Need Better Payment Methods Than Stripe? Check Out the Top 15 Alternatives!
When it comes to banking methods, going online is usually the first choice, which is probably why many go for platforms like Stripe. Online payments are a speedy and convenient way to get banking done.
Although Stripe is not a household name when looking for online banking methods, it is one of the global leaders in this aspect. Stripe offers topnotch payments, fraud detection and flexibility. But many people look out for alternatives that have lower transaction fees and are more flexible. If you’re looking for alternatives to Stripe, we have fifteen alternatives that might suit your needs better.
Top 15 Best Stripe Alternatives
- PayPal – Best Alternative for Global Payments
- Square – Best Alternative for In-Person POS Payments
- Dwolla – Best Alternative for ACH Transactions Support
- Authorize.net – Best Alternative for Credit Cards and Wallet Transactions
- Cardinity – Best Alternative for Flexible Pricing
- Venmo – Best Alternative for P2P Payments
- Billtrust – Best Alternative for Medium-Sized Companies
- Braintree – Best Alternative for Payment Templates and Customization
- Adyen – Best Alternative for Low Processing Fees
- Amazon Payments – Best Alternative for Customizing Payment Setup
- Worldplay – Best Alternative for Multiple Payments
- Razorpay – Best Alternative for Small to Medium-Sized Businesses
- Coinbase – Best Alternative for Cryptocurrency Transactions
- 2CheckOut – Best Alternative for eCommerce Businesses
- PaymentCloud – Best Alternative for High-Risk Businesses
1. PayPal – Best Alternative for Global Payments
Pricing: Starts with 2.9% + $0.30, 2.7% for POS machines
If your online business is targeted towards a global market, you would do well with PayPal as a Stripe alternative. PayPal is available in almost any country you can choose from, unlike with Stripe that has a more limited coverage. This payment method can be easily integrated into any business platform, and has similar payment structures to Stripe. It is also great with preventing fraud.
| Pros | Cons |
| Global payment platform. | Inconsistent phone-based customer service. |
| Easy integration into POS and online businesses. | Limited seller protection. |
| Gives access to developer tools. | – |
| Features checkout templates. | – |
| Advanced fraud detection. | – |
| Ideal for all businesses. | – |
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2. Square – Best Alternative for In-Person POS Payments
Pricing: Starts at 2.9% + $0.30
Square emerged around the same time at Stripe, so they are both direct competitors. With straightforward functionality and excellent payment services, Square would give you wide support for many kinds of payments. The highlight of the platform is the in-person POS payment services, although its operation is limited to UK, US and Australia. It’s an ideal platform for businesses that need a payment platform instantly.
| Pros | Cons |
| Great for in-person POS payments. | Not ideal for larger businesses. |
| Diverse payment options. | Issues with the account stability. |
| Seamless integration with businesses. | – |
| Topnotch fraud detection. | – |
| Allows for automatic recurrent billing. | – |
| Impressive ACH transfer. | – |
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3. Dwolla – Best Alternative for ACH Transactions Support
Pricing: Starts at 0.5% + $0.50
Dwolla is the most affordable Stripe alternative on our list, with fees as low as 0.5% + $0.50. There is also no monthly fee or hidden charges. It supports ACH transactions brilliantly and also include a merchant account, plus it’s a developer friendly platform that allows for customization and documentation. But the platform is only available in the US.
| Pros | Cons |
| Cheap and low transaction fees. | Can’t add credit cards as a backup source. |
| Seamless integration with online businesses. | Limited to the US. |
| Customized payment setup. | – |
| Includes merchant account. | – |
| Provides fraud prevention. | – |
| No monthly or hidden fees. | – |
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4. Authorize.net – Best Alternative for Credit Cards and Wallet Transactions
Pricing: Starts at $0.10 per transaction, $25 flat monthly fee
One of the oldest platforms for processing payments online is Authorize.net, which is ideal for wallet and credit card transactions. The platform is a more limited Stripe alternative because it does not deal with merchant accounts. Transactions are also protected with fraud detection, although it does not have global coverage. Authorize.net is a great choice if you want another cheap Stripe alternative.
