Stripe vs Knock
Payments, subscriptions, fraud protection, and financial infrastructure
vs. Notifications-as-a-service: in-app feeds, email, push, SMS, chat via one API
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
Knock
Developer
Free forever. 10K messages, 500 guide users, 500 AI credits/month.
$0 base (usage-based)
Starter
$250/mo. 50K messages, 2.5K guide users, 2K AI credits. Remove branding.
$250/mo
Enterprise
Custom pricing. White-label, i18n, data warehouse, Datadog, SCIM, SAML, HIPAA/BAA.
Custom
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs starter on Knock.
| Metric | Stripe | Knock |
|---|---|---|
| guide users | — | 2500 users |
| guide users overage | — | $0.05/user USD/user |
| messages monthly | — | 50000 messages/mo |
| messages overage | — | $0.005/message USD/message |
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.
Knock · 13 features
- AI Agents — Autonomous notification drafting & workflow generation.
- Batch + Digest — Group notifications into digests on schedule or window.
- Chat — Slack, Microsoft Teams, Discord.
- Email — Send via SendGrid/Postmark/Resend/Mailgun/AWS SES as relays.
- Guides — In-product messaging, announcements, modals, banners.
- i18n / Localization — Translate templates by user locale.
- In-App Feed — Notification inbox with React/Vue/iOS/Android drop-in components.
- Multi-tenancy — Per-tenant branding, preferences, quiet hours.
- Outbound Webhooks — Subscribe to delivery events.
- Preferences — User + tenant preference center with granular controls.
- Push — iOS (APNs), Android (FCM), Expo, Web Push.
- SMS — Twilio, MessageBird, Telnyx, Vonage as providers.
- Workflows — Visual notification orchestration (branch, batch, delay, throttle).
Developer interfaces
| Kind | Stripe | Knock |
|---|---|---|
| CLI | Stripe CLI | Knock CLI |
| SDK | stripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-ruby | knockapi (Python), knockapi (Ruby), knock-elixir, knock-go, knock-java, @knocklabs/node, @knocklabs/react |
| REST | Stripe REST API | Knock REST API |
| MCP | Stripe MCP | Knock MCP Server |
| OTHER | Webhook Events | Outbound Webhooks |
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