Stripe is one of the most popular payment solutions in today’s market. It boasts easy integration, custom APIs, support for subscriptions and recurring payments, fraud protection, and more.
It's a top choice for businesses seeking a versatile and secure payment solution. In fact, BuiltWith data indicates that over 1.5 million live websites use Stripe.
However, while Stripe is a leader, it isn’t necessarily ideal for every business. That's why it’s important to explore the best Stripe competitors to understand the key players in the industry.
This way, you’ll also have more data to make an informed decision about which payment processing platform fits your business.
We’ve compiled a list of the top 13 Stripe alternatives, including key features, pros and cons, and potential money-saving avenues.
Let’s get started.
We evaluated these Stripe competitors based on the following factors:
Although Stripe is a popular payment processor, reviewing alternatives like these 13 Stripe competitors may be better suited for your business needs and budget.
Keep reading to compare key details and make an informed choice.
Image via Verifone
Verifone (formerly 2Checkout) is among the Stripe competitors specializing in global payment processing for companies selling digital goods.
It supports major cards, popular digital wallets, and over 45 localized payment methods. Its coverage spans over 200 countries (against Stripe’s 46) and 100 currencies. It also includes multi-language support.
Verifone offers billing and subscription management. Not to mention, the platform has customized checkout experiences and can adapt to fit business needs.
Verifone is an all-in-one solution offering payment gateway and merchant account options that help you scale your ecommerce business.
Key Features
Pros
Cons
Pricing
Verifone offers four plans depending on your business requirements:
Image via Verifone
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Usability
Pro Tip: Head to Verifone Central to view your payment history and manage all your transactions from every payment method.
Image via PayJunction
Stripe competitors like PayJunction offer payment processing for in-person and online transactions. It’s a payment gateway and merchant services provider with multi-channel payment processing.
Its smart terminal supports EMV, contactless payments like Apple Pay, and magstripe cards. It also accepts all major credit cards and ACH transfers. You also get recurring billing and subscription management.
PayJunction provides several features in a unified platform, helping your business thrive and scale.
Key Features
Pros
Cons
Pricing
PayJunction has two tiers:
Image via PayJunction
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Usability
Pro Tip: Make sure to integrate PayJunction with your existing accounting software to keep your financial records organized and up-to-date.
Image via Adyen
Adyen is an end-to-end global payment processor. It’s a multichannel payment platform that allows you to receive ecommerce, mobile, in-store, and POS payments. It also offers merchant accounts and a payment gateway.
Of all Stripe competitors, none unifies data across in-store, online, and in-app transactions like Adyen. It calls itself a “financial technology platform for the modern era.”
It gives you access to 150+ payment methods, including credit cards, ACH transfers, digital wallets, and localized payment methods.
Key Features
Pros
Cons
Pricing
Like several Stripe alternatives, Adyen uses an interchange+ price model:
Images via Adyen
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Usability
Pro Tip: Enable the ‘1-Click’ feature by adding a payment field in your customers’ profile and saving their payment data. Customers will only need to click the pay button once to complete their transaction.
Image via Younium
Younium is among the top Stripe competitors that simplify subscription management. It’s an all-in-one tool that streamlines the full lifecycle of customer subscriptions.
Removing the need for spreadsheets and manual processes, Younium allows businesses to automate billing, manage complex subscriptions, and ensure tax compliance.
Younium enables accurate financial reporting and revenue recognition. It also supports various pricing models and flexible billing schedules. A SOC 2-compliant subscription management system, Younium integrates seamlessly with your tech stack for improved efficiency and a seamless workflow.
Key Features
Pros
Cons
Pricing
The website doesn’t provide pricing information. However, you can fill out a form to request a demo and quote.
Tool Level
Usability
Pro Tip: Take full advantage of Younium’s custom dashboards and real-time reporting tools to closely monitor key subscription metrics like MRR (Monthly Recurring Revenue), churn rate, and customer retention.
