Stripe

Stripe

Online payment processing for internet businesses

4.7/5 (1327 reviews)

Stripe Overview

Stripe is an online payment processing tool for internet businesses. Whether managing a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and functionality help users create the best possible product for their users.

Stripe allows users to bill customers on a recurring basis, set up a marketplace, or simply accept payments using its fully integrated, global payments platform. Developers are able to rapidly build production-ready integrations with modern tools, from React components to real-time webhooks. Using Stripe’s developer platform means less maintenance for legacy systems and more focus on core customer and product experiences.

Organizations can accept all major debit and credit card payments in 135+ currencies. If needed, enable 3D Secure for any payment. Stripe supports more than just cards using global payment methods, which can be activated from the dashboard including ACH credit transfers, Alipay, Bancontact, Giropay, and more.

Stripe’s elegant abstractions simplify adding or changing billing models, including a powerful interface to test and roll out new pricing easily. Users can bill customers with one-off invoices or automatically on a recurring basis. Go global with support for different payment methods. The Stripe billing API is easy to integrate into existing websites, mobile apps, or even CRM systems. Developers can use out-of-the-box functionality to get started quickly or use our composable API building blocks to design fully customized subscription logic and pricing models.

Users can create and manage subscriptions and invoices—and view detailed financial reports—directly from the dashboard. Stripe doesn’t limit the number of team members that can be added and supports granular roles and permissions to help manage access.

Connect, Stripe's routing and payout engine, will automatically track balances, batch earnings into payouts, time transfers with local cutoffs, and retry failed transfers. Users can also incorporate advanced flows like account debits, one-to-many payments, and others. Connect’s payout engine lets users specify payout timing for users, and includes instant payouts, which allows users to receive funds within minutes. Connect helps get recipients paid faster and removes errors and reconciliation work.

Pricing

Starting from
N/A
Pricing options
Free Trial
Free
Value for money

Devices

Business size

S
M
L

Markets

Australia, Canada, United Kingdom, United States

Supported Languages

English

Stripe Reviews

Overall rating
4.7/5
96% positive reviews
985
Excellent
290
Very good
37
Average
8
Poor
7
Terrible
Sarah V.

Easy Integration for a Variety of Content Management Systems

Used Daily for 2+ years
Reviewed on 2019/09/25
Review Source: Capterra

Customer service is excellent, the product itself is excellent, and it fulfills all of our needs and the needs of our clients.

Pros

Stripe is by far the most secure, easy to use, and easily integrated service of its type. We work with organizations both large and small, and whether a client has team members who are going to be working in their CMS after their website is designed or not, Stripe is the best option. It is easy to use, even for beginners and even those who are not designers and developers, and the fact that it doesn't allow hackers to add code to the checkout page protects our clients better than any other system we've seen. We recommend a Stripe integration for every single client who has an online store or sells any number of products online.

Cons

It does require some knowledge of front end development to integrate with many CMS platforms, even Wordpress. It's not necessarily the easiest to setup, even if you know your way around Wordpress or drag and drop design platforms. The only other downside is that checkout forms are not customizable. This is actually not a bad downside for us because the reason they are not so is due to the inability to add custom code to the checkout form, making it more secure. Trading customization for security is a no brainer on our end, but if you are an agency with a picky client, or if you just really want a custom checkout form, Stripe won't work for you. Then again, if you're willing to have your customer's credit card information stolen just because you refuse to use a templated checkout form that looks modern and is efficient and easy to use, your opinion sucks anyway.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Nick T.

The Best Payment Processor for both Beginners and Experienced Developers

Used Weekly for 2+ years
Reviewed on 2019/09/04
Review Source: Capterra

My experience with Stripe has been fantastic overall. They have done a great job with user experience and documentation. It's a company that truly opens up a world of entrepreneurial possibilities for everyone.

Pros

Stripe is easy to implement and offers a robust API for experienced developers to create highly customized solutions. It's easy to integrate with other platforms, create one-off charges for customers or subscriptions.

Cons

While the fees are competitive, they can get high on high dollar transactions. I try to resort to ACH transactions for larger transactions, but they can take about a week to process. I wish this was faster.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

9.0/10
Jon N.

Client Payment Option

Used Daily for 2+ years
Reviewed on 2019/07/30
Review Source: Capterra

I’ve used Stripe from the beginning and have had no issues with it.

Pros

What I like most about Stripe is the level of encryption and security associated with the product.

I also like the ease in which Stripe can be implemented / integrated on websites and e-commerce platforms.

