Need a better way to take payments but think Stripe is not the best fit? You are not alone. Stripe has great tools, but it does not work for everyone. Some need lower costs, better global payments, or an easy way to take payments in person.
The good news? There are many Stripe alternatives. Some cost less, some work better worldwide, and some help small businesses grow.
In this post, we will list 12 Best Stripe Competitors & Alternatives for 2025. Each one has useful features, from low-cost transfers to strong POS systems for stores.
Top Stripe alternatives include PayPal, Square, Adyen, Braintree, Authorize.Net, 2Checkout, Skrill, Payoneer, Worldpay, Wise, BlueSnap, and WePay. These services make payments fast, safe, and simple for all businesses.
Introduction To Payment Processors
Stripe is a popular way to take payments, but it is not the only choice. A payment processor helps businesses accept online payments. It moves money from the buyer’s bank to the seller’s bank. This keeps payments safe and smooth. Finding a better alternatives to stripe can help your business grow and save money.
Why Consider Stripe Alternatives?
Stripe is powerful, but it may not fit your needs. Here’s why you might need Cheaper alternatives to Stripe:
- Lower Fees – Some processors charge less, so you keep more profits.
- Extra Features – Some have tools for freelancers, retail, and more.
- Better Global Payments – Some offer low rates and more currencies.
- In-Person Payments – If you take payments in-store, some have strong POS systems.
- Easier Integration – Some connect better with your business tools.
- Strong Security – Choose a provider that follows PCI-DSS to protect data.
- More Payment Options – Some accept credit cards, PayPal, crypto, and more.
- Faster Support – Some offer quicker help and personal account managers.
Compare these features to find the best payment processor for your business. Pick the right Stripe alternative and start accepting payments easily.
Who Are Stripes Competitors?
Stripe competitors include PayPal, Square, Adyen, Braintree, and Wise. Others like Skrill, Payoneer, and WePay offer quick payments with low fees. These options make accepting money simple.
Top 12 Stripe Competitors (Compared & Tested)
Get expert insights and find the Best Stripe Alternatives for your needs.
| Brands | Overall Rating | Processing Fees | Best For |
|---|---|---|---|
 |
9.8 /10 |
2.9% plus 30 cents online |
Small to medium businesses |
 |
9.7 /10 |
2.6% plus 10 cents in-person |
Retailers and small businesses |
 |
9.6 /10 |
Interchange plus 10 cents |
Large, global enterprises |
 |
9.7 /10 |
2.9% plus 30 cents |
Digital businesses and SaaS |
 |
9.6 /10 |
2.9% plus 30 cents |
E-commerce and phone order businesses |
 |
9.6 /10 |
3.5% plus 35 cents |
International e-commerce |
 |
9.4 /10 |
2.9% per transaction |
Freelancers and online sellers |
 |
9.3 /10 |
3% on credit cards |
Freelancers and remote teams |
 |
8.8 /10 |
2.7% plus 10 cents |
Established brick-and-mortar stores |
 |
9.7 /10 |
0.4% to 1.5% per transfer
|
Small businesses with global clients |
 |
8.5 /10 |
2.9% plus 30 cents
|
Subscription-based businesses |
 |
8.5 /10 |
2.9% plus 30 cents
|
U.S.-based businesses with Chase |
Best Stripe Competitors & Alternatives of 2025
#1. PayPal
PayPal is a trusted way to take payments. Millions of freelancers, small shops, and big businesses use it. People choose PayPal because it is safe and simple. PayPal’s checkout page makes online payments easy. PayPal Here lets businesses accept payments in person. The setup is fast, fees are like Stripe, and the app is easy to use.
Key Features
- Quick invoicing for fast billing
- Simple setup with online stores
- PayPal Here for face-to-face payments
- Instant transfers for quick cash access
- Recurring billing for subscriptions
- Multi-currency support for global payments
- Fraud detection for secure transactions
- Customer portal for easy access
PayPal: Best for freelancers, small shops, and online stores needing quick, global payments with easy setup.
