Stripe vs Neon
Payments, subscriptions, fraud protection, and financial infrastructure
vs. Serverless Postgres with branching and bottomless storage
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
Neon
Free
100 projects, 0.5 GB storage + 100 CU-hours each. Great for prototypes and preview envs.
Free
Launch
Usage-based, no minimum. Small production workloads. $0.35/GB-month storage, $0.106/CU-hour.
$0 base (usage-based)
Scale
Usage-based, higher compute tier + faster instances ($0.222/CU-hour). Up to 30-day PITR, 1,000 projects.
$0 base (usage-based)
Business
Usage-based with 99.95% SLA, HIPAA available. Private networking $0.01/GB.
$0 base (usage-based)
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs free on Neon.
| Metric | Stripe | Neon |
|---|---|---|
| branches per project | — | 10 branches |
| cu hours per project | — | 100 CU-hours/month |
| egress gb month | — | 5 GB/month |
| pitr retention hours | — | 6 hours |
| projects | — | 100 projects |
| storage gb per project | — | 0.5 GB |
| team members | — | 3 users |
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.
Neon · 14 features
- Autoscaling — Compute scales CPU + memory between min and max CU in seconds based on load.
- Branching — Git-like DB branches: copy-on-write snapshots of data + schema. Instant, cheap. …
- Data API (REST) — PostgREST-compatible REST endpoint auto-generated from your schema. Uses Postgre…
- IP Allowlist — Restrict DB access to specific CIDRs. Launch+.
- Launchpad — One-click create-a-database link that can be embedded in OSS repos (DATABASE_URL…
- Logical Replication — Publish changes to Snowflake, BigQuery, Kafka, or other Postgres. Subscribe from…
- Monitoring — Built-in dashboards for CPU/RAM/connections/slow queries. Prometheus export on B…
- Neon Auth — Stack Auth integrated: users table auto-synced into your Postgres (public.users_…
- Point-in-Time Restore — Restore DB to any moment in the retention window (6h free → 30d Scale) via branc…
- Private Networking — AWS PrivateLink / VPC peering. Business plan.
- Read Replicas — Create a read-only compute endpoint on the same branch. Zero replication lag (re…
- Scale to Zero — Compute suspends when idle — no charge for compute while paused. Cold-start ~300…
- Schema Diff — Compare schema between branches — build PR checks and preview migrations safely.
- SQL over HTTP — Serverless driver lets you query Postgres over HTTPS — works in edge runtimes (V…
Developer interfaces
| Kind | Stripe | Neon |
|---|---|---|
| CLI | Stripe CLI | Neon CLI |
| SDK | stripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-ruby | @neondatabase/serverless |
| REST | Stripe REST API | Management / Control Plane API, Neon Data API (REST), SQL over HTTP |
| MCP | Stripe MCP | Neon MCP Server |
| OTHER | Webhook Events | Postgres Wire Protocol |
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