Stripe alternatives: 10 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank All payment gateways

Top picks

Best overall
Razorpay
Setup cost: ₹0 setup and ₹0 maintenance
Best free option
Lemon Squeezy
Free

Common reasons people leave Stripe: not available to businesses in every country, and add-on products like Billing and Tax carry their own fees. We ranked 10 alternatives by how directly each one replaces Stripe, then by reviews, real visits and how recently each app's facts were checked against its own website. Razorpay currently ranks first.

Quick comparison

#	App	Pricing	Verified price	Open source	Platforms	Verified facts	Score
1	Razorpay	Paid	Custom pricing above ₹5,00,000 monthly revenue	No	Web, iOS, Android	8 of 8	61.8
2	Cashfree Payments	Paid	₹20 per IMPS/NEFT/RTGS payment	No	Web	8 of 8	59.4
3	Paddle	Paid	—	No	Web	6 of 6	56.8
4	Lemon Squeezy	Free	—	No	Web	4 of 4	54.4
5	PayPal	Free plan + paid	—	No	Web, iOS, Android	8 of 8	50.0
6	Adyen	Paid	—	No	Web, iOS, Android	6 of 6	42.3
7	Authorize.net	Paid	—	No	Web	4 of 4	42.3
8	Xendit	Paid	—	No	Web	5 of 5	40.0
9	Paystack	Paid	—	No	Web	4 of 4	40.0
10	Flutterwave	Paid	—	No	Web, iOS, Android	5 of 5	37.8

