Comparison
Enterprise Pay Gateway vs Stripe on its own
Stripe is the processor in both cases — we build on Stripe Connect. Use Stripe directly if you have developers and unusual requirements. Use Enterprise Pay Gateway if you want a storefront, checkout links, recurring billing, invoicing, team access and reporting running today, without writing code.
Last updated 9 September 2026
This is not a processing comparison: your payments run through Stripe either way, at Stripe's rates, in your own account. The comparison is about who builds and maintains everything around the payment.
Feature by feature
What you get out of the box with each, side by side.
Your own merchant account
Payments settle in an account in your business name, not an aggregator's.
Hosted checkout links per product
A permanent, shareable pay page for anything you sell.
Public storefront page
A ready-made page listing everything you sell, no website needed.
Memberships and recurring billing
Monthly or yearly plans with saved cards and automatic retries.
Invoicing with bank debit (ACH)
Send an invoice with a pay button and take low-cost bank payments.
Staff logins with their own access
Invite your team instead of sharing one password.
Multi-location reporting
Compare revenue site by site.
Dispute tracking with deadlines
Reason, amount at risk, countdown, evidence checklist and private notes.
Payout and fee reports with CSV export
Every payout itemised against the fees deducted from it.
Import your catalogue
CSV, Shopify, Square or WooCommerce, read-only sync.
Transparent, separated fees
Subscription, platform fee and processing shown apart, never blended.
Already on Stripe on its own? You can switch without losing your catalogue — import by CSV or sync it across.
| Enterprise Pay Gateway | Stripe on its own | |
|---|---|---|
| Who processes the card | Stripe | Stripe |
| Processing rates | Stripe's, billed to you | Stripe's, billed to you |
| Time to first payment | Same day | Days to weeks of build work |
| Engineering needed | None | Ongoing |
| Hosted storefront | Included | Build it |
| Checkout links | Included | Build or use Payment Links |
| Recurring billing UI | Included | Build it |
| Invoicing with ACH | Included | Build it or use the dashboard manually |
| Team access and roles | Included | Stripe dashboard roles only |
| Multi-location reporting | Included | Build it |
| Cost of the software | $49–$499/mo + 0.20%–0.75% | Your engineering time |
Choose Enterprise Pay Gateway when
- You have no developers, or you would rather point them at your actual product
- You want a storefront, links, invoices and subscriptions working this week
- You want revenue reporting and CSV exports without building a data pipeline
Choose Stripe on its own when
- You have engineers with Stripe experience and specific flows to build
- Your payment logic is unusual enough that no off-the-shelf layer fits
- You process enough that a percentage-based platform fee is material
Common questions
- Does Enterprise Pay Gateway add a fee on top of Stripe?
- Yes — a platform fee of 0.20% to 0.75% depending on plan, plus the monthly software fee. Stripe's own processing rates are unchanged and billed to your account.
- Who owns the Stripe account?
- You do. Onboarding creates a Stripe account in your business's name, and you can open the Stripe dashboard for it at any time from your dashboard.
- Can I leave later and keep taking payments?
- Yes. The Stripe account, the customers and the payment history are yours. Cancelling stops the software, not your ability to process.
What would we cost you?
Move the slider to your monthly card volume. Stripe keeps billing you its own processing rates directly — this is only what Enterprise Pay Gateway adds on top.
$15,000
Recommended plan
Starter
- Subscription
- $49 / mo
- Platform fee (0.75%)
- $113 / mo
- Total added by us
- $162 / mo
- Effective rate on volume
- 1.08%
Stripe's processing fees are separate and billed to you by Stripe under your own account.
Other comparisons
Third-party pricing and features are typical published figures and change often — verify with each provider before deciding. Our own figures come from the pricing page.