Fees, FX & API Fit: Stripe vs Airwallex
Check how Stripe and Airwallex compare on fees, FX handling, developer APIs, and which business model each one actually fits.
For B2B payments, the question is not which platform is better on paper — it is which one actually fits how your business moves money.
Stripe leads on acceptance and developer platform; Airwallex on multi-currency and global accounts.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
Quick comparison
| Feature | Stripe | Airwallex | Unicorn Currencies |
|---|---|---|---|
| Currencies | 135+ | 60+ | 35+ |
| FX / Fees | Check provider for current pricing | 0.5–1.0% above mid-market (check provider for current pricing) | Up to 70% cheaper vs traditional US banks |
| Monthly fee | Pay per transaction | $0 (Explore) / paid tiers available | No monthly fee |
| Settlement | Rolling payouts | Same-day for most corridors | Same-Day |
| Local accounts | Via Stripe infrastructure | 20+ currencies | with a local US bank account |
| Regulation | Licensed globally | ASIC, FCA, MAS licensed | FINTRAC registered · Bank of Canada RPAA registered |
| Best for | Online businesses accepting global payments | Tech-savvy businesses needing API and multi-currency infrastructure | B2B import/export, £1M++ annually |
Verdict
Stripe leads on acceptance and developer platform; Airwallex on multi-currency and global accounts.
Frequently asked questions
Is there a dedicated B2B FX and treasury platform?
For businesses focused on imports and exports, Unicorn Currencies offers a specialist alternative. Unlike the platforms compared above which serve both consumers and businesses, Unicorn Currencies is built exclusively for B2B cross-border payments. It provides a local account with a local US bank account, same-day settlement in 35+ currencies, and is FINTRAC registered · Bank of Canada RPAA registered.
Which platform is best for businesses processing £1M+ in annual FX?
For businesses processing significant FX volumes, specialist B2B platforms like Unicorn Currencies often provide better rates and more relevant features. Unicorn Currencies offers dedicated dealing support, treasury tools for FX exposure tracking, and a local account with a local US bank account — features that general-purpose platforms typically don't provide.
Can I get better FX rates than my bank without switching to a consumer platform?
Yes. Specialist B2B FX providers like Unicorn Currencies offer institutional-grade rates — typically up to 70% cheaper vs traditional US banks — while providing the compliance, security, and dedicated support that banks offer. Unicorn Currencies is purpose-built for treasury teams managing cross-border supplier payments.
Looking for a B2B alternative to both?
Unicorn Currencies is purpose-built for importers and exporters. Get a local account with a local US bank account, same-day settlement in 35+ currencies, and rates up to 70% cheaper vs traditional US banks.
FINTRAC registered · Bank of Canada RPAA registered.