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Software · head to head

Mailchimp vs Stripe

Mailchimp logo

Mailchimp

Software

Turn emails into revenue

From
Free
Rated
-
Full reviewWebsite
S

Stripe

Software

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mailchimp the free plan allows 250 contacts and 500 sends a month, with a 250 daily cap; Stripe requires developer setup and API integration for most use cases
  • They diverge on capability: Mailchimp covers Email campaigns, Stripe covers Payment processing.

Where they differ

Only the attributes on which Mailchimp and Stripe actually diverge.

Attributes where Mailchimp and Stripe differ
AttributeMailchimpStripe
Founded20012010

Identical on both: starting price (Free), pricing model (Unknown), free tier (Yes), platforms (Web, iOS, Android), 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 Mailchimp

  • Email campaigns
  • Marketing automation
  • Landing pages
  • Forms & popups
  • Audience management
  • Content studio
  • Analytics
  • Social media

Only in Stripe

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

Both cover

  • Shopify
  • WooCommerce
  • Salesforce
  • SOC2
  • ISO27001

What people use each for

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

Mailchimp

  • Email newslettersnot Stripe
  • E-commerce marketingnot Stripe
  • Lead generationnot Stripe
  • Customer engagementnot Stripe
  • Marketing automationnot Stripe

Stripe

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

Where each one falls short

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

Mailchimp

  • The free plan allows 250 contacts and 500 sends a month, with a 250 daily cap
  • Price is driven by contact count, so the list growing raises the bill regardless of how much you send
  • Send allowances are a multiple of contacts, 10x on Essentials and 12x on Standard, so a large list with heavy sending forces a tier change
  • Essentials allows 3 seats and Standard 5; unlimited seats need Premium at $350 a month
  • The headline $13 and $20 prices are for 500 contacts, not a flat rate

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

Mailchimp

Free
  • FreeFree
    • 250 contacts
    • 500 sends per month
    • Basic email campaigns
  • Essentials$13/month
    • 500+ contacts
    • Email campaigns
    • Basic automation
  • Standard$20/month
    • Advanced automation
    • Segmentation
    • Landing pages

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose Mailchimp if

  • You need email campaigns.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want marketing automation.
Mailchimp review

Choose Stripe if

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

Questions people ask

Is Mailchimp or Stripe better?
Neither clearly leads. Mailchimp starts at Free and Stripe at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mailchimp or Stripe?
Mailchimp starts at Free and Stripe at Free.
Does Mailchimp or Stripe run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Mailchimp for free?
Both have a free tier, so you can try either at no cost before committing.
What is Mailchimp best used for?
Mailchimp is most often used for email newsletters, e-commerce marketing, lead generation, customer engagement. Of those, email newsletters and e-commerce marketing are not what Stripe is typically brought in for.
What can Mailchimp do that Stripe cannot?
Mailchimp covers Email campaigns, Marketing automation, Landing pages, Forms & popups. Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments). Both handle Shopify, WooCommerce, Salesforce, SOC2.

Answered from the vendors’ own pages

Mailchimp: Does Mailchimp offer a free plan?

Yes, Mailchimp's free plan supports up to 250 contacts and 500 sends per month with a 250-per-day cap.

Source
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
Mailchimp: What email features does Mailchimp include?

Mailchimp provides email campaign builder, automation sequences, segmentation, contact management, and A/B testing for email marketing.

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
Mailchimp: Can Mailchimp integrate with e-commerce platforms?

Yes, Mailchimp integrates with Shopify, WooCommerce, Squarespace, and other e-commerce platforms for customer sync and abandoned cart automation.

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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