Ecommerce Alternative To Square Or Stripe

The All-time Stripe Alternatives & Competitors For Small Businesses

Stripe is a great pick for many businesses, merely it isn’t ideal for anybody. Balance assured that in that location are numerous alternatives to Stripe, including Square, Amazon Pay, and more.

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Stripe isn’t quite a household name the way another companies are, but it’southward prophylactic to say this payment processing company has washed a lot to change the way people pay online. It has opened up the potential for merchants all over the world to sell online and reach customers virtually anywhere. Merely fifty-fifty if y’all don’t aspire to run a global empire, Stripe has powerful tools for billing and subscription direction, customized online checkouts, and plenty more.

Like its competitor Foursquare, the company has expanded its services and grown massively over the years, to the betoken that Stripe says in that location’southward an 89% take chances whatsoever given credit/debit carte du jour has been used on the Stripe network previously. Stripe’due south customer listing includes behemothic companies in all kinds of industries, from retail to software and so much more, which no dubiousness plays into that statistic.

Merely what if yous don’t want to use Stripe? Below, we’ll accept a await at some Stripe competitors and alternatives to Stripe.

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Table of Contents

  • Are Stripe Competitors Really Better Than Stripe?
  • eleven Stripe Competitors & Alternatives You Need To Consider
    • 1. PaymentCloud
    • 2. National Processing
    • 3. Square
    • 4. Host Merchant Services
    • 5. Helcim Merchant Services
    • six. Stax By Fattmerchant
    • 7. 2Checkout
    • 8. PayPal & Braintree
    • 9. Dwolla
    • 10. Adyen
    • eleven. Amazon Pay
  • three Things To Look For In A Stripe Culling
  • Which Stripe Alternative Is Right For Your Business?
  • Mutual Questions About Alternatives To Stripe
    • Who are Stripe’s competitors?
    • Are there cheaper alternatives to Stripe?
    • Is Stripe the best payment gateway?
  • In Summary: xi Stripe Competitors & Alternatives You Demand To Consider

Are Stripe Competitors Actually Better Than Stripe?

It’southward hard to say whether Stripe competitors are truly improve, because the answer is probable different for different merchants.

If you desire a full breakdown of everything Stripe has to offer, read our comprehensive review of Stripe. In meantime, here’s a summary of Stripe’due south strengths.

  • Customizable:
    Stripe’s API is a big part of why it’s so widespread. If y’all’re comfortable writing code or take someone in-house who is, you lot’ll take a keen playground to work in with excellent documentation. Not technical? There are tons of prebuilt store pages, configurations, and integrations to choose from.
  • Global:1 of the most pregnant benefits of eCommerce is the power to, theoretically, sell anywhere in the earth. In practice, there are a lot of complications to doing business organisation outside of your borders. Stripe makes it a lot easier by supporting over 135 currencies (information technology’s available to merchants in 34 countries) as well as helping you navigate local policies, such every bit VATs and sales tax.
  • Competitive Pricing
    It’s not the cheapest service of its kind, but Stripe’s flat rates are predictable and transparent, and you get a lot of value for what you pay.
  • Billing & Subscription Management:Stripe supports recurring payments, making it easy to offering subscription-based services or products.

Information technology should be noted that there aren’t whatever Stripe competitors that are exactly like Stripe.

Stripe’s arroyo to payment processing is to exist a “full stack” payment processor, a complete, all-in-one service for online sales. There are similar companies, but none that accept Stripe’s verbal approach.

That said, there are other services in its niche that could be considered “ameliorate” if they meet your needs, and preferably at a lower price with better account stability.

11 Stripe Competitors & Alternatives You lot Need To Consider

If you have concerns about Stripe, or yous are an existing customer who is curious about what else is out there, rest assured that there are numerous alternatives to Stripe, including Square, Amazon Pay, and Braintree. Keep on reading to notice out more most Stripe’s tiptop 11 competitors.

1. PaymentCloud


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Best for high-gamble businesses that are rejected by 3rd-party processors like Stripe.


  • High-risk specialist

  • Reasonable rates and fees

  • Excellent customer support


  • No publicly disclosed pricing

Stripe tin can accommodate many types of businesses, domestic and international, just high-run a risk businesses will have an extremely hard time getting and maintaining a Stripe account. Third-party processors similar Stripe (and PayPal) aggregate their customers into larger merchant accounts. As a result, they shun businesses that might cause have an unusually loftier corporeality of fraudulent transactions or chargebacks.

