SimplePay vs. Stripe
SimplePay vs. Stripe · payments for a Hungarian webshop
SimplePay (OTP) is the Hungarian default — local cards, local trust, NAV-friendly. Stripe is the global standard with the better developer experience. For a HU-market shop the answer is rarely as obvious as it looks.
option ASimplePayoption BStripeserviceWebsites, web apps & online shops
→ Verdict
If your customers are Hungarian and you sell mostly in HUF, SimplePay wins on conversion — shoppers recognise the OTP-backed flow and abandon less. Choose Stripe when you sell across borders, need subscriptions and a modern API, or want one integration that scales to new markets. Plenty of shops run both.
Pick a topic
When to pick which
A · Pick this when…
SimplePay
- 01Your customers are Hungarian and pay in HUF
- 02Local trust at checkout matters more than API ergonomics
- 03You want a gateway that's a known quantity to a Hungarian buyer
- 04One-off purchases, not complex subscription billing
B · Pick that when…
Stripe
- 01You sell across the EU or worldwide, in multiple currencies
- 02You need subscriptions, metered billing or a marketplace split
- 03Developer experience and a modern API matter to your build
- 04You want one integration that scales to new markets
Factors to weigh
Factor-by-factor
| Factors to weigh | SimplePay | Stripe |
|---|---|---|
| Local trust (HU) | High · OTP-backed, instantly familiar | Lower · less recognised at a Hungarian checkout |
| Currencies | HUF-first, limited multi-currency | 135+ currencies out of the box |
| Subscriptions | Basic recurring support | Mature subscriptions plus metered billing |
| Developer experience | Workable · Hungarian documentation | Best-in-class API, SDKs and test mode |
| Cross-border | Built for the Hungarian market | Built for global from day one |
| Payout + NAV fit | HUF payouts, familiar to Hungarian accounting | Needs more setup for Hungarian invoicing flows |
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