52 Stripe Alternatives in 2025

Stripe, the second largest payment provider after PayPal, is processing $1.4T per year. But what if you aren’t able to get an account with Stripe?

There can be many reasons why a business can’t use Stripe, wrong products, wrong industry, wrong customers, lack of documentation, wrong country etc.

The good news? A growing number of Stripe alternatives exist to serve different types of businesses. Find out which one suits your need in this list.

The Complete List of Stripe Alternatives

1. Frame

Frame is a robust and reliable payments processor designed for businesses across most legal industries. The platform offers payment solutions through hosted checkout or API integration, with white glove service available upon request. Frame handles global payments processing while providing businesses with tools to minimize processing stress.

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Features:

• Hosted checkout and API integration options
• White glove service for enterprise clients
• Risk-aware processing for legal but high-risk industries
• Flexible payment processing across multiple industries
• Competitive pricing structure with transparent fees

Best For: Businesses requiring customizable payment flows, especially those in industries often considered high-risk by other processors.

2. Lemon Squeezy

Lemon Squeezy offers a streamlined solution for digital goods sellers, focusing on easy setup, strong customer support, and comprehensive analytics. It functions as a merchant of record, handling tax compliance and payment acceptance.

Features:

• Support for up to 21 payment methods including PayPal
• Full tax/VAT compliance handling
• Automatic display of available payment methods to customers
• A.I. fraud protection with payment risk intelligence
• Usage-based billing options for flexible pricing models

Best For: Digital product sellers, content creators, and SaaS businesses looking for simplified payment acceptance with built-in tax compliance.

3. RiskPay

RiskPay.biz offers tailored payment solutions for high-risk businesses, focusing on fast approvals, robust fraud protection, and flexible processing options. It specializes in serving industries that face challenges with traditional payment processors. On top of that, payouts are instant via USDC.

Features:

• Payment Processing: Supports major debit and credit cards, ACH transactions, and virtual terminals.
• Payouts in USDC: No waiting time for processed transaction, earnings are available immediately.
• Fraud Protection: Includes tools to safeguard businesses against payment risks.
• Instant Approval: Guarantees 99% approval rates for high-risk merchant accounts with no application or setup fees.
• Flexible Solutions: Provides recurring billing, subscription services, and data analytics for better business management.

Best For: High-risk industries such as e-commerce, CBD, medical, startups, and businesses with bad credit seeking reliable payment processing with minimal barriers.

4. Paddle

Paddle caters to SaaS and software companies, offering a comprehensive platform with billing, licensing, and global tax handling. As a merchant of record, Paddle handles tax compliance, fraud prevention, and subscription management in one integrated solution.

Features:

• Merchant of record services to handle global tax compliance
• Subscription management and recurring billing
• Global payment processing with multiple payment methods
• Checkout optimization for higher conversions
• Complete billing solution with invoicing and tax management

Best For: SaaS companies and software sellers looking for a complete solution that handles compliance, payments, and subscription management globally.

5. FastSpring

FastSpring specializes in e-commerce solutions for software and SaaS companies, with a focus on global payments and subscriptions. Their platform handles the complexities of international e-commerce.

Features:

• Global payment processing with multiple currency support
• Comprehensive subscription management
• Tax and VAT compliance worldwide
• Fraud prevention systems
• Branded checkout experiences
• Multiple languages and currency options

Best For: Software companies, SaaS businesses, and e-commerce platforms looking for international payment solutions with strong subscription capabilities.

6. 2Checkout

2Checkout (now part of Verifone) offers versatile payment solutions, excelling in global payments, subscription billing, and digital commerce. The platform provides access to over 45 payment methods and 100 billing currencies in over 200 countries and territories.

Features:

• Global payment processing in numerous currencies
• Support for multiple payment methods worldwide
• Subscription billing and management capabilities
• Digital commerce solutions for various industries
• Tax compliance and management across jurisdictions
• Modular solutions that can be tailored to business needs

Best For: Businesses focusing on international expansion that need a versatile payment solution with strong global capabilities.

7. Payoneer

Payoneer simplifies cross-border payments, offering local payment ease globally with a focus on market expansion and multi-currency support. The platform enables businesses to send and receive international payments with lower fees than traditional banking methods.

