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vs Stripe + Auth0backend

StackBE vs Stripe + Auth0

Stripe for billing, Auth0 for auth—a common pairing. But maintaining two systems has hidden costs. Here's the full comparison.

Published January 18, 2026Updated January 25, 2026
FeatureStripe + Auth0StackBE
Authentication
Auth0 (full-featured)
Magic links
Social Login
Auth0 (yes)
Enterprise SSO
Auth0 (yes)
Billing
Stripe (full-featured)
Via Stripe Connect
Entitlements
You build
Built-in
Integrations Required
Two
One
Identity-Billing Sync
You build
Automatic
Webhook Sources
Two
One
Combined Cost
Processing + Billing + Auth
Processing + StackBE
Maintenance
Two systems
One system

The Stripe + Auth0 Stack

Combining Stripe for payments and Auth0 for authentication is a popular approach for SaaS applications. Both are excellent products—best-in-class in their domains.

Stripe provides:

  • Payment processing
  • Subscription billing
  • Invoicing
  • Customer portal
  • Auth0 provides:

  • User authentication
  • Social login
  • Enterprise SSO (SAML)
  • User management
  • Together, they cover auth and billing. But they're separate systems that you must integrate and maintain.

    What is StackBE?

    StackBE combines authentication, subscription billing, and entitlements in a single API. It uses Stripe Connect for payment processing but unifies identity and billing in one system.

    StackBE provides:

  • Magic link authentication
  • Subscription management
  • Entitlements tied to plans
  • Unified customer identity
  • Customer portal
  • Usage tracking
  • The Integration Question

    Stripe + Auth0: Two excellent products, two integrations, ongoing sync

    StackBE: One product, one integration, inherently unified

    Key Differences

    Number of Integrations

    Stripe + Auth0:

  • Integrate Auth0 SDK for authentication
  • Integrate Stripe SDK for billing
  • Build the connection between them (user → customer mapping)
  • Handle webhooks from both systems
  • Keep data synchronized
  • StackBE:

  • Integrate StackBE SDK
  • Authentication and billing are already connected
  • One webhook source
  • One source of truth
  • Identity-Billing Connection

    Stripe + Auth0: Auth0 users and Stripe customers are separate entities in separate systems. You must:

    1. Create a Stripe customer when a user signs up

    2. Store the Stripe customer ID with the Auth0 user

    3. Keep email addresses synchronized

    4. Handle cases where one system changes without the other

    This sync code is your responsibility. It's not hard initially, but it's ongoing maintenance.

    StackBE: One customer record contains identity and billing. No sync required—they're the same entity.

    Entitlements

    Stripe + Auth0:

  • Stripe knows what plan someone is on
  • Auth0 knows who they are
  • Neither knows "can this user access feature X?"
  • You build entitlements logic: query Stripe for subscription, map to features, cache appropriately
  • StackBE:

  • Entitlements defined per plan
  • API call: "Does customer X have feature Y?"
  • Automatic—subscription changes update entitlements
  • Pricing Comparison

    Stripe + Auth0:

  • Stripe: 2.9% + $0.30 per transaction
  • Stripe Billing: +0.5% for subscriptions
  • Auth0: Free up to 7,500 MAU, then ~$23/month for 1,000 MAU (Essentials)
  • At 5,000 customers, $15K MRR:

  • Stripe: ~$480/month (processing)
  • Stripe Billing: ~$75/month
  • Auth0: ~$115/month (Essentials tier)
  • **Total: ~$670/month** in platform fees
  • StackBE:

  • StackBE: Flat monthly fee
  • Stripe: 2.9% + $0.30 (processing only, no Billing surcharge)
  • At 5,000 customers, $15K MRR:

  • Stripe: ~$480/month (processing)
  • StackBE: Flat fee
  • **Total**: Stripe processing + StackBE fee (often lower than Stripe + Auth0)
  • Webhook Complexity

    Stripe + Auth0:

  • Stripe webhooks: subscription events, payment events, customer events
  • Auth0 hooks/actions: login events, user events
  • You handle both, keep them coordinated
  • Edge cases: what if Stripe webhook fires before Auth0 user creation?
  • StackBE:

  • One webhook endpoint
  • All events (auth and billing) from one source
  • Or just query the API for current state
  • Feature Comparison

    Auth0 advantages:

  • Social login (Google, GitHub, etc.)
  • Enterprise SSO (SAML, OIDC)
  • Advanced MFA options
  • Extensive customization
  • Stripe advantages:

  • Comprehensive payment methods
  • Stripe Radar for fraud
  • Stripe Tax for compliance
  • Ecosystem of Stripe products
  • StackBE tradeoffs:

  • Magic links only (no social or enterprise SSO)
  • Stripe-only for payments
  • Less customization, more simplicity
  • When to Choose Stripe + Auth0

    The combination is right when:

  • You need enterprise SSO (SAML) for customers
  • Social login is important for your market
  • You want best-in-class components even if it means more integration
  • You have engineering resources for ongoing maintenance
  • You need advanced Auth0 features (MFA types, custom actions)
  • When to Choose StackBE

    StackBE is better when:

  • Magic link authentication is acceptable
  • You want auth + billing unified from day one
  • You'd rather maintain one integration than two
  • You don't need enterprise SSO currently
  • You want entitlements without building them
  • Simplicity beats component optimization
  • The Maintenance Tax

    The hidden cost of Stripe + Auth0 isn't the initial integration—it's ongoing maintenance:

  • Auth0 deprecates an API version: you update
  • Stripe changes webhook behavior: you adapt
  • New edge case in user-customer sync: you fix
  • Team member leaves, new person learns two systems
  • StackBE has one system to learn, one integration to maintain.

    The Bottom Line

    Stripe + Auth0 is a solid, proven combination. Both are excellent products. If you need their specific features (enterprise SSO, social login, advanced MFA), use them.

    But if your requirements are more standard—authentication, subscriptions, feature access—StackBE provides a simpler path. One vendor, one SDK, inherently unified.

    The best tool is the one that lets you focus on your product, not your infrastructure.

    Ready to simplify your SaaS billing?

    StackBE combines auth, billing, and entitlements in one API. Get started in minutes, not weeks.

    Get Started Free

    Frequently Asked Questions