Stripe is the global standard checkout for online businesses: a clean API, excellent documentation and tools for subscriptions, invoicing and fraud. A business can open an account only in supported countries.
Best in SecurityBest in Spending insight and fraud detection
Founded
2010
Based in
San Francisco and Dublin
Business model
Online payments infrastructure for businesses
Available in
29 countries: United States, Canada, Mexico, Brazil, United Kingdom, Ireland, France, Germany, Spain, Italy, Netherlands, Belgium, Portugal, Poland, Austria, Switzerland, Sweden, Norway, Denmark, Finland, United Arab Emirates, India, Japan, Singapore, Malaysia, Thailand, Hong Kong, Australia, New Zealand
Score by criterion, against the category
The tick on each bar is the category average; the signed number is the distance from it.
Security94+5
Fees72
Transaction speed88+1
Spending insight and fraud detection90+8
Acceptance and coverage82-4
Good fit for
An online shop or software product that wants checkout on its own site
Subscription businesses with recurring billing
Marketplaces that need to split payments between sellers
Less suited when
Businesses registered in unsupported countries, including Iran
Individuals who only want to send money to a friend
Strengths
An API and documentation that set the industry standard
Cards, mobile wallets and local payment methods
Built-in fraud prevention, subscriptions and invoicing
A hosted checkout page that needs little code
Opportunities for improvement
Room for improvement in: Accounts only for businesses registered in supported countries
Room for improvement in: Standard fees at low volume are higher than local rivals
Room for improvement in: Account shutdowns without prior warning have been reported in high-risk categories
Verdict
The best online checkout in the world for businesses in supported countries; at high volume, negotiate the fees.
What Stripe actually is
Stripe was built in 2010 by the Collison brothers to make accepting online payments a matter of a few lines of code. Today it is the checkout behind many of the world's large platforms, the gateway role Zarinpal plays in Iran at global scale.
What you pay and what you get
Fees are a percentage plus a fixed amount per successful transaction, with extra costs for foreign cards and conversion. High volume can get custom pricing.
Where it is strong
API quality, security and the tools around payments, such as subscriptions, fraud prevention and marketplace splits, put Stripe ahead of most gateways.
How it can improve, and what we could not verify
Opening an account depends on where the business is registered, and Iran is not supported. The countries listed are those where business registration was clear; Stripe's official list may include more.
Questions about Stripe
Does Stripe work in Iran?
No; Iranian businesses cannot open an account. Zarinpal covers this space in Iran.
Is Stripe for individuals?
No; it is for businesses accepting online payments.
What does Stripe charge?
A percentage of each transaction plus a fixed amount, varying by country.
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Disclosure: Seemerce is developing products in some of these same areas (Seemerce Infinity). Scores are editorial assessments by Seemerce based on public information. Companies can send corrections or a reply to mahdiparto94@gmail.com. Names and logos belong to their owners and are used only to identify them; Seemerce is not affiliated with or endorsed by them.
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