Features:

• Cross-border payment facilitation at competitive rates
• Multi-currency account options for global businesses
• Local payment capabilities in multiple markets
• Direct integrations with global marketplaces
• Streamlined vendor payment systems
• Solutions for overcoming common cross-border payment challenges

Best For: International businesses, exporters, freelancers, and marketplace sellers that require efficient cross-border payment solutions.

8. Chargebee

Chargebee is a subscription management platform perfect for SaaS and SMBs, with robust features for billing and revenue management. It allows businesses to automate their subscription lifecycle from trial to renewal.

Features:

• Automated recurring billing and invoicing
• Flexible product catalog management
• Subscription lifecycle management (create, pause, cancel, reactivate)
• Revenue recognition and financial operations
• Customizable checkout pages and self-service portals
• Feature management for subscription-based products
• Integration with multiple payment gateways

Best For: SaaS companies, subscription-based businesses, and SMBs that need sophisticated subscription management and billing automation.

9. Maxio (formerly Chargify)

Maxio offers a robust platform for B2B SaaS billing and financial operations, focusing on growth and efficiency. It consolidates subscription management, revenue recognition, and financial analytics in one platform.

Features:

• Unified billing and financial operations platform
• Subscription management and recurring billing
• Revenue recognition capabilities
• Financial insights and analytics
• Integration with leading CRM systems
• Support for complex B2B billing models
• Designed specifically for SaaS companies’ financial workflows

Best For: B2B SaaS companies requiring advanced financial operations tools alongside billing capabilities.

10. Recurly

Recurly offers a dynamic subscription management platform, excelling in churn management and actionable data insights for subscription growth. Its flexible platform helps businesses optimize their subscription models.

Features:

• Multi-gateway payment processing capabilities
• Automated subscription billing and invoicing
• Churn management and recovery tools
• Data analytics for subscription optimization
• Global subscription management
• Support for various pricing models and trials
• Dunning management to recover failed payments

Best For: Businesses with subscription models that need advanced tools for reducing churn and maximizing customer lifetime value.

11. Braintree

Braintree provides a versatile global payments platform, integrating multiple payment methods with a focus on conversion and security. As a PayPal company, it offers comprehensive payment solutions for various business types.

Features:

• Global payment processing capabilities
• Support for multiple payment methods (credit cards, PayPal, etc.)
• Focus on security and fraud prevention
• Mobile payment capabilities
• International payment processing with multiple currencies
• Developer-friendly APIs and SDKs
• Recurring billing features for subscription businesses

Best For: Businesses of all sizes needing versatile payment options with strong mobile and international capabilities.

12. PayKickstart

PayKickstart offers a modern commerce platform for subscription billing and affiliates, focusing on revenue maximization and churn minimization. It combines checkout, subscription management, and affiliate marketing tools.

Features:

• All-in-one checkout and subscription management
• Affiliate program management and tracking
• Multiple pricing options and checkout templates
• Subscription lifecycle management
• Sales conversion optimization tools
• Extensive third-party integrations
• Tools to minimize churn and maximize customer value

Best For: Digital product sellers and subscription businesses that want to leverage affiliate marketing alongside advanced billing capabilities.

13. PayPro Global

PayPro Global offers a full-service eCommerce solution for selling software and SaaS, focusing on global payments, tax compliance, and customer support. It provides end-to-end solutions for digital product sellers.

Features:

• Complete eCommerce platform for software and digital goods
• Global payment processing and currency support
• Tax compliance and management worldwide
• Customer support in multiple languages
• Subscription management for recurring revenue
• Focus on simplifying global selling for digital businesses

Best For: Software, SaaS, and digital goods companies looking for comprehensive global eCommerce solutions with strong compliance features.

14. Shopify Payments

Integrated with Shopify, this service is ideal for SMBs in e-commerce, offering a seamless shopping cart and payment experience. It eliminates the need for third-party payment providers for Shopify store owners.

Features:

• Direct integration with Shopify eCommerce platform
• Support for major payment methods
• No third-party fees for many payment methods
• Two-step authentication for security
• Automatic setup with Shopify stores
• Multi-currency selling options (133+ currencies)
• Fast and predictable payouts with auto-reconciliation

Best For: Shopify store owners looking for a native payment solution with minimal setup requirements.

15. Square

Square provides versatile POS and payment solutions for small businesses, with a strong focus on retail and mobile payments. It offers integrated hardware and software solutions for in-person and online sales.

