Stripe vs Fly.io
Payments, subscriptions, fraud protection, and financial infrastructure
vs. Run your app close to users, globally
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
Fly.io
Pay-as-you-go
No monthly fee. Machines billed per second. Free allocations: ~3 small shared machines + 3 GB volumes.
$0 base (usage-based)
Shared CPU 1x — 256 MB
Entry VM. 1 shared vCPU, 256 MB RAM. ~$2.02/month continuously on.
$2/mo
Performance 1x — 2 GB
Dedicated 1 vCPU, 2 GB RAM.
$32/mo
Reservation — Shared (1 yr)
$36/year for $5/mo credit (40% savings).
$36/mo
Shared CPU 8x — 16 GB
8 shared vCPU, 16 GB RAM.
$89/mo
Performance 16x — 128 GB
Dedicated 16 vCPU, 128 GB RAM.
$1014/mo
Enterprise
Custom. Dedicated capacity, SLA.
Custom
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs pay-as-you-go on Fly.io.
| Metric | Stripe | Fly.io |
|---|---|---|
| No overlapping quota metrics for these tiers. | ||
Features
Stripe · 17 features
- Atlas — Incorporate a US Delaware C-Corp in minutes.
- Billing (Subscriptions) — Recurring invoices, trials, proration, metered billing, tax-included.
- Climate — Route % of revenue to carbon removal.
- Connect — Multi-party payments for marketplaces/platforms. Express, Custom, Standard accou…
- Data Pipeline — Nightly sync of Stripe data to your warehouse (Snowflake, Redshift, BigQuery, S3…
- Identity — Document + selfie verification for KYC.
- Invoicing — One-off invoices with hosted pages + reminders.
- Issuing — Issue virtual/physical cards programmatically.
- Payments — Core card + wallet (Apple Pay, Google Pay, Link) + bank payment processing.
- Radar (Fraud) — ML-based fraud detection. Teams tier for custom rules.
- Sigma — SQL analytics over your Stripe data.
- Stripe Checkout — Hosted prebuilt checkout page. Zero UI work.
- Stripe Elements — Pre-styled UI components for custom checkout flows.
- Stripe Tax — Auto-calc sales tax, VAT, GST across jurisdictions + reporting.
- Terminal (In-Person) — Card readers + SDKs for POS and mobile payments.
- Treasury — Embedded banking — accounts, ACH, issuing cards via platform.
- Webhooks — Event notifications for all resource changes. Signed with webhook secret.
Fly.io · 14 features
- Auto Stop/Start — Machines auto-stop when idle, start on request (like scale-to-zero).
- Certs — Let's Encrypt + wildcard certs managed.
- Fly GPU — A100/L40S/A10 on-demand GPU machines.
- Fly Kubernetes (FKS) — Managed Kubernetes on Fly machines.
- Fly Machines — Firecracker microVMs. Start in <1s. Run any Docker image.
- Fly Postgres — Managed Postgres via Supabase partnership (2024). Also legacy self-run Postgres …
- fly-replay headers — Route request to another region at app level.
- Fly Volumes — Persistent SSD attached to a Machine. Encrypted at rest.
- Global Anycast — Single IP routes to the closest region automatically.
- LiteFS — Distributed SQLite with primary/replica across regions.
- Private Networks — 6PN WireGuard mesh. Connect machines across regions privately.
- Secrets — Encrypted env vars propagated to all regions.
- Tigris (partner) — S3-compatible storage for Fly apps. By partner.
- Upstash Redis (partner) — Managed Redis via Upstash.
Developer interfaces
| Kind | Stripe | Fly.io |
|---|---|---|
| CLI | Stripe CLI | flyctl CLI |
| SDK | stripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-ruby | — |
| REST | Stripe REST API | Machines API |
| GRAPHQL | — | Fly GraphQL API |
| MCP | Stripe MCP | — |
| OTHER | Webhook Events | Fly Postgres (wire) |
Staxly is an independent catalog of developer platforms. Outbound links to Stripe and Fly.io are plain references to their official websites. Pricing is verified against vendor pages at publication time — reconfirm before buying.
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