1. RazorpayTop pick
Best for: Indian businesses that want a single gateway for UPI, cards and netbanking plus payouts
PaidWeb, iOS, Android
61.8
score / 100
Why switch from Stripe
Better choice for India-based businesses that need UPI and netbanking.
Pros
Covers UPI, cards, netbanking, EMI and wallets in one integration
No setup fee or annual maintenance charge on the standard plan
Payment links, subscriptions and payouts live in the same dashboard
Cons
Built for Indian businesses; not a general global processor
Standard fee applies even to UPI payments, which carry no bank MDR
Account activation needs KYC documents and review before going live
Visit Razorpay Compare with Stripe Details and reviews
How this score is calculated
Editorial fit ×0.377
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Razorpay a good Stripe alternative?
Verified facts
8 of 8 verified
Standard fee
2% + GST per transaction
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Setup fee
None, and no annual maintenance charge
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Payment methods
Cards, netbanking, UPI and wallets
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Regulation
RBI-authorised payment aggregator
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Standard pricing
2% + GST per successful transaction
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Setup cost
₹0 setup and ₹0 maintenance
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Free trial
0% gateway fee for the first 90 days
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
Enterprise plan
Custom pricing above ₹5,00,000 monthly revenue
Checked Nov 8, 2026razorpay.com(opens source in a new tab)
2. Cashfree Payments
Best for: Indian businesses that need both payment collection and high-volume payouts
PaidWeb
59.4
score / 100
Why switch from Stripe
Indian gateway with UPI, payouts and a lower standard domestic rate.
Pros
Standard rate slightly below the common 2% Indian benchmark
Payouts and verification APIs sit alongside the gateway
Accepts international cards and PayPal with INR settlement
Cons
Amex, Diners and international cards cost noticeably more
Mainly for Indian-registered businesses
Promotional zero-fee offers come with detailed eligibility terms
Visit Cashfree Payments Compare with Stripe Details and reviews
How this score is calculated
Editorial fit ×0.369
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Cashfree Payments a good Stripe alternative?
Verified facts
8 of 8 verified
Standard fee
1.95% + taxes per transaction
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
Setup fee
None
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
Payment methods
180+ payment modes
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
International payments
140+ currencies, settled in INR
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
Standard pricing
1.95% platform fee per transaction
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
International card pricing
2.99% platform fee
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
Bank transfer pricing
₹20 per IMPS/NEFT/RTGS payment
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
Payout pricing
From ₹3 per NEFT payout up to ₹1,000
Checked Nov 8, 2026cashfree.com(opens source in a new tab)
3. Paddle
Best for: SaaS and app companies that want payments and global sales tax handled by a merchant of record.
PaidWeb
56.8
score / 100
Why switch from Stripe
Acts as merchant of record, so it handles global sales tax and VAT for software sellers.
Pros
Takes on global sales tax and VAT collection and filing
No monthly fee; you pay per transaction
Subscriptions, invoicing and dunning in one platform
Cons
Per-transaction fee is higher than a plain payment processor
Built for software and digital goods, not physical products
Low-value products need a custom pricing conversation
Visit Paddle Details and reviews
How this score is calculated
Editorial fit ×0.360
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Paddle a good Stripe alternative?
Verified facts
6 of 6 verified
Transaction fee
5% + 50¢ per checkout transaction
Checked Nov 8, 2026paddle.com(opens source in a new tab)
Monthly fee
None
Checked Nov 8, 2026paddle.com(opens source in a new tab)
Merchant of record
Yes
Checked Nov 8, 2026paddle.com(opens source in a new tab)
Tax coverage
100+ jurisdictions
Checked Nov 8, 2026paddle.com(opens source in a new tab)
Currencies
20+
Checked Nov 8, 2026paddle.com(opens source in a new tab)
Enterprise plan
Custom pricing for high-volume businesses
Checked Nov 8, 2026paddle.com(opens source in a new tab)
4. Lemon Squeezy
Best for: Indie software makers who want global tax handled for them
FreeWeb
54.4
score / 100
Why switch from Stripe
Merchant-of-record checkout aimed at indie software and digital product sellers.
Pros
Handles global sales tax and VAT as merchant of record
Subscriptions and licence keys built in
No monthly fee
Cons
Per-transaction fees higher than plain payment processing
Future direction uncertain after the Stripe acquisition
Storefront options are basic
Visit Lemon Squeezy Details and reviews
How this score is calculated
Editorial fit ×0.352
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Lemon Squeezy a good Stripe alternative?
Verified facts
4 of 4 verified
Transaction fee
5% + 50¢
Checked Nov 8, 2026lemonsqueezy.com(opens source in a new tab)
Monthly fee
None for ecommerce features
Checked Nov 8, 2026lemonsqueezy.com(opens source in a new tab)
Merchant of record
Yes
Checked Nov 8, 2026lemonsqueezy.com(opens source in a new tab)
Stripe update
Migration path to Stripe Managed Payments
Checked Nov 8, 2026lemonsqueezy.com(opens source in a new tab)
5. PayPal
Best for: People who pay online often or send money to friends across iPhone and Android
Free plan + paidWeb, iOS, Android
50.0
score / 100
Why switch from Stripe
Buyers already know and trust the PayPal button, and it works in many markets without building a custom checkout.
Pros
Accepted at a very large number of online stores
Works on any phone and in the browser
Purchase Protection on eligible purchases
Cons
Fees on some transfers, currency conversion and receiving payments
Not a full tap-to-pay phone wallet in most countries
Features like Pay Later and crypto vary by country
Visit PayPal Details and reviews
How this score is calculated
Editorial fit ×0.338
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is PayPal a good Stripe alternative?
Verified facts
8 of 8 verified
Account cost
Free to open
Checked Nov 8, 2026paypal.com(opens source in a new tab)
Platforms
iOS, Android
Checked Nov 8, 2026paypal.com(opens source in a new tab)
Buy now, pay later
Pay in 4, Pay Monthly (US)
Checked Nov 8, 2026paypal.com(opens source in a new tab)
Buyer protection
Purchase Protection
Checked Nov 8, 2026paypal.com(opens source in a new tab)
