Why Stripe vs Merchant Account dilemma setup speed

Trinity Consultings09 Jul, 2025Finance

The question of "stripe vs merchant account" often comes down to speed to get set up. Stripe provides immediately easy onboarding and use for someone just starting out and needs a payment method now. On the other hand, applying for a merchant account comes with a definite underwriting process, and is suited for established businesses. The important question is how quickly you want to be able to take payments and how customized you want your solution to be.

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