Maksekeskus vs Stripe
What matters most for you?
Both compared on published, sourced figures. Rows that differ are highlighted; anything we could not source from a public page is shown as “Not published” rather than filled in with an estimate.
What would you actually pay?
Enter your own numbers. Calculated in your browser from the figures in the table below — nothing is sent anywhere.
An estimate from published rates, not a quote. Interchange++ pricing includes an assumed 0.25% interchange and 0.10% scheme fees, because the real figure depends on your card mix.
| Attribute | Maksekeskus | Stripe |
|---|---|---|
| Published pricing | nor, Coop, Citadele, Revolut, N26, etc. 0,9% + 0,05 € Card payments (For Baltic registered companies) A | 1.5% + €0.25 (EEA cards) · 2.5% + €0.25 (UK) · 3.15% + €0.25 (international) |
| Pricing model | Not published | Flat rate |
| Percentage fee | 0.90%source | 1.50%source |
| Fixed per transaction | €0.05source | €0.25source |
| Monthly fee | €10.00source | Not published |
| Chargeback fee | €20.00source | €20.00source |
| FX markup | Not published | 2.00%source |
| Payment methods | 5 | 36 |
| Countries served | 4 | 13 |
| Sandbox | Not published | Yes |
| Webhooks | Not published | Yes |
| Instant sandbox | Not published | Not published |
| Headquarters | EE | US |
| Founded | 2011 | 2010 |
| Data last verified | 9 Aug 2026 | 9 Aug 2026 |
Only attributes at least one of the two publishes are listed — 15 rows. Where both are silent the row is omitted rather than filled with “Not published” twice.
Fees are indicative and not a binding quote. “Better” markers reflect the published figure only — the rate you are actually offered depends on your volume, industry and risk profile.
Only Maksekeskus
countries
Only Stripe
payment methods
features
countries
integrations
Questions about Maksekeskus and Stripe
These answers are generated from the two providers' actual figures, so they differ from comparison to comparison rather than being the same block of text on every page.
Which is cheaper, Maksekeskus or Stripe?
On published percentage rates, Maksekeskus is cheaper: 0.90% against 1.50%, a difference of 0.60%. On €10,000 of monthly volume that is roughly €60.00 a month before fixed fees.
Does Maksekeskus or Stripe cover more countries?
Maksekeskus lists 4 countries and Stripe lists 13. Only Maksekeskus covers Estonia, Latvia and Lithuania. Only Stripe covers Austria, Belgium, Denmark, France and Germany and 7 others. Coverage here means the provider lists the country as served; it is not a guarantee that your specific business type will be onboarded there.
What payment methods does Maksekeskus support that Stripe does not?
Stripe supports American Express, JCB, UnionPay, Diners Club, Discover and PayPal, which Maksekeskus does not. If a local method matters for your market, it is usually the single biggest conversion difference between two otherwise similar providers.
Which is easier to integrate, Maksekeskus or Stripe?
Maksekeskus does not publish a sandbox and does not publish webhooks. Stripe has a sandbox and supports webhooks. Whether you can get into a sandbox the same day, without a sales call, is a reasonable proxy for how the rest of the integration will go.
Is it worth switching from Maksekeskus to Stripe?
Run your own numbers before deciding: the difference between Maksekeskus and Stripe only matters against your actual volume, average ticket and cross-border share. Use the calculator above, then weigh the annual saving against the switching cost — re-integration, re-certification, losing stored card tokens unless the provider supports a network-token migration, and any notice period in your current contract. A saving under roughly 15 basis points rarely survives that arithmetic.