Image via Square
Square is among the best Stripe competitors tailored towards retail, restaurants, and mobile businesses. It’s known for providing integrated solutions for payment processing and point-of-sale needs.
The platform offers easy-to-use POS software and hardware to facilitate smooth in-person payments. It’s also one of the best SaaS billing software, making online payments simple by accepting major cards. It also provides contactless payment options like Apple Pay, contactless cards, and ACH transfers.
You also get tools to manage recurring billing, invoicing, inventory management, and loyalty programs for customer retention. Additionally, you can enjoy instant deposits and predictable pricing with no monthly fees.
Key Features
Pros
Cons
Pricing
Square plans typically charge processing fees – either in person, online, card, or invoice transactions. The plans include:
Image via Square
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Usability
Pro Tip: Leverage the Square Customer Directory to boost customer relationships.
Image via Inuit QuickBooks
You can combine QuickBooks Payments with your QuickBooks accounting system to create an integrated accounting and payment platform.
That’s why it’s becoming notable among Stripe competitors. It automates payment tracking, invoicing, and receipts organization. It also supports in-person, online, and on-the-go payments.
Furthermore, QuickBooks Payments accepts all major credit and debit cards, bank transfers/ACH, and digital wallets like Apple Pay. You’ll get card readers for chip, tap, and contactless transactions to smoothen in-person payments.
Key Features
Pros
Cons
Pricing
If you just need to accept payments, the free QuickBooks Money plan provides money management features and allows paying per transaction. Other plans add an accounting component.
Image via Inuit QuickBooks
Tool Level
Usability
Pro Tip: To resolve a deposit error, just delete and recreate the payment. You don’t need to reprocess the card.
Image via PayPal Braintree
PayPal Braintree is another of Stripe's competitors, offering a payment gateway and merchant account for added control and customization.
The platform supports several payment methods, including major credit cards, PayPal, Apple Pay, Google Pay, Venmo, and local payment methods.
PayPal Braintree partners with PayPal's Zettle readers to help you handle in-person payments.
Key Features
Pros
Cons
Pricing
PayPal Braintree provides predictable fees for various payment methods:
Image via PayPal Braintree
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Usability
Pro Tip: Maximize your reach by leveraging PayPal Braintree’s multi-currency and multi-payment method capabilities.
Image via Payoneer
Payoneer is among the best Stripe competitors for small businesses, freelancers, and contractors. It allows you to send and receive payments without a merchant account.
However, direct billing isn't possible. Instead, you request payment on the platform and wait for customers to send funds.
You can then withdraw the funds to your bank account or use the Payoneer debit card for ATM withdrawals.
Key Features
Pros
Cons
Pricing
Here are the fees associated with Payoneer:
Image via Payoneer
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Usability
Pro Tip: Take advantage of Payoneer's ability to receive payments in multiple currencies and withdraw funds to your local bank. This minimizes conversion fees and expedites access to your earnings.
Image via Authorize.net
Authorize.net is another stripe competitor that offers a payment gateway and merchant account services, supporting 130+ currencies.
It supports major credit cards, debit cards, e-check payments, and digital wallets like Apple Pay. You can also manage recurring billing for subscriptions, digital invoicing, and POS.
The platform lets you choose between an all-in-one option with a merchant account included or gateway-only if you already have a merchant account.
On top of that, Authorize.net offers plugins for easy ecommerce integration with multiple ecommerce tools and a user-friendly dashboard for simple payment management.
Key Features
Pros
Cons
Pricing
Like other Stripe competitors, Authorize.net offers several tiers, all with a $25 monthly gateway:
Image via Authorize.net
Tool Level
Usability
Pro Tip: Activate your Payoneer Commercial Mastercard® to unlock higher daily spending limits and access multiple digital cards.
Image via Helcim
Helcim is a viable option for those running a small or medium-sized business or looking to start an ecommerce business. Among the Stripe competitors on this list, this payment processor has a relatively low cost.
