Stripe Reviews

Stripe.com's pricing structure is designed to be transparent and pay-as-you-go. For standard online transactions, businesses are charged 2.9% plus 30 cents per successful charge for domestic cards. For those with large payments volume or unique business models, custom packages are available, which may include IC+ pricing, volume discounts, and multi-product discounts. Additional fees apply for international cards and currency conversion, typically an extra 1%. Stripe Billing offers usage-based pricing for managing subscriptions and recurring payments, with rates starting at 0.5% for recurring charges under the Starter plan and 0.8% for the Scale plan. These rates are in addition to the standard transaction fees for payment processing.

Stripe.com is renowned for its comprehensive suite of products and services tailored to facilitate online and in-person payments. Among the most popular offerings are Stripe Payments, which includes a variety of customer interfaces such as prebuilt payment forms, modular UI components, and API-only integrations. Stripe Terminal extends these capabilities to in-person transactions. For businesses operating on a platform model, Stripe Connect provides a payment solution, while Stripe Radar offers advanced fraud and risk management. Stripe Billing supports subscriptions and recurring payments, and Stripe Issuing allows for card creation. The company also aids businesses with financial reporting and compliance through Stripe Sigma and Stripe Atlas, and offers financial services infrastructure with Stripe Treasury and Stripe Capital.

Stripe.com supports a diverse range of payment methods to cater to global businesses and customers. These include traditional cards like Visa and Mastercard, digital wallets such as Apple Pay and Google Pay, and bank debits and transfers. For international transactions, Stripe facilitates bank redirects and real-time payments, along with buy now, pay later options. The platform also accepts cash-based vouchers and local payment methods specific to certain regions, ensuring that businesses can offer their customers the preferred way to pay. This flexibility in payment options is part of Stripe's commitment to helping businesses increase conversion rates and expand their reach across different markets.

Stripe.com allows customers to cancel a payment before it's completed at no cost. After a payment has been successful, a full or partial refund can be issued, which might incur a fee. Refunds are processed using the available Stripe balance, and if the balance doesn't cover the refund, the remaining amount is debited from the bank account. Refunds are returned to the original payment method used in a charge. In cases where the card is expired or canceled, the card issuer will handle the refund, usually crediting it to the customer's replacement card or an alternate method. For shipping, Stripe enables businesses to create different shipping rates for customers, such as standard, express, and overnight, with accurate delivery estimates. These rates can be charged using various Stripe products, and the platform provides guidance on collecting billing and shipping addresses.

Stripe's pricing model is pay-as-you-go with no setup fees, monthly fees, or hidden fees. The cost for online transactions is 2.9% plus 30 cents per successful charge for domestic cards. For businesses with large payments volume or unique business models, there are custom packages which may include IC+ pricing, volume discounts, and multi-product discounts. An additional 1% fee is applied for international cards and currency conversions. Stripe also offers flat-rate pricing for subscriptions and recurring payments, starting at 0.5% for the Starter plan and 0.8% for the Scale plan, in addition to the standard transaction fees.

Stripe handles security and compliance by adhering to the Payment Card Industry Data Security Standard (PCI DSS), which is the most stringent level of certification available in the payments industry. As a PCI Service Provider Level 1, Stripe undergoes regular audits by a PCI-certified auditor. To assist users with PCI compliance, Stripe offers features that automate some aspects of the process, depending on the user's integration method. Additionally, Stripe's systems, processes, and controls are audited as part of the System and Organization Controls (SOC) 1 and SOC 2 compliance programs, with reports produced annually. Stripe also aligns its suite of information security policies with the NIST Cybersecurity Framework and continuously implements evolving privacy and data protection processes under applicable regimes.

Stripe's fees for in-person payments are 2.7% plus 5 cents per successful transaction. This rate applies whether customers use debit cards, credit cards, mobile wallets like Android or Apple Pay, American Express, or Visa with the Stripe Terminal card reader. The costs remain consistent across these different payment methods.