PayPal Checkout fee
3.49% + fixed fee (US)
Checked Nov 8, 2026paypal.com(opens source in a new tab)
Card payments fee
2.99% + fixed fee (US)
Checked Nov 8, 2026paypal.com(opens source in a new tab)
Fixed fee
$0.49 per US dollar transaction
Checked Nov 8, 2026paypal.com(opens source in a new tab)
International fee
Extra 1.50% on international commercial payments
Checked Nov 8, 2026paypal.com(opens source in a new tab)
6. Adyen
Best for: Large and international businesses that want online and in-store payments on one platform
PaidWeb, iOS, Android
42.3
score / 100
Why switch from Stripe
Interchange++ pricing and unified in-store and online payments for large merchants.
Pros
One integration for online, in-app and in-store payments worldwide
Interchange++ card pricing with no setup or monthly fees
Wide range of local payment methods and currencies
Cons
Sales-led onboarding geared to larger merchants, not hobby sellers
Fixed fee on every transaction plus method fees can be complex to model
Fewer no-code tools for small businesses than Stripe or Square
Visit Adyen Compare with Stripe Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Adyen a good Stripe alternative?
Verified facts
6 of 6 verified
Setup fee
None, and no monthly fees
Checked Nov 8, 2026adyen.com(opens source in a new tab)
Pricing model
Fixed processing fee + payment-method fee
Checked Nov 8, 2026adyen.com(opens source in a new tab)
Currencies
150+
Checked Nov 8, 2026adyen.com(opens source in a new tab)
Local payment methods
200+
Checked Nov 8, 2026adyen.com(opens source in a new tab)
Banking licences
US, UK and EU
Checked Nov 8, 2026adyen.com(opens source in a new tab)
Visa and Mastercard
$0.13 + 0.80% + Interchange++
Checked Nov 8, 2026adyen.com(opens source in a new tab)
7. Authorize.net
Best for: US merchants who want a widely supported gateway or already have their own merchant account
PaidWeb
42.3
score / 100
Why switch from Stripe
Gateway-only plan lets US merchants keep their own merchant account and negotiated rates.
Pros
Gateway-only plan works with an existing merchant account
No setup fee and no early termination fee for the gateway
Recurring billing, invoicing and fraud filters included
Cons
Monthly fee on every plan, unlike pay-as-you-go processors
eCheck is limited to US-based businesses
Aimed at the US market rather than global selling
Visit Authorize.net Compare with Stripe Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Authorize.net a good Stripe alternative?
Verified facts
4 of 4 verified
Monthly fee
$25 per month
Checked Nov 8, 2026authorize.net(opens source in a new tab)
All-in-one rate
2.9% + 30¢ per transaction
Checked Nov 8, 2026authorize.net(opens source in a new tab)
Setup fee
None
Checked Nov 8, 2026authorize.net(opens source in a new tab)
eCheck rate
0.75% per transaction
Checked Nov 8, 2026authorize.net(opens source in a new tab)
8. Xendit
Best for: Businesses selling across Indonesia, the Philippines and wider Southeast Asia that need local payment methods
PaidWeb
40.0
score / 100
Why switch from Stripe
Better local coverage in Indonesia and the Philippines, including e-wallets, QRIS and virtual accounts.
Pros
Deep coverage of Southeast Asian e-wallets, QR codes and bank virtual accounts
Payouts and collections through the same API
Payment links and subscriptions work without writing code
xenPlatform supports marketplace split payments
Cons
Coverage outside Southeast Asia is limited compared with global gateways
Fees vary by country and method, so pricing takes work to compare
Main marketing site blocks automated checks; detail lives in the docs
Visit Xendit Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.1585
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Xendit a good Stripe alternative?
Verified facts
5 of 5 verified
Payment links
Yes
Checked Nov 8, 2026docs.xendit.co(opens source in a new tab)
Subscriptions
Yes
Checked Nov 8, 2026docs.xendit.co(opens source in a new tab)
Batch payouts
Via Excel upload
Checked Nov 8, 2026docs.xendit.co(opens source in a new tab)
QR payments
QRIS
Checked Nov 8, 2026docs.xendit.co(opens source in a new tab)
Payout markets
ID, PH, MY, TH, VN, SG
Checked Nov 8, 2026docs.xendit.co(opens source in a new tab)
9. Paystack
Best for: Businesses in Nigeria, Ghana, Kenya, South Africa or Egypt taking local payments online
PaidWeb
40.0
score / 100
Why switch from Stripe
Stripe's own African gateway, with local methods like bank transfer and M-PESA.
Pros
Supports local methods like bank transfer and M-PESA, not just cards
No monthly fee, only per-transaction charges
Nigerian local fees are capped per transaction
Developer-friendly APIs backed by Stripe
Cons
Only for businesses registered in its six African markets
International card payments cost noticeably more than local ones
Automatic fee pass-through from the dashboard is limited to Nigerian businesses
Visit Paystack Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.1585
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Paystack a good Stripe alternative?
Verified facts
4 of 4 verified
Nigeria local fee
1.5% + NGN 100, capped at NGN 2,000
Checked Nov 8, 2026support.paystack.com(opens source in a new tab)
Ghana fee
1.95% (cards, mobile money, bank transfer)
Checked Nov 8, 2026support.paystack.com(opens source in a new tab)
Kenya M-PESA fee
1.5%
Checked Nov 8, 2026support.paystack.com(opens source in a new tab)
South Africa local fee
2.9% + R1.00 (VAT excl.)
Checked Nov 8, 2026support.paystack.com(opens source in a new tab)
10. Flutterwave
Best for: Businesses selling to customers across Africa who need mobile money, USSD and bank transfer payments
PaidWeb, iOS, Android
37.8
score / 100
Why switch from Stripe
Better coverage of African payment methods such as mobile money, USSD and bank transfer.
Pros
Accepts mobile money, USSD and bank transfers as well as cards
One account covers many African countries and 30+ currencies
Plugins for Shopify, WooCommerce and other store builders
No monthly fee; you pay per transaction
Cons
International card payments cost noticeably more than local ones
Fees, limits and available methods differ by country
Less useful for businesses with no African customers
Visit Flutterwave Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.1570
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Flutterwave a good Stripe alternative?
Verified facts
5 of 5 verified
Local fee (Nigeria)
2% per transaction
Checked Nov 8, 2026flutterwave.com(opens source in a new tab)
International fee (Nigeria)
4.8% per transaction
Checked Nov 8, 2026flutterwave.com(opens source in a new tab)
Currencies
30+
Checked Nov 8, 2026flutterwave.com(opens source in a new tab)
Integrations
Shopify, WordPress, WooCommerce, Joomla, PrestaShop
Checked Nov 8, 2026flutterwave.com(opens source in a new tab)
Compliance
PCI DSS
Checked Nov 8, 2026flutterwave.com(opens source in a new tab)

