Cleo vs Stone
We compare Cleo and Stone with data taken from each one's official site. Both offer loans and payment acceptance.
Cleo
Buy now, pay later without a card at merchants in Chile, Mexico and Peru
Made in Chile
Stone
Business account, card terminals, online payments and credit for entrepreneurs
Made in Brazil
Side by side
Data taken from each product's official site, with source and date on each listing. "—" means we don't have the data verified, not that the product lacks it; "Not published", that we checked its pricing page and it shows none. Web traffic is the site's place in the Tranco list of the world's most visited sites; the year online is its first capture in the Wayback Machine.
| Field | Cleo | Stone |
|---|---|---|
| Category | Fintech & payments | Fintech & payments |
| Made in | Chile | Brazil |
| Founded | Not stated | 2012 |
| Business model | Not stated | Paid |
| Free plan | Not stated | Yes |
| Built for | Consumers and Small businesses | Freelancers, Small businesses, and Enterprises |
| Platforms | Web and API | Not stated |
| Operates in | Chile, Mexico, and Peru | Brazil |
| Languages | Spanish | Portuguese |
| Integrations | Not stated | ERP, PDV, e-commerce, and marketplace |
Features
- Both
- Loans and Payment acceptance
- Only Cleo
- None
- Only Stone
- Cards
About Cleo
Chilean buy now, pay later payment method that needs no credit card. When paying at a partner store, shoppers are assessed in minutes using their phone and bank, then choose to pay in 14 or 30 days or in up to 12 installments, with reminders over WhatsApp or email.
Verified on November 2, 2026
See the Cleo listing →About Stone
Brazilian financial technology company providing payments, business banking and credit for entrepreneurs. For selling, it offers card terminals, tap-to-pay on a phone, payment links, an online catalog and subscription sales.
Verified on November 1, 2026
See the Stone listing →How we compare
We suggest comparisons between products that share features. Every data point comes from the product's official site, with its source and date on the listing. No payment changes what's shown here.