WorkOS vs Stripe
The modern identity platform for B2B SaaS
vs. Payments, subscriptions, fraud protection, and financial infrastructure
Pricing tiers
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
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
Free-tier quotas head-to-head
Comparing authkit-free on WorkOS vs payments-payg on Stripe.
| Metric | WorkOS | Stripe |
|---|---|---|
| mau included | 1000000 users/month | — |
| organizations | unlimited orgs | — |
| staging environments | free envs | — |
Features
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…
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.
Developer interfaces
| Kind | WorkOS | Stripe |
|---|---|---|
| CLI | — | Stripe CLI |
| SDK | workos-go, @workos-inc/authkit-nextjs, workos-java, workos-node, workos-php, workos-python, workos-ruby | stripe-dotnet, stripe-go, stripe-java, stripe-js (client), stripe-node, stripe-php, stripe-python, @stripe/react-stripe-js, stripe-ruby |
| REST | WorkOS REST API | Stripe REST API |
| MCP | — | Stripe MCP |
| OTHER | Webhooks | Webhook Events |
Staxly is an independent catalog of developer platforms. Outbound links to WorkOS and Stripe are plain references to their official websites. Pricing is verified against vendor pages at publication time — reconfirm before buying.
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