PayPal Cost:
PayPal charges 2.9% + a fixed fee for online payments. In-person payments cost 2.7% + a fixed fee. QR code payments cost 2.4% for amounts under $10 and 1.9% + a fixed fee for payments over $10.
For businesses needing custom checkout, PayPal Pro costs $30 per month. It offers advanced tools for large sales. There are no long-term contracts, giving businesses more flexibility.
Pros:
- Trusted brand worldwide
- Multi-currency support for global sales
- Easy payments online and in-person
- Quick setup with a simple interface
- Strong fraud protection
Cons:
- Higher fees for international payments
- Account holds for large transactions
- Slow support for small businesses
- Limited customization for big companies
- Longer dispute resolution
PayPal vs Stripe
PayPal is easy to use and fast to set up. But it lacks flexibility for developers, which Stripe offers. However, PayPal’s strong brand helps small businesses build trust faster.
Not sure which payment processor to choose? Explore the full PayPal vs Stripe comparison to make the right choice.
Best For
✅ E-commerce businesses selling worldwide
✅ Small businesses needing quick, secure payments
✅ Companies that want PayPal’s buyer protection
#2. Square
Square is a top payment choice for small businesses, shops, and restaurants. It allows fast online and in-person payments.
Square’s POS system is all-in-one. It lets businesses accept payments, track inventory, and manage rewards. The pricing is simple, the interface is easy, and the mobile app is free.
Key Features
- All-in-one POS for online and store payments
- Inventory tracking for smooth business operations
- Digital invoicing and mobile payments
- Loyalty programs to keep customers returning
- Customer directory for tracking past purchases
- Sales reports to monitor business performance
Square: Best for small businesses and retailers needing an all-in-one POS system for seamless online and in-store payments.
Square Cost:
Square charges 2.6% + 10¢ per in-person payment and 2.9% + 30¢ per online payment. The basic plan is free, while advanced POS tools start at $60 per month. Custom pricing is available for high-volume businesses.
Pros:
- Simple pricing structure with flat-rate fees.
- Comprehensive POS system ideal for brick-and-mortar stores.
- Free basic plan, with affordable upgrades for added features.
- Mobile-friendly app for on-the-go payments.
- Extensive tools for managing inventory and customer data.
Cons:
- Limited support for international transactions.
- No customization in flat-rate pricing for low-volume businesses.
- Not ideal for high-risk industries.
- Basic plan lacks advanced POS features.
- Limited customization for checkout pages.
Square vs Stripe
Square works best for businesses needing in-person and online payments. Unlike Stripe, which focuses on online transactions, Square’s POS system makes it ideal for brick-and-mortar stores.
Best For
✅ Retailers, restaurants, and service businesses
✅ Small businesses needing a simple POS system
✅ Shops accepting both online and in-person payments
#3. Adyen
Adyen is a global payment system for large businesses. It supports many currencies and payment types. Companies with worldwide customers use Adyen for safe and easy payments.
Adyen lets businesses take payments online and in stores. It has strong security and fraud protection. This makes global payments simple and safe.
Key Features
- Supports many currencies with live conversion
- Fraud protection for safe payments
- Omnichannel payments for online and store sales
- Custom checkout for a branded experience
- Reports to track business growth
- Works with 250+ payment methods worldwide
Adyen: Best for large, global businesses requiring advanced fraud protection and omnichannel payment support across multiple currencies.
Adyen Cost:
Adyen has custom pricing with interchange-plus fees. Costs depend on country, currency, and payment type. It charges 10¢ per transaction plus 12¢ for credit cards. Monthly minimums may apply, making Adyen best for large businesses.
Pros:
- Supports over 250 payment methods and multiple currencies.
- Advanced fraud protection with real-time monitoring.
- Omnichannel capabilities for unified online and in-person payments.
- Detailed reporting and analytics.
- Custom pricing for large enterprises.
Cons:
- Complex pricing structure for smaller businesses.
- Monthly minimums may not suit low-volume users.
- Setup and integration can be technical.
- Limited support for small businesses without developer resources.
- Not ideal for businesses that only need basic payment processing.
