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Personal Finance · head to head

Mint vs Stripe

Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite
S

Stripe

E-commerce

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Stripe requires developer setup and API integration for most use cases
  • They diverge on capability: Mint covers Expense tracking, Stripe covers Payment processing.

Where they differ

Only the attributes on which Mint and Stripe actually diverge.

Attributes where Mint and Stripe differ
AttributeMintStripe
Pricing modelfreeUnknown
CategoryPersonal FinanceE-commerce
Founded20062010

Identical on both: starting price (Free), free tier (Yes), platforms (Web, iOS, Android), user rating (Not yet rated).

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 Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Only in Stripe

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

What people use each for

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

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Stripe
  • Users transitioning to Credit Karma for continued money management featuresnot Stripe

Stripe

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

Where each one falls short

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

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

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

Mint

Free

No published plan breakdown. See the Mint review.

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint 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 Mint or Stripe better?
Neither clearly leads. Mint 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, Mint or Stripe?
Mint starts at Free and Stripe at Free.
Does Mint 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 Mint for free?
Both have a free tier, so you can try either at no cost before committing.
What is Mint best used for?
Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Stripe is typically brought in for.
What can Mint do that Stripe cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments).

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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