Stripe
PaidPayment processing for the internet
FinancePaid
#zapier#make#n8n
About Stripe
Stripe is a global financial infrastructure platform enabling businesses to accept payments, offer financial services, and implement custom revenue models online and in person. It supports 135+ currencies and payment methods, processes US$1.9 trillion in payments volume (2025), maintains 99.999% historical uptime, and manages over 200 million active subscriptions on Stripe Billing. The platform provides AI-powered tools like Stripe Radar for fraud prevention, Smart Disputes for automated evidence handling, and enhanced checkout optimization through Link one-click checkout. Stripe serves businesses from startups to large enterprises like Amazon, Shopify, and Uber, offering pre-built UIs, developer-friendly APIs, and a suite of products including Payments, Connect, Terminal, Billing, Issuing, and Sigma.
Key Features
Accept payments online, in person, and across 195+ countries with 100+ payment methods
AI-powered fraud prevention with Stripe Radar and Authorization Boost
Link one-click checkout for increased conversion
Subscription and billing management for recurring revenue models
Card issuing and borderless stablecoin/crypto money movement
Embedded payments platform for platforms and marketplaces
Smart Disputes with AI-prepared evidence to win chargebacks
99.999% historical uptime and global scalability
Developer-friendly APIs and pre-built UI components (Elements, Payment Links, Checkout)
Multi-currency support with automatic local currency presentation
Pros & Cons
Pros
- Global reach: supports 135+ currencies and local payment methods in 195+ countries
- Highly reliable with 99.999% historical uptime
- AI-powered fraud prevention and payment optimization built in
- One-click checkout (Link) increases conversion rates
- Developer-friendly with comprehensive APIs, pre-built UIs, and extensive documentation
- Scalable from first transaction to billions in volume
- Comprehensive suite: payments, billing, connect, terminal, issuing, and data tools
- Fast onboarding and easy integration with platforms like Stripe Atlas
Cons
- Standard transaction fees (2.9% + $0.30) can be costly for high-volume or low-margin businesses
- Dispute fees ($15 per dispute) and currency conversion fees (starting at 2%) add to costs
- Advanced features like card issuing and custom pricing require sales contact
- Instant payouts incur a 1% fee; standard payouts are free but delayed
- Some features (e.g., Smart Disputes) charge a percentage of disputed amount for won disputes
- Technical integration may require developer resources for full customization
Best For
E-commerce and retail payments (online and in-store)Subscription and recurring billing (SaaS, media, memberships)Marketplace and platform payouts (e.g., Instacart, Uber)Global expansion and cross-border commerceAI agent and agentic commerce monetizationCard issuing and spend managementGrocery delivery and on-demand servicesDigital subscription management for publishers (e.g., Le Monde)
Pricing Plans
Integrated
PopularContact Sales
- 2.9% + 30¢ per transaction
- No monthly fees
- Global payments
- Fraud prevention
- Invoicing
- API access
Custom
Contact Sales
- Volume discounts
- Multi-product discounts
- Country-specific rates
- Dedicated support
- Migration assistance
Alternatives to Stripe
FAQ
What is Stripe's pricing model?
Standard payments pricing is 2.9% + $0.30 per successful domestic card transaction, with additional fees for manually entered cards (+0.5%), international cards (+0.8%), and currency conversion (starting at 2%). Custom pricing is available for high-volume businesses.
What is Stripe's uptime reliability?
Stripe achieves 99.999% historical uptime for its services, ensuring high availability for payment processing.
Does Stripe support recurring billing?
Yes, Stripe Billing enables any billing model, managing over 200 million active subscriptions with features like metered billing, usage-based pricing, and plan management.
How does Stripe protect against fraud?
Stripe Radar uses AI trained on billions of data points to automatically detect and block fraud. Authorization Boost and Adaptive Acceptance also improve approval rates while reducing fraud.
Can I accept payments in multiple currencies?
Yes, Stripe supports 135+ currencies. You can present prices in local currencies to customers, and manage multi-currency settlement with conversion fees starting at 2%.
What is Stripe Link?
Link is Stripe's one-click checkout solution that stores customer payment details securely, enabling faster checkout and higher conversion rates across thousands of sites.