# Stripe vs Commas

Title: Stripe vs Commas: fees

Description: Stripe vs Commas: Stripe is 2.9% + $0.30. Commas is Quoted. Disputes: Stripe $15, Commas Not published. Read November 9, 2026. Source pages linked.

Stripe vs Commas compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Commas is listed at Quoted. Dispute fees that day: Stripe $15 received, and Commas Not published. The provider pages, not a third-party roundup, are the source.

# Stripe vs Commas

A processor, where you are the merchant, compared with a merchant of record that does not publish a rate.

[Commas](https://commas.com/?ref=https%3A%2F%2Fwww.stripealternatives.com)

Commas is the merchant on Commas checkouts. FanBasis, Inc. does business as Commas, and the buyer contracts with Commas. Commas does not publish a processing rate, so this page cannot say it is cheaper or more expensive than Stripe's 2.9% + $0.30. Get the fee in writing before you treat it as an alternative.

| Feature | Stripe | Commas |
| --- | --- | --- |
| Card rate | 2.9% + $0.30 | Quoted |
| Dispute fee | $15 received | Not published |
| Pricing | Flat rate | Merchant of record |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Not published. The terms say payouts go through Commas' payment partners after KYC. |
| Region | Global. Rates here are the US list prices. | Checkouts on Commas. Confirm where your business can be boarded. |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | Commas approves sellers. It is the contracting merchant and can refuse the offering. |
| Merchant of record | No | Yes |
| In the fee calculator | Yes | No |

## Pricing

- Stripe: 2.9% + $0.30
- Commas: Quoted

## With Stripe

You need your company on the invoice, or you will not move volume onto a rate you have not seen.

## With Commas

You sell a course, membership, or coaching offer, you want the card statement to name Commas, and the written quote beats the tax work you would do yourself.

## On the pricing page

- **Processing.** Not published. The terms say fees depend on the features you turn on and appear in the dashboard, pricing documentation, or a written agreement.

## Questions

### Is Commas lower than Stripe on the published line?

Commas did not publish a standard rate this page can multiply. Stripe at $10,000 and a $50 ticket is $350.00 on 2.9% + $0.30, read November 9, 2026.

### What is Commas's dispute fee versus Stripe's?

Commas lists Not published. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Commas underwrite compared with Stripe?

Commas approves sellers. It is the contracting merchant and can refuse the offering. Stripe signs businesses up quickly and can review them later. A listing on this page is not an approval.

### When should you keep Stripe instead of Commas?

You need your company on the invoice, or you will not move volume onto a rate you have not seen.

### When should you choose Commas?

You sell a course, membership, or coaching offer, you want the card statement to name Commas, and the written quote beats the tax work you would do yourself.

### Can Stripe card tokens move to Commas?

This page does not claim that Commas imports Stripe tokens. Ask in writing. Stripe's data export page, read on November 10, 2026, says Stripe transfers card data only to a PCI DSS Level 1 processor.

## Sources

Last verified November 9, 2026.

- Stripe: https://stripe.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Commas: https://commas.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Commas pricing: https://commas.com/payments?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com
- Commas: Processing: https://commas.com/terms?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe pricing profile](/alternatives/stripe.md)
- [Commas profile](/alternatives/commas.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [Fee calculator](/tools/fee-calculator.md)
- [Merchant of record alternatives](/best/merchant-of-record.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs Dodo Payments](/compare/stripe-vs-dodo-payments.md)
- [Stripe vs Authorize.net](/compare/stripe-vs-authorize-net.md)
- [Stripe vs Checkout.com](/compare/stripe-vs-checkout-com.md)