TrustRadius: an HG Insights company

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Affirm

    Score8.4 out of 10
    N/AAffirm, headquartered in San Francisco, offers their dynamic payment system for ecommerce, supporting payments broken out into installments to accommodate shopper preference.N/A

    Stripe Payments

    Score8.5 out of 10
    N/AStripe is a payment gateway software solution which supports a range of payment related needs such as subscription management and recurrent billing via Stripe Billing, integration with third party payment services via the Stripe Connect API, assistance starting an Internet business which accepts payements via Stripe Atlas, fraud prevention via Stripe Radar, and payment analytics via Stripe Sigma. Additional features and modules include Stripe Issuing, which allows users to create,…

    $0.02

    per charge

    Pricing
    AffirmStripe Payments
    Editions & Modules
    No answers on this topic
    Sigma
    $0.02
    per charge
    Radar
    $0.05
    per screened transaction
    Issuing
    $0.10
    per virtual card
    Terminal
    2.7% + 0.05
    per successful charge
    Integrated
    2.9% + 0.30
    per successful charge
    Atlass
    $500
    one-time fee
    Premium Support
    1,800
    per month
    Customized
    Contact sales team
    Offerings
    Pricing Offerings
    AffirmStripe Payments
    Free Trial
    NoNo
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional Details——
    More Pricing Information
    Community Pulse
    AffirmStripe Payments
    Considered Both Products
    Affirm
    No answer on this topic
    Stripe
    Chose Stripe Payments
    We use PayPal to accept PayPal payments but their fee structure is not as advantageous as Stripe so we don't use them for card payments. What Stripe does, they do very well and short of finding another company that offers comparable services with fewer fees, I don't see a …
    Incentivized
    Chose Stripe Payments
    As mentioned, if you are selling on Shopify, I would go with Shopify Payments instead of Stripe. The main difference between the two are the fees. Stripe currently charges a 2.9% + $0.30 while Shopify Payments can drop to 2.4% + $.30 per order. Another difference is that Shopif…
    Incentivized
    Key User Insights
    Would buy again
    No answers on this topic
    88%
    Would buy again
    49 Answers
    Delivers good value for the price
    No answers on this topic
    91%
    Delivers good value for the price
    49 Answers
    Happy with the feature set
    No answers on this topic
    93%
    Happy with the feature set
    52 Answers
    Lived up to sales and marketing promises
    No answers on this topic
    86%
    Lived up to sales and marketing promises
    44 Answers
    Implementation went as expected
    No answers on this topic
    92%
    Implementation went as expected
    47 Answers
    Features
    AffirmStripe Payments
    Payment Gateways
    Comparison of Payment Gateways features of Affirm and Stripe Payments
    Feature
    Affirm
    -
    Ratings
    Stripe Payments
    7.8
    6 Ratings
    7% above category average
    Fraud Detection00 Ratings7.66 Ratings
    API or SDK00 Ratings7.46 Ratings
    Recurring Payment Support00 Ratings8.16 Ratings
    Billing and Invoicing Support00 Ratings7.66 Ratings
    Global Support00 Ratings7.75 Ratings
    Payment Form Acceptance00 Ratings8.55 Ratings
    Best Alternatives
    AffirmStripe Payments
    Small Businesses
    Wise
    Score9.5 out of 10
    Apple Pay
    Score9.3 out of 10
    Medium-sized Companies
    No answers on this topic
    Payoneer
    Score8.2 out of 10
    Enterprises
    No answers on this topic
    Checkout.com
    Score8.5 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    AffirmStripe Payments
    Likelihood to Recommend
    8.5
    (4 ratings)
    8.7
    (83 ratings)
    Likelihood to Renew
    -
    (0 ratings)
    10.0
    (3 ratings)
    Usability
    10.0
    (1 ratings)
    8.6
    (5 ratings)
    Support Rating
    -
    (0 ratings)
    10.0
    (16 ratings)
    Implementation Rating
    -
    (0 ratings)
    10.0
    (1 ratings)
    User Testimonials
    AffirmStripe Payments
    Likelihood to Recommend
    Affirm
    We use Affirm with a Woocommerce/Wordpress website and there is a plugin that integrates Affirm for us. We also use a payment method plugin that limits Affirms availability only to products that they support. Generally, we have had a good experience with integration and payments from Affirm to us are consistent and timely. People finance guitars, pedals, and amplifiers and it offers us a way to reach a customer base that may not otherwise purchase from us.
    Incentivized
    Read full review
    Stripe
    We had a client who wanted a QR to use in their marketing, which enabled their clients to donate to us. It was so useful to be able to set it up, and we can track the views and donations received using this code. Another client with issues with our website wanted to set up a monthly subscription, so I sent her a payment link, which worked brilliantly. For clients that want to make one-time donations, it also lets the client choose the amount. The only scenario where we haven't been able to help is when clients want to change the card associated with the payment - whilst we understand it is for security/gdpr, it means they have to cancel and set up something new, which poses the danger that we may lose them as a customer.
