# Stripe Software 2026: Features, Integrations, Pros & Cons | Capterra > Capterra's in-depth exploration of Stripe Software's capabilities reveals its suitability for various software needs and provides a comprehensive overview of Stripe Software pricing, features, integrations, and potential alternatives. Source: https://www.capterra.com/compare/123889-214935/Stripe-vs-IXOPAY --- # Stripe Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 12, 2025 Written byDavid Jani David Jani David Jani is a senior content analyst at Capterra. With a background in tech journalism, public relations, professional training, and marketing, he uses his extensive experience to investigate small business technology trends, with a focus on... [See bio & all articles](https://www.capterra.com/resources/author/david-jani/) Edited byCaroline Rousseau Caroline Rousseau Content Editor After three years of building surveys, analyzing data, and writing her own research, Caroline has been a senior content editor since 2022. Her previous experience as an analyst converged into a skill set that allows her to help her peers devel... [See bio & all articles](https://www.capterra.com/resources/author/caroline-rousseau/) Content Editor Written by [David Jani](https://www.capterra.com/resources/author/david-jani/) David Jani is a senior content analyst at Capterra. With a background in tech journalism, public relations, professional training, and marketing, he uses his extensive experience to investigate small business technology trends, with a focus on marketing and cybersecurity, to provide timely, actionable insights for small and midsize businesses. Edited by [Caroline Rousseau](https://www.capterra.com/resources/author/caroline-rousseau/) Content Editor After three years of building surveys, analyzing data, and writing her own research, Caroline has been a senior content editor since 2022. Her previous experience as an analyst converged into a skill set that allows her to help her peers develop and produce compelling content about today’s business matters. [Key takeaways](#key-takeaways)[Our verdict](#our-verdict)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Interface](#interface)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Stripe Stripe Overview: ### Key takeaways Insights from verified Capterra reviews Stripe helps businesses manage online and recurring payments with flexible APIs and global method support. It’s most used by small firms and lean teams handling frequent transactions. Reviewers value its integration depth and real-time processing, though fees and dispute handling draw criticism. Advanced fraud controls and new orchestration tools expand its appeal for scaling operations. ### Our verdict Stripe offers strong flexibility for businesses that prioritize online and recurring payments, but buyers should weigh trade-offs. Its API-driven depth and advanced fraud tools support scale, yet setup complexity and transaction-based pricing can challenge smaller budgets. Those needing predictable costs or extensive in-person payment options are considerable limits, when assessed against Stripe’s automation and global reach. Overall rating Based on 3,304 user reviews Reviews sentiment Positive 93% Neutral 3% Negative 4% Pros & cons Extensive platform integration options Developer-friendly API resources Inconsistent fraud prevention process Challenging chargeback management Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Stripe alternatives While Stripe offers strong online payment capabilities, teams prioritizing lower transaction fees, simpler in-person payment tools, or broader regional coverage may find it less aligned with their goals. Explore other solutions that better fit your budget, integration needs, and preferred interface style. Highest Rated [4.7 (678)](https://www.capterra.com/p/162588/HoneyBook/reviews/) Starting price $36.00 Per User, Per Month [4.0 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month [4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing [3.8 (711)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Starting price $349.00 Per User, Per Month [View all alternatives](https://www.capterra.com/p/123889/Stripe/alternatives/) ## Who uses Stripe? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Extensive platform integration options 91% positive reviews out of 787 Most users report integrations enable seamless setup with e-commerce, accounting, and website platforms, boosting sales. Nedim M Digital Marketing Manager, 2 - 10 employees. "Easy to integrate and works nicely with websites, making it accessible for businesses of all sizes." Inconsistent fraud prevention process 70% negative reviews out of 189 Most reviewers describe fraud prevention as unreliable, with frequent account holds, unclear policies, and poor merchant support. Frank I Owner, 2 - 10 employees. "We were dealing with fraudulent credit card disputes for almost $50K in charges and they did not help at all." Developer-friendly