Embed vs Stripe Connect
Embed
embed.co
Stripe Connect
stripe.comSide by side
| Figure | Embed | Stripe Connect |
|---|---|---|
| Price from | — | $20.25/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 3 |
| Spec score · Embedded Payments Platforms | 7.9 (#6) | 8.7 (#4) |
| Spec score · Payment Facilitation Platforms | 7.9 (#8) | 8.7 (#5) |
| Integrations | Embed provides APIs and components for payment components, payment links, in-person payments, recurring payments, and balance accounts. | Stripe lists Terminal, Tax, Billing, Capital, Issuing, and other Stripe financial products as capabilities platforms can add through its integrated stack. |
| Money movement | Platforms can use balance accounts to orchestrate funds between multiple parties and configure payouts on demand or on schedules. | Connect supports direct charges, destination charges, split payouts, and top-ups for different platform payment models. |
| Onboarding | Embed says merchants can be onboarded to a platform in less than 48 hours. | Platforms can use Stripe-hosted, embedded, or custom-built onboarding, including identity verification and networked onboarding for existing Stripe users. |
| Security | Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank. | The Connect features page lists PCI DSS Level 1 certification and PSD2 Strong Customer Authentication compliance. |
| Support | The pricing page lists 24/7 payments support, technical support on Slack, implementation, and a low-code components library as free. | Connect’s features page advertises 24x7 support by phone, chat, and email. |
| Who it serves | Embed describes its audience as software platforms and lists EV charging, field services, proptech, wellness, ticketing, retail, and automotive use cases. | Stripe describes Connect as suitable for software platforms, marketplaces, and businesses that need to coordinate payments among multiple parties. |
Plans
Stripe Connect
- Stripe handles pricing for your usersFree
- You handle pricing for your users$20.25 a month
- Stripe handles pricing for your usersPriced on request
In their own words
Embed
Embed provides payment infrastructure for software platforms through one integration covering ecommerce, point-of-sale, and subscription payments. Platforms can configure tiered, blended, or cost-plus pricing by customer segment. Balance accounts, flexible rules, and APIs support moving funds among multiple parties and scheduling or requesting payouts. Embed also offers domestic virtual IBANs across Europe, safeguarded by tier-one banks. Documented payment methods include cards, open banking, SEPA, SEPA Direct Debit, iDEAL, and Vipps. Integration guides cover payment components, links, in-person payments, recurring payments, and balance accounts. A functional sandbox supports integration and payment tests, test-merchant onboarding, credential management, and reconciliation-report downloads. The service provides reports for finance and accounting and support through integration, verification, onboarding, and operations. Embed states PCI-DSS compliance and describes regulatory coverage through Embed B.V. and Embed Pay Ltd. It is paid, has no free plan, and lists a pay-as-you-go option with no monthly fees; transaction pricing is €0.15 gateway fee plus IC+ + 0.50% for cards.
Stripe Connect
Stripe Connect embeds payments in software platforms and marketplaces and coordinates money movement among multiple parties. Platforms can choose Stripe-hosted, embedded, or custom onboarding, including identity verification and networked onboarding for existing Stripe users. Connect supports payments in 135+ currencies and 40+ payment methods across online, mobile, subscription, invoicing, and point-of-sale flows. Platforms can split payments, route funds across borders, control payout timing, and offer instant payouts. Prebuilt connected-account dashboards include controls for payments, payouts, settings, notifications, and payment methods. Risk and compliance features include KYC and AML checks, sanctions screening, MATCH list checks, and fraud management. Connect can automatically generate US 1099 forms; e-filing and delivery fees vary by pricing model. Its listed security features include PCI DSS Level 1 certification and PSD2 Strong Customer Authentication compliance. Pricing may involve no platform fees when Stripe handles user pricing, or $2 per monthly active account plus 0.25% + 25¢ per payout sent; other usage fees may apply.