GetPayment vs Stripe
Why high-volume ecommerce merchants switch from Stripe to GetPayment for better rates, higher authorization, and dedicated support.
GetPayment Advantages
- Higher authorization rates (96-98% vs Stripe's 92-95%)
- Transparent interchange-plus pricing with real savings
- Accepts merchants with chargebacks 3%+ (Stripe restricts)
- Specializes in high-risk industries (CBD, Crypto, Forex, Adult)
- Dedicated account manager & 24/7 support
- Fast approval: 24-48 hours (dedicated underwriting vs Stripe's aggregated model)
- Multi-acquiring bank network for redundancy
- Custom rates based on your actual volume & risk
Stripe Strengths
- Instant account activation (no underwriting wait)
- Huge API ecosystem & library support
- Wide platform integrations (Shopify, WooCommerce, etc.)
- Best-in-class developer experience
- Suitable for low-risk, any-volume merchants
- No application process for most merchants
Detailed Feature Comparison
| Feature | GetPayment | Stripe | Winner |
|---|---|---|---|
| Authorization Rates | Higher avg 96-98% | Standard 92-95% | GetPayment |
| Pricing Model | Interchange-plus (transparent) | Flat 2.9% + 30¢ | Context |
| Monthly Volume | $50k+ recommended | All volumes | Context |
| High-Risk Support | CBD, Forex, Crypto, Adult, Gaming | Limited (restricted) | Context |
| Chargeback Ratio | Accepts 3%+ | Under 1% required | GetPayment |
| Application Time | 24-48 hours | Instant (manual review) | Context |
| Dedicated Support | Yes, 24/7 | Email support tier-based | GetPayment |
| Custom Rates | Yes, based on volume | No, fixed rates | GetPayment |
| Multi-Acquiring | Multiple banks for redundancy | Single processor | GetPayment |
| Webhook Reliability | 99.99% uptime SLA | Best effort | Context |
Data sources: Stripe official pricing (2.9% + 30¢), Visa/Mastercard interchange tables, GetPayment underwriting data from 1000+ merchants (2026)
GetPayment Pricing
Model
Interchange-plus
Example Rates
1.5-2.5% + $0.15
$500k/month processing
Est. $7,500-12,500
vs Stripe: ~$14,500
✓ Savings: ~$2k-7k/month
Stripe Pricing
Model
Flat Rate
Standard Rate
2.9% + $0.30
$500k/month processing
~$14,500
(Fixed, no negotiation)
Volume discounts available (inquiry)
Choose GetPayment If:
- Processing $50k+ monthly
- In high-risk industry (CBD, Crypto, Forex, Adult, etc.)
- Current chargeback ratio above 1%
- Want transparent, negotiable rates
- Need dedicated support & account management
- Want faster approval (24-48 hours)
- Prioritize authorization rate optimization
Choose Stripe If:
- Processing under $50k monthly
- Low-risk ecommerce (books, clothing, etc.)
- Need instant account activation
- Want best-in-class developer experience
- Chargeback ratio under 1%
- Need maximum platform integrations
- Prefer all-in-one payment solution
Already on Stripe? We Make It Easy
Migrate to GetPayment in 5 days with zero downtime. Our team handles everything—API setup, webhooks, settlement configuration.
Underwriting (24-48h)
Technical Setup
Testing & Staging
Go Live
People Also Ask
Can I switch from Stripe to GetPayment without interrupting payments?
Yes. Our zero-downtime migration takes 5 days. You can keep processing on Stripe throughout the entire process. We handle API integration, webhook setup, and testing before you go live. See our detailed migration guide for a step-by-step timeline.
Is GetPayment GDPR and PCI-DSS compliant like Stripe?
Yes. GetPayment is PCI-DSS Level 1 certified and fully GDPR compliant. Data handling and security standards are identical or exceed Stripe's. See our security certifications for full details.
Why does GetPayment approve merchants that Stripe rejects?
GetPayment partners with 30+ acquiring banks and has specialized expertise in high-risk industries. Stripe's automated system restricts entire categories (CBD, forex, adult). We manually underwrite each application and match you with a bank willing to take your risk profile. Our 97% approval rate for eligible applicants reflects this specialization.
How much will I actually save switching from Stripe to GetPayment?
Example calculation for $500k/month: Stripe charges 2.9% + $0.30 per transaction = ~$14,500/month. GetPayment's interchange-plus model (avg 2.2%) = ~$11,000/month. Savings: $3,500/month or $42,000/year. Actual savings depend on your card mix, industry, and negotiated rates. Get a free fee audit for your exact numbers.
Common Questions
Will my customers notice any change?
No. The customer experience remains identical—same checkout, same transaction flow. Only your backend processing changes.
Do you support Stripe integrations like Shopify or WooCommerce?
Yes. GetPayment works with Shopify, WooCommerce, BigCommerce, Magento, and custom platforms. We support Stripe-compatible webhooks.
What if I'm declined by GetPayment?
Rare, but if underwriting rejects your application, there's no fee. We'll explain the reason and you can reapply after 90 days.
Can I keep using Stripe's tooling?
Many tools work with both—GetPayment supports Stripe-compatible APIs. Your PCI compliance setup remains similar.
What's the contract length?
No long-term contract required. Month-to-month, cancel anytime. We earn your business daily.
Ready to Lower Your Processing Costs?
Get a custom rate quote tailored to your volume and risk profile. Most high-volume merchants save $2k-10k/month.