For businesses that autumn through the cracks, in that location are processors like PaymentCloud. PaymentCloud is a loftier-gamble specialist that comes highly recommended by some of the better low-risk processors in the businesses–Dharma Merchant Services, for example, refers their high-hazard applicants to PaymentCloud. Because they’re a loftier-risk processor that shops your profile effectually to find a merchant account match, pricing volition vary from customer to client, but we encourage applicants to request interchange-plus pricing (it never hurts to ask).

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2. National Processing

National Processing

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Best for businesses that do a lot of ACH transactions.


  • Total line of Clover terminals and POS systems

  • Splendid online reputation

  • Low-cost echeck/ACH payment processing

  • Interchange-plus and membership pricing are offered exclusively


  • “Gratuitous” equipment may require a long-term contract

  • Early termination fee charged for “gratuitous” equipment

National Processing may non exist a household proper noun in the payment processing world, but information technology’due south among the all-time in the business, specially when it comes to servicing small and medium-sized businesses.

National Processing provides extensive pricing disclosures on its website, exhaustively detailing its interchange-plus and membership pricing models to prospective customers. Plans are tailored to specific industries, each of which has a different processing rate (restaurants, in particular, make out well hither). If you need ACH processing, National Processing offers it as an add together-on for $xv/calendar month and a $0.48 fee per transaction, making it quite cost-effective for businesses that have subscription-based services.

1 signal of caution with National Processing is that the “free” equipment offerings come with long-term contract obligations, so make sure you know what you lot’re getting into if you lot decide to go that route.

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3. Square


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Best for low-book merchants that brand in-person also as online sales.


  • Anticipated flat-rate pricing

  • No monthly fees

  • Impressive feature gear up

  • Affordable chip card readers


  • Account stability issues

  • Not suitable for high-risk industries

Square started as a mobile POS app, simply these days, it’s become an entire business organisation ecosystem with support for in-person and online sales. (Bank check out our Foursquare vs. Stripe comparison for a closer expect.) This alternative to Stripe offers seamless advanced inventory management at no boosted charge, plus online order direction, invoicing, a client database, very solid reporting tools, and, recently, in-app purchases. Like Stripe, Square uses flat-rate pricing: 2.9% + $0.30 for online transactions, 2.6% + $0.10 for swiped/dipped/tapped transactions.

The biggest drawback is that Square is only available to merchants in a handful of countries, whereas Stripe (and many of the other options on this listing) has a much more global achieve. As well, Square is a third-party processor but like Stripe, pregnant merchants can get set quickly merely face a potential for funding holds and account terminations.

With that said, Square’s documentation and APIs let you to build a organization that tin easily conform online and in-person sales, reporting, inventory, and more, using Square’southward already robust tools. The APIs aren’t limited just to payments but also include inventory and catalog direction, employee direction, and customer database management. That adds some serious value because you lot don’t demand to pay for third-political party add together-ons to handle inventory, customer date, and other peripheral tasks.

Foursquare doesn’t match Stripe in the number of available integrations. However, it does accept many options spanning a vast assortment of merchant needs, from eCommerce and accounting integrations to healthcare management, recurring billing, marketing, and plenty more.

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4. Host Merchant Services

Host Merchant Services

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Best for mid-sized businesses.


  • No long-term contracts

  • Transparent interchange-plus pricing

  • No setup fees

  • Good customer back up

  • Loftier-risk merchant accounts offered


  • Expensive for low-volume merchants

  • Monthly fee

Businesses looking for a more stable alternative to Stripe may want to consider Host Merchant Services. Host Merchant Services provides total merchant accounts to its clients, so you won’t accept to worry virtually freezes and holds every bit much. This comes at the toll of $14.99/calendar month, but businesses that process over $10,000 should be able to make up that cost in transaction savings.

Host Merchant Services charges interchange + 0.35% + $0.10 on eCommerce transactions, though higher book businesses may be able to negotiate a better rate. Additionally, Host Merchant Services has first-class support for brick and mortar businesses, peculiarly restaurants.

Finally, Host Merchant Services is willing to piece of work with high-risk businesses that Stripe won’t touch. Just be aware that you’ll be looking at less favorable terms than the ones above.

