# Stripe vs Frame

Title: Stripe vs Frame: fees

Description: Stripe vs Frame: Stripe is 2.9% + $0.30. Frame is From 2.0% + $0.39. Disputes: Stripe $15, Frame $25. Read November 9, 2026. Source pages linked.

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.

# Stripe vs Frame

Instant signup compared with underwriting in 24 hours or less. Frame supports low, mid, and high risk.

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

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.

| 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 | No | No |
| In the fee calculator | Yes | No |

## Pricing

- Stripe: 2.9% + $0.30
- Frame: From 2.0% + $0.39 (That figure is a floor, not the rate a given business will pay.)

## With Stripe

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.

## With Frame

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.

## On the pricing page

- **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.

## How do Stripe and Frame differ on holds, reserves, and disputes?

Stripe's reserve terms and Frame's site were read on November 10, 2026. Fees were read on November 9, 2026. Source: https://support.stripe.com/questions/reserves-frequently-asked-questions?ref=https%3A%2F%2Fwww.stripealternatives.com

| 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. |

## Importing from Stripe

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. Source: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com, read on November 10, 2026.

## Questions

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

At $10,000 a month and a $50 ticket, Frame's floor of 2.0% + $0.39 comes to $278.00, and Stripe's 2.9% + $0.30 comes to $350.00, on rates read November 9, 2026. The floor is the lowest rate Frame publishes. Frame sets the actual rate in underwriting, so it can be higher.

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

Frame lists $25. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Frame underwrite compared with Stripe?

Up front, in 24 hours or less. Low, mid, and high risk. 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 Frame?

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.

### When should you choose Frame?

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.

### Can Stripe card data move 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.

## 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
- Frame: https://framepayments.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Frame pricing: https://framepayments.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe: reserves FAQ: https://support.stripe.com/questions/reserves-frequently-asked-questions?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
- Frame: Billing: https://framepayments.com/billing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Frame: Sonar: https://framepayments.com/sonar?ref=https%3A%2F%2Fwww.stripealternatives.com
- Frame: frameOS: https://framepayments.com/frame-os?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe pricing profile](/alternatives/stripe.md)
- [Frame profile](/alternatives/frame-payments.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)
- [Lowest published fees](/best/lowest-fees.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs PayPal](/compare/stripe-vs-paypal.md)
- [Stripe vs Square](/compare/stripe-vs-square.md)
- [Stripe vs Adyen](/compare/stripe-vs-adyen.md)