Merchly vs. Stripe
Merchly vs. Stripe for merchants outside Stripe's risk appetite.
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.
| Category | 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. |
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.