Adyen vs Stripe
Both Adyen and Stripe offer global payments. But Adyen’s fraud protection tools make it better for large companies needing extra security.
Best For
✅ Large businesses with international customers
✅ Marketplaces and global e-commerce platforms
✅ Companies needing strong fraud protection
#4. Braintree
Braintree is a payment service owned by PayPal. It helps online stores and subscription businesses take payments. It supports credit cards, digital wallets, and cryptocurrency.
Braintree has simple PayPal integration and built-in recurring billing. It offers clear pricing and a custom API for flexible payments.
Key Features
- Recurring billing for subscriptions
- Fast PayPal integration for quick checkout
- Accepts credit cards and digital wallets
- Custom API for smooth payments
- PCI compliance for security
- Transaction insights for tracking sales
Braintree: Best for digital businesses and SaaS platforms needing robust online and mobile payment options with PayPal integration.
Braintree Cost:
Braintree charges 2.9% + 30¢ per transaction for credit cards and digital wallets. ACH payments cost 0.75% per transaction, with a $5 cap. Custom pricing is available for high-volume businesses.
Pros:
- Recurring billing and subscription management.
- Easy integration with PayPal.
- Supports multiple payment types, including digital wallets.
- Customizable API for tailored payment flows.
- Transparent and competitive pricing.
Cons:
- Higher fees for ACH transactions.
- Limited customer support for smaller accounts.
- Not ideal for in-person POS solutions.
- Basic features may feel limited without custom API work.
- Fees can add up for businesses with high transaction volumes.
Braintree vs Stripe
Braintree is great for subscriptions and PayPal users. It offers secure payments and easy billing. But Stripe’s API is more flexible for developers.
Best For
✅ E-commerce businesses
✅ Subscription-based services
✅ Companies using PayPal
#5. Authorize.Net
Authorize.Net is a trusted payment gateway with years of experience. It supports e-commerce and phone orders. This makes it a great choice for small to mid-sized businesses.
Businesses can set up secure checkout pages and accept many payment types. It offers strong customer support and flexible integration. This makes it a reliable payment processor.
Key Features
- Accepts a wide range of payment types, including e-checks and phone orders
- Fraud detection tools to protect transactions
- Customer information manager for repeat billing
- Recurring payment options for subscription services
- Hosted payment page for secure online transactions
- 24/7 customer support for uninterrupted assistance
Authorize.Net: Best for small to medium-sized businesses needing reliable e-commerce, phone order, and recurring billing payment solutions.
Authorize.Net Cost:
$25 per month plus 2.9% + 30¢ per transaction, Gateway-only plan costs $25 per month plus 10¢ per transaction, ACH payments available for an extra fee
Pros:
- Accepts a wide range of payment types, including phone orders.
- Robust fraud detection tools.
- Customer information manager for recurring billing.
- Reliable 24/7 customer support.
- Hosted checkout page options for easy online transactions.
Cons:
- Monthly fees add to the total cost.
- Fees can be high for low-volume businesses.
- Limited advanced features compared to modern platforms.
- Setup process can be complex for new users.
- Not ideal for businesses focused on international sales.
Authorize.Net vs Stripe
Authorize.Net has more features for phone orders. It works well for older e-commerce setups. But Stripe’s platform is more modern. However, Authorize.Net’s strong support makes it great for businesses needing help.
Best For
✅ Small to medium businesses
✅ Companies needing a trusted payment solution
✅ Businesses that accept phone orders
#6. 2Checkout (now Verifone)
2Checkout is a global payment service for online businesses. It works in 200+ countries and supports many currencies. This makes it great for worldwide sales.
Businesses can take payments, manage subscriptions, and handle taxes. 2Checkout has simple pricing and easy setup, making cross-border transactions smooth.
Key Features
- Multi-language and multicurrency support for global e-commerce
- Built-in tax and compliance management for international sales
- Subscription billing tools with flexible plans
- Risk management and fraud protection features
- API integration for a customizable checkout experience
- Supports over 45 different payment methods
2Checkout: Best for international e-commerce businesses seeking flexible subscription billing, multi-language, and multi-currency support.
