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What's the alternative to Stripe for collecting your payments?
Temps de lecture : 6 minutes
Sommaire
With 150 million euros of sales, France is Europe's second-largest e-commerce market, behind the UK.
So it's only natural that payment solutions like Stripe should grow and multiply. Launched in 2010, the payment gateway enables businesses to carry out digital transactions in complete security.
Here is our selection of the 8 best alternatives to Stripe .
Hero Checkout
Founded in 2020 Hero is a B2B payment solution for for very small businesses. It allows you to accept and process payments. It's a 2-in-1 solution that combines payment management and banking products.
Here are its main features:
Electronic factoring . The platform settles your supplier invoices and then allows you to reimburse them while benefiting from easy payment terms.
Payment facilities . Hero offers payment options such as 3 or 4 instalments and deferred payment (after 60 or 90 months).
E-invoicing . Hero allows you to create and issue dematerialized invoices.
HeroPay gives you a free bank card.
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Hero stands out for its competitive and flexible rates, tailored to the needs of every type of business. The platform applies an on-demand rate.
| Benefits | Disadvantages |
|---|---|
| Easy payment + Easy-to-use interface + Ideal for small businesses + Integration with popular e-commerce platforms such as Prestashop, Woocommerce or Magento | Features designed exclusively for small businesses |
Paypal
Launched in 1998, Paypal is without doubt the world's most popular payment processor. It is not without its faults, however, as more and more users are complaining about its security flaws in particular.
Available in 202 countries and regions around the world, the American giant also has more than 431 million users .
Here are PayPal's main features:
Easy-to-use interface
Integration with leading e-commerce platforms (Shopify, WooCommerce, BigCommerce, Wix, etc.)
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Here are the PayPal pricing details:
0 subscription fee
2.9% per transaction + 0.35 euro fixed charge
| Benefits | Disadvantages |
|---|---|
| Payment by credit card or bank transfer + 56 currencies accepted + Wide geographic coverage | Unresponsive customer service + Low exchange rates Unfavourable exchange rates and high commissions + Frequent account freezes without prior notice Frequent account freezes without prior notice + Geographical restrictions Geographical restrictions + Complex dispute resolution process |
Square
Founded by Jack Dorsey and Jim McKelvey in 2009 Square is also a well-known financial platform.
It offers a wide range of functions such as :
Square Invoices for personalized electronic invoicing
Square Appointments for recording and managing customer appointments
Square Online to create online stores with tools for order and stock management, sales tracking and performance analysis
Square Capital which offers loans to small businesses.
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Here are Square's pricing details:
2.65% per transaction for credit card payments
2.9% + 0.30 euro per sale on Square Online or Square Appointments and per Square invoice paid
3.4% + 0.15 euro per manual transaction
0.75% + 0.07 euro per transaction for debit cards
| Benefits | Disadvantages |
|---|---|
| Easy-to-install, easy-to-learn application + Features tailored to small businesses Features tailored to small businesses + Competitive pricing Competitive rates | Customer support shortcomings |
Shopify Payment
Integrated with the popular e-commerce platform of the same name, Shopify Payments enables users to accept payments without using a third-party payment solution.
This makes it an excellent alternative to Stripe if you have a Shopify store, especially as it applies additional fees for transactions via third-party apps.
Here are its main features:
Various payment methods accepted : Visa, Mastercard, American Express, Apple Pay, Shop Pay et Google Pay
Payment tracking tool
Fraud detection tools
Shop Pay which allows customers to streamline their payment process
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Shopify Payments applies a sliding scale of charges as you upgrade your subscription.
For European cards :
1.8% + 0.25 euro per transaction for a Basic subscription
1.6% + 0.25 euro per transaction for a Shopify subscription
1.4% +0.25 euro per transaction for Advanced subscription
1.3% + 0.25 euro for a Shopify Plus subscription
For international cards and American Express :
3% + 0.25 euro per transaction for a Basic subscription
2.9% + 0.25 euro per transaction for a Shopify subscription
2.7% + 0.25 euro per transaction for Advanced subscription
2.6% 0.25 euro per transaction on Shopify Plus subscription
| Benefits | Disadvantages |
|---|---|
| No additional transaction fees + Multi-currency payment Multi-currency payment + Multi-lingual support Multilingual support + Out-of-the-box payment gateway already integrated with Shopify, making it easy for online merchants to use the platform. + Low transaction fees, whereas if you use a third-party payment gateway, the platform charges a commission. | Limited geographic coverage + Credit fees per transaction Credit fee per transaction + Gateway exclusively for Shopify users |
Hipay
Here are the main Hipay features:
Over 150 currencies supported
Advanced fraud prevention and risk management tools
Detailed analysis and reporting tools
Recurring payment automation, ideal for automating subscriptions
API for integrating other tools
Rates
Hipay charges different rates depending on the payment method used and on demand.
| Benefits | Disadvantages |
|---|---|
| Over 200 payment methods accepted: credit cards, digital wallets, SEPA transfers, etc. + Multi-currency management Multi-currency management Omnichannel payment management tools for tracking and managing payments to online and physical stores + International technical support International technical support | Unsuitable for SMEs + Complex integration Complexity of integration Solution available mainly in Europe + Risk management rules sometimes too strict Risk management rules sometimes too strict |
Skrill
Launched in 2001, Skrill is a payment solution renowned for its reliability and professionalism. It's also a popular payment solution, especially for in the betting and gaming sector.
Here are its main features:
Digital wallet to store funds, make secure online payments and money transfers
Integration with e-commerce platforms
Trading features : the platform allows you to buy, sell and trade cryptocurrencies.
