Stripe vs Frame
Stripe vs Frame compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Frame is listed at From 2.0% + $0.39. Dispute fees that day: Stripe $15 received, and Frame $25. The provider pages, not a third-party roundup, are the source.
What is the verdict on Stripe vs Frame?
Frame publishes From 2.0% + $0.39, read on November 9, 2026. Stripe's US domestic card rate on that date is 2.9% + $0.30.
Stripe is the right processor when you want instant setup, or you rely on Stripe Tax or Terminal. Frame underwrites US merchants in 24 hours or less, before the first charge, and supports low-risk, mid-risk, and high-risk profiles. Frame has its own billing, fraud monitoring (Sonar), and platform payments (frameOS), and it says it can import your Stripe data, including card numbers, subject to Stripe's approval. Frame's published card price, from 2.0% + $0.39, is a floor. The cost table shows it as an "as low as" figure, and the rate Frame sets in underwriting can be higher.
How do Stripe and Frame compare on features?
Frame is a payment facilitator with the dispute line $25, read on November 9, 2026. Stripe's dispute line on that date is $15 received.
| Feature | Stripe | Frame |
|---|---|---|
| Card rate | 2.9% + $0.30 | From 2.0% + $0.39 |
| Dispute fee | $15 received | $25 |
| Pricing | Flat rate | Supports variable rates from 2.0% + $0.39. Custom interchange-plus pricing is available. |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Instant payouts 1.5% (push to card, or same-day ACH). |
| Region | Global. Rates here are the US list prices. | United States |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | Up front, in 24 hours or less. Low, mid, and high risk. |
| Subscriptions and billing | Stripe Billing | Frame Billing, for subscriptions and usage-based billing |
| Fraud monitoring | Radar | Sonar, Frame's fraud and transaction monitoring |
| Platforms and marketplaces | Connect | frameOS, for embedded onboarding, split payments, and payouts |
| Merchant of record | ||
| In the fee calculator |
Frame's product pages were read on November 10, 2026. Frame: Billing · Frame: Sonar · Frame: frameOS
What does Stripe vs Frame cost at $10,000, $100,000, and $1 million a month?
The dollar columns use a $50 average ticket and successful charges only, on rates read November 9, 2026. Frame's published line is From 2.0% + $0.39.
Stripe
Published standard rate, read November 9, 2026.
- Manually entered cards. +0.5%
- International cards. +1.5%
- Currency conversion. +1% when required
Frame
That figure is a floor, not the rate a given business will pay.
- Disputes. $25 per dispute
- ACH. 0.8% per transaction
- Instant payouts. 1.5% per transaction
| Monthly volume | Stripe, $50 ticket | Frame, as low as 2.0% + $0.39 |
|---|---|---|
| $10,000 | $350.00 | As low as $278.00 |
| $100,000 | $3,500.00 | As low as $2,780.00 |
| $1 million | $35,000.00 | As low as $27,800.00 |
Read on November 9, 2026 from each provider's pricing page. A figure that says "from" is a floor, not the rate a business is charged. The Frame column multiplies that floor, so each figure is the lowest possible cost, not a quote. International cards, currency conversion, and disputes are not inside these totals. Stripe pricing · Frame pricing
Where does Stripe win, and where does Frame win?
Stripe wins on the job in the left column. Frame wins on the job in the right column, at the rate From 2.0% + $0.39 read on November 9, 2026.
Stripe wins when
You want instant setup, or you rely on Stripe Tax or Terminal. Stripe's dispute fee is $15 to receive a dispute. Frame's published dispute fee is $25.
Frame wins when
You want an underwriting decision in 24 hours or less, before the first charge. Frame supports low-risk, mid-risk, and high-risk merchants in the United States. Frame says it can import your Stripe data, including card numbers, subject to Stripe's approval. Frame still has to approve the business. A listing on this page is not an approval.
How do underwriting and account stability differ?
Stripe's underwriting note is instant signup, with the right to review later, as recorded on November 9, 2026. Frame's note is: Up front, in 24 hours or less. Low, mid, and high risk.
A live API key is not the same thing as a written approval. If Stripe closed the account for the business model, an instant-onboard processor can reach the same answer after you have moved customers. A prohibited category does not become lawful because the logo changed.
How do Stripe and Frame differ on holds, reserves, and disputes?
Each cell is taken from the provider's own page. Stripe's reserve terms and Frame's site were read on November 10, 2026. Fees are from each pricing page, read on November 9, 2026.
| Topic | Stripe | Frame |
|---|---|---|
| Account holds and closures | Instant signup. Stripe can review, restrict, or close the account later. Stripe says it continuously monitors every account, and a sharp rise in volume it cannot explain is one of its listed reasons for a reserve. | Frame underwrites the business before it starts processing, and it supports high-risk industries. The decision comes before you move customers. Frame still has to approve the business. |
| Reserves | Stripe can hold part of a business's funds in reserve, and it sets the amount and the term by email. It reviews the reserve before the term ends and may extend it. Its help page says that "in some rare cases, a reserve may be required indefinitely." The page gives no standard percentage or term. | Frame's home page and pricing page do not describe a reserve policy. Ask for reserve terms in writing during underwriting, before the first charge. |
| Dispute fees | $15 when a dispute is received, not returned if you win. Another $15 to counter it, returned only if you win. A dispute you counter and lose costs $30 in fees. Smart Disputes takes 30% of the disputed amount when it wins. | $25 per dispute. Frame's pricing page lists no separate fee to counter one. Dispute management is part of the platform. |
How do you switch from Stripe to Frame?
Frame says it can import your Stripe data, including card numbers, subject to Stripe's approval. It also imports your historical payment data and makes it available through the Frame API.
Stripe's documentation says it transfers card data only to a PCI DSS Level 1 processor, and that payment history is not part of that export. History comes from the Stripe API or Dashboard, which stay available as long as the Stripe account is not closed or deleted.
Stripe: payment data export, read on November 10, 2026. The switching guide is the longer checklist.
- Export Stripe customers, prices, and disputes while the dashboard still allows it.
- Ask Frame to start the import, and tell Stripe that Frame is your new processor. Stripe arranges the card-data transfer with Frame.
- Recreate plans and run five real customers in a test, including one annual plan.
- Map webhooks before cutover. Do not bill the same period twice.
- If the Stripe account is already closed, plan for customers to enter cards again.
What did Frame publish on the pricing page?
Frame contributed 7 fee lines to this comparison, read on November 9, 2026. The headline beside those lines is From 2.0% + $0.39.
Card payments
From 2.0% + $0.39 per successful transaction. Frame says the rate is personalized to risk and other factors.
Disputes
$25 per dispute
ACH
0.8% per transaction
Instant payouts
1.5% per transaction
3D Secure
$0.05 per attempt
Sonar fraud monitoring
Included. No separate fee on the pricing page.
Monthly minimum or setup
None on the pricing page.
Where is the source page?
These figures were last updated November 9, 2026. The provider's own page is the source.