Stripe
RecommendedThe payment infrastructure for the internet. APIs for every payment scenario imaginable.
Stripe is the best payment platform for online businesses. The API documentation is legendary, the feature breadth is staggering, and the reliability is enterprise-grade. The 2.9% + $0.30 per transaction is industry standard. If you accept payments online, start with Stripe.
What's great
- Best API documentation and developer experience in fintech
- Comprehensive platform beyond payments (billing, connect, radar)
- No monthly fees — pay only per transaction
Watch out for
- 2.9% + $0.30 is not the cheapest rate available
- Developer-centric approach can intimidate non-technical users
- Customer support responsiveness has been criticized
Best for
Any business accepting online payments, especially those with developers.
Not ideal for
Physical retail without online component — Square handles in-person payments better.
Free
No monthly fee, pay per transaction
Starter
2.9% + $0.30 per transaction
Pro
Custom rates for volume
Enterprise
Custom pricing
Mercury
Banking for startups. Beautiful interface, powerful APIs, and founder-friendly features.
Wise
International transfers at the real exchange rate. The fairest way to send money globally.
Lemon Squeezy
Merchant of record for digital products. Simpler than Paddle, built for indie creators.
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