Stripe vs Medusa
Payments, subscriptions, fraud protection, and financial infrastructure
vs. Open-source commerce engine — build custom storefronts with Next.js + Node
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
Medusa
OSS (self-host)
$0. MIT license. Run Medusa backend + admin on your infra.
$0 base (usage-based)
Medusa Cloud Free
$0. Hobby projects. Shared infra. Community support.
Free
Medusa Cloud Pro
$99/mo. Production support. Dedicated DB. Priority.
$99/mo
Enterprise
Custom. SSO, SLA, dedicated cluster, PCI.
Custom
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs oss on Medusa.
| Metric | Stripe | Medusa |
|---|---|---|
| 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.
Medusa · 16 features
- Admin Dashboard — React-based admin UI.
- Auth — Customer + admin auth with JWT.
- Cart — Multi-region carts with tax/pricing logic.
- Checkout — Multi-step checkout flow.
- Customers + Groups — Customer records + B2B groups.
- Dynamic Pricing — Price lists, rules, customer-specific.
- Event Bus — Async events via Redis / RabbitMQ.
- File Service — Pluggable storage (S3, local).
- Gift Cards — Native gift-card support.
- Inventory + Multi-warehouse — Stock tracking across locations.
- Next.js Starter — Production-ready Next.js storefront.
- Orders + Fulfillment — Full order lifecycle (edits, returns, exchanges).
- Products + Variants — Products with options, variants, images.
- Promotions + Discounts — Rule-based promos, campaigns.
- Tax Providers — Pluggable tax calculation.
- Workflows Engine — Durable saga-style business logic.
Developer interfaces
| Kind | Stripe | Medusa |
|---|---|---|
| CLI | Stripe CLI | medusa CLI |
| SDK | stripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-ruby | @medusajs/js-sdk |
| REST | Stripe REST API | Medusa Admin API, Medusa Store API |
| MCP | Stripe MCP | Medusa MCP |
| OTHER | Webhook Events | Medusa Admin UI, Next.js Starter |
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