Stripe
Payment Processor
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TL;DR
Stripe is a developer-centric online payment processor known for its flat-rate pricing, extensive feature set, and global reach. It enables businesses to accept credit cards, digital wallets, ACH, and many local payment methods through a single platform. No monthly fees or long-term contracts are required, making it easy to start and stop as needed. However, Stripe’s advanced capabilities come with a learning curve for non-technical users, and its automated risk controls can lead to account freezes for some merchants. In essence, Stripe excels in flexibility and scale: it’s highly customizable via APIs, supports 135+ currencies and dozens of payment methods, and offers value-added services like subscription billing, invoicing, and fraud prevention. The trade-off is that it’s built for builders – businesses with technical resources will get the most out of Stripe, while those seeking a plug-and-play solution might find it overwhelming. Additionally, funds may be held if Stripe’s algorithms perceive high risk, which is a common pain point in user reviews.
About
Stripe is a leading payment processor known for its developer-friendly API, transparent pricing, and comprehensive suite of payment solutions for businesses of all sizes.
Products & Services
No products or services information available.
Pricing Details
Online card and digital wallet payments (domestic): 2.9% of transaction + $0.30 USD per successful charge.
In-person payments (via Stripe Terminal/card reader): 2.7% + $0.05 USD per successful transaction for domestic cards.
Processing Rates
Online Transactions
Card-not-present, e-commerce, and online payments
2.9% + $0.30
Per transaction
In-Person Transactions
Card-present retail and point-of-sale transactions
2.7% + $0.05
Per transaction
International Transactions
Cross-border and foreign currency transactions
+1.5% + ~1% for conversion
Per transaction
Fees
Monthly Fee
No monthly fees
Recurring monthly account fee
Setup Fee
No setup fees
One-time account setup and onboarding fee
PCI Compliance Fee
No separate PCI fee
Annual PCI DSS compliance and security fee
Statement Fee
No monthly statement fee
Monthly account statement and reporting fee
Chargeback Fee
$15 per chargeback
Per-incident chargeback dispute fee
Early Termination Fee
No early termination fee under the pay-as-you-go model
Fee for canceling before contract end
Payouts
Standard Payout Time
First Payout takes 7 - 14 days / After that transaction + 2 business days (in many countries)
Regular deposit schedule to your bank account
Expedited Payout Time
Within 30 minutes (when eligibility criteria are met)
Faster deposit option (may have additional fees)
Minimum Payout Amount
One base unit of the local currency
Minimum balance required before payout
Contract Terms
Contract Length
Required commitment period
No long-term fixed contract requirements for standard services / 1-year minimum commitment for add-ons and enterprise services
Cancellation Process
How to terminate your account
Free for standard / Charges for cancelling add-on contract early
Security & Compliance
PCI Compliance
Payment Card Industry Data Security Standard compliance level
PCI Level 1 certified (highest level); Stripe Elements reduces PCI scope for merchants
Fraud Prevention
Fraud detection and prevention tools
Stripe Radar provides machine learning-based fraud detection and prevention
Data Encryption
Encryption standards for data at rest and in transit
TLS encryption for data in transit; encryption at rest for sensitive data
Accepted Payment Types
Credit & Debit Cards
Visa
Mastercard
American Express
Discover
JCB
Diners Club
UnionPay
Digital Wallets
Apple Pay
Google Pay
Microsoft Pay
Link by Stripe
Bank Transfers
ACH direct debit / eChecks
SEPA credit transfer
Alternative Payment Methods
Klarna
Affirm
Afterpay/Clearpay
Integrations
E-commerce Platforms
Compatible shopping cart and online store platforms
WoocommerceBigCommercePrestaShopShopware 6
4 integrations available
Accounting Software
Sync transactions with your accounting tools
XeroQuickBooksZoho Books
3 integrations available
CRM Systems
Connect with customer relationship management platforms
HubSpotNutshellAgileCRM
3 integrations available
Other Integrations
Additional third-party integrations and tools
NetSuiteSnowflakeAmazon Redshift
3 integrations available
Special Features
Subscription Management
Manage recurring subscriptions and billing cycles
Supported
Invoicing
Create and send professional invoices
Supported
Marketplace Tools
Multi-vendor marketplace functionality
Supported
Virtual Terminal
Accept payments manually via web interface
Supported
Recurring Billing
Automated recurring payment processing
Supported
Multi-Currency Support
Accept and process multiple currencies
Supported
Top Competitors
No comparison available
Support & Contact
Support Types
emailchatkbvideo
Quality Assessment
Stripe's customer support quality receives overwhelmingly negative reviews from users. Common complaints include slow response times, difficulty reaching knowledgeable representatives, automated or unhelpful responses, and poor communication between frontline and senior support teams
Stripe Pricing Calculator
Estimate your monthly costs
This calculator provides an estimate based on available pricing information. Actual costs may vary. Contact Stripe for a personalized quote.
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Estimated Monthly Cost
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Effective Rate
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Number of Transactions200