Features:

• In-person and online payment acceptance
• Integrated point-of-sale systems
• Mobile payment capabilities
• Payment processing across multiple channels
• Business management tools beyond payments
• Hardware solutions for various business types
• Competitive transaction fees (typically 2.6% + 10¢ for in-person)

Best For: Small to medium businesses, especially retail, food service, and service businesses that need combined POS and payment processing.

16. Zoho Billing

Zoho Billing (including Zoho Subscriptions) is an online recurring billing and subscription management platform ideal for small and medium-sized businesses. It emphasizes professional invoice creation, time tracking, and expense management.

Features:

• Automated recurring billing for subscriptions
• Professional invoice generation
• Subscription lifecycle management
• Plan and pricing model flexibility
• Time and expense tracking capabilities
• Customer portal for self-service
• Integration with other Zoho business applications

Best For: Small to medium businesses that need subscription billing capabilities, especially those already using other Zoho products.

17. WePay

WePay, a Chase company, provides integrated payment solutions focusing on software and SaaS companies, with customizable payment solutions. It specializes in platform payments and marketplace transactions.

Features:

• White-label payment processing
• Integrated payment solutions for platforms
• Risk management and fraud protection
• Support for marketplaces and platform businesses
• Backed by Chase’s financial infrastructure
• Customizable payment flows and experiences

Best For: Platform businesses, marketplaces, and SaaS companies that need embedded payment solutions.

18. QuickBooks Payments

This service provides seamless accounting and payment solutions for SMBs and SaaS businesses, featuring real-time tracking and automated bookkeeping. It integrates directly with QuickBooks accounting software.

Features:

• Direct integration with QuickBooks accounting
• Real-time transaction tracking
• Automated bookkeeping and reconciliation
• Support for multiple payment methods
• Invoicing and payment acceptance in one platform
• Automatic data sync with accounting records

Best For: Businesses using QuickBooks for accounting that want integrated payment processing without manual reconciliation.

19. Mangopay

Mangopay offers a modular payment infrastructure for marketplaces and platforms, emphasizing flexibility, global payouts, and AI-powered anti-fraud capabilities. It specializes in handling complex payment flows for multi-party platforms.

Features:

• Marketplace-specific payment infrastructure
• Flexible, modular approach to payment flows
• Global payout capabilities
• Advanced AI-powered fraud prevention
• Support for payment splitting and distribution
• Escrow capabilities for delayed payment release

Best For: Marketplaces, crowdfunding platforms, and sharing economy businesses with complex multi-party payment requirements.

20. Coinbase Commerce

Coinbase Commerce allows businesses to accept cryptocurrency payments including Base, Ethereum, and Polygon. The service charges a 1% transaction fee and provides tools for managing crypto payments.

Features:

• Support for multiple cryptocurrencies
• 1% transaction fee structure
• Integration with eCommerce platforms
• No monthly fees or setup costs
• Direct deposit to crypto wallets
• API for custom integrations

Best For: Businesses looking to accept cryptocurrency payments alongside or instead of traditional payment methods.

21. BTCpay

BTCPay Server is a self-hosted, open-source cryptocurrency payment processor with 0% fees and no third-party dependencies. It gives merchants complete control over their payment infrastructure.

Features:

• Self-hosted payment processing (no third parties)
• Zero transaction fees (beyond network fees)
• Full control over payment data
• Open-source architecture for customization
• Direct deposits to merchant wallets
• No KYC requirements for merchants

Best For: Cryptocurrency-focused businesses that prioritize privacy, security, and fee minimization over convenience.

22. Lago

Lago is an open-source alternative to Stripe Billing and Chargebee, offering metering and billing in one platform. It specializes in usage-based billing and subscription management with a strong focus on transparency and developer experience.

Features:

• Open-source codebase with full visibility and customization
• Advanced metering capabilities for usage-based pricing
• Comprehensive subscription management
• Developer-friendly API and documentation
• Composable architecture for flexible integration
• Support for complex pricing models including hybrid subscription/usage
• Free self-hosted option available

Best For: Tech companies and SaaS businesses that need flexible metering and billing solutions with the ability to customize and extend functionality.

23. Mollie

Mollie is an EU-focused payment solution that helps businesses accept payments, optimize conversion, and access funding. It provides a straightforward approach to online and in-person payments for European merchants.

