Stripe vs WorkOS
Payments, subscriptions, fraud protection, and financial infrastructure
vs. The modern identity platform for B2B SaaS
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
WorkOS
AuthKit Free
First 1M MAUs free. Unlimited organizations, user management, social OAuth, passwordless.
Free
AuthKit Scale
Per 1M additional MAUs.
$2500/mo
Enterprise / Annual Credits
Custom with 99.99% SLA, guided migration, dedicated support.
Custom
Free-tier quotas head-to-head
Comparing payments-payg on Stripe vs authkit-free on WorkOS.
| Metric | Stripe | WorkOS |
|---|---|---|
| mau included | — | 1000000 users/month |
| organizations | — | unlimited orgs |
| staging environments | — | free envs |
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.
WorkOS · 13 features
- Audit Logs — Standardized audit log pipeline with streaming to SIEMs (Splunk, Datadog, Sumo L…
- AuthKit — Complete drop-in user management UI + hosted auth flows. Built on top of WorkOS.
- Directory Sync — SCIM-based user provisioning/deprovisioning from Okta, Azure AD, Google Workspac…
- FGA (WorkOS) — Fine-grained authorization based on Google Zanzibar / OpenFGA.
- Magic Auth — Passwordless email codes + links. Good alternative to password auth for B2B.
- Multi-Factor Auth — TOTP + SMS MFA enrollment and verification APIs.
- Organizations — Multi-tenant B2B primitive. Attach SSO/Directory/Audit to specific customer orgs…
- Passkeys — WebAuthn passkeys as a first-class factor.
- Radar — Fraud protection: device fingerprinting + risk scoring at signup and login.
- Single Sign-On — Plug-and-play SAML 2.0 + OIDC SSO with 30+ identity providers pre-mapped.
- User Management — REST API + webhooks for user CRUD, email verification, sessions, MFA, metadata.
- Vault — Secret storage for tokens + per-tenant credentials.
- Widgets — Embeddable admin portals (SSO setup, directory mapping) that your customers self…
Developer interfaces
| Kind | Stripe | WorkOS |
|---|---|---|
| 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 | workos-go, @workos-inc/authkit-nextjs, workos-java, workos-node, workos-php, workos-python, workos-ruby |
| REST | Stripe REST API | WorkOS REST API |
| MCP | Stripe MCP | — |
| OTHER | Webhook Events | Webhooks |
Staxly is an independent catalog of developer platforms. Outbound links to Stripe and WorkOS are plain references to their official websites. Pricing is verified against vendor pages at publication time — reconfirm before buying.
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