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5. Helcim Merchant Services


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Helcim is now available with NO MONTHLY FEE. Offset Here!

Best for businesses that sell internationally and need a scalable processor.


  • Scalable fee structure

  • No long-term contracts or monthly fees

  • Processing costs decrease with concern growth

  • Accepts international payments


  • Not suitable for high-gamble industries

Companies similar Stripe, Foursquare, and PayPal offer a very convenient platform that many higher-volume processors may struggle to match. While many processors leave depression-volume merchants to the big brands, Helcim Merchant Services battles them on their own terrain while still offering high-volume savings to their larger customers.

Helcim’s feature fix, while it may not wait quite as polished as Stripe’south, is certainly competitive with information technology. You’ll go comprehensive international support, an online shop, and solid developer tools. If you’re making sales offline, you’ll be able to make employ of Helcim’due south point of sale features, which can be run off a calculator or mobile device.

One of the more than interesting things almost Helcim, still, is its pricing organisation. Rather than adopt a single pricing model, information technology offers iii dissimilar ones, each tailored to the volume of the client. Low book businesses will get elementary flat-rate pricing (similar to Stripe’south) starting at + $0.08. Higher volume businesses will go interchange-plus pricing.

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6. Stax By Fattmerchant

Stax by Fattmerchant

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Best for domestic, loftier-volume businesses that want a tidy, centralized platform.


  • Transparent membership pricing

  • No percentage markup for transactions

  • Month-to-month billing

  • Convenient centralized platform


  • United states of america-merchants simply

  • Not suitable for low-volume businesses

Stripe’s simple, predictable flat-rate pricing is very expert for low-book businesses, but the last thing high-volume businesses want is to pay a high fee per transaction. Those businesses, provided they sell entirely within the Us, may want to check out Stax by Fattmerchant.

Stax uses wholesale pricing, which means rather than pay a per centum markup on each transaction, you’ll pay a monthly membership fee and but a flat fee per transaction (you nonetheless have to pay the interchange charge per unit — that’south inescapable). The fees are $99/calendar month for interchange + $0.08 or interchange + $0.15 rates per transaction (card-present and card-not-present fees, respectively) for businesses that exercise up to $v,000,000 in transactions annually. If you’re processing more that, yous’ll demand to contact Stax for a custom quote. Your payment gateway is included at no extra toll.

Stax’s developer tools and API aren’t every bit slick as Stripe’south, simply they’ll be more than than serviceable for most businesses. The Stax Pay integrated payments platform offers a prissy, user-friendly way to centralize your transaction information. Stax Pay goes for $49/calendar month, $89/calendar month, or $129/calendar month, depending on the subscription package y’all choose.

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seven. 2Checkout


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Best for internationally focused eCommerce businesses that don’t want to do a lot of coding.


  • Anticipated apartment-rate pricing

  • Calendar month-to-month billing

  • Broad international support


  • Can’t process card-present transactions

  • Frequent reports of held funds

  • Non bachelor to loftier-gamble merchants

Businesses looking for global reach will want to consider 2Checkout (now Verifone), a third-party payment processor focused on eCommerce. In fact, 2CO only processes card-non-present transactions, and so brick-and-mortar businesses will probably want to expect elsewhere.

That said, 2CO offers incredibly robust support for CNP transactions and optimizing your eCommerce pages, including A/B testing, global revenue enhancement back up, subscription management, conversion charge per unit optimization, and fraud protection. It’due south also reportedly easier to set up than some of the other processor/gateway combinations, including Stripe.

Because it deals with higher-risk payments (in the international sense), the pricing kicks in at a relatively steep 3.5% + $0.35 flat fee. High-volume retailers may exist able to negotiate a lower price.  There are, however, no contracts or termination fees.

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8. PayPal & Braintree

Braintree Payment Solutions

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All-time for businesses that desire to make use of PayPal’southward online infrastructure.


  • Predictable apartment-charge per unit pricing

  • Excellent developer tools

  • Extensive integrations

  • Comprehensive payment type/currency support


  • Unsuitable for loftier-risk accounts

  • Account instability (PayPal)

  • Long setup times for accounts (Braintree)

Braintree is actually a PayPal-owned company, fifty-fifty though information technology operates separately in many regards. I’one thousand combining these two because they share most of the same architecture for online payments, although there are a few standalone features for both.

