Best Stripe Alternatives for Online Businesses

Best options at a glance

1. #1

   Adyen

   Choose Adyen for global online and in-person payments, local payment methods, and marketplace payouts. It is designed for businesses operating at enterprise or high-volume scale.

2. #2

   Checkout.com

   Choose Checkout.com for established businesses handling international payments, transaction analytics, and fraud prevention. Its pricing is customized based on business profile and risk category.

3. #3

   Dodo Payments

   Choose Dodo Payments for SaaS, AI products, and digital businesses needing Merchant of Record services. It supports subscription billing, usage-based billing, and global tax compliance.

4. #4

   Paddle

   Choose Paddle for international software sales with Merchant of Record services. It combines subscription billing, tax compliance, invoicing, fraud protection, and payment recovery.

5. #5

   Creem

   Choose Creem for software businesses needing Merchant of Record services, subscription management, usage-based billing, and revenue splitting. It supports credit packs and seat-based pricing.

6. #6

   Polar

   Choose Polar for open-source billing infrastructure and Merchant of Record services. It supports subscriptions, usage-based billing, credits, and multiple pricing models.

Compare the best options

Compare the best options

Feature	Adyen	Checkout.com	Dodo Payments	Paddle	Creem	Polar
Business Fit	Enterprise and high-volume businesses	Established businesses and enterprise merchants	SaaS, AI, and digital product businesses	Software, SaaS, AI, and digital businesses	Software, SaaS, AI, and digital businesses	Developers, startups, and digital product businesses
Starting Pricing	Starts from $0.13 per transaction + payment method fee	Custom Quote	Starts from 4% + $0.40 per transaction	Starts from 5% + $0.50 per transaction	Starts from 3.9% + $0.40 per transaction	Starts from 5% + $0.50 per transaction
Billing Features	Recurring payments	Subscription billing	Subscriptions and usage-based billing	Subscriptions and recurring billing	Subscriptions and usage-based billing	Subscriptions and usage-based billing
Tax Compliance	Not listed	Not listed	Global tax calculation, filing, and reporting	Global sales tax and VAT compliance	VAT, GST, and sales tax collection and remittance	Global tax compliance
Payment Coverage	Online, in-person, and mobile payments	150+ currencies and local payment methods	80+ currencies and 30+ payment methods	Global payment processing	Global payments	Global payment processing
Open Source	No	No	Not listed	Not listed	Not listed	Yes

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Best apps for different needs

Adyen

Payment ProviderPayment Processing

Pay as you goStarts from $0.13 per transaction + payment method fee

Financial technology platform for end-to-end payments.

What is Adyen?

Adyen is a global payment platform for businesses that need to accept online, in-person, and mobile payments. It combines payment processing, local payment methods, risk management, payouts, and other financial products through a single platform.

When should you choose Adyen?

• Choose Adyen when your business needs online and in-person payments through one platform.
• It supports local payment methods and marketplace payouts.
• Its APIs cover payments, terminals, and payouts.
• Adyen is better suited to enterprise or high-volume businesses than low-volume operations.

View Adyen

Checkout.com

Payment ProviderPayment Processing

Starts from Custom Quote

Global payment processor for businesses

What is Checkout.com?

Checkout.com is a global payment processing platform combining payment gateway, acquiring and fraud prevention services. It helps enterprise businesses accept payments, optimize transactions and expand into international markets.

When should you choose Checkout.com?

• Choose Checkout.com when you operate an established business across international markets.
• It supports processing in 150+ currencies and direct acquiring across major markets.
• Its tools include transaction analytics, fraud prevention, and automated payouts for marketplaces.
• Pricing is customized, so standard rates are not publicly listed.
• Its recommended for enterprise businesses rather than small indie businesses.

View Checkout.com

Dodo Payments

Payment ProviderMerchant of Record

Pay as you goStarts from 4% + $0.40 per transaction

Payments and billing platform for SaaS, AI, and digital products.

What is Dodo Payments?

Dodo Payments is a Merchant of Record and payments platform for SaaS, AI, and digital product businesses. It handles global payments, subscriptions, usage-based billing, tax compliance, fraud protection, invoicing, and digital product distribution.

When should you choose Dodo Payments?

• Choose Dodo Payments when you sell SaaS, AI products, or digital products globally.
• Its Merchant of Record service handles tax and compliance responsibilities for eligible digital products.
• You have built a SaaS and want recurring subscriptions, one-time payments or metered billing.
• It is also suitable for Indian and Asian indie hackers integrating payments into applications.

View Dodo Payments

Paddle

Payment ProviderMerchant of Record

Pay as you goStarts from 5% + $0.50 per transaction

Payments, billing, and tax compliance for software businesses.

What is Paddle?

Paddle is a Merchant of Record platform for SaaS, software, AI, and digital product businesses. It combines payments, subscription billing, tax compliance, fraud protection, invoicing, customer support, and revenue recovery in one platform.

When should you choose Paddle?

• Choose Paddle when you sell software, SaaS, AI products, or digital products internationally.
• Its Merchant of Record service handles sales tax and VAT compliance.
• It supports subscription billing, trials, upgrades, and payment recovery.
• Its standard transaction pricing starts from 5% + $0.50.

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Creem

Payment ProviderMerchant of Record

Pay as you goStarts from 3.9% + $0.40 per transaction

The complete payment platform for software companies.

What is Creem?

Creem is a Merchant of Record and payments platform for software companies, SaaS businesses, AI products, and digital products. It handles payments, taxes, compliance, subscriptions, revenue splits, fraud protection, invoicing, and payouts.

When should you choose Creem?

• Choose Creem when you run a software business or sell digital products.
• It acts as a Merchant of Record and handles applicable tax responsibilities and has the lowest transaction fees.
• Its billing supports subscriptions, usage-based pricing, credit packs, and seat-based plans.
• Revenue splitting is available for co-founders, affiliates, partners, and contractors.

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Polar

Payment ProviderMerchant of Record

FreemiumStarts from 5% + $0.50 per transaction

The billing stack for the intelligence era.

What is Polar?

Polar is an open-source billing and Merchant of Record platform for developers, startups, and digital product businesses. It handles payments, subscriptions, usage-based billing, tax compliance, customer management, checkout, and automated product access.

When should you choose Polar?

• Choose Polar when you want open-source billing infrastructure for digital products and agentic billing.
• It provides Merchant of Record services for international tax compliance.
• You can offer subscriptions, usage-based pricing, credits, seats, or one-time purchases.
• Its public codebase is licensed under Apache 2.0.

View Polar

Which one should you use?

• Choose Adyen if you operate at enterprise or high-volume scale. It combines online, in-person, and marketplace payments.
• Choose Checkout.com if you need international acquiring and transaction analytics. It supports 150+ currencies and fraud prevention.
• Choose Dodo Payments if you need MoR services for SaaS or AI products. It combines billing, tax compliance, and global payments.
• Choose Paddle if you want subscription payment recovery alongside tax compliance. It provides automated recovery and churn prevention.
• Choose Creem if you need revenue splitting or credit packs. It supports revenue splits and usage-based billing.
• Choose Polar if you prefer open-source billing infrastructure. Its public codebase uses the Apache 2.0 license.

Frequently asked questions