MasterCard prepaid card
Identity verification system (KYC) to secure accounts
Rates
Here are the Skrill rates:
2 % commission per transaction for domestic transfers
2,99 % for international credit card transfers
No cash receipt fees
| Benefits | Disadvantages |
|---|---|
| Preferred means of payment in the gaming and trading sectors + Competitive rates for international transfers Competitive rates for international transfers + Over More than 40 currencies supported + Effective account protection Efficient account protection system | An inactivity fee of 5 euros per month. The platform applies fees when an account is not used for 6 months. + Unresponsive customer service + High fees for currency conversions |
Adyen
Adyen is a payment processor created by a group of Dutch developers .
Adyen is a payment solution for companies of all sizes. particularly appreciated by large companies . In fact, the solution boasts special capabilities in terms of handling high transaction volumes .
Here's an overview of its main features:
Multi-channel payments the platform can handle in-store, mobile and online payments
Automate recurring payments
Over 150 currencies supported
Real-time monitoring, analysis and reporting tool
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Adyen applies a "pay-as-you-go" pricing model. In other words, there is no no monthly fees. You only pay per successful transaction, with rates varying according to the payment method used.
The platform charges a flat fee of 0.11 euros, plus a commission ranging from 0.60% to 4.50% depending on the payment method.
| Benefits | Disadvantages |
|---|---|
| Multiple payment methods supported (credit cards, digital wallets, SEPA transfers +) Available in 33 countries and the United States, United Arab Emirates, Canada, Brazil, Mexico or Puerto Rico + 36 currencies supported + Advanced fraud management tools Advanced fraud management tools + Easy integration Easy integration thanks to a robust API + Suitable for large corporations Suitable for large corporations + End-to-end encryption End-to-end encryption for enhanced payment message security | High costs for small businesses + Complex integration processes Complex integration processes Solution not suitable for small businesses |
Mollie
Based in the Netherlands and founded in 2004 by Adriaan Mol Mollie is a payment platform with the following features are mainly aimed at small and medium-sized businesses . Its simplicity and flexibility make it an attractive alternative to Stripe.
Here are its main features:
Automate recurring payments
Several payment methods supported (credit card, direct debit or bank transfer, e-wallet and local payment methods such as Bancontact, iDEAL, Giropay or Sofort)
Second chance feature for failed payments
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Mollie operates on a transaction-based pricing system and does not offer subscriptions:
1.2% 0.25 euro per successful transaction for payment by French bank card
1.8% + 0.25 euro per transaction for European credit card payments
2.8% + 0.25 euro per transaction for international credit card payments
| Benefits | Disadvantages |
|---|---|
| Integration with e-commerce platforms (Shopify, WooCommerce, Prestashop, etc.) + Ease of use and user-friendly interface ++. More than 25 currencies supported + No subscription or commitment fees + No additional costs + No additional fees + No additional costs + No additional costs + No additional costs + No additional costs + No additional costs + No additional costs API for integrating other tools + Easy integration with out-of-the-box plugins + Easy-to-use plug-ins French-language customer service available by phone, email or chat | Only available in Europe +. Fewer features than competitors |
Summary of prices for each alternative
| Solution | Recipes |
|---|---|
| Hero | Competitive rates on request |
| Paypal | 0 subscription fee AND 2.9% per transaction + 0.35 euro fixed fee |
| Square | 2.65% per transaction for credit card payments AND 2.9% + 0.30 euro per Square Online and Square Appointments sale and per Square invoice paid AND 3.4% + 0.15 euro per manual transaction 0.75% + 0.07 euro per transaction for debit cards. |
| Shopify Payment | For European cards : 1.8% + 0.25 euro per transaction for a Basic subscription OR 1.6% + €0.25 per transaction for a Shopify subscription OR 1.4% +0.25 euro per transaction for an Advance subscription 1.3% +0.25 euro for a Shopify Plus subscription. For international cards and American Express : 3% + 0.25 euro per transaction for a Basic subscription OR 2.9% + 0.25 euro per transaction for a Shopify subscription OR 2.7% + €0.25 per transaction for an Advanced subscription OR 2.6% 0.25 euro per transaction on Shopify Plus subscription |
| Hipay | Price on demand |
| Skrill | 2% commission per transaction for domestic transfers AND 2.99% for international credit card transfers AND No receiving fees |
| Adyen | 0.11 euro + commission depending on payment method used |
| Mollie | 1.2% 0.25 euro per successful transaction for payments by French bank card AND 1.8% + 0.25 euro per transaction for European bankcard payments AND 2.8% + 0.25 euro per transaction for international credit card payments |
Frequently asked questions about Stripe alteratives
Here are the answers to your questions about Stripe alternatives:
Who is Stripe's number 1 competitor?
With an 11% market share, Adyen is one of Stripe's direct competitors.
The platform is available in 39 countries, versus 47 for Stripe. While Stripe is better suited to startups, Adyen targets large companies . On the other hand, Adyen's pricing system can be expensive compared to Stripe.
Its main competitors also include Hero and Paypal.
What are the alternatives to Stripe for international payments?
Wise and Payoneer are excellent alternatives to Stripe for international payments.
Launched in 2011, Wise is a payment processor specializing in international transfers and currency conversion.
With over 40 currencies supported and extensive geographic coverage in 160 countries, it is a benchmark in international transactions.
Payoneer is also an interesting alternative. Although it charges higher fees, the American platform also offers additional features such as a physical debit card, as well as sector-specific services.
What's the French alternative to Stripe?
Its innovative features Hero Checkout as an excellent alternative to Stripe :
A financing solution for very small businesses q can have their customer invoices paid in advance
Easy payment to manage their cash flow
Financial services with Heropay
In short, the alternatives to Stripe on the market. It's up to you to choose according to your needs and budget, taking into account the advantages and disadvantages of each solution. Hero has established itself as the alternative of choice for very small businesses thanks to its innovative financing offer.