Braintree looks like to Stripe at a glance, right down to its developer-centric approach to payment processing and support for overseas markets. The hands-downwards biggest difference between them is that Braintree offers merchant accounts where Stripe is a 3rd-party processor.

If y’all’re worried about the stability of your account, Braintree (note that PayPal is a third-party processor) is a great alternative. You’ll be giving up some of Stripe’s best-in-class billing tools, but there’south a trade-off for everything. Y’all can also build PayPal into your checkout procedure adequately seamlessly. Braintree uses the same apartment-charge per unit pricing model that PayPal does: 2.9% + $ for online transactions, 2.7% for swiped/dipped/tapped transactions.

PayPal does offer a suite of developer tools for businesses interested in a custom setup. In addition to providing access to Checkout with contextual commerce tools, PayPal offers tools for invoicing, mass payouts, and marketplaces.

Withal, despite being the parent company of Braintree, it seems that PayPal and its infrastructure haven’t entirely kept pace. For starters, PayPal’s market place tools are relatively new (introduced in 2017), and they are only available subsequently you lot go through an application and vetting process. And while the programmer tools exist, most of the chatter says they don’t match Stripe for quality.

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9. Dwolla


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Best for businesses that desire a standalone ACH processor.


  • Pay-as-you lot-go ACH processing

  • Expert developer tools

  • White-label payments options available


  • No credit or debit card processing

  • Paid plans are very expensive

  • Only available in the United states

Dwolla is a fiddling bit unlike than the other names on this list in that information technology doesn’t actually process credit or debit cards. And then why are nosotros comparing it to Stripe? Well, one of Stripe’s convenient features is that it processes ACH payments. That’south Dwolla’s wheelhouse. Then if y’all need ACH processing and don’t want the whole Stripe ecosystem forth with it, information technology’s worth considering Dwolla.

Dwolla’s Pay-Equally-Y’all-Go-Plan has no monthly fee and charges a flat 0.5% fee on ACH transactions (minimum $0.05, maximum $five).  It’southward lightweight and can piece of work as an add-on to your existing merchant services. Dwolla, like Stripe, too bills itself every bit developer-friendly.

Annotation that the college-level plans are mostly aimed at big corporations, starting at $2,000/calendar month.

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10. Adyen


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Best for larger, low-risk, high-volume businesses.


  • Ideal for international merchants

  • No setup or application fees

  • No monthly fees


  • Required monthly minimum

  • Not for high-risk merchants

  • Mixed customer reviews

Despite its relatively small customer base, Adyen processes massive amounts of payments. That’s considering Adyen built its business concern by chasing afterwards the big fish. For example, Adyen’s kickoff major client was Groupon. It currently powers payments for the crafting market Etsy, and information technology fifty-fifty wooed eBay away from PayPal. Notwithstanding, now that Adyen has established itself, the company is starting to court smaller businesses.

Despite providing merchant accounts (which historically translates to amend stability), Adyen has i stipulation that makes it very unsuitable for high-adventure businesses: a chargeback threshold. The manufacture standard is 1% (and that includes Stripe), but Adyen will implement holds or terminate an account if it exceeds a 0.v% chargeback rate. Adyen is also unsuitable for low-volume businesses considering of its monthly minimum of one,000 transactions or $120 per month in processing fees. Adyen uses a composite interchange-plus and flat-rate system depending on the type of transaction: 0.6% + $0.12 markup for Visa, Mastercard, and Discover; 3.95% + $0.12 for Amex; $0.25 + $0.12 (totaling $0.37) for ACH Straight Debit

Nevertheless, when you get past those concerns, you’ll find that Adyen is near similar to Stripe in its global reach and back up for localized payment methods across Europe, the Asia-Pacific region, and North and Southward America. Adyen even supports PayPal transactions, which is something rarely available from companies not owned by PayPal. There’s a decent list of supported partners and integrations, though unsurprisingly, you’ll find many of them are tailored to enterprise-scale businesses.

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11. Amazon Pay

Amazon Pay

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Best for depression-volume businesses that use Amazon’s infrastructure.


