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Software · head to head

Etsy vs Stripe

Etsy logo

Etsy

Software

Global marketplace for handmade, vintage, and unique items

From
$0.2/per-listing
Rated
-
Full reviewWebsite
S

Stripe

Software

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stripe has a free tier, so it costs nothing to try first.
  • Each has a real cost: Etsy etsy charges a $0.20 USD listing fee per item, a 6.5% transaction fee on sale price plus shipping, a 3% plus $0.25 USD payment processing fee, and a 2.5% currency conversion fee when shop and payment currencies differ; Stripe requires developer setup and API integration for most use cases
  • They diverge on capability: Etsy covers Shop setup, Stripe covers Subscription billing.

Where they differ

Only the attributes on which Etsy and Stripe actually diverge.

Attributes where Etsy and Stripe differ
AttributeEtsyStripe
Starting price$0.2/per-listingFree
Pricing modeltransactionUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android
Founded20052010

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Etsy

  • Shop setup
  • Product listings
  • Shop customization
  • Order management
  • Shipping labels
  • Reviews & ratings
  • Shipping protection

Only in Stripe

  • Subscription billing
  • Invoicing
  • Terminal (in-person payments)
  • Fraud prevention
  • 3D Secure
  • Global payouts
  • Financial reporting
  • Shopify

Both cover

  • Payment processing

What people use each for

The jobs each tool is most often brought in to do.

Etsy

No use cases recorded yet. See the Etsy review.

Stripe

  • Online paymentsnot Etsy
  • Subscription managementnot Etsy
  • Marketplace paymentsnot Etsy
  • Global expansionnot Etsy
  • Platform monetizationnot Etsy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Etsy

  • Etsy charges a $0.20 USD listing fee per item, a 6.5% transaction fee on sale price plus shipping, a 3% plus $0.25 USD payment processing fee, and a 2.5% currency conversion fee when shop and payment currencies differ

Stripe

  • Requires developer setup and API integration for most use cases
  • Dispute fee of $15 per chargeback is standard industry cost
  • Limited offline payment capabilities

Pricing, plan by plan

Etsy

$0.2/per-listing
  • Standard Shop$0.2/per-listing-plus-commission
    • Listing fees
    • Transaction fees
    • Payment processing

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose Etsy if

  • You need shop setup.
  • You also want product listings.
Etsy review

Choose Stripe if

  • You need subscription billing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want invoicing.
Stripe review

Questions people ask

Is Etsy or Stripe better?
Neither clearly leads. Etsy starts at $0.2/per-listing and Stripe at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Etsy or Stripe?
Stripe has a free tier; the other does not. Paid plans start at $0.2/per-listing for Etsy and Free for Stripe.
Does Etsy or Stripe run on more platforms?
Etsy runs on Web. Stripe runs on Web, iOS, Android.
Can I use Stripe for free?
Yes. Stripe has a free tier, so you can try it without paying. Etsy starts at $0.2/per-listing.
What can Etsy do that Stripe cannot?
Etsy covers Shop setup, Product listings, Shop customization, Order management. Stripe covers Subscription billing, Invoicing, Terminal (in-person payments), Fraud prevention. Both handle Payment processing.

Answered from the vendors’ own pages

Stripe: What are Stripe's transaction fees?

Standard US rates are 2.9% plus 30 cents for online card payments, 2.7% plus 5 cents for in-person, 3.4% plus 30 cents for keyed/phone transactions, and 0.8% capped at $5 for ACH payments.

Source
Stripe: How many currencies and countries does it support?

Stripe accepts 135+ currencies and supports payment acceptance in 40+ countries through Stripe Connect, enabling sellers to onboard and receive payouts in minutes.

Source
Stripe: What payment methods are supported?

Stripe supports dozens of payment methods including credit/debit cards, ACH transfers, and local payment options, with additional support through partnerships with Meta and Google.

Source
Stripe: Are there monthly fees or contracts?

No. Stripe charges no monthly fees or contracts, only per-transaction fees and dispute fees, making costs fully transparent and variable.

Source
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Related pages

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