2Checkout Cost:
3.5% + 35¢ per transaction for international sales, Higher-tier plans (2Sell, 2Monetize) offer more features, Monthly fees depend on selected features
Pros:
- Multilingual and multicurrency support for global e-commerce.
- Flexible subscription billing options.
- Tax management tools for international customers.
- Supports 45+ payment methods worldwide.
- Transparent pricing for digital goods and e-commerce.
Cons:
- Higher fees for international transactions.
- Limited POS support for physical stores.
- Custom pricing may be complex for smaller businesses.
- Limited customization options without higher-tier plans.
- Not ideal for U.S.-only businesses needing basic options.
2Checkout vs Stripe
2Checkout is best for global e-commerce. It offers quick setup and flexibility. But Stripe has more tools for developers.
Best For
✅ Online stores selling worldwide
✅ Businesses needing simple international payments
✅ Companies wanting flexible pricing
#7. Skrill
Skrill is a digital wallet for fast and low-cost transfers. It is simple to use, making it great for freelancers, small businesses, and online sellers.
Businesses can accept many payment types, including cryptocurrency. Skrill has easy setup, low fees, and a mobile app, making it a safe choice for local and global payments.
Key Features
- Instant international transfers with low fees
- Digital wallet support for easy customer payments
- Cryptocurrency transaction options for tech-forward businesses
- Multicurrency accounts for cross-border transactions
- Rapid payments with mobile-friendly options
- Customer support with a dedicated online help center
Skrill: Best for freelancers and small businesses needing affordable international payments, digital wallet support, and cryptocurrency options.
Skrill Cost:
2.9% fee for domestic payments, 1.99% fee for currency conversion on international transfers, $5.50 withdrawal fee for bank transfers, $10 inactivity fee after 12 months of no use
Pros:
- Low-cost, fast international transfers.
- Digital wallet and cryptocurrency support.
- Mobile-friendly with a dedicated app.
- Simple setup for freelancers and small businesses.
- Transparent fees and no setup costs.
Cons:
- Limited in-person payment solutions.
- Withdrawal fees to bank accounts.
- Customer service can be limited.
- Inactivity fees after 12 months of no use.
- Not suitable for high-risk industries or large businesses.
Skrill vs Stripe
Skrill is best for fast, low-cost global payments. It costs less than Stripe for international transfers. But it has fewer platform integrations, making it less ideal for complex setups.
Best For
✅ Freelancers with global clients
✅ Small businesses needing simple international payments
✅ Sellers looking for an easy digital wallet
#8. Payoneer
Payoneer is a trusted payment service for freelancers and businesses. It has low fees and supports many currencies. This makes it great for global payments.
Users can get paid worldwide and withdraw money to local banks. Payoneer works with freelance platforms and has simple fees, making it easy to use.
Key Features
- Multi-currency accounts for easy global transactions
- Low-cost transfers and competitive exchange rates
- Integration with major freelance platforms for seamless payments
- Simple withdrawal to local bank accounts
- Prepaid card for easy spending of Payoneer funds
- Mass payout options for businesses working with contractors
Payoneer: Best for freelancers and businesses with global clients, offering low-cost international transfers and multi-currency accounts.
Payoneer Cost:
3% fee on credit card payments, Free transfers between Payoneer accounts, $1.50 fee for ACH bank transfers, $29.95 annual fee for the Payoneer debit card
Pros:
- Low fees for international transfers and payments.
- Supports multiple currencies in a single account.
- Free payments between Payoneer users.
- Integration with major freelance platforms.
- Prepaid card for easy access to funds.
Cons:
- Annual fee for the prepaid card.
- Fees on some bank transfers and conversions.
- Limited support for traditional POS systems.
- Not ideal for subscription-based businesses.
- Limited features for large enterprises needing advanced tools.
Payoneer vs Stripe
Payoneer is best for freelancers and global businesses. It has low transfer fees and easy withdrawals. But Stripe offers more tools for advanced business needs.