Features:

• Wide range of European payment methods (iDeal, Credit Card, Bancontact, etc.)
• Simple, transparent pricing model
• Focus on European market with local expertise
• PCI-compliant payment processing
• Integration with major e-commerce platforms
• Real-time refunds and transaction management
• Pay-as-you-go model with no monthly fees

Best For: European businesses looking for a payment solution that excels in local payment methods and compliance with EU regulations.

24. Adyen

Adyen offers a single platform for payments, risk management, and optimization suitable for businesses of all sizes. It provides a comprehensive global payment solution with advanced features.

Features:

• Unified platform for online, mobile, and in-store payments
• Global payment processing with 150+ currencies
• Advanced risk management and fraud prevention
• Data-driven payment optimization
• Enterprise-grade scalability and reliability
• Support for marketplace models with split payments
• Local payment methods across multiple regions

Best For: Medium to large businesses that need a scalable, enterprise-grade payment solution with global reach and advanced analytics.

25. Speed

Speed is a Bitcoin/lightning payment processor for e-commerce that starts with a 0% fee. It focuses on making cryptocurrency payments accessible and practical for everyday business use.

Features:

• Bitcoin and Lightning Network payment processing
• Near-zero transaction fees (starts at 0%)
• Instant transaction settlements
• No chargebacks or fraud issues
• Integration with e-commerce platforms
• Support for both online and offline businesses
• Option to auto-convert to local currency

Best For: Forward-thinking businesses interested in accepting Bitcoin payments with minimal fees and immediate settlement.

26. OpenNode

OpenNode provides fast Bitcoin payments and payouts for businesses, with comprehensive API and ecommerce integrations. The platform specializes in making Bitcoin payments accessible to mainstream businesses.

Features:

• Lightning Network support for instant Bitcoin payments
• Multiple settlement options (Bitcoin or local currency)
• Easy integration with major ecommerce platforms
• Developer-friendly API documentation
• Real-time transaction monitoring
• Multiple withdrawal options
• Competitive fee structure

Best For: Businesses looking to incorporate Bitcoin into their payment stack with an emphasis on reliability and ease of integration.

27. Coingate

Coingate allows businesses to accept Bitcoin and over 70 other cryptocurrencies, with API and ecommerce integrations. The platform simplifies crypto payment acceptance for businesses of all sizes.

Features:

• Support for 70+ cryptocurrencies
• Integration with multiple ecommerce platforms
• API for custom implementation
• Option for instant conversion to fiat currencies
• Email billing functionality
• Competitive processing fees
• No chargebacks or fraud concerns

Best For: Businesses wanting to accept a wide range of cryptocurrencies beyond just Bitcoin, with options for both keeping crypto or converting to fiat.

28. Buy Me a Coffee

Buy Me a Coffee is a simple solution for donations or members-only content, supporting both one-off payments and recurring payments. The platform focuses on simplicity and ease of use.

Features:

• Simple, intuitive interface for supporters
• Support for one-time and monthly recurring payments
• Members-only content capabilities
• Direct integration with existing websites
• Custom supporter messaging
• Fast setup without technical knowledge
• Mobile-friendly donation process

Best For: Content creators, artists, writers, and other individuals looking for a straightforward way to receive support from their audience.

29. CheckoutPage

CheckoutPage is an easy-to-use checkout page builder with various templates, focusing on sales funnels and forms. It allows businesses to create customized checkout experiences without coding.

Features:

• No-code checkout page builder
• Multiple customizable templates
• White-label branding options
• Custom billing model creation
• Support for multiple payment methods
• Invoice generation capabilities
• Integration with existing websites

Best For: Small to medium businesses looking to create professional checkout experiences without development resources or platform fees.

30. ConvertKit Commerce

ConvertKit Commerce offers easy monetization for creators, with unique features like direct ebook sales, paid newsletter subscriptions, and integrated payment processing with low fees.

Features:

• Built-in email marketing integration
• Digital product sales without a website
• Paid newsletter functionality
• Simple ebook delivery system
• Low transaction fees
• Creator profiles for showcasing work
• Audience management tools

Best For: Content creators, especially writers and newsletter publishers, looking for an integrated solution to sell digital products directly to their audience.

31. Kajabi

Kajabi is a comprehensive platform for creators to build, grow, and manage online courses, coaching, and memberships. It charges 0% transaction fees but starts from $149/month as a platform fee.

