Stripe is the default choice for many WooCommerce merchants — it’s well-known, has a decent plugin, and getting started is fast. But for WooCommerce stores specifically, ConvesioPay is built around the needs of this platform in ways that Stripe isn’t. This comparison looks at the real differences: fees, integration depth, fraud tools, support, and regulated industry access.
See how your current Stripe fees compare to ConvesioPay’s interchange++ pricing. Most WooCommerce merchants save 0.3–0.5% of processing volume after switching. Get a comparison →
1. Pricing: Flat-Rate vs. Interchange++
Stripe
2.9% + $0.30 per transaction — a flat rate that blends all card types and costs into a single predictable number. Easy to understand; consistently more expensive than cost-based pricing at meaningful volume.
ConvesioPay
Interchange++ (interchange-plus-plus) pricing — you pay the actual interchange cost set by the card networks, plus a small, transparent markup. Interchange rates vary by card type (premium rewards cards cost more; debit cards cost less) but the markup stays fixed.
In practice: merchants switching from Stripe’s flat rate to ConvesioPay’s interchange++ save an average of 0.38% of processing volume (source: ConvesioPay Q1 2026 Report). On $100K/month, that’s $380/month — $4,560/year.
| Monthly volume | Estimated annual savings |
|---|---|
| $25,000/month | ~$1,140/year |
| $50,000/month | ~$2,280/year |
| $100,000/month | ~$4,560/year |
| $500,000/month | ~$22,800/year |
Based on average 0.38% savings. Actual savings vary by card mix and transaction type.
2. WooCommerce Integration Depth
Stripe
Stripe maintains a WooCommerce plugin. It works, but WooCommerce is one integration among hundreds for Stripe — not the primary product focus. Plugin issues, WooCommerce compatibility updates, and edge cases around WooCommerce-specific features sometimes take longer to address than they would for a WooCommerce-specialist team.
ConvesioPay
WooCommerce is the entire product focus. The plugin is built by a team that runs WooCommerce stores, understands WooCommerce’s architecture at a deep level, and prioritizes WooCommerce compatibility with every update. Features like WooCommerce Subscriptions integration, WooCommerce Blocks checkout support, and WooCommerce-specific order management workflows are first-class considerations — not afterthoughts.
3. Fraud Prevention Tools
Stripe
Radar — ML-based fraud detection with rule customization. Included at the standard tier with basic features; Radar for Teams (advanced rules and machine learning) costs an additional $0.02/transaction. Good for general use; not specialized for WooCommerce fraud patterns.
ConvesioPay
Full fraud prevention stack included:
- Configurable fraud rules at the payment level
- 3DS2 authentication with liability shift
- Adyen RevenueProtect — global fraud intelligence trained on enterprise transaction data
- Visa Verifi RDR integration — automatically resolve qualifying disputes pre-chargeback
- AVS and CVV checking with configurable response actions
No additional cost for fraud tools — included in the integration.
4. Account Stability
Stripe
Aggregator model — all Stripe merchants share a master merchant account. Stripe’s automated risk systems can freeze accounts or hold funds for 90–180 days, with limited merchant recourse. This is the most common complaint from merchants who leave Stripe, particularly those in higher-risk categories or those who experience fraud events.
ConvesioPay
Merchant of Record through Adyen’s acquiring infrastructure — you have your own merchant ID rather than sharing an account. Issues are handled through dedicated account management rather than automated systems. Traditional acquirer relationships provide meaningfully better account stability than the aggregator model.
5. Regulated Industry Support
Stripe
Restrictive category policy. Many regulated industries — firearms and accessories, supplements, nutraceuticals, CBD/hemp, high-risk healthcare — are prohibited or require special approval. Merchants in these categories frequently get terminated from Stripe.
ConvesioPay
Through Adyen’s acquiring infrastructure, ConvesioPay supports a broader range of merchant categories including regulated industries that Stripe commonly declines. Telemedicine, HIPAA-covered services, firearms-adjacent businesses, and adult nutraceuticals are among the categories with clearer paths to approval.
6. Support
Stripe
Documentation-first support. Stripe’s documentation is excellent, but reaching a human who understands your specific WooCommerce setup can be slow. Phone support requires a paid plan.
ConvesioPay
WooCommerce-specialist support team. When you contact ConvesioPay support, you’re talking to someone who knows WooCommerce — not a generalist payment support agent who needs to look up what WooCommerce is. Response times and resolution quality differ significantly for WooCommerce-specific issues.
For a broader comparison of WooCommerce payment gateways, see Best WooCommerce Payment Gateway: A 2025 Comparison Guide.
Ready to see your potential savings? ConvesioPay’s interchange++ pricing typically saves WooCommerce merchants 0.38% of processing volume vs. Stripe’s flat rate. Get started →