Best For
✅ Freelancers and contractors with international clients
✅ Small businesses needing simple global payments
✅ Companies looking for low-cost transfers
#9. Worldpay
Worldpay is a payment service for online and in-store sales. It has a global reach and supports many payment types. This makes it great for all businesses.
Worldpay offers detailed reports and a secure system. Many big companies use it for fraud protection and recurring billing.
Key Features
- Recurring billing for subscriptions
- POS support for in-store payments
- Sales reports to track revenue
- Fraud protection for safe payments
- Many payment options, including global methods
- Customer data insights for better decisions
Worldpay: Best for established businesses needing both online and in-person payments, plus recurring billing and extensive reporting tools.
Worldpay Cost:
Flat-rate and interchange-plus pricing available, Starts at 2.7% + 10¢ per swipe for in-person payments, Custom pricing for large businesses, Monthly fees start at $10 but vary by plan
Pros:
- Supports both online and in-person payments.
- Recurring billing options for subscriptions.
- Multiple payment methods, including international options.
- Comprehensive reporting and analytics tools.
- Strong fraud protection for secure transactions.
Cons:
- Complex pricing structure with additional fees.
- Monthly fees can be high for smaller businesses.
- Limited support for high-risk industries.
- Setup can be complex for new users.
- Customer support varies based on the plan.
Worldpay vs Stripe
Worldpay is best for businesses needing online and in-store payments. It has strong retail support. But Stripe is better for businesses needing developer-friendly tools.
Best For
✅ Businesses needing online and in-store payments
✅ Retailers looking for a reliable POS system
✅ Companies needing fraud protection and reports
#10. Wise (formerly TransferWise)
Wise is a top choice for global payments. It offers low fees and fast transfers. It is great for freelancers, small businesses, and remote teams.
With Wise, businesses can send, receive, and hold many currencies at the real exchange rate. Its simple platform and low costs make it a smart choice for international payments.
Key Features
- Real exchange rate for cheap transfers
- Multi-currency accounts to hold and manage money
- Fast, low-cost payments with clear fees
- Easy accounting software connection
- Business debit card for spending funds
- Secure, user-friendly platform for global payments
Wise: Best for freelancers, remote teams, and small businesses needing low-cost, transparent international transfers and multi-currency accounts.
Wise Cost:
Fees from 0.4% to 1.5%, based on currency, No monthly fees for holding multiple currencies, Low-cost currency exchange with multi-currency accounts.
Pros:
- Real exchange rates for international transfers.
- Low-cost international payments with transparent fees.
- Multi-currency accounts for holding and managing funds.
- User-friendly platform for freelancers and small businesses.
- No hidden fees or monthly charges.
Cons:
- Limited support for in-person transactions.
- Not suitable for traditional e-commerce payment processing.
- No recurring billing or subscription features.
- Customer service can be slow for free accounts.
- Withdrawal fees apply for certain bank accounts.
Wise vs Stripe
Stripe is best for online businesses that need billing, invoicing, and e-commerce tools. Wise is better for sending and receiving money worldwide due to lower fees and real exchange rates.
Best For
✅ Freelancers and remote teams working worldwide
✅ Small businesses needing cheap global payments
✅ Companies managing multiple currencies with clear fees
#11. BlueSnap
BlueSnap is a global payment system for online businesses. It supports international payments and recurring billing. It is great for SaaS companies and online sellers.
With BlueSnap, businesses can accept over 100 payment types. It offers simple pricing and easy tools to manage payments worldwide.
Key Features
- Easy setup with Chase business accounts
- Secure, PCI-compliant online payments
- Custom API for business needs
- Support for small to mid-sized businesses
- Fraud detection for safe transactions
- Fast payouts to U.S. bank accounts
BlueSnap: Best for SaaS and subscription businesses needing comprehensive global payment support and easy integration with e-commerce platforms.
BlueSnap Cost:
2.9% + 30¢ per transaction, Extra fees for cross-border payments, Additional charges for chargeback handling, Custom pricing for high-volume sellers
Pros:
- Subscription and recurring billing management.
- Supports over 100 payment types globally.
- Chargeback management for dispute handling.
- Customizable checkout pages.