Features:

• All-in-one solution for digital product sales
• Course hosting and delivery
• Membership site capabilities
• Email marketing integration
• Website and landing page builder
• Analytics and business insights
• Marketing automation tools

Best For: Professional educators, coaches, and content creators looking for a comprehensive platform to host and sell digital education products.

32. Ko-fi

Ko-fi is a creator-friendly platform for accepting donations, selling memberships, commissions, and shop items with 0% fees on donations. It provides multiple monetization options for creators.

Features:

• No platform fees on donations
• Simple, recognizable “buy me a coffee” concept
• Support for memberships and subscriptions
• Digital product shop functionality
• Commission sales capabilities
• Gallery for showcasing work
• Community-building tools

Best For: Artists, hobbyists, and content creators who want a friendly, approachable way to receive support with minimal fees.

33. Koji

Koji is an e-commerce platform designed for social media, offering customizable digital storefronts and templates with transaction fees between 5-15%. It specializes in selling through social media channels.

Features:

• Social media-optimized sales tools
• Customizable digital storefronts
• Template-based setup for quick launch
• Mobile-friendly buying experience
• Integration with major social platforms
• Support for digital product sales
• Built for viral sharing

Best For: Social media creators and influencers who want to sell directly to their followers with tailored solutions for social commerce.

34. Memberful

Memberful is specialized membership software for creators, offering customizable tools like gated content, private podcasts, and newsletters with easy integration and management.

Features:

• Powerful membership management tools
• Content protection and access control
• Private podcast distribution
• Newsletter integration
• Customizable checkout pages
• WordPress integration
• Analytics and member insights

Best For: Content creators, especially podcasters and writers, who want to build membership programs with sophisticated content access controls.

35. MemberSpace

MemberSpace is a versatile membership platform enabling creators to sell memberships and digital products on any website, with features like tiered access, customizable billing, and seamless integration with multiple platforms.

Features:

• Works with most website builders
• Tiered membership capabilities
• Flexible content protection
• Customizable billing options
• Member management dashboard
• Support for one-time and subscription payments
• Multiple admin account support

Best For: Website owners who want to add membership functionality to their existing site without changing platforms or redesigning their website.

36. Outseta

Outseta is an all-in-one membership software offering integrated tools like CRM, email marketing, billing, authentication, and help desk, designed to streamline and monetize SaaS or membership businesses efficiently.

Features:

• Comprehensive membership operating system
• Built-in CRM for member management
• Integrated email marketing capabilities
• Authentication and user management
• Subscription billing and payment processing
• Help desk and support ticket system
• Advanced reporting and analytics

Best For: SaaS businesses and membership sites looking for a unified solution that eliminates the need for multiple separate tools.

37. Patreon

Patreon is a platform for creators to build communities, share exclusive content, and monetize their passion through direct fan engagement, offering various revenue streams like memberships and online shops.

Features:

• Tiered membership levels with different benefits
• Content delivery based on membership level
• Community building features
• Relationship management with patrons
• Analytics and insights
• Integration with creator workflows
• Mobile app for creators and patrons

Best For: Professional content creators with established audiences looking to build sustainable, recurring revenue through membership programs.

38. PayHip

PayHip is an easy-to-use platform for selling digital downloads, courses, coaching, and physical products, featuring customizable store builders, VAT handling, and integrations with tools like Zoom and Calendly.

Features:

• Digital product sales without technical skills
• E-commerce store builder with customization
• Automated VAT/tax calculation and collection
• Support for physical and digital products
• Integration with coaching tools
• Email marketing capabilities
• Affiliate program management

Best For: Entrepreneurs and creators selling a mix of digital products, services, and physical items who need a simple yet comprehensive platform.

39. Loofa

Loofa allows SaaS and digital goods merchants to optimize their payment stack by easily switching between Paddle and Stripe depending on tax requirements. This helps merchants stay compliant with global sales tax/VAT while saving on payment fees where possible.

Features:

• Dynamic routing between payment processors
• Automatic tax compliance optimization
• Cost-saving payment fee management
• Integration with both Paddle and Stripe
• Global sales tax and VAT handling
• Unified reporting and analytics
• Simplified merchant experience

Best For: SaaS businesses and digital goods sellers operating internationally who want to optimize their payment stack for both tax compliance and cost efficiency.

40. PayIt

PayIt helps small businesses manage money easily with tools for creating invoices, accepting online payments, handling accounting, and accessing expert advice in one platform.

