Staxly

Stripe vs Convex

Payments, subscriptions, fraud protection, and financial infrastructure
vs. The reactive database where queries are TypeScript code

Stripe websiteConvex website

Pricing tiers

Stripe

Payments (Pay-as-you-go)
Default pricing: 2.9% + 30¢ per domestic card transaction. No setup/monthly fees.
$0 base (usage-based)
Billing (Pay-as-you-go)
0.7% of billing volume (on top of payment fees). Stripe-hosted subscription + invoice management.
$0 base (usage-based)
Billing (Monthly plan)
Starting $620/month with 1-year contract. Discount on high volumes.
$620/mo
Enterprise / Custom
Volume discounts + IC+ pricing (interchange-plus) available at scale.
Custom
Stripe website

Convex

Starter (Free)
Free with overage via usage-based billing. Great for prototypes.
Free
Professional
$25/developer/month. Overage: $2/M function calls. Daily backups, email support, custom domains.
$25/mo
Business / Enterprise
From $2,500/month. SAML/SSO, SLA, dedicated deployments, Slack Connect support.
$2500/mo
Convex website

Free-tier quotas head-to-head

Comparing payments-payg on Stripe vs starter on Convex.

MetricStripeConvex
db storage gb0.5 GB
deployments40 deployments
egress gb month1 GB/month
file storage gb1 GB
function calls month1000000 calls/month
team members6 users

Features

Stripe · 17 features

  • AtlasIncorporate a US Delaware C-Corp in minutes.
  • Billing (Subscriptions)Recurring invoices, trials, proration, metered billing, tax-included.
  • ClimateRoute % of revenue to carbon removal.
  • ConnectMulti-party payments for marketplaces/platforms. Express, Custom, Standard accou
  • Data PipelineNightly sync of Stripe data to your warehouse (Snowflake, Redshift, BigQuery, S3
  • IdentityDocument + selfie verification for KYC.
  • InvoicingOne-off invoices with hosted pages + reminders.
  • IssuingIssue virtual/physical cards programmatically.
  • PaymentsCore card + wallet (Apple Pay, Google Pay, Link) + bank payment processing.
  • Radar (Fraud)ML-based fraud detection. Teams tier for custom rules.
  • SigmaSQL analytics over your Stripe data.
  • Stripe CheckoutHosted prebuilt checkout page. Zero UI work.
  • Stripe ElementsPre-styled UI components for custom checkout flows.
  • Stripe TaxAuto-calc sales tax, VAT, GST across jurisdictions + reporting.
  • Terminal (In-Person)Card readers + SDKs for POS and mobile payments.
  • TreasuryEmbedded banking — accounts, ACH, issuing cards via platform.
  • WebhooksEvent notifications for all resource changes. Signed with webhook secret.

Convex · 18 features

  • ActionsNon-deterministic functions for external I/O (fetch, AI APIs, email). Cannot rea
  • AuthenticationConvex Auth (built-in) or BYO provider (Clerk, Auth0, Kinde, WorkOS). ID tokens
  • Convex AgentsAI agent framework with durable memory, threads, tool use. Works with OpenAI / A
  • Convex AuthFirst-party auth library: passwords, magic links, OAuth, phone — stored in your
  • Convex ComponentsReusable backend modules (rate limiter, workflow, aggregate, action-retrier, etc
  • Cron JobsRecurring schedules defined in convex/crons.ts. UTC, cron-style patterns.
  • Durable WorkflowsLong-running multi-step workflows with retries and at-least-once guarantees.
  • Exception ReportingAuto-capture errors to Sentry, Axiom, Datadog.
  • File StorageUpload/download via storage API. Returns storage IDs referenced in documents.
  • Full-Text SearchBM25 search index on table fields. withSearchIndex query helper.
  • HTTP ActionsExpose public HTTP endpoints for webhooks, OAuth callbacks, third-party integrat
  • Log StreamsStream function logs to Axiom, Datadog, Sentry. Pro+.
  • MutationsTransactional write functions. All reads + writes in one mutation are ACID; conf
  • Preview DeploymentsEvery Git branch gets its own isolated deployment. Integrates with Vercel/Netlif
  • QueriesDeterministic read-only TS functions. Automatically cached and re-run when under
  • Real-Time SubscriptionsuseQuery auto-subscribes; server invalidates when data a query read changes. No
  • Schedulerschedule.after / schedule.at — enqueue functions to run later. Durable, survives
  • Vector SearchNative vector index on tables. withIndex + filter fields. Up to 4096 dims.

Developer interfaces

KindStripeConvex
CLIStripe CLIConvex CLI
SDKstripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-rubyAndroid / Kotlin Client, iOS / Swift Client, JavaScript/TypeScript Client, Next.js Integration, Python Client, React Client (useQuery), Rust Client, Svelte Client, Vue Client
RESTStripe REST APIDeploy / Dashboard API, HTTP Actions
MCPStripe MCP
OTHERWebhook EventsWebSocket Subscriptions
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