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Top 3 alternatives to Stripe for small businesses

Consider your coding skills and monthly sales when sizing up these payment processors.

Stripe is a coder’s playground with its sprawling suite of sophisticated developer tools. But you’ll need the technical know-how to take advantage of all Stripe has to offer. These three Stripe competitors offer website hosting for your online store, competitive pricing, and point-of-sale (POS) software that you don’t have to build yourself.

3 alternatives to Stripe

Stripe offers clear-cut pricing, 24/7 customer support and extensive software integration. Its competition offers similar features — and even a few extra.

Square

Square

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on Square's secure site

Like Stripe, Square is another big name in the payment processing industry. It also offers in-person and e-commerce solutions with a heap of integration options. But it sets itself apart with its user-friendly interface. Stripe might be an attractive option for developers, but Square is the way to go for those who aren't tech-savvy.

Pros
  • Free e-commerce solution
  • Competitive pricing
  • POS system
Cons
  • Limited support
  • Payout delays
ProductsPayment processing, POS software, POS hardware, Website builder, Inventory tracking, Shopping cart software
SolutionsIn-store, Mobile, Online
Monthly fees start atNone
Processing fees start at2.6% + 10¢
Processing timeNext day
Cancellation feeNone
HostingHosted
High-risk merchants accepted?No

Stax

Stax

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on Stax's secure site

Like Stripe, Stax has round-the-clock customer support. But Stax upstages Stripe if you bring in more than $10,000 a month. Instead of a flat-rate fee, Stax charges an interchange fee, which is what credit card providers charge businesses to accept their cards. And since they don't pad the processing fee, you might end up paying less than Stripe's flat rate — even with Stax's monthly fees. Plus, Stax issues merchant accounts, which generally means more account stability and fewer transaction holds.

Pros
  • Markup-free interchange
  • 24/7 support
  • No cancellation fee
Cons
  • Expensive for some businesses
  • Third-party hardware
ProductsPayment processing, POS software, Inventory tracking
SolutionsIn-store, Mobile, Online
Monthly fees start at$99/month
Processing fees start at$0.08 + interchange per transaction
Processing timeNext day for qualified businesses
Cancellation feeVaries
High-risk merchants accepted?No

Paypal Here

Paypal Here

Like Stripe, PayPal is well-known in e-commerce as a secure middleman between merchants and buyers. Both platforms now offer point-of-sale systems and unify your sales channels onto one dashboard. But PayPal's POS system comes with its own software — with Stripe you build your own or choose from one of its partners.

Pros
  • No startup or termination fee
  • Transparent pricing
  • POS system
  • E-commerce payment processing
Cons
  • Monthly fee on Payments Pro plan
  • No website hosting
ProductsPayment processing, POS software, POS hardware, Inventory tracking
SolutionsMobile
Monthly fees start atNone
Processing fees start at2.7% per transaction
Processing timeSame day with a linked PayPal Business Debit Mastercard
Cancellation feeVaries
High-risk merchants accepted?Yes

Compare other alternatives to Stripe

Name Product Monthly fees start at Processing fees start at Processing time High-risk merchants accepted?
Chase Merchant Services
Chase Merchant Services
None
2.6% + 10¢ per swiped credit card
Next day when you deposit into a Chase business checking account
No
Accept, process and deposit customer payments in your store, online or on-the-go.
Stax
Stax
$99/month
$0.08 + interchange per transaction
Next day for qualified businesses
No
Businesses that process more than $10,000 monthly can save with Stax's interchange+ pricing.
Square
Square
None
2.6% + 10¢
Next day
No
Square is a one-stop shop with both e-commerce and in-person solutions.
Helcim
Helcim
$20/month
1.92% + $0.08 per transaction
Two business days
No
Conveniently packaged into three service tiers for in-person and online sales.
Payline Data
Payline Data
$10/month
0.2% + interchange + $0.10 per transaction
Next day
Yes
Accepts high-risk merchants and offers discounted rates for nonprofits.
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Compare up to 4 providers

Bottom line

These Stripe alternatives are armed with features that Stripe lacks, such as POS software, web hosting and competitive pricing. The best payment processor comes down to your business needs and your monthly sales.

Frequently asked questions

How does PayPal make money on its free accounts?

PayPal charges a percentage of the sale amount plus a flat fee based on the currency for online transactions. For in-person purchases, PayPal takes a percentage of the total amount.

What accounting integrations can I use with Square?

A few popular accounting and bookkeeping apps include QuickBooks, Xero and Zoho Books.

What is Stax’s Omni platform?

Omni is an integrated platform that pulls and organizes all of your data and analytics into one centralized dashboard.

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