Features:

• Invoice creation and management
• Online payment acceptance
• Integrated accounting tools
• Financial reporting and insights
• Mobile app for on-the-go management
• Expert advice and support
• Simple, intuitive interface

Best For: Small businesses and freelancers looking for an all-in-one financial management solution with simplified invoicing and payment acceptance.

41. PaymentsLabs

PaymentsLabs helps businesses handle cross-border payments in multiple currencies, ensuring compliance with tax regulations while maintaining legal and secure transactions.

Features:

• Cross-border payment facilitation
• Multi-currency support (150+ currencies)
• Global reach across 180+ countries
• Tax regulation compliance
• Secure transaction processing
• Low return rates (less than 1%)
• Simplified global payment management

Best For: Businesses with international payment needs that require both compliance and efficiency when sending or receiving funds across borders.

42. Worldpay

Worldpay is a global payment processor offering comprehensive solutions for online, in-person, and mobile payments across multiple markets. It provides payment processing services for businesses of all sizes with a focus on international capabilities.

Features:

• Global payment processing in over 146 countries
• Support for 180+ global markets
• Multiple currency processing
• Fraud prevention and risk management
• Data-driven payment optimization
• Local payment methods support
• End-to-end encryption and tokenization

Best For: Businesses with international presence that need a global payment processor with strong security features and diverse payment method support.

43. Helcim

Helcim is an all-in-one payment processor offering merchant accounts and payment solutions with transparent, volume-based pricing. It provides a range of tools for businesses to accept payments online and in person.

Features:

• Volume-based interchange plus pricing model
• No monthly fees or contracts
• Virtual terminal for online payments
• Point-of-sale capabilities
• Invoicing and recurring billing
• Online checkout integration
• Customer management system

Best For: Small to medium-sized businesses looking for transparent pricing and comprehensive payment solutions without long-term contracts or hidden fees.

44. PayJunction

PayJunction is a payment processor that combines a payment gateway with merchant services, focusing on paperless transactions and electronic signature capture. It offers solutions for various business types with an emphasis on simplification.

Features:

• Combined payment gateway and merchant account
• No-code payment integration
• Contactless payment processing
• Electronic signature capture
• Paperless receipts and documentation
• ZeroTouch credit card terminal
• Enterprise level reporting and analytics

Best For: Businesses looking to reduce paper usage while streamlining their payment processes with integrated signature capture and digital receipts.

45. PayPal

PayPal offers a comprehensive payment solution for businesses of all sizes, with widespread consumer adoption and multiple integration options. It allows businesses to accept payments online, in person, and through invoicing.

Features:

• Global recognition and consumer trust
• Multiple integration options (buttons, checkout, etc.)
• Support for international payments
• Buyer and seller protection
• Mobile payment options
• Invoicing capabilities
• Quick setup without a merchant account

Best For: Small to medium businesses looking for a widely recognized payment solution with minimal setup and broad customer acceptance.

46. Authorize.net

Authorize.net is a established payment gateway service that connects e-commerce websites to merchant account providers, offering robust security features and flexibility in processor choice.

Features:

• Compatible with multiple merchant accounts
• Advanced fraud detection
• Recurring billing capabilities
• Customer information management
• Virtual point-of-sale
• Detailed transaction reporting
• Customizable checkout experience

Best For: Established businesses that want flexibility in choosing their merchant account provider while maintaining a consistent payment gateway.

47. Stax (formerly Payment Depot)

Stax offers subscription-based payment processing with wholesale interchange rates, eliminating percentage-based markups for a predictable monthly fee structure instead.

Features:

• Membership-based pricing model
• Wholesale interchange rates
• No percentage markup on transactions
• Month-to-month contracts
• Same-day funding options
• Virtual terminal included
• API for custom integrations

Best For: Medium to high-volume merchants who want to minimize processing costs through a predictable subscription model rather than per-transaction percentage fees.

48. ACI Worldwide

ACI Worldwide provides comprehensive payment solutions focusing on enterprise-level needs, including fraud prevention, real-time payments, and merchant management services.

Features:

• Enterprise-grade payment processing
• Real-time payment capabilities
• Omnichannel payment support
• Advanced fraud prevention
• Payment intelligence and analytics
• Global payment orchestration
• Merchant management tools

Best For: Large enterprises and financial institutions that need sophisticated payment infrastructure with advanced security and real-time processing capabilities.