The best Stripe alternative for…

The highest-ranked app in this list for each need.

Best Stripe alternative for most people

Razorpay

Better choice for India-based businesses that need UPI and netbanking.

Best Stripe alternative for a free option

Lemon Squeezy

Merchant-of-record checkout aimed at indie software and digital product sellers.

Best Stripe alternative for a free plan you can upgrade

PayPal

Buyers already know and trust the PayPal button, and it works in many markets without building a custom checkout.

Best Stripe alternative for iPhone and Android

Adyen

Interchange++ pricing and unified in-store and online payments for large merchants.

Best Stripe alternative for working in the browser

Cashfree Payments

Indian gateway with UPI, payouts and a lower standard domestic rate.

Stripe alternatives: common questions

What is the best alternative to Stripe?

Razorpay ranks first right now. Better choice for India-based businesses that need UPI and netbanking. Cashfree Payments and Paddle follow it in our ranking.

Stripe vs Razorpay: what's the difference?

Both Stripe and Razorpay are paid products. Verified prices: Stripe $10 per month, Razorpay Custom pricing above ₹5,00,000 monthly revenue. Both run on Web, iOS and Android.

Is Stripe free?

Stripe is a paid product. Pricing: Pay as you go, no setup or monthly fees; Custom domain price: $10 per month; Card pricing: 2.9% + a fixed fee per successful domestic card charge. Checked on Stripe's own site, November 2026.

How much do Stripe alternatives cost?

Verified prices for the top-ranked Stripe alternatives: Razorpay, Custom pricing above ₹5,00,000 monthly revenue; Cashfree Payments, ₹20 per IMPS/NEFT/RTGS payment. Each price was checked on the app's own site; see each card below for the date and source.

Is there a free alternative to Stripe?

Yes. Lemon Squeezy (free) and PayPal (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Stripe?

None of the 10 alternatives in this list is open source.

Why do people switch from Stripe?

The complaints we hear most: not available to businesses in every country; add-on products like Billing and Tax carry their own fees; rates vary by country and payment method, so costs need checking per market.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Stripe, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.

Top picks

Quick comparison

1. RazorpayTop pick

Pros

Cons

Verified facts

2. Cashfree Payments

Pros

Cons

Verified facts

3. Paddle

Pros

Cons

Verified facts

4. Lemon Squeezy

Pros

Cons

Verified facts

5. PayPal

Pros

Cons

Verified facts

6. Adyen

Pros

Cons

Verified facts

7. Authorize.net

Pros

Cons

Verified facts

8. Xendit

Pros

Cons

Verified facts

9. Paystack

Pros

Cons

Verified facts

10. Flutterwave

Pros

Cons

Verified facts

The best Stripe alternative for…

Best Stripe alternative for most people

Best Stripe alternative for a free option

Best Stripe alternative for a free plan you can upgrade

Best Stripe alternative for iPhone and Android

Best Stripe alternative for working in the browser

Stripe alternatives: common questions

What is the best alternative to Stripe?

Stripe vs Razorpay: what's the difference?

Is Stripe free?

How much do Stripe alternatives cost?

Is there a free alternative to Stripe?

Is there an open-source alternative to Stripe?

Why do people switch from Stripe?

How is this list ranked?