has a separate in-person rate through Stripe Terminal (about 2.7% + 5 cents on its published pricing). For a business that takes most payments in person, Dual Pricing, interchange-plus, or AllPro Rebate can cost less, depending on your card mix. Pricing changes, so verify current rates.
Do AllProPay or Stripe lock you into a contract?
Neither uses a long-term contract or a cancellation fee. The difference is transparency and support: AllProPay shows every fee and what it’s for, and gives you a real person to call, while Stripe is built mainly for self-serve and online businesses.

See the difference on your numbers

Stripe publishes its rates, so you don’t need a statement. Two numbers show you what you pay Stripe today. Want it in writing? Leave your details and we’ll send you the full side by side.

No statement neededStripe publishes its rates. Your monthly card sales and average sale are enough to start.
What you pay Stripe todayWorked out from Stripe’s published rate, live as you type.
What you’d pay with usWith Dual Pricing, card processing fees drop to $0. We go over your setup with you on the call. Prefer one price for everyone? We price interchange-plus too.
In writing, from a personWe email you the full side by side. No cost, no obligation.
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