Alternatives to Stripe: A Quick Guide

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Are you looking for a good integrated payment solution for your company that isn’t Stripe? Here are the best alternatives to Stripe.

Imagine you set up Stripe, and you’re ready to open your new business. But you realize that the processor charges a lot of fees and just doesn’t meet your needs.

Before you close your doors, consider some alternatives to Stripe. Other tools may suit your business better, so you can start and grow successfully.

Read on to learn more about different tools.


One of the best alternatives to Stripe is Payline. You can use it to collect business payments online or in person, so it’s great for most businesses.

Online payments cost $0.20 per transaction and $20 per month overall. If you take payments in person, you’ll owe $0.10 per transaction and $10 per month. When comparing Stripes 2.9% versus Payline, you will save over .5%.

These rates don’t include interchange rates, which vary between Visa, Mastercard, and other card providers. Still, it offers lower fees than Stripe, especially if you process a lot of transactions.

You can also accept Discover and American Express. That means your customers get to use whichever card they prefer, which may help you make more sales.


PayPal is another option to consider for payment processing. It’s a nice choice because a lot of people already use it, which means you can collect payments through cards or PayPal balances.

Unfortunately, you have to pay 3.49% plus $0.49 on every transaction. You’ll also face a $20 fee anytime you get a chargeback, but you can use your PayPal account to pay for other business expenses.

The money will hit your account right away, which is convenient. You can always transfer it to your bank account for free with a slight delay or immediately for another fee.


PayPal owns Venmo, which is primarily a peer-to-peer payment app. However, the Venmo business profile lets you take payments for your company.

You can accept payments through the app or online, but it comes with the same fees as PayPal. If you know a lot of your ideal customers use Venmo, switching to this method may be well worth it.

However, it’s not the most cost-effective, so you might want to raise prices. That way, you can make up for the increase in fees.

But since it’s a per-transaction fee, it can be nice for the occasional purchase. You don’t have to worry about paying the same amount month after month.


Square is another one of the best alternatives to Stripe. It has many of the same fees, such as a 2.9% plus $0.30 per transaction, and there aren’t any monthly fees.

What’s nice about Square is that it doesn’t have any chargeback fees, and it features hundreds of integrations. It’s a nice choice for local and online businesses.

While the fees are about the same, Square is great for new businesses. If you don’t have a ton of transactions each month, you may be able to save money as you start your company.

Amazon Pay

Amazon Pay is an excellent option if most of your business payments happen online. You can add the Amazon Pay button to your website, and customers can check out using their Amazon account.

It’s a nice option if you know your ideal clients shop on Amazon often. You can make buying from you easier since they won’t have to enter their card information.

The fees are the same as Square and Stripe at 2.9% plus $0.30 per transaction. However, it’s not an ideal solution if you also accept payments in person since it only works online.


A lesser-known payment processor is Payanywhere. It’s useful if you sell small-ticket items and if you need your money the next day after making a sale.

Unfortunately, it’s not the best for international credit cards, and there’s an inactivity fee. Each transaction costs 3.49% plus $0.19 to process, and you have to use the mobile app to process payments.

However, you don’t have to worry about monthly fees or chargeback fees. That can make your business expenses a bit more predictable since you only have to pay when you make money.

Now, some customers have complained of hidden fees, which can make the cost less predictable. But you can also use it for employee management, scheduling, and other tasks.


Helcim is yet another option when looking at alternatives to Stripe. Each transaction will cost you an interchange fee along with 0.2% plus $0.10 up to 0.5% plus $0.25.

You don’t have to pay any monthly fees, and you get a free virtual terminal and POS. It also works well if you get a lot of international orders since it accepts payments from abroad.

Sadly, it doesn’t offer a ton of integrations, which may not be ideal for your business. Also, it might not be worth it if you don’t get a high volume of sales since you can get volume discounts.

You’ll face a $15 chargeback fee, but you can get a refund if the chargeback isn’t your fault. You can set up Helcim to work on your website or in your app.


Chase isn’t one of the more affordable alternatives to Stripe. However, it does have the backing of a major bank, so you can trust that it’s a good payment gateway.

Transactions cost 3.5% plus $0.10, and your monthly fee may be nothing or as much as $25. A chargeback can cost anywhere from $25 to $100, depending on the transaction.

If you have a Chase bank account, you can transfer money to it immediately. You might also be able to negotiate rates on certain things to help save money.

However, some people have said Chase has account stability problems. And they could require you to sign a contract, so you can switch to something else if you find it’s cheaper.

Which Alternatives to Stripe Will You Try?

You have access to multiple alternatives to Stripe. Payline is by far the best with more predictable monthly fees and lower fees per transaction, so you can scale your business without increasing your expenses.

Plus, you can accept payments from all major cards both in-person and online. Be sure to consider your other options to make sure you select the best payment processor for your business.

Are you ready to try Payline? Sign up now!

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