It offers secure payment processing paired with excellent customer service and competitive interchange-plus pricing.
Most importantly, you’ll get a payment gateway and merchant account combined into an all-in-one advanced solution.
The platform supports all major credit cards, debit cards, digital wallets, and ACH bank-to-bank transfers.
Key Features
Pros
Cons
Pricing
Here are the costs involved in Helcim, depending on the payment method:
Image via Helcim
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Usability
Pro Tip: Save up to $500 on processing fees by switching to Helcim from another provider.
Image via PayPal
Of all Stripe competitors, PayPal is perhaps the most well-known. It can handle online payments via credit and debit cards, and digital wallets like Apple Pay and Google Pay. It also accepts payments through online ACH/bank transfers and crypto, including PayPal USD, Bitcoin, and more.
You can sign up for a PayPal merchant account that accepts major credit and debit cards, PayPal balances, bank transfers, and more.
This account has handy features, including invoicing and payment processing tools. It also allows integration into existing payment systems and websites, regardless of which website builder was used. This distinguishes it from personal PayPal accounts.
Key Features
Pros
Cons
Pricing
Here are PayPal’s prices for different payment methods:
Image via PayPal
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Usability
Pro Tip: Implement PayPal Checkout to intelligently present relevant payment types to your customers.
Image via iATS
Did you know that there are over 1.5 million nonprofits in the US alone? These organizations also need a dedicated payment solution, particularly for donations.
iATS is among the top Stripe competitors designed for nonprofits. It unifies international, CDN, USD, and ACH processing and management.
Features like tailored fraud protection and the option for donors to cover transaction costs are among the reasons it outshines other Stripe competitors. Moreover, its Deluxe payment processing services allow you to create online forms and webpages effortlessly.
It's no wonder that more than 16,000 nonprofits trust iATS.
Key Features
Pros
Cons
Pricing
Tool Level
Usability
Pro Tip: Leverage iATS Payments' pre-populated donation forms to save time for recurring donors and simplify the payment process.
Image via Wave
Wave is one of the best Stripe competitors designed for small business owners, freelancers, and entrepreneurs. This money management platform offers a comprehensive suite of tools to simplify invoicing, payments, accounting, and payroll.
With Wave, you can create professional invoices, accept online payments via credit card or bank transfer, and easily track income and expenses.
Moreover, its user-friendly payroll system ensures quick staff payments. If you need help with bookkeeping and accounting, one of their expert advisors will be ready to help.
Key Features
Pros
Cons
Pricing
Wave offers two pricing plans:
Image via Wave
Tool Level
Usability
Pro Tip: Take advantage of Wave’s recurring billing feature to automate invoices for repeat clients.
Q1. What exactly does Stripe do?
A. Stripe is a payment gateway and payment processor with an inbuilt merchant account. It provides a reliable and secure payment infrastructure to send and accept in-person and various online payment methods and currencies.
Q2. Who are Stripe's biggest competitors?
A. The top Stripe competitors include:
Q3. Why should I consider these Stripe competitors?
A. You should consider these Stripe competitors because they offer:
Q4. Which is better, Stripe or PayPal?
A. It depends on what you're looking for. Stripe is better for developers and high-volume ecommerce sales. On the other hand, PayPal is a better fit for small businesses. It offers a user-friendly experience and broader consumer recognition.
Q5. What should I look for in a Stripe alternative?
A. Consider core features, security, ease of use, pricing, and your specific business needs when looking for Stripe alternatives. Look for a provider that offers the capabilities you require at affordable rates.
Stripe is an excellent payment processor for many businesses. However, it pays to explore competitors that may better serve your specific needs.
This overview of the top 13 Stripe competitors gives flexible options to choose from for your payment infrastructure.
Assess your business requirements, capabilities offered, and costs to determine the optimal payment processing partner.
Which platform do you think will better serve your needs? Tell us why below.
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