API resources 90% positive reviews out of 221 Most users comment API and documentation offer clear guides, easy customization, and broad language support for integration. Jason M Graphic Designer, 1 employee. "It offers a rich set of features, powerful APIs, and excellent documentation, making it a strong option for businesses of all sizes" Challenging chargeback management 60% negative reviews out of 115 Most users comment chargebacks result in high fees, difficult dispute resolution, and financial risk for merchants. Viola N Billing, 2 - 10 employees. "This charges us twice when the customer is only charged once causing a loss on our end." Robust payment security measures 91% positive reviews out of 174 Most reviewers indicate security and access control provide strong data protection, encryption, and customer transaction safety. Rosalina M Executive Assistant/Freelancer, 2 - 10 employees. "Security: Stripe offers an elevated degree of safety, including PCI consistence and encryption of delicate information." Restricted international accessibility 71% negative reviews out of 65 Most users report country availability limits Stripe’s use, causing issues for businesses in unsupported regions. ## Stripe's interface The dashboard offers visibility into balances and recent transactions, which users find helpful for daily monitoring. However, reviews indicate that deeper tasks like customizing reports or locating historical data can feel cumbersome, with navigation requiring extra effort. David Jani Expect efficiency for routine payment tracking, but anticipate extra effort when managing disputes or setting up granular reporting. You’ll find that while the interface is clean, its layered menus can make advanced workflows less straightforward, so allocating time for training or documentation pays off. Ease of Use 4.5 (3,293) 4.5 Based on 3,293 reviews ## Key features View by: These features have been rated as most important by users based on their reviews. View by: Get Advice We can help you find the software with the features you need. David Jani Stripe’s top-rated capabilities streamline the path from checkout to cash, improving control over reconciliation and reducing context switching. Multi-method acceptance and searchable histories help keep collections predictable and audits on schedule. Features 4.5 (3,284) 4.5 Based on 3,284 reviews The Stripe features below were rated the highest by reviewers. Our commentary reflects aggregated sentiment and consistent benefits described in user feedback, based on collective insights from reviews. Transaction history 4.5 (54) 54 reviewers rated this feature Stripe can centralize past transactions with clear line‑item detail, filters, and exports, enabling faster audits, subscription reconciliation, and trend checks without switching views; the organized layout supports quick drill‑downs during finance reviews and month‑end close. Online payments 4.5 (745) 745 reviewers rated this feature It facilitates secure web and mobile checkouts across major cards and methods, with quick authorization and real‑time confirmations that shorten collection cycles, support recurring billing, simplify refunds, and reduce manual follow‑up for both subscriptions and one‑off purchases. Debit/credit card processing 4.4 (661) 661 reviewers rated this feature Stripe can securely process debit and credit payments, including Apple Pay and Google Pay, as well as card carriers Visa, MasterCard, Maestro, and American Express. It also integrates with websites or CRMs to automate recurring charges and receipts, helping teams standardize collection across markets and channels. Payment processing 4.4 (710) 710 reviewers rated this feature Users can coordinate card and alternative tenders across currencies with real‑time handling, recurring billing, and transaction tracking. This gives operators consistent settlement visibility while keeping integration steps practical for web apps and SaaS billing. Electronic payments 4.3 (318) 318 reviewers rated this feature Stripe users can administer ACH, partial payments, and multiple methods for collecting fees, subscriptions, and donations, with easy-to-implement, fast processing, and security controls that help simplify online revenue capture and automate follow‑up tasks in connected systems. Sigma SQL analytics 0 reviewers rated this feature Enables teams to query Stripe data using SQL or natural language, build custom reports, and schedule automated delivery, helping finance and operations teams monitor revenue trends and reconcile transactions without exporting data manually. Identity verification 0 reviewers rated this feature Provides document and selfie checks to confirm user identities globally, reducing fraud risk and supporting compliance workflows for onboarding or high-value transactions, all through API-driven processes that integrate into existing systems. Data pipeline 0 reviewers rated this feature Streams complete Stripe data to warehouses like Snowflake or