Supported countries;Shopify Payments is currently available in 17 countries. link=https://help.shopify.com/en/manual/payments/shopify-payments/shopify-payments-requirements.;At the moment Stripe is available in 46 countries, which is 4 countries more compared to the previous year. link=https://stripe.com/global
Collaboration with Shopify;A built-in solution. No extra fees.;A third-party solution. 2% extra Shopify fee (if connected to the default checkout).
Payment types;Shopify Payments accepts all widely used debit cards, credit cards, and e-wallets. It covers most of the common requests but is still shorter than Stripe’s. link=https://help.shopify.com/en/manual/payments/shopify-payments/setting-up-shopify-payments#accepting-payments;Stripe accepts all widely used debit and credit cards, allows users to pay with e-wallets, bank debits, transfers, and redirects. Also, depending on the region, Stripe offers a lot of extra options. link=https://stripe.com/img/v3/payments/apm_guide/payment_methods_chart_fa.png
Transaction fees;The fee is always 30¢ plus the % depending on Shopify’s monthly plan chosen. The more you pay for the plan the smaller fee you pay per transaction. Here are some numbers: Basic: 2.9% + 30 cents. Regular: 2.6% + 30 cents. Advanced: 2.4% + 30 cents.;The story here is almost the same. You pay 2.9% + 30¢ by default. You can also contact Stripe’s sales department, discuss your needs, and create a personal plan. Default: 2.9% + 30 cents. Personal: custom plan.
Supported currencies;Shopify Payments naturally limits to the currencies of the countries it’s available in. link=https://help.shopify.com/en/manual/payments/shopify-payments/selling-and-getting-paid-in-different-currencies#supported-currencies;Stripe processes transactions in 135+ currency options. link=https://stripe.com/docs/currencies
Payout time;2 days for the US and Australia, 4 days for Italy, Singapore, and Sweden, and 2 days for all the other supported countries.;2 days for the US and Australia, 4 days for Indonesia and New Zealand, 5 days for India and Malaysia, 7 days for the rest of the world (Brazil - 30 days).
Chargebacks handling;Shopify provides you with a guide about chargeback resolving. link=https://help.shopify.com/en/manual/payments/chargebacks;Stripe offers Chargeback Protection to prevent unreasonable disputes and chargeback fees. It costs 0.4% per transaction.
Prohibited businesses;Financial and professional services, illegal products and services, high-risk businesses, unfair, predatory, or deceptive practices, drug paraphernalia. The full list is available here. link=https://help.shopify.com/en/manual/payments/shopify-payments/shopify-payments-requirements#prohibited-businesses;Financial and professional services, illegal products and services, unfair, predatory, or deceptive practices. Here is Stripe’s full restrictions list. link=https://stripe.com/restricted-businesses
Anti-fraud protection;Shopify offers manual review and a Fraud Filter app to filter and block users that are constantly trying to submit fraudulent orders.;Stripe provides a built-in Stripe Radar technology. Using machine learning, it analyzes the data of millions of companies and helps to determine fraudulent attempts. According to Michael Manapat, Stripe’s engineering manager, Radar has halted $ 4B in fraud during the first two years of its existence. link=https://techcrunch.com/2018/04/18/stripe-debuts-radar-anti-fraud-ai-tools-for-big-businesses-says-it-has-halted-4b-in-fraud-to-date/
Customization & integration;Shopify Payments is a great ready-to-go solution. On the other hand, it lacks customization options. So... what you see is what you’ve got.;Stripe is, perhaps, the biggest worldwide payment gateway. Thanks to great documentation, it can be easily customized and integrated into almost any custom web store.