SmartPay vs StoneCo
SmartPay vs StoneCo, compared side by side on 10 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: SmartPay is on 6/100 and StoneCo on 67/100.
Where each one leads
SmartPay
Leads on none of the measures we hold for both companies.
StoneCo
- our overall score: 67/100 against 6/100
At a glance
| Measure | SmartPay | StoneCo |
|---|---|---|
| What it is | Japan's first comprehensive payment experience and cost-free Buy Now, Pay Later (BNPL) solution. | Brazilian fintech providing integrated financial and software solutions for merchants of all sizes. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2B2C | B2B |
| Offering | Platform | Platform |
| Founded | 2020 | 2012 |
| Headquarters | Tokyo, Japan | São Paulo, Brazil |
| Status | Inactive | Active |
Size, funding and growth
| Measure | SmartPay | StoneCo |
|---|---|---|
| Employees | Not published | 13,867 |
| Headcount growthLast 12 months | Not published | +3.3% |
| Total funding | Not published | $1.5B |
| Latest round | Not published | IPO |
| LinkedIn followers | Not published | 2,482,372 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | SmartPay | StoneCo |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 6/100 | 67/100 |
| Traction | Not published | 60/100 |
| Team | Not published | 60/100 |
| Community | Not published | 8/100 |
| Search visibility | 2/100 | 35/100 |
| Quality | Not published | 78/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (22/100) | F (21/100) |
| Domain ratingLink authority, 0-100 | Not published | 53/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | SmartPay | StoneCo |
|---|---|---|
| Hosting | Not detected | AWS |
What users say
| Measure | SmartPay | StoneCo |
|---|---|---|
| Reddit sentimentThreads we track | Not published | 1 positive, 3 negative across 4 threads |
“StoneCo is a fairly dope SA fintech company with quality financials yet rapidly increasing short interest. The dumb fucks who think they can chip away at this little gem deserve to be eaten alive by the intrepid marketeers going in on share”r/wallstreetbets
SmartPay vs StoneCo: common questions
Which is better, SmartPay or StoneCo?
On our 0-100 score StoneCo rates higher (67/100 against 6/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 10 data points above: read the rows that match what you are buying for.
How do SmartPay and StoneCo compare on the numbers?
StoneCo leads on our overall score (67/100 against 6/100).
What do real users say about SmartPay and StoneCo?
StoneCo: 1 positive and 3 negative mentions across 4 Reddit threads we track, mostly in r/wallstreetbets.
Read the full SmartPay review and pricing or the StoneCo review and pricing. You can also browse other SmartPay alternatives we track.