Redshift and cloud storage, allowing centralized analytics, faster financial close, and deeper performance insights without manual extraction or third-party connectors. Radar rules engine 0 reviewers rated this feature Lets businesses create and test custom fraud rules using hundreds of attributes, backtest them before deployment, and monitor performance, giving teams granular control over risk management strategies. AI rule assistant 0 reviewers rated this feature Converts natural language instructions into executable fraud rules, accelerating configuration and reducing dependency on technical resources while maintaining precision in fraud prevention logic. Stripe Orchestration 0 reviewers rated this feature Centralizes multiple payment processors under one dashboard, giving businesses redundancy and control over routing logic to improve uptime and optimize transaction costs. (Released 2025) Managed Payments 0 reviewers rated this feature Acts as merchant of record, handling tax compliance, fraud, disputes, and customer support, reducing operational overhead for businesses scaling globally. (Released 2025) AI-powered checkout personalization 0 reviewers rated this feature Uses 100+ real-time signals to dynamically adjust payment methods and fields, improving conversion rates and reducing friction during checkout. (Released 2025) Stripe Scripts and Workflows 0 reviewers rated this feature Enables conditional logic and multistep flows across Stripe products, automating billing adjustments and operational tasks without custom code. (Released 2025) All key features (54) Integrate with a third-party accounting system 75.00% of 20 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) 44.25% of 174 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities 46.43% of 28 reviewers that rated this feature as important or highly important Converts natural language instructions into executable fraud rules, accelerating configuration and reducing dependency on technical resources while maintaining precision in fraud prevention logic. 0 reviewers rated this feature Uses 100+ real-time signals to dynamically adjust payment methods and fields, improving conversion rates and reducing friction during checkout. (Released 2025) 0 reviewers rated this feature Application programming interface that allows for integration with other systems/databases 84.62% of 26 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers 56.65% of 376 reviewers that rated this feature as important or highly important Track and manage adherence to policies for any service, product, process, or supplier 57.89% of 19 reviewers that rated this feature as important or highly important Financial system that helps create and manage physical/digital credit cards and track transaction activities 0% of 0 reviewers... Accept and process credit card transactions 63.16% of 133 reviewers that rated this feature as important or highly important Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system 66.67% of 3 reviewers that rated this feature as important or highly important Accept and process cryptocurrency transactions such as Bitcoin 20.00% of 70 reviewers that rated this feature as important or highly important Assembly of graphs and charts for visualizing and tracking statistics/metrics 0% of 0 reviewers... Streams complete Stripe data to warehouses like Snowflake or Redshift and cloud storage, allowing centralized analytics, faster financial close, and deeper performance insights without manual extraction or third-party connectors. 0 reviewers rated this feature Stripe’s data security helps you protect sensitive payment information with strong encryption and compliance standards. Some reviewers find peace of mind in capabilities like two-factor authentication, PCI certification, and secure data storage, noting no significant security issues or breaches. 61.60% of 638 reviewers that rated this feature as important or highly important Stripe offers seamless debit and credit card processing, supporting major cards and digital wallets. Users think it’s easy to set up, reliable, and secure, with fast transactions and broad compatibility, though some mention variable payout times and higher fees for certain users. 62.57% of 724 reviewers that rated this feature as important or highly important Stripe can securely process debit and credit payments, including Apple Pay and Google Pay, as well as card carriers Visa, MasterCard, Maestro, and American Express. It also integrates with websites or CRMs to automate recurring charges and receipts, helping teams standardize collection across markets and channels. 661 reviewers rated this feature Electronically collect payments for goods or services 55.25% of 324 reviewers that rated this feature as important or highly important Stripe users can administer ACH, partial payments, and multiple methods for collecting fees, subscriptions, and donations, with easy-to-implement, fast processing, and security controls that help simplify online revenue capture and automate follow‑up tasks in connected systems. 