Cons

The lack of other apps that can be used with Stripe but that’s an industry wide issue, regardless of payment platform, due to privacy and security.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Becky D.

Stripe is my first choice for all merchant processing needs

Used Daily for 2+ years
Reviewed on 2019/01/26
Review Source: Capterra

I love Stripe. I would use them for all of my merchant processing needs whenever possible. They have a solid platform that just works. Even if you are technically challenged, you can set up a Stripe account and plug it into your business.

They do a great job of scrubbing transactions for potential fraud and they are quick to pay out, usually within 1-2 business days. My bank tried to get me to change my merchant processing to them from Stripe, but they wanted me to sign a contact for 2 years and pay monthly fees whether I used it or not. Stripe doesn't do any of that nonsense. They charge you for each transaction and that is it.

Pros

It is extremely easy to set up an account and authorize it for use. Reporting is easy and useful, and I love that I get a snapshot of my income immediately upon logging in. Adding in new business is easy and allows me to keep my revenue streams organized for both me and my customers. Each new business lets me set a new statement descriptor so my customers know what they are paying for when reviewing their credit card statements.

They are integrated with many different platforms, including ecommerce and accounting software, so connecting the many pieces of your business is easy.

Cons

They have some extremely technical pieces of their software, including webhooks and API calls. If you are not technically minded, this can get confusing and potentially cause issues with your credit card processing. But as long as you are working with software that is integrated well (think Woocommerce or Xero) then it should be very easy to use Stripe in your business.

Also, while it is great that they send emails to my customers that have issues with their recurring transactions, they do not give those customers a way to update their credit card information. This seems like a no brainer considering they are the processor and they are giving notice that they are unable to process the card they have on file. Instead, they continue to email my customer, who then contacts me and I have to try to sort this out for them.

Rating breakdown

Value for Money
Ease of Use

Likelihood to recommend

10.0/10
Kamila G.

It's what I use to process payments!

Used Daily for 1+ year
Reviewed on 2019/01/16
Review Source: Capterra

I am pleased with them so far, I have heard from colleagues saying they can easily process millions per year in Stripe and without issues so I am looking forward to continuing to grow with this payment processor by my side.

Pros

I used to use my bank's merchant for 3-4 years, thinking they were giving me a better rate. long story short, they weren't AND they were confusing to use. So I switched to Stripe, which is frequently used in my field of coaching and digital products. I have been very happy so far.
- I am able to process payments myself, it integrate with 3rd party shopping carts with ease (I use ThriveCart), it allows to create trials, subscriptions, all the things I wanted. PLUS I get to charge and bill clients on my own too with their cards on file which sometimes we have to do when the clients tell us to do so, instead of having to send constant shopping cart links. I was doing that before with Infusionsoft and my merchant, but now I can do it all within Stripe and it's easy.
- I have not had any issues with Stripe holding my funds or anything. Pleased.
- I like their simple reporting as well, how much money you've made each day, etc. It's nice to see the comparisons on the monthly basis as well.

Cons

- It's a bit complicated to use for someone who might not be techy. I am pretty techy and I think I've got a handle on it, especially since I mainly use it as the processor with my shopping cart, but if I had to use Stripe on its own, it probably would get complicated.
- Sometimes I find it hard to find what I need to in Stripe. Like, a payment would get declined and I'd want to rebill or attempt the rebill - sometimes it's hard to find the option to do that on the declined payment. I always do eventually find it, but I never know EXACTLY how to do it.
- I wish the payments landed in my bank sooner but I just switched it so it lands in my bank like a day or so after being collected which is better. My own merchant would be next day so this is now closer.
- Obviously always would be nicer if the fees were lower but it is on par with every other option out there so this can't really be a con since it's not HIGHER.

Rating breakdown

Value for Money
Ease of Use

Likelihood to recommend

10.0/10

Stripe Pricing

Starting from
N/A
Pricing options
Free Trial
Free
Value for money

PAY AS YOU GO: 2.9% + 30¢ per successful card charge.

ENTERPRISE: contact Stripe.

Stripe has no setup fees, no monthly fees, no validation fees, no refund fees, and no card storage fees. There’s also no charge for failed payments. You’ll never have to decipher a complex statement, because you know what you’re charged in advance.

