4 criteria
The short version
Stripe is a developer-first payment platform built for mainstream online businesses. Merchly serves the same online checkout use case for merchants in industries Stripe's restricted business list excludes.
Side by sideLast reviewed August 2026
How Merchly and Stripe differ.
| Criteria | Merchly | Stripe |
|---|---|---|
| High-risk & regulated industries | Dedicated underwriting relationships for high-risk online sellers. | Restricted business list excludes or limits many high-risk categories. |
| Pricing model | Interchange-plus pricing, disclosed and itemized. | Flat, published per-transaction rate. |
| Integration | Gateway integrations for existing carts, plus API access via partner gateways. | Developer-first API and prebuilt checkout components. |
| Support model | Dedicated account manager familiar with your business. | Primarily self-serve documentation and ticket-based support. |
High-risk & regulated industries
- Merchly
- Dedicated underwriting relationships for high-risk online sellers.
- Stripe
- Restricted business list excludes or limits many high-risk categories.
Pricing model
- Merchly
- Interchange-plus pricing, disclosed and itemized.
- Stripe
- Flat, published per-transaction rate.
Integration
- Merchly
- Gateway integrations for existing carts, plus API access via partner gateways.
- Stripe
- Developer-first API and prebuilt checkout components.
Support model
- Merchly
- Dedicated account manager familiar with your business.
- Stripe
- Primarily self-serve documentation and ticket-based support.
This comparison reflects general, publicly documented policies as of the time of writing and is not exhaustive or a substitute for each provider's current terms. Confirm details directly with Stripe before making a decision.
Other comparisons
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