    Incentivized
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    Pros
    Affirm
    • Easy installation.
    • Great customer service.
    • Painless pay as you go software.
    Incentivized
    Read full review
    Stripe
    • They are reliable. I can count on everything going smoothly with transactions.
    • They are accurate. I don’t run into problems with collecting the proper amounts or being overcharged for fees.
    • They have good customer service. If I have a question about the customer portal or a problem with a customer, they help me resolve these issues.
    Incentivized
    Read full review
    Cons
    Affirm
    • We haven't had any issues as of yet, we are very happy with everything.
    Incentivized
    Read full review
    Stripe
    • It would be nice to be able to see my Shopify payments from my main payment gateway. I currently have to go to Shopify for that.
    • The ability to be able to offer discounted rates at a smaller threshold would be nice.
    Incentivized
    Read full review
    Likelihood to Renew
    Affirm
    No answers on this topic
    Stripe
    Stripe is the leader in the industry when it comes to any type of industry. All that is needed is a plan and then implementing that plan either with a developer, or through the help of Stripe's customer service team to assist in getting you setup. The ease of use time it takes to get up and running is second to none
    Incentivized
    Read full review
    Usability
    Affirm
    Easy to use, simple to integrate, especially if you are using Shopify Plus. Putting everything live and active was easy. We did have to do some simple HTML/CSS to make everything look the way that we wanted it to, but that was very easy and something that we did in house. If you can do some simple style work, you won't have any issues at all.
    Incentivized
    Read full review
    Stripe
    Stripe offers a very easy-to-navigate platform with many different functions. From linking it to our website and accounting platform to tracking our payments, being able to issue a refund quickly if required, and setting up QR codes and payment links for subscriptions or one-time donations, it really covers so many aspects that we need and use on a weekly and monthly basis.
    Incentivized
    Read full review
    Support Rating
    Affirm
    No answers on this topic
    Stripe
    Stripe's support is nearly perfect – great attention to detail, fast response times, and a willingness to really dig into issues and get to the bottom of them. In the five years we've been using Stripe, the only negative thing I can say about their customer support is that it seems like there has been a slight shift to less technical front-line support agents, which means it's more likely your issue will have to be escalated before you get more information. This, however, has happened as Stripe rolled out more real-time support features like call and chat, and that really isn't workable if you're escalating everything right off the bat. It's absolutely an acceptable trade-off.
    Incentivized
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    Implementation Rating
    Affirm
    No answers on this topic
    Stripe
    It took less than an hour to have everything setup and running
    Incentivized
    Read full review
    Alternatives Considered
    Affirm
    We have not used any payment plans before, this was the first for the company.
    Incentivized
    Read full review
    Stripe
    Stripe is easier to use and offers better support and rates. My favorite part with Stripe is probably their ready-to-use plug-in that's offered for me. We have multiple eCommerce stores and we rely on our payment process going smoothly. The plug-in from Stripe is free, constantly updated, secure, and very easy to implement.
    Incentivized
    Read full review
    Return on Investment
    Affirm
    • Higher average order value.
    • Mores sales.
    • Better user experience.
    Incentivized
    Read full review
    Stripe
    • It makes getting money from your clients really easy
    • It gives your clients the guarantee that their payment information is totally secure and confidentially used and kept
    • It is very easy to integrate with online assets of the company
    • In a couple of occasions, some companies have wanted me to use Stripe for them to pay me, and I have had a couple of hiccups. This was more related to the way that these companies set up the Stripe integration of my account to their platform. In both cases, the integration has not been possible and to this date, I still do not know why with exactitude.
    • As I said before, the commissions kept by Stripe could be lower, and shared with the CC companies, rather than having us clients pay for all of o it.
    Incentivized
    Read full review
    ScreenShots