Payments · Dec 1, 2025 · 6 min read
Stripe vs local payment providers: when each wins
Страйп is great. Sometimes Яндекс.Касса, Tinkoff, or local card processors are better.
Where Stripe wins
- International customers paying in their own currency
- Subscriptions with complex pricing logic
- Marketplaces that need split payments
- Developer experience and ecosystem
Where local providers win
- Russian/CIS customers — local methods like SBP, Mir cards
- Lower transaction fees in your home country
- Compliance with local data residency rules
- Faster settlement (T+1 instead of T+7)
The compromise
Run both. Stripe for international, local for home market. Detect by IP and let the user override. We've never seen this hurt conversion, only help it.
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