What is Stripe?
Stripe describes itself as financial infrastructure to grow your revenue. Its homepage says businesses can accept payments, offer financial services and implement custom revenue models, from the first transaction to the billionth. Stripe Payments covers online collection through hosted or custom integrations, and the Payments documentation is the entry point for developers.
Two further products have their own documentation sections. Billing handles recurring charges and Radar handles risk evaluation. Each has its own scope, settings and pricing, so a team adopting Payments does not automatically get the others.
Merchants must check supported markets, payment methods and settlement arrangements for their own business model. Stripe pricing varies by country, so use the pricing page for your market. Stripe is a hosted service with an API, and its integrations run on the web, iOS and Android.
Key capabilities
- Checkout A full-page, conversion-optimised checkout for launching faster, with payment APIs behind it.
- Payment methods Built-in optimisations, access to 125+ payment methods and one-click checkout.
- Global reach Cross-border selling to 195+ countries with lower multi-currency management costs.
- Tax Recurring payments and Stripe Tax can be added to Checkout with no additional integration work.
- Billing Subscriptions and usage-based billing in one automated flow, with 15+ built-in models such as flat rate, per seat and tiered, where adopted.
- Radar Risk evaluation that detects threats early, usable whether or not payments are processed on Stripe, where enabled.
- Disputes Prevention tools from Verifi and Ethoca, plus Smart Disputes, which manages and submits evidence for you.
Where Stripe fits
- Payments Accept payments online and in person, with hosted or custom integrations.
- Payouts Global Payouts sends money to third parties, which is the end of the authorization to payout trail.
- Billing and invoices Create one-off or recurring invoices, and offer Stripe-hosted invoice pages and prebuilt customer portals.
- Failed payments Customise dunning flows with email alerts for failed transactions and expiring payment methods.
- Disputes and refunds Trace each payment through refunds, failures and disputes, with Smart Disputes handling evidence.
- Fraud Radar detects threats early across the payment flow, so include finance permissions when you trace the money.
- Accounting Revenue Recognition automates accounting, and Sigma and Data Pipeline provide custom reports and data sync for exports.
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Alternatives to Stripe
AdyenAdyen is an Amsterdam-founded payments platform for enterprises, covering online and in-person acceptance, payouts and card issuing.
AirwallexAirwallex offers business multi-currency accounts, international transfers, corporate cards, payment acceptance and invoicing, plus platform APIs.
Checkout.comCheckout.com provides payment APIs and hosted components for building merchant checkout flows.