Stripe

Developer-first payments for internet businesses

4.7 / 5 · PSPDex editorial scoreFlat rateAggregator / PayFacStandard risk

Last verified: September 2026

Overview

Stripe is the default online payment processor for software companies and marketplaces. Excellent APIs, hosted checkout, billing for subscriptions, and fast onboarding, as long as your business fits its standard risk profile.

Pricing

2.9% + 30¢ per online card transaction, custom rates above ~$1M/mo

Best for

EcommerceSaaSSubscriptionsMarketplacesDigital goods

Key features

Hosted checkout
Subscriptions & billing
Instant onboarding
Developer APIs
Global payments

What we like

Best-in-class developer tools
Fast, self-serve onboarding
Transparent flat pricing

Watch out for

No high-risk industries
Rates drop only at large volume

Similar processors

Square

Simple all-in-one for retail, restaurants and services

2.6% + 10¢

Helcim

Transparent interchange-plus pricing that scales down

0.40% + 25¢ over interchange

Adyen

Enterprise payments across every sales channel

Custom

Related comparisons and guides

Stripe vs Adyen for recurring paymentsRead guide Beyond Stripe: alternatives by business modelRead guide