318 reviewers rated this feature Generate reports to assess the financial performance of an organization 0% of 0 reviewers... Identify and prevent suspicious activity 50.00% of 18 reviewers that rated this feature as important or highly important Provides document and selfie checks to confirm user identities globally, reducing fraud risk and supporting compliance workflows for onboarding or high-value transactions, all through API-driven processes that integrate into existing systems. 0 reviewers rated this feature Transactions that typically involve face-to-face interactions between the payer and the payee 28.57% of 21 reviewers that rated this feature as important or highly important Captures invoice data and maintains comprehensive records for auditing and reporting purposes 83.33% of 6 reviewers that rated this feature as important or highly important Acts as merchant of record, handling tax compliance, fraud, disputes, and customer support, reducing operational overhead for businesses scaling globally. (Released 2025) 0 reviewers rated this feature Access software remotely via mobile devices 55.56% of 72 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices 52.70% of 463 reviewers that rated this feature as important or highly important Manage and handle various international currencies 47.42% of 213 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application 66.67% of 12 reviewers that rated this feature as important or highly important With this capability, you can accept payments quickly and securely from anywhere, offering customers various payment options. Reviewers appreciate the smooth transactions, easy integration with websites and platforms, and the flexibility for global payments, though some mention higher fees for smaller merchants. 61.57% of 804 reviewers that rated this feature as important or highly important It facilitates secure web and mobile checkouts across major cards and methods, with quick authorization and real‑time confirmations that shorten collection cycles, support recurring billing, simplify refunds, and reduce manual follow‑up for both subscriptions and one‑off purchases. 745 reviewers rated this feature Allow customers to make a partial payment on an invoice and track remaining debt 47.06% of 17 reviewers that rated this feature as important or highly important You benefit from robust fraud prevention tools, including real-time alerts, customizable rules, and machine learning. Reviewers appreciate the automatic detection and blocking of suspicious activity, though some say legitimate transactions can be flagged and extra anti-fraud measures may incur additional costs. 59.80% of 587 reviewers that rated this feature as important or highly important Send clickable links via text or email to collect payments from customers 94.38% of 89 reviewers that rated this feature as important or highly important It gives you efficient tools to process payments online, including support for multiple currencies and payment types. Reviewers indicate the system is easy to integrate, dependable, and fast, with transparent fees and real-time notifications, making it valuable for businesses of all sizes. 57.32% of 710 reviewers that rated this feature as important or highly important Users can coordinate card and alternative tenders across currencies with real‑time handling, recurring billing, and transaction tracking. This gives operators consistent settlement visibility while keeping integration steps practical for web apps and SaaS billing. 710 reviewers rated this feature Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) 66.09% of 174 reviewers that rated this feature as important or highly important Accept and process customer payments for products or services using hardware and software 62.30% of 61 reviewers that rated this feature as important or highly important Lets businesses create and test custom fraud rules using hundreds of attributes, backtest them before deployment, and monitor performance, giving teams granular control over risk management strategies. 0 reviewers rated this feature Upload, track, and submit receipts in a central database 50.00% of 8 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service 47.52% of 141 reviewers that rated this feature as important or highly important Timed notification for any upcoming task, deadline, appointment, or activity 0.00% of 1 reviewers that rated this feature as important or highly important Collection, analysis, and representation of numerical data and generation of reports to understand various patterns 33.33% of 6 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data 54.35% of 184 reviewers that rated this feature as important or highly important Reports specific to sales analysis for trends and strategies 78.26% of 23 reviewers that rated this feature as important or highly important Online portal through which end users can access the system, manage tasks, or obtain information 91.67% of 12 reviewers that rated this feature as important or highly important Enables teams to query Stripe data using SQL or natural language, build custom reports, and schedule automated delivery, helping finance and operations teams monitor revenue trends and reconcile transactions without exporting data manually. 