Stripe Features

  • API
  • Access Control
  • Electronic Payments
  • Reporting & Statistics
  • Third Party Integration

  • Activity Dashboard
  • Automatic Notifications
  • Content Management
  • Custom Forms
  • Customizable Branding
  • Customizable Templates
  • Data Import/Export
  • Drag & Drop Interface
  • Product Catalog
  • Search Functionality
  • Social Media Integration
  • Template Management
  • Website Management
  • eCommerce Integration
  • eCommerce Management

Additional information for Stripe

Key features of Stripe

  • 3D Secure
  • APIs
  • Accept all major debit and credit cards
  • Account security
  • Accounting support
  • Authorization features
  • CVC/AVS checks
  • Collaboration notes
  • Collect transaction fees
  • Consolidated reports
  • Custom UI toolkit
  • Dispute handling
  • Dynamic statement descriptors
  • Embeddable checkout
  • Financial reporting
  • Full-stack payments
  • Full/partial refunds
  • Google Authenticator two-step authentication
  • Guaranteed settlement
  • Instant payment acceptance
  • Invoice closing and opening
  • Invoice paying
  • Invoicing
  • Mobile customer interfaces
  • Mobile payments
  • Mobile web
  • Multi-currency payouts
  • Multiple currencies
  • Open-source plugins
  • PCI compliance
  • Payout timing
  • Reconciliation
  • Reporting and insights
  • Roles and permissions
  • SMS two-step authentication
  • Shared customers
  • Stripe Radar for fraud & disputes
  • Subsidiary support
  • Third party integrations
  • U2F keys
  • Unified payouts
  • iOS and Android SDK

Benefits

  • Create a customized checkout experience that works across browsers and devices of all sizes. Choose from a range of options that allow control across flexibility, customization, and ease.

  • Accept all major debit and credit cards from customers in every country including Visa, Master Card, American Express, Discover, JCB, Diners Club, China, and UnionPay.

  • Simplify and accelerate how you reconcile transactions through Stripe's API and dashboard for real-time information about charges, fees, refunds, and transfers.

  • See all charges—across different payment types, countries, and currencies—in the Stripe Dashboard or extract the data directly from the API.

  • Hundreds of integrations help extend the Stripe platform and automate almost every manual process that used to take hours of human time.

  • Stripe FAQs

    Below are some frequently asked questions for Stripe.

    Q. What type of pricing plans does Stripe offer?

    Stripe offers the following pricing plans:

    Pricing model: Free

    Free Trial: Not Available

    PAY AS YOU GO: 2.9% + 30¢ per successful card charge.

    ENTERPRISE: contact Stripe.

    Stripe has no setup fees, no monthly fees, no validation fees, no refund fees, and no card storage fees. There’s also no charge for failed payments. You’ll never have to decipher a complex statement, because you know what you’re charged in advance.

    Q. What are the main features of Stripe?

    Stripe offers the following features:

    • 3D Secure
    • APIs
    • Accept all major debit and credit cards
    • Account security
    • Accounting support
    • Authorization features
    • CVC/AVS checks
    • Collaboration notes
    • Collect transaction fees
    • Consolidated reports
    • Custom UI toolkit
    • Dispute handling
    • Dynamic statement descriptors
    • Embeddable checkout
    • Financial reporting
    • Full-stack payments
    • Full/partial refunds
    • Google Authenticator two-step authentication
    • Guaranteed settlement
    • Instant payment acceptance
    • Invoice closing and opening
    • Invoice paying
    • Invoicing
    • Mobile customer interfaces
    • Mobile payments
    • Mobile web
    • Multi-currency payouts
    • Multiple currencies
    • Open-source plugins
    • PCI compliance
    • Payout timing
    • Reconciliation
    • Reporting and insights
    • Roles and permissions
    • SMS two-step authentication
    • Shared customers
    • Stripe Radar for fraud & disputes
    • Subsidiary support
    • Third party integrations
    • U2F keys
    • Unified payouts
    • iOS and Android SDK

    Q. Who are the typical users of Stripe?

    Stripe has the following typical customers:

    Freelancers, Large Enterprises, Mid Size Business, Small Business

    Q. What languages does Stripe support?

    Stripe supports the following languages:

    English

    Q. What type of pricing plans does Stripe offer?

    Stripe has the following pricing plans:

    Free

    Q. Does Stripe support mobile devices?

    Stripe supports the following devices:

    Android, iPhone

    Q. What other apps does Stripe integrate with?

    Stripe integrates with the following applications:

    Accelo, Blinksale, Bookeo, Checkfront, LeadDyno, LightCMS, Post Affiliate Pro, SeamlessGov, Zenbership, Zoho Books

    Q. What level of support does Stripe offer?

    Stripe offers the following support options:

    Forum, Knowledge Base, Online Support