| Pros | Cons |
| Cheap payment gateway. | Cluttered UI. |
| Accepts almost all credit cards. | Limited payment options. |
| Simple checkout and operation. | – |
| Advanced fraud detection services. | – |
| Automatic recurring payments. | – |
| Provides invoices. | – |
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5. Cardinity – Best Alternative for Flexible Pricing
Pricing: Starts at 1.35% + €0.25
Cardinity is another flexible and affordable alternative to Stripe in terms of pricing, as it offers cheap processing and no monthly fees. It also supports recurring payments, invoicing and security for fraud detection. The platform accepts different credit and debit cards, and offers an all-in-one payment solution. It’s a great payment processor for European customers, and is developer friendly so you can integrate it into your business.
| Pros | Cons |
| Great subscription management. | Inefficient customer service. |
| No monthly pricing and flexible costs. | No free trial. |
| Global payment service. | – |
| Automatic recurring payments. | – |
| Includes a merchant account for businesses. | – |
| Easy to integrate. | – |
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6. Venmo – Best Alternative for P2P Payments
Pricing: Free
If you’re looking for a good platform for user friendly, P2P payments, then you would do great with Venmo. It also meets different payment needs, and is easy to setup. You can easily link the app to your debit card, and transfer funds to different accounts. It can be used for everyday transactions and for businesses too. But you would have to deal with a 3% fee on credit cards.
| Pros | Cons |
| Great for peer to peer payments. | You can only shop with the Venmo balance in the US. |
| Gives you a Venmo card. | 3% fees on credit cards. |
| Easy to setup and implement. | – |
| Variety of payment uses. | – |
| Offers cashback rewards. | – |
| Ideal for everyday transactions. | – |
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7. Billtrust – Best Alternative for Medium-Sized Companies
Pricing: Between 1.8% and 2.5% the total value of the transaction.
If your medium-sized business requires a payment solution, then Billtrust would be an ideal choice for you. It offers high-grade security against fraud and supports different kinds of payment methods. It also offers lower payments than Stripe, and no additional costs on credit card payments. You can also facilitate B2B payments easily with this platform and give your customers variety. Billtrust also sets itself apart as a Stripe alternative with the order-to-cash cycle.
| Pros | Cons |
| Offers B2B payments and order-to-cash cycle. | Not all invoices are accessible. |
| Flexibility with diverse payment methods. | Confusing user interface. |
| Security against fraud. | – |
| Low payment fees. | – |
| Ideal for all kinds of businesses. | – |
| It is highly convenient. | – |
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8. Braintree – Best Alternative for Payment Templates and Customization
Pricing: Starts at 2.9% + $0.30
Braintree is next on our list of Stripe alternatives, and it is the best one to go for if you need payment templates and want to customize checkout forms for your business. You also get access to ACH transfer and automatic recurring billing, plus it features a global reach since it is under PayPal. Braintree would also give you cheaper transactions because you don’t have to pay separately for advanced APIs.
| Pros | Cons |
| Easily integrated into online platforms. | No American Express. |
| Includes payment templates. | Inefficient customer service. |
| Easy to customize checkout forms. | – |
| Offers advanced APIs without extra cost. | – |
| Fraud detection is offered. | – |
| Global payments reach. | – |
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9. Adyen – Best Alternative for Low Processing Fees
Pricing: Starts at 0.6% + $0.12 for Visa and MasterCard; 3.95%+ $0.12 for Amex
The next top platform that works great as a Stripe alternative is Ayden, which offers low processing fees when you compare it to Stripe. It has a large base of merchants and although it’s a small company, it has a wide range of payment options to choose from. It features merchant accounts too, with a global reach to Europe, Africa and Asia. If your business is catering to these regions and run a small business, then Ayden is a great payment platform for you.
| Pros | Cons |
| Cheap processing fees. | Complicated user interface. |
| Ideal for small businesses. | Is not well catered to all businesses. |
| Includes a merchant account. | – |
| Offers a fraud prevention feature. | – |
| Easy to integrate into online platforms. | – |
| Global reach. | – |
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10. Amazon Payments – Best Alternative for Customizing Payment Setup
Pricing: Starts at 1.95% with taxes.
