Stripe vs PocketBase
Payments, subscriptions, fraud protection, and financial infrastructure
vs. Open-source backend in a single Go binary
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
PocketBase
Self-Hosted
MIT-licensed single binary. Run on any VPS / Docker / bare metal. No usage caps — only limited by your server.
$0 base (usage-based)
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs self-hosted on PocketBase.
| Metric | Stripe | PocketBase |
|---|---|---|
| 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.
PocketBase · 12 features
- Access Rules — Record-level access rules (filter expressions) referencing @request and @collect…
- Admin Dashboard — Built-in web UI for schema + data management.
- Auth — Email+password, OAuth2 (Google, GitHub, Facebook, Apple, Discord, Microsoft, etc…
- Backups — Built-in backup/restore with S3 upload option.
- Built-in Mailer — SMTP integration for verification, password reset, magic link emails.
- Collections — Schema-defined record types with fields, validations, and record/admin/auth acce…
- Embedded JS Engine — JavaScript VM (goja) lets you write hooks in JS without recompiling.
- Extend as Go Library — Embed PocketBase in a larger Go app, add custom routes and events.
- File Storage — Local filesystem or S3-compatible storage with access rules.
- Hooks — Server-side Go or JavaScript hooks that run on CRUD events (OnRecordBeforeCreate…
- Migrations — JS/Go migration scripts applied on startup.
- Realtime Subscriptions — SSE-based subscriptions to collection changes.
Developer interfaces
| Kind | Stripe | PocketBase |
|---|---|---|
| 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 | Go API (extend as library), pocketbase (Dart), pocketbase (JS SDK) |
| REST | Stripe REST API | REST API |
| MCP | Stripe MCP | — |
| OTHER | Webhook Events | Admin Dashboard, Realtime SSE |
Staxly is an independent catalog of developer platforms. Some links to Stripe and PocketBase may be affiliate links — Staxly may earn a commission if you sign up through them, at no extra cost to you. Pricing is verified against vendor pages at publication time — reconfirm before buying.
Want this comparison in your AI agent's context? Install the free Staxly MCP server.