49. Amazon Pay

Amazon Pay allows customers to use their Amazon account information to check out on third-party websites, leveraging Amazon’s trusted payment service and user base for a streamlined checkout experience.

Features:

• Familiar Amazon checkout experience
• Access to Amazon’s customer base
• Multi-currency support
• Fraud protection services
• Voice-commerce capabilities
• Mobile-optimized checkout
• Recurring payment options

Best For: Online retailers looking to reduce checkout friction by leveraging Amazon’s trusted payment system and large customer base.

50. Mural Pay

Mural Pay is a modern payment solution focusing on high approval rates and seamless checkout experiences for digital businesses and ecommerce platforms.

Features:

• Optimized approval rates
• Smart payment routing
• Multiple payment method support
• User-friendly checkout interface
• Global payment processing
• Revenue recovery tools
• Integration with major platforms

Best For: Digital businesses and ecommerce platforms focused on maximizing conversion rates and minimizing declined transactions at checkout.

This comprehensive list now includes 50 different Stripe alternatives, each with their unique features, advantages, and target audiences to help businesses find the right payment solution for their specific needs.

51. Gumroad

Gumroad is a platform ideal for creators and small businesses, providing straightforward tools for selling digital products, subscriptions, and more. Its minimalistic design emphasizes product and creator stories rather than complex interfaces.

Features:

• Simple e-commerce tools specifically designed for creators
• Digital download delivery and subscription management
• “Discover” feature for product recommendations to customers
• Minimalistic storefront design with focus on creator stories
• Support for both digital and physical product sales

Best For: Independent creators, authors, artists, educators, and small businesses selling digital products who need a simple solution with minimal setup.

52. Flash

Flash is a bitcoin-only platform ideal for creators and small businesses, who want to tap into the growing customer segment of bitcoin users. Flash offers straightforward tools for selling digital products, subscriptions, paywalls and more. Its easy to use and doesn’t require to have a bank account. Registration only takes a few minutes.

Features:

• Accept bitcoin in a few minutes, no KYC
• Bitcoin e-commerce tools specifically designed for creators
• Digital download delivery and subscription management
• Minimalistic storefront design
• Paylinks, buttons and paywalls
• Support for both digital and physical product sales

Best For: Bitcoin shops, independent creators, authors, artists, educators, and small businesses selling digital products who seek to target 650+ million bitcoin users globally.

Key Features of Stripe in 2025

Stripe offers a comprehensive payment platform with the following key features:

• Payment Processing: All major cards and digital wallets including Visa, Mastercard, American Express, Apple Pay, and Google Pay.
• Global Reach: 135+ currencies and multiple payment methods
• Developer-Friendly: Advanced API integration capabilities for deep customization.
• Flexible Tools: Link payments for streamlined checkout, bank debits and transfers for larger payments, and international payment method support.
• Advanced Security: 3D Secure authentication, card account updater, and machine learning-driven fraud prevention through Radar Stripe.
• Business Features: Instant payouts, dispute handling, tax compliance, and analytics tools.

Stripe’s Pricing Model

Stripe’s pricing in 2025 follows a pay-as-you-go, integrated per-transaction model with no setup or monthly fees for core services:

• Cards and Wallets: 2.9% + 30¢ per transaction for domestic cards, with an additional 1.5% for international cards.
• Link Payments: 2.9% + 30¢ for domestic cards, 2.6% + 30¢ for Instant Bank Payments.
• In-Person Processing: 2.7% + 5¢ per transaction for domestic cards, additional 1.5% for international cards.
• Disputes: $15.00 per dispute.
• Instant Payouts: 1.5% of payout volume with a minimum fee of 50¢. 

Limitations of Stripe

Despite its robust offering, Stripe has several limitations that drive businesses to seek alternatives:

• Accumulating Transaction Fees: The combination of percentage-based and fixed fees can significantly impact profitability, especially for businesses with high transaction volumes or low-margin products.
• Cash Flow Challenges: Payout delays can affect business liquidity, with funds taking days or even a week to be deposited.
• Limited Customer Support: Primary support is email-based, with restricted access to phone support, which can be problematic for urgent issues.
• Account Stability Concerns: Businesses face risks of sudden account holds or terminations due to algorithmic risk assessments.
• Integration Complexity: Implementation often requires developer expertise, creating barriers for businesses without technical resources.
• Geographic Limitations: Not available in all countries, limiting global expansion for some businesses.
• Incomplete Solution: Stripe primarily offers the payment gateway component, requiring businesses to integrate additional tools for subscriptions, taxes, invoicing, and SaaS metrics.