Amazon Payments is another topnotch Stripe alternative, with a global reach, different localized features and allows you to customize payment setups. The platform is also developer-friendly and tailed towards global businesses. You can setup invoice management, fraud detection and other services without extra cost. Amazon Payment can be easily customized based on your business size.
| Pros | Cons |
| Wide global reach. | Limited payment methods. |
| Integrated with POS. | |
| Top-notch fraud detection. | – |
| Easy subscription management. | – |
| Offers developer friendliness. | – |
| No monthly charges. | – |
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11. Worldplay – Best Alternative for Multiple Payments
Pricing: Starts at 2.75% + €0.20 or €19.95 flat monthly charge with 0.75% debit card and 2.75% credit card charges.
Worldplay is another great Stripe alternative for POS systems, in-person sales and many forms of payments including bank transfers, credit and debit cards and mobile wallets. It has cheaper payment processing for large businesses conducting many transactions, and access to many tools for proper payments. You can also customize checkout forms. It’s a great platform if you run a business in the UK.
| Pros | Cons |
| Large global reach. | Not a lot of chargeback support. |
| POS support. | Inefficient customer service. |
| Topnotch fraud prevention. | – |
| Easy customization of checkout templates. | – |
| Simple subscription management. | – |
| Automatic recurring billing. | – |
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12. Razorpay – Best Alternative for Small to Medium-Sized Businesses
Pricing: Starts at 2% for Indian cards, wallet and UPI; 3% for Amex and international cards.
Razorpay is a top online payment method in India, and now offers services in many other countries. The Stripe alternative is ideal for small to medium-sized e-commerce platforms. It offers low charges on transactions, with no setup or maintenance fees, and comes with fraud detection and protection. You also get developer tools for customization.
| Pros | Cons |
| Offers flat-rate processing fees. | Isn’t available in many places. |
| No monthly fees or setup fees. | It isn’t used by all businesses. |
| Supports a variety of cards and banks. | – |
| Offers advanced developer tools. | – |
| Very easy to setup. | – |
| Easy to integrate for all businesses. | – |
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13. Coinbase – Best Alternative for Cryptocurrency Transactions
Pricing: Up to 1.5%
If you need a Stripe alternative for cryptocurrency, Coinbase is an ideal platform for you to go for. The platform allows you to buy, sell and trade cryptocurrency, so you can accept crypto as a payment for your business and also pay clients that way too. Coinbase offers topnotch privacy and flexibility. You can schedule buys and store your funds in a vault.
| Pros | Cons |
| Easy to manage portfolio. | Does not always include the latest data. |
| Ideal for buying and selling cryptocurrencies. | High transaction fees. |
| Set schedules for buying coins. | – |
| You can store funds in a vault. | – |
| Offers security and privacy. | – |
| Can be used by individual and businesses. | – |
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14. 2CheckOut – Best Alternative for eCommerce Businesses
Pricing: Starts at 3.5% + $0.35
If you’re running an eCommerce business and have a global reach, 2CheckOut is an ideal Stripe alternative. It is a third-party payment processor, although it only processes transactions without the card. The platform is easy to setup and offers extensive support for CNP transactions and customize your eCommerce website or app.
| Pros | Cons |
| Flexible pricing system. | No card-present transactions. |
| International support. | Not ideal for high-risk merchants. |
| Easy to setup. | – |
| Support or CNP transaction. | – |
| Month-to-month billing. | – |
| You can negotiate the transaction fees. | – |
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15. PaymentCloud – Best Alternative for High Risk Businesses
Pricing: Varies.
Although Stripe can be used by many kinds of businesses, PaymentCloud is much better for high risk businesses who have a hard time with maintaining your Stripe account. Their transaction fees also vary from customer to customer, which ensures that you don’t have to pay high fees on high transactions. It is usually recommended for high risk businesses and offers topnotch customer service.
| Pros | Cons |
| Great for high risk businesses. | No fixed pricing. |
| Topnotch customer support. | Difficult to navigate the website. |
| Reasonable transaction rates. | – |
| Same day setup. | – |
| Ideal for brick and mortar businesses. | – |
| Free online app. | – |