Show HN: List of Stripe Alternatives

Oh, forgot to mention that 2Checkout and Verifone are the same product but still have different sites for some reason. Or at the very least, Verifone owns 2Checkout.

Any of those support crypto and credit card? I added Coinbase commerce to my site as an option but unfortunately it doesnt support Monero.

We're excited to see how the open-source Lago (https://www.getlago.com/) develops. Does anyone here have experience working with it?

- Visa | https://developer.visa.com

- Masterpass by Mastercard | https://masterpass.com

While this is a good list of companies that operate roughly in the same space as Stripe, a more useful one for the intended audience would be finding replacements for the specific Stripe services/APIs they are using. It's not as simple as saying "just switch from Stripe to PayPal/Square". Most of these companies specialize in a specific problem with very little overlap with the rest. Stripe doesn't have a real 1:1 competitor.

2Checkout, DigitalRiver, FastSpring, Paddle and Payoneer used to be reasonably popular in "old-school" shareware circles.

These aren't payment processors. They all come from pre-Stripe times and they are so-called "registration services".

These are effectively resellers, providing "full service" that includes order processing, customer callbacks (fraud detection), distribution of activation codes, first line of support for licensing inquiries, etc. -- all the things that used to be complicated in the era when people ordered by phone, fax and email, paid with cheques and the software was licensed fully offline using either procedurally-generated codes or codes hardcoded into executables.

They all are still stuck there - rigid, clunky, buggy and, above all, unnecessary expensive.

These aren't Stripe alternatives. These are dinosaurs desperately clinging to life.

Some of these are viable payment processors, but if you're trying to run anything vaguely like a market, it's hard to replace Stripe. I've tried.

In detail, something that handles both credit card payments from users and ACH payouts to users, possibly with some substitutions like debit instead of credit or wire instead of ACH. Ideally allowing user-to-user payments without having to float the money yourself. Stripe is handling some big regulatory hurdles for you, like KYC.

Personally, I'm looking into Checkout and Mollie (hope they're not UK-only) and will use OpenNode as my crypto payment provider.

I investigated a bit about this and found Square promising because it allows creating a link to allow customers engage in a subscription, which is super helpful to not code such a flow when validating a product.

I don't know whether Paddle supports this but a customer is super happy with them, it was also super simple to integrate from the developer side.

Thanks for the list.

Not really a Stripe alternative - but if you run out of alternatives, there's always Bitcoin. That is, if you want to accept payments without using any third-party service.

I wish more people implemented Bitcoin (Lightning) payments on their websites. I always pay with Bitcoin when there's an option; simply because it's easier and faster, compared to typing in my CC info and 2FAing it with my bank app. Bitcoin requires just scanning a QR code with a mobile wallet.

BTCPay Server[0] is the most popular (I think) self-hosted software for accepting Bitcoin payments. It's also available as a hosted version.

[0] https://btcpayserver.org

I use these guys (based in Australia): https://pinpayments.com/

Excellent support, and no bullshit. It really as simple as creating an account, installing the plugin on my website then collecting payments.

I'm specifically looking for a payment provider handling SaaS subscriptions (monthly/annually).

Any recommendations?

Stripe is the only processor I’m aware of that is self-service and you can be accepting payments within minutes.

But that comes with a major downside, you don’t actually get a merchant account.

If having a merchant account is important to you, Adyen is pretty great.

Lemon Squeezy [1] is another great option. I use it on my site RemoteFriendly. They are take 5% and handle all the tax, fraud stuff for you as a merchant of record.

[1] https://www.lemonsqueezy.com/

Is there an inclusion criteria for this list? You listed PayPal as an alternative. I cannot imagine recommending Paypal to someone complaining about Stripe- arguably there are more complaints on HN about Paypal than Stripe!

SumUp | https://sumup.com/

Great list, thank you.

One option is to always have more than one payment processor activated.

Splitting payments across providers early on doesn’t have to be a bad thing.

There are libraries focused in billing and payment management and leaving the payment processing only to stripe, etc. These libraries that can handle multiple payment providers and help reduce dependency on the a single payment provider for payment management functionality.

It’s always felt like a risk.

One stand alone library that I’m looking at is https://killbill.io/

If there are alternatives to this that folks have experience with - it would be great if you could share

Snipcart

TIL about Amazon Pay.