Top Alternatives to Stripe in 2025

1. Square

Square has evolved into a comprehensive payment solution for both online and offline businesses, with particular strength in point-of-sale systems.

Key Features:

• All-in-one POS system with integrated payment processing.
• Hardware and software for in-person transactions.
• Extensive third-party integrations.
• Business management tools including inventory, appointments, and reporting.
• Quick setup with minimal technical knowledge required.

Pricing:

• No monthly fees.
• 2.6% + 10¢ per transaction for in-person payments.
• 2.9% + 30¢ for online transactions.
• Additional services like Square Banking available.

Best For: Small to medium-sized retail stores, restaurants, and service businesses that need both physical and online payment solutions.

2. Adyen

Adyen offers an enterprise-grade, end-to-end payment solution with direct acquiring capabilities and global reach.

Key Features:

• Unified platform for online, mobile, and in-store payments.
• Support for 150+ currencies and 200+ payment methods.
• Advanced fraud prevention through RevenueProtect.
• Direct acquiring model reducing intermediaries.
• Comprehensive data analytics.

Pricing:

• Custom pricing based on volume and business needs.
• Transaction-based fees vary by payment method and region.

Best For: Large enterprises with global operations, businesses requiring advanced fraud protection, and omnichannel retailers seeking unified payment infrastructure.

3. Paddle

Paddle provides an all-in-one solution specifically designed for software and SaaS companies.

Key Features:

• Complete subscription billing management.
• Merchant of record service handling tax compliance.
• SaaS-specific analytics and reporting.
• Checkout customization capabilities.
• Tax automation for global markets.

Pricing:

• Pay-as-you-go model with 5% + 50¢ per checkout transaction.
• Custom pricing available for larger businesses.

Best For: SaaS companies, subscription-based businesses, and software vendors requiring integrated tax and billing management.

4. Helcim

Helcim offers cost-effective payment processing with excellent customer support and transparent pricing.

Key Features:

• Transparent interchange-plus pricing.
• No monthly fees.
• Integrated invoicing and recurring payment tools.
• In-house payment gateway.
• Dedicated customer support.

Pricing:

• Starting at 0.40% + 8¢ per in-person transaction.
• 0.50% + 25¢ per online transaction.
• Volume discounts available.

Best For: Small to medium-sized businesses that prioritize transparent pricing and personalized support.

5. Stax Payments

Stax offers subscription-based pricing with wholesale rates, making it attractive for higher-volume businesses.

Key Features:

• Membership-based pricing model.
• Comprehensive solution with ACH payments, invoicing, and accounting.
• Advanced security features.
• Customer engagement tools.
• Reporting and analytics.

Pricing:

• Plans range from $99 to $199 per month
• Direct-cost interchange pricing (interchange + fixed markup)
• Additional add-ons available Forbes Advisor

Best For: Established businesses with higher transaction volumes that benefit from subscription pricing rather than per-transaction fees.

6. 2Checkout (Verifone)

Overview: 2Checkout provides global payment solutions with a focus on international markets and subscription management.

Key Features:

• Global reach with multiple languages and currencies.
• Robust subscription management.
• Localized payment methods.
• Tax and compliance management.
• Conversion optimization tools.

Pricing:

• Standard rate of 3.5% + 35¢ per transaction.
• Custom pricing available for higher volumes.

Best For: Digital goods sellers, subscription businesses, and companies with significant international sales.

Comparison Table

Comparison of Top Stripe Alternatives

Provider	Transaction Fees	Monthly Fees	Best For	Key Differentiator
Stripe	2.9% + 30¢ (online)	None	Developer-focused businesses	Extensive API capabilities
Square	2.6% + 10¢ (in-person), 2.9% + 30¢ (online)	None (basic)	Small businesses, retailers	Integrated POS system
Adyen	Custom pricing	Custom	Global enterprises	Direct acquiring model
Paddle	5% + 50¢ per checkout	None	SaaS businesses	Merchant of record services
Helcim	From 0.4% + 8¢ (volume-based)	None	SMBs seeking transparency	Interchange-plus pricing
Stax	Interchange + markup	$99-$199	High-volume businesses	Subscription pricing model
2Checkout	3.5% + 35¢	None	International businesses	Global payment methods