Line by line, on the things merchants and platforms actually use every day. Where Stripe is genuinely ahead, we say so.
| Quadriel | Stripe | |
|---|---|---|
| Invoicing | ✓Native builder, unlimited, free | 0.4–0.5% of every paid invoice |
| Checkout | ✓In-page pop-over, one-line embed, no redirect | Redirect to hosted page, or build Elements yourself |
| Bank debit | ✓Bacs · ACH · PAD · BECS — first-class, one API | Card-first; bank debit varies by market |
| Underwriting | ✓Up front by the world’s largest acquirer — payouts don’t freeze later | Instant signup, risk review later; holds and reserves at scale |
| Recurring & instalments | ✓Any schedule on any rail, no product catalogue needed | Catalogue-driven, card-led subscriptions |
| Platform economics | ✓Wholesale buy rates — you set sell rates, keep the spread | Revenue share on Stripe’s terms |
| In person | ✓Verifone terminals + SoftPOS, same settlement as online | Stripe Terminal (own hardware ecosystem) |
| Instant bank payments | ✓Pay by Bank as an in-platform activation, rolling out | Pay by Bank available in select markets |
We build for the US, Canada, the UK and Australia — and go deeper in them than anyone: every local bank-debit scheme first-class, local underwriting, local settlement, and every price published on the page. If your business lives in one of these markets, this is the platform built for exactly where you are.
GoCardless is excellent at one rail. Quadriel treats direct debit with the same first-class care — then adds cards, open banking, terminals, native invoicing and an in-page checkout on top, at comparable bank-debit pricing. One provider instead of two.