Stripe vs Kinde
Payments, subscriptions, fraud protection, and financial infrastructure
vs. Flexible authentication, user management, and feature flags
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
Kinde
Free
10,500 MAU included. MFA, B2B orgs, custom domain, 2 custom roles, 1 webhook, 2 environments.
Free
Pro
Unlimited webhooks, roles, feature flags, API keys. Remove Kinde branding. SOC 2 attestation.
$25/mo
Plus
Unlimited enterprise SSO, API scopes, org-owned M2M apps, 6 environments.
$75/mo
Scale
11 environments, custom domain per org, SCIM, MFA triggers, 30-day audit logs.
$250/mo
Enterprise
Custom. Dedicated infra option, volume discounts, custom SLAs.
Custom
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs free on Kinde.
| Metric | Stripe | Kinde |
|---|---|---|
| custom roles | — | 2 roles |
| environments | — | 2 envs |
| feature flags | — | 10 flags |
| mau included | — | 10500 users/month |
| webhooks | — | 1 webhooks |
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.
Kinde · 14 features
- API Scopes — OAuth scopes for your APIs, enforced server-side (Plus+).
- B2B Organizations — Multi-tenant orgs with user roles, invitations, feature flags per org.
- Custom Domain — Host auth at auth.yourbrand.com. Free tier includes this.
- Enterprise SSO — SAML 2.0 + OIDC enterprise connections (Plus unlimited).
- Feature Flags — Built-in feature flags with per-user/org overrides. No separate service needed.
- Kinde AI — AI-assisted query and insights over your Kinde data.
- Kinde Billing (preview) — Built-in subscription billing linked to users/orgs. Stripe under the hood.
- Machine-to-Machine — Client credentials grant for service-to-service auth.
- Multi-Factor Auth — TOTP authenticator apps, SMS, email, passkey.
- Passwordless — Email code + passkey (WebAuthn).
- Roles & Permissions — RBAC with roles → permissions. Assigned per user or per organization.
- SCIM Provisioning — Directory provisioning from IdPs (Scale tier).
- Sign-in Widget — Hosted pages + themeable widget for login/signup. Customizable with CSS.
- Webhooks — Event webhooks: user.created/updated, organization events, MFA, etc.
Developer interfaces
| Kind | Stripe | Kinde |
|---|---|---|
| CLI | Stripe CLI | — |
| SDK | stripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-ruby | Kinde Android / Kotlin, Kinde Flutter SDK, Kinde Go SDK, Kinde iOS / Swift, @kinde-oss/kinde-auth-nextjs, @kinde-oss/kinde-auth-react, @kinde-oss/kinde-nodejs-sdk, Kinde Python SDK |
| REST | Stripe REST API | Kinde Management API |
| MCP | Stripe MCP | Kinde MCP |
| OTHER | Webhook Events | — |
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