- Built-in tax compliance for international transactions.
Cons:
- Higher fees for cross-border payments.
- Complex fee structure for high-volume users.
- Limited POS options for physical retail.
- Not ideal for businesses with simple payment needs.
- Some features require higher-tier pricing plans.
BlueSnap vs Stripe
BlueSnap supports more global payment types than Stripe. But Stripe’s pricing is clearer. BlueSnap is great for businesses with subscriptions.
Best For
✅ SaaS companies with recurring payments
✅ Subscription-based businesses
✅ Companies selling to global customers
#12. WePay
WePay is a secure payment system for U.S. businesses. It works with Chase accounts, making it easy to use and stable.
WePay offers fast and safe online payments. It has strong security and simple setup, making it a smart choice for small businesses.
Key Features
- Easy Chase account integration
- Secure, PCI-compliant payments
- Custom API for business needs
- Support for small to mid-sized businesses
- Fraud detection for safe transactions
- Fast payouts to U.S. bank accounts
WePay: Best for U.S.-based businesses using Chase or needing secure, integrated payment processing with strong fraud protection.
WePay Cost:
2.9% + 30¢ per transaction for credit cards, Custom pricing for larger businesses, No setup fees or account fees.
Pros:
- Seamless integration with Chase banking.
- Secure, PCI-compliant online payments.
- Customizable API for tailored business needs.
- Dedicated support for Chase business users.
- Strong fraud detection tools for secure payments.
Cons:
- Primarily suited for U.S.-based businesses.
- Limited support for high-risk or international industries.
- No dedicated mobile app for small business needs.
- Limited features compared to Stripe for developers.
- Complex setup for non-Chase account holders.
WePay vs Stripe
WePay works well with Chase, making it best for U.S. businesses. But Stripe is better for global payments.
Best For
✅ U.S.-based businesses using Chase
✅ Companies needing secure payments
✅ Businesses wanting easy banking integration
Final Verdict: Stripe Alternatives
Each of the 12 Stripe Competitors has unique benefits. Some offer cheap global payments. Others provide POS systems or special tools for certain businesses.
To find the best competitors of stripe, consider your business needs:
- PayPal is a good all-around choice with global reach.
- Square is best for small shops needing POS systems.
- Wise and Payoneer help with cheap global transfers.
- Adyen is great for big businesses handling many currencies.
- Braintree and BlueSnap work well for subscription-based payments.
- Authorize.Net and Worldpay support e-commerce and phone orders.
Each payment service fits different needs. Compare costs, features, and growth potential to pick the best one.
The right Stripe alternative will make payments easier, save money, and help your business grow. Check out these options today to find the best fit for you.
Related reading:
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Conclusion: Stripe Competitors
Stripe is a good choice for online payments, but these 12 stripe competitors alternatives offer better options for different needs. Whether you run an online store, work as a freelancer, or manage a global business, these choices help you find the best fit.
Pick a payment processor that helps your business grow and keeps costs low. The right choice will save money, speed up payments, and make transactions simple.
Frequently Asked Questions
Consider transaction fees, supported payment types, ease of integration, customer support, and features like multi-currency support, fraud protection, and POS capabilities.
Yes, alternatives like Wise and Payoneer offer low-cost international payments, ideal for freelancers and businesses working globally.
Braintree, BlueSnap, and 2Checkout provide strong support for recurring billing and subscription management, ideal for SaaS and subscription businesses.
Absolutely. Many businesses combine processors like PayPal, Stripe, and Square to offer multiple options for customers and manage fees effectively.
Square and PayPal Here are popular for in-person payments, as they offer POS systems and mobile apps that support seamless on-site transactions.
Authorize.Net and Worldpay are known for strong customer support, offering assistance that might better suit businesses needing real-time help.
PayPal and Square offer flexible fee structures, with Square offering low fees for in-person sales, making them ideal for small transactions.
Azad Hossain is a Content Writer and Business Researcher. Azad helps businesses and readers make informed decisions in a rapidly changing market. His expertise in understanding consumer needs and providing valuable recommendations makes him a trusted voice in the industry.