Stripe vs Sage Pay: An in-depth comparison

If you’re looking to stay one step ahead in the game of eCommerce. One of the quickest ways is to get yourself more payment gateways. Currently, Stripe and SagePay are among the best payment gateway solutions for your business.

In this article, we will demonstrate a three-dimensional comparison between Stripe and Sage Pay. Hence, you can take a look and determine which would be better for your business size and needs. 

Here are the key areas we will discuss:

  • What is Payment Gateway Software?
  • When might we need a payment platform?
  • An in-depth comparison between Stripe and Sage Pay
  • Features – what do these solutions offer for your business?
  • Pricing – how can we get some money-saving when using them?
  • Ease of use – can you simply integrate them into your business?

What is Payment Gateway Software?

A payment gateway is a software application that connects eCommerce websites to a bank (or a merchant account) to process online payments and transmit sensitive credit/debit card information securely.

Choosing the best payment gateway for your business is extremely essential, but you have to ensure that it would be compatible with your website. 

There are 3 common types of gateway integration:

Highly consistent customer experience: A form filled out on your own website, where data is transmitted through the payment gateway

High data-wise security, but the disruptive customer experience: A redirect to the payment gateway, a distinct website where customers fill out the information 

A pleasing medium, but security precautions or visual compromises are made: A form powered by the payment vendor to collect data on your website, but link directly into the payment vendor’s server 

When do you need a payment platform?

Targeted Businesses:

  • E-commerce stores make the use of a payment gateway to receive payments from customers who purchase their goods online.
  • Small and large businesses, which own an online presence and make sales on the internet, utilize a gateway for secure payment services.

So, a payment gateway is designed for your business if you are looking for a platform to establish an online store or transfer your current business to online sales. When setting up an e-commerce website, you have to solve your payment methods to bring customers the correct payment options.

Meanwhile, there are a variety of variables for you to consider. For example, whether or not you provide enough payment options required by customers, or can you run payment software by yourself or hiring a professional developer? 

But, don’t worry! Fortunately, Stripe and Sage Pay will make your payment quicker and easier for the audience while satisfying all of your needs as well.

An in-depth comparison between Stripe and Sage Pay

Why is a comparison between these two payment platforms instead of other solutions? Well, in 2017, Stripe was ranked as No.1 in Forbes’ Cloud 100, a list of top 100 companies engaged in cloud computing. And, Sage Pay is one of the top-rated payment gateway software in the world. Both platforms have persuaded hundreds of thousands of firms in the world to believe and use them.

Payment Platform Features


You can’t go wrong with choosing Stripe seeing that this platform does a lot of things you would expect. Stripe provides your business with the technical, fraud prevention, and banking infrastructure required to operate online payment systems.

Secondly, it accepts the major credit cards and debit cards while also accepting some obscure forms of payment like AliPay, Android Pay, Apple Pay, Bitcoin, and ACH.

Thirdly, Stripe is often commended for its amazingly flexible APIs, which is one of the elements that gave them an early edge over competitors like Paypal. You can choose Great API integrations with pandaDoc, FirstPromoter, Slack and other platforms.

Besides, Stripe offers payment services for a wide range of businesses all over the world by Stripe Atlas. If your company is outside the US, it enables you to incorporate as a US business and offer you a digital US bank account. And, you can build and manage all aspects of your payment with other extensions including Stripe Billing, Connect, or Radar.

Sage Pay

Firstly, Sage Pay benefits your business from competitive transaction rates to a quick settlement from online to in-store. With no hidden fees or contract and free advanced fraud screening tools included as standard, it’s easy for businesses to take payments.

Secondly, Sage Pay also gives your customers more payment choices with Contactless, Apple Pay, Online, Phone and even more great payment options.

Thirdly, in terms of security, Sage Pay has its PCI DSS Level 1 certificate.

It also powers any subscription model with robust features to reduce churn including industry-leading security, 24/7 UK based support, and fraud screening tools.



Simple and transparent pricing always helps you know what you’ll pay. Instead of a monthly fee for their service, Stripe allows you to pay per successful card charge of 2.9% + $0.30 for credit/debit cards, and +1% for international cards. This fee system guarantees that you won’t have to pay a dime if your sales are not existent, and this pricing model is increasingly prevalent across payment vendors.

More importantly, when you process a large volume of payment, small margins instantly add up. This is one of the pricing factors which gives them an early edge over competitors like Sage Pay.

If you are going to start a new business, The Stripe Atlas package that costs a flat rate of $500 with additional costs for extra services is for you:

Sage Pay

Sage Pay provides you with three types of monthly pricing: Flex at £19.90/month, Plus at £45/month and Corporate with bespoke pricing. With each price, a detail of the number of transactions per month and the additional features are shown, so you can easily choose the right service for your eCommerce business.

Additionally, to accept different payment types such as Visa, MasterCard or American Express, you will need one or multiple merchant accounts (merchant IDs). ​You can apply for merchant accounts directly through Sage Pay or get your own merchant accounts from another merchant acquiring the bank.  

Besides, if Visa, MasterCard, American Express, JCB, Diners Club or Discover cards are your main payment cards, you can look at the following pricing table: 

However, Sage Pay applies different pricing depending on the number of your monthly sales for Paypal: 

Ease of use


Here are some appealing points Stripe brings to you:

  • Easy to integrate and use within e-commerce platforms
  • A very intuitive and user-friendly interface
  • Flexibly integrate with other tools like WordPress
  • Effectively find donors or clients

Furthermore, Stripe Atlas service is possibly the easiest method to start with for a US corporation and for a non-US one. Other additional services like Sigma, which is an active tool to help you track your data, and Relay, which allows you sell other people’s products through your app, bring business owners the capability to understand and expand their business.

Stripe has integrations for:

Sage Pay

How SagePay has satisfied every business: 

  • Sage Pay posts payments directly to your cash accounts 
  • If you use a Sage accounting product, integrating is easy and seamless.
  • Keeps all card numbers remotely to help you not to worry about storing customers’ card data.
  • Offers API for integrating into multiple web platforms and extensive reporting capabilities through the secure web portal.


From this article, we believe you can get the reasons why Stripe and SagePay are among the best and most used eCommerce payments for businesses.

Overall, there are little different in terms of their function as a complete payment gateway solution for your business. Choosing one for you comes down to how each of them should benefit your business model and locale.

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