  • No long-term contracts

  • No monthly account fees

  • Predictable apartment-rate pricing

  • Piece of cake to integrate


  • Expensive for high-volume merchants

  • Poor customer service

  • Business relationship stability issues

Amazon sellers volition find Amazon Pay to be an extremely user-friendly way to handle their online transactions. Yet, Amazon Pay does still have a lot to offering merchants outside Amazon’due south ecosystem. Amazon Pay is easy to set up up and integrate into your website. Of particular note here is Amazon Pay’southward to a higher place-average fraud protection, which won’t cost you anything extra.

Amazon Pay’southward rates are similar to Stripe’s. Like Stripe, it uses a apartment-rate pricing scheme that starts at ii.9% + $0.30 for domestic transactions. The service is month-to-month with no monthly or almanac fees. This is handy if your business organization is largely seasonal. Just remember it’s not the cheapest choice around, particularly for high-volume businesses.

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iii Things To Look For In A Stripe Alternative

When you’re evaluating a Stripe competitor, y’all should brand sure it stacks up well as a payment processor broadly. Cull a processor with:

  • Transparent Pricing:
    Sadly transparent pricing isn’t an industry norm, but it’due south something Stripe is excellent at. Make sure you know when you’re going to be charged and how much. And stay abroad from tiered pricing if you possibly can.
  • No Annual Contracts:In this solar day and age, in that location are very few reasons to lock yourself into a long-term payment processing contract. Doing so leaves you vulnerable to termination fees and other unnecessary headaches. Merely be enlightened that high-gamble industries may not have a option.
  • Excellent Tools:Whether you’re looking for top-of-the-line developer tools or just a well-designed interface, make sure your processor offers the functionality you’re looking for.

Which Stripe Alternative Is Right For Your Business?

Stripe is a great option for many businesses. The fact that there are no monthly minimums makes information technology great for startups, and the number of supported countries, payment options, and currencies makes it a serious contender for global businesses, in particular. The available features brand Stripe particularly well suited to high-tech businesses that aren’t satisfied with the standard fare in a payments processor. And the company’s programmer resources are second to none.

Still, Stripe isn’t ideal for anybody, specially if y’all accept concerns about account stability or your technical prowess. You will also pay more to access some of Stripe’s premium features, which isn’t unreasonable — just information technology does mean you might exist able to find another provider with more competitive pricing.

Every bit always, thank you for reading! Have questions? Experience using these processors? We’d love to hear from you, so leave us a comment and weigh in with your thoughts!

Common Questions Almost Alternatives To Stripe

Who are Stripe’s competitors?

Stripe’s most direct competitors include Square, PayPal, and PayPal’s subsidiary Braintree, as well as and Amazon Payments. Yet, given the latitude of Stripe’s services, most online payment processors can be considered competitors.

Are at that place cheaper alternatives to Stripe?

Stripe has no monthly fees and charges on a pay-as-you-get ground. For depression-book businesses, Stripe is i of the cheapest payment processors. However, for businesses processing more than $five,000/month in credit card sales, opening a merchant account will exist a cheaper alternative in most cases.

Is Stripe the all-time payment gateway?

Stripe is among the best payment gateways in terms of features and integrations. However, Stripe is a third-party payment processor, which comes with inherent risk of business relationship instability. Not all businesses volition be a good fit for Stripe.

In Summary: 11 Stripe Competitors & Alternatives You Need To Consider

  1. PaymentCloud: All-time for high-chance businesses that are rejected by 3rd-political party processors like Stripe.
  2. National Processing: Best for businesses that do a lot of ACH transactions.
  3. Square: Best for low-volume merchants that make in-person as well as online sales.
  4. Host Merchant Services: Best for mid-sized businesses.
  5. Helcim: Best for businesses that sell internationally and demand a scalable processor.
  6. Stax by Fattmerchant: Best for domestic, high-book businesses that desire a tidy, centralized platform.
  7. 2Checkout: Best for internationally-focused eCommerce businesses that don’t want to do a lot of coding.
  8. Braintree Payment Solutions: Best for businesses that want to make use of PayPal’southward online infrastructure.
  9. Dwolla: Best for businesses that want a standalone ACH processor with programmer-friendly tools and no long-term contract.
  10. Adyen: Best for larger, depression-take chances, loftier-volume businesses.
  11. Amazon Pay: Best for low-volume businesses that use Amazon’s infrastructure.

Chris Motola

An skillful in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over v years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Fundamental Florida.

Chris Motola

View Chris Motola’s professional experience on LinkedIn.

Chris Motola