Best Stripe Competitors for Small Businesses
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Input your business’s monthly transaction details and we’ll help you sort from the best valueProduct | Cost Estimate | Payment processing fees | Cost Estimate | Learn more | ||
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Square Payments Processing Learn more on Square Payments Processing's secure website | Get an estimated monthly cost for your business. | Best for In-person transactions | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $0 | Get an estimated monthly cost for your business. | Learn more on Square Payments Processing's secure website |
Stax by Fattmerchant Learn more on Stax by Fattmerchant's secure website | 4.5/5 Best for Businesses with high transaction volumes | In-person: 0% + $0.08 Plus interchange | $99 and up. | Learn more on Stax by Fattmerchant's secure website | ||
PayPal Zettle | 4.5/5 Best for Brick-and-mortar businesses expanding online | In-person: 2.29% + $0.09 Online: 3.49% + $0.49 | $0 | |||
Adyen | 5.0/5 Best for Large omnichannel businesses | 0% + $0.13 Plus interchange for Visa and Mastercard; 3.3% + $0.23 for AmEx. | $0 | |||
Verifone | Best for Online-only businesses that sell around the world | N/A online with 2Sell plan; 4.5% + 45¢ online with 2Subscribe plan. | $0 | |||
WePay | Best for Chase business account holders | N/A online with WePay Link; 2.9% + 30¢ online for merchant platforms without set processing fees. | $0 | |||
Authorize.net | Best for Payment gateway only | 2.9% + $0.30 for All-in-One option. | $25 | |||
Braintree | Best for Payment gateway plus merchant account | 2.59% + $0.49 credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only). | $0 | |||
PayJunction | Best for Businesses ready to go paperless | N/A for credit cards. | $0 if you process $10K+ per month; otherwise, $35 per month. |
Our pick for
In-person transactions
Square Payments Processing
on Square Payments Processing's secure website
$0
Pros
- Simple, transparent prices.
- Diverse hardware lineup.
- Long list of features.
Cons
- More specialized POS systems exist.
- Doesn't run on Windows desktop or tablet.
Our pick for
Businesses with high transaction volumes
Stax by Fattmerchant
on Stax by Fattmerchant's secure website
$99
and up.
Pros
- No markup on interchange rate.
- Unique add-on features.
Cons
- Not a good option for businesses with low sales.
- Pricing isn't as transparent as competitors.
Our pick for
Brick-and-mortar businesses expanding online
PayPal Zettle
$0
Pros
- Solid core features.
- No monthly fees.
- No long-term commitment.
- Low initial costs.
- Easy to use.
Cons
- No add-on features available.
- Limited integrations.
- Funds are transferred to your PayPal account and not your bank account.
Our pick for
Large omnichannel businesses
Adyen
0% + $0.13
Plus interchange for Visa and Mastercard; 3.3% + $0.23 for AmEx.
$0
Pros
- No monthly, setup, integration or closure fees.
- Payments accepted across online, in-store and app payment channels.
- Global payment options available.
- 24/7 customer support.
Cons
- Complex pricing model.
- Monthly minimums might exclude some small businesses. Minimums vary and require contacting Adyen to learn more.
Our pick for
Online-only businesses that sell around the world
Verifone
N/A
online with 2Sell plan; 4.5% + 45¢ online with 2Subscribe plan.
$0
Pros
- Global reach enables international selling.
- Tools and features for subscription-based businesses.
- Financial services to help with sales and international taxes, compliance, etc.
Cons
- Processes online payments only.
Our pick for
Chase business account holders
WePay
N/A
online with WePay Link; 2.9% + 30¢ online for merchant platforms without set processing fees.
$0
Pros
- Chase business customers benefit from same-day deposits.
- Customizability.
Cons
- Must use a WePay platform partner to sign up for WePay account.
- Platform partners may add markup fees.
Our pick for
Payment gateway only
Our pick for
Payment gateway plus merchant account
Braintree
2.59% + $0.49
credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only).
$0
Pros
- Transparent, competitive pricing.
- No contracts or early termination fees.
- No monthly, PCI compliance or minimum transaction fees.
- Accepts PayPal and Venmo in addition to credit and debit cards.
- Simple checkout page that looks good on web and mobile.
Cons
- Requires web development.
- Not suited for brick and mortar stores.
Our pick for
Businesses ready to go paperless
PayJunction
N/A
for credit cards.
$0
if you process $10K+ per month; otherwise, $35 per month.
Pros
- Offers payment gateway and merchant account.
- Free mobile app for iOS.
- Remote signature capability to protect against chargebacks.
Cons
- Fee applies for lower monthly transaction volumes.
Square: Best for in-person transactions
- 2.6% plus 10 cents for in-person transactions.
- 2.9% plus 30 cents for online transactions.
- 3.5% plus 15 cents for manually keyed transactions.
- 3.3% plus 30 cents for invoices.
PayPal Zettle: Best for brick-and-mortar businesses expanding online
- 2.29% plus 9 cents for in-person and QR code transactions.
- 3.49% plus 9 cents for manual-entry card transactions.
- 2.99% plus 49 cents for invoicing (payment made with card).
- 3.49% plus 49 cents for invoicing (payment made with PayPal).
Adyen: Best for large omnichannel businesses
- Interchange plus 13 cents per transaction for Visa and Mastercard.
- 3.3% plus 23 cents for American Express.
- 3%-12% plus 13 cents for other payment methods, depending on transaction type.
- 40 cents per transaction for ACH direct payment.
Verifone: Best for online-only businesses that sell around the world
- Starts at 3.5% + 35 cents for online payments with 2Sell plan.
- 4.5% + 45 cents for online payments with 2Subscribe plan.
- Does not offer processing for in-person payments.
WePay: Best for Chase business account holders
- 2.9% plus 25 cents per online transaction for credit card payments with WePay Link. Valid for new U.S. businesses only.
- 2.9% plus 30 cents per online transaction for merchant platforms without set processing fees.
- 2.6% plus 10 cents for in-person and manually keyed transactions.
Authorize.net: Best for a payment gateway only
- 2.9% plus 30 cents per transaction for a merchant account plus a gateway.
- 10 cents per transaction plus 10 cent daily batch fee for a payment gateway only.
Braintree: Best for a payment gateway plus merchant account
- 2.59% plus 49 cents per transaction for credit cards, debit cards and digital wallets.
- 3.49% plus 49 cents for Venmo (U.S. only).
- 0.75% for ACH (maximum fee of $5). Discounts available for enterprise businesses.
PayJunction: Best for businesses ready to go paperless
Stax: Best for businesses with high transaction volumes
- Interchange plus 8 cents for in-person transactions.
- Interchange plus 15 cents for manually keyed transactions.