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Carta vs Stripe: startup credits compared

Side-by-side amounts, eligibility and access paths, both verified against the official program pages.

CartaFree cap table (Carta Launch) up to 25 stakeholders and $1M raised; 20% off paid plans via perks platformsVerified Nov 3, 2026StripeWaived processing fees or fee credits (amount set per partner); $2,500 Atlas creditsVerified Nov 3, 2026

At a glance

FactCartaStripe
ValueFree cap table (Carta Launch) up to 25 stakeholders and $1M raised; 20% off paid plans via perks platformsWaived processing fees or fee credits (amount set per partner); $2,500 Atlas credits
TypeFree planCredits + discount
DurationNot stated1 year
StagesPre-seed, Seed, BootstrappedPre-seed, Seed, Series A
RegionsGlobalGlobal
Max funding raised$1,000,000Not stated
Max company ageNot statedNot stated
Ways to get it
  • Apply directly — Free Carta Launch plan
  • Ramp — 20% off first year + waived implementation fees
  • Brex — 20% off first year
  • Mercury — 20% off
  • Apply directly — Fee credits or waived fees (amount depends on offer)
  • Stripe Startup Partners (VC funds and accelerators) — Partner-specific fee credit or waived-fee threshold
  • Ramp — $25,000 in fee-free processing
  • Apply directly — $2,500 fee credits for Stripe Atlas companies
Requirements
  • Up to 25 stakeholders on the cap table
  • Up to $1 million raised
  • Certificate of incorporation available at sign-up
  • Early-stage company with institutional (venture or accelerator) funding
  • Active Stripe account on standard pricing with dashboard access
  • Stripe-supported country
  • No previous Stripe Startups offer redeemed
Not eligible
  • Companies above 25 stakeholders or $1M raised (must upgrade to a paid plan)
  • Companies needing a 409A valuation (paid Grow plan or higher)
  • Accounts whose pricing is controlled by another platform (e.g. Connect platforms setting your fees)
  • Accounts on custom or negotiated pricing
  • Startups that already redeemed an offer (one per lifetime, single account)
VerificationVerified· Nov 3, 2026Partially verified· Nov 3, 2026

Which should you pick?

The two programs are not directly comparable on dollar value. Both accept the same range of funding stages. Note that only Carta is fully verified against its official page; double-check the other before relying on it. If you qualify for both, there is usually no reason not to apply to both; the programs are independent.

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