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APIs · head to head

PubNub vs Stripe

PubNub logo

PubNub

APIs

Realtime communication platform for chat, IoT, and live data apps

From
Free
Rated
-
Full reviewWebsite
Stripe logo

Stripe

E-Commerce

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: PubNub free plan storage history is limited to 7 days, which is short for apps needing longer message retention.; Stripe requires developer setup and API integration for most use cases
  • They diverge on capability: PubNub covers Pub/sub messaging, Stripe covers Payment processing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which PubNub and Stripe actually diverge.

Attributes where PubNub and Stripe differ
AttributePubNubStripe
Pricing modelfreemiumUnknown
Platformsweb, ios, android, apiWeb, iOS, Android
CategoryAPIsE-Commerce
FoundedUnknown2010

Identical on both: starting price (Free), free tier (Yes), 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 PubNub

  • Pub/sub messaging
  • Presence tracking
  • Message persistence
  • Serverless Functions
  • File sharing
  • Encryption and access controls

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.

PubNub

  • Building realtime chat applicationsnot Stripe
  • Streaming live IoT sensor datanot Stripe
  • Adding presence indicators to collaborative appsnot Stripe
  • Running edge logic with serverless Functions on realtime eventsnot Stripe

Stripe

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

Where each one falls short

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

PubNub

  • Free plan storage history is limited to 7 days, which is short for apps needing longer message retention.
  • MAU-based pricing means costs scale directly with user growth, which can be less predictable than flat message-based pricing.
  • Pro-tier custom pricing above 50,000 MAU requires contacting sales rather than self-serve checkout.

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

PubNub

Free
  • FreeFree
    • Up to 200 MAU or 1M transactions
    • 1GB data storage (7 days)
    • 5 test Serverless Functions
  • Starter$98/month
    • 1,000 MAU included
    • User management
    • Insights
  • Pro$undefined/month
    • Custom MAU packages
    • Volume discounts
    • Enterprise-scale configurations

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose PubNub if

  • You need pub/sub messaging.
  • You want to start without paying.
  • You work on web, ios, android, api.
  • You also want presence tracking.
PubNub 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 PubNub or Stripe better?
Neither clearly leads. PubNub 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, PubNub or Stripe?
PubNub starts at Free and Stripe at Free.
Does PubNub or Stripe run on more platforms?
PubNub runs on web, ios, android, api. Stripe runs on Web, iOS, Android.
Can I use PubNub for free?
Both have a free tier, so you can try either at no cost before committing.
What is PubNub best used for?
PubNub is most often used for building realtime chat applications, streaming live iot sensor data, adding presence indicators to collaborative apps, running edge logic with serverless functions on realtime events. Of those, building realtime chat applications and streaming live iot sensor data are not what Stripe is typically brought in for.
What can PubNub do that Stripe cannot?
PubNub covers Pub/sub messaging, Presence tracking, Message persistence, Serverless Functions. Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments).

Answered from the vendors’ own pages

PubNub: What does PubNub cost?

PubNub offers a free plan for up to 200 MAU or 1 million transactions, a Starter plan at $98/month for 1,000 MAU, and custom Pro pricing for larger volumes, e.g. around $550/month for 10,000 MAU.

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
PubNub: Is there a free plan, and what are its limits?

Yes, the free plan supports up to 200 monthly active users or 1 million transactions, includes 1GB of data storage retained for 7 days, and requires no credit card.

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
PubNub: How is usage metered?

PubNub bills primarily by Monthly Active Users, defined as a unique user who connects at least once in a billing cycle; messages are bundled into MAU pricing with no separate per-message fees, and overage is billed proportionally.

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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