0 reviewers rated this feature Centralizes multiple payment processors under one dashboard, giving businesses redundancy and control over routing logic to improve uptime and optimize transaction costs. (Released 2025) 0 reviewers rated this feature Enables conditional logic and multistep flows across Stripe products, automating billing adjustments and operational tasks without custom code. (Released 2025) 0 reviewers rated this feature Set up connections to third-party platforms to improve business processes 47.37% of 19 reviewers that rated this feature as important or highly important Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period 55.00% of 60 reviewers that rated this feature as important or highly important Stripe can centralize past transactions with clear line‑item detail, filters, and exports, enabling faster audits, subscription reconciliation, and trend checks without switching views; the organized layout supports quick drill‑downs during finance reviews and month‑end close. 54 reviewers rated this feature Manage, record and track all business exchanges in form of money and its related interactions in the system 58.82% of 34 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities 64.65% of 99 reviewers that rated this feature as important or highly important Get Advice We can help you find the software with the features you need. David Jani Stripe’s top-rated capabilities streamline the path from checkout to cash, improving control over reconciliation and reducing context switching. Multi-method acceptance and searchable histories help keep collections predictable and audits on schedule. Features 4.5 (3,284) 4.5 Based on 3,284 reviews ## Pricing Stripe uses a pay-as-you-go model for its core payment platform, charging 2.9% + $0.30 per transaction. This does not include charges for additional add-ons such as its more advanced automation and security features. There are also custom pricing options designed for companies with higher billing volumes or distinct business setups. ### Starting price Contact vendor for pricing Free trial not available [View all Pricing Plans](https://www.capterra.com/p/123889/Stripe/pricing/) David Jani Senior Content Analyst Stripe’s pricing favors variable costs can benefit low-volume businesses, but recurring billing or advanced fraud tools quickly push costs beyond typical SMB budgets. Value for money 4.4 (2,500) 4.4 Based on 2,500 reviews ## Integrations Stripe connects across eCommerce storefronts, website builders and CMS, accounting tools, and digital wallets, delivered through a mix of native payment methods and third‑party apps to centralize payments, reporting, reconciliation, and SMB workflows. Popular integrations [ PayPal](https://www.capterra.com/p/207944/PayPal/)[ Slack](https://www.capterra.com/p/135003/Slack/)[ WordPress](https://www.capterra.com/p/131687/WordPress/)[ Wix](https://www.capterra.com/p/169007/Wix/)[ Docusign](https://www.capterra.com/p/121506/Docusign/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) David Jani Senior Content Analyst Linking Stripe with your storefront, site builder, and accounting tools speeds up quote-to-cash, gives your finance team cleaner reconciliations, and helps your small sales team avoid duplicate entry so they can focus on closing deals. Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.2 (2252) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.2 (2,252) 4.2 Based on 2,252 reviews ## User reviews Overall rating 4.6 Based on 3,304 reviews Filter by rating 5(2435) 4(634) 3(114) 2(26) 1(95) Mentioned topic Sorted by most recent Jayme V. Owner Information Technology and Services ### "Definitely Beats others!" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 March 31, 2026 Stripe has made it possible for me to launch and test multiple digital products without needing a complicated financial setup or a full development team. As someone building structured tools like Identity Architect frameworks, digital reports, and downloadable software, I needed a payment system that felt professional but didn’t slow down execution. Stripe strikes that balance extremely well. The biggest advantage is how quickly you can go from idea to checkout. Payment links, hosted checkout pages, and simple product setup allow you to start selling almost immediately. For founders working on early-stage products or iterating quickly, that speed matters more than anything. I was able to validate demand and capture real customers without getting stuck in technical complexity. Stripe also grows with you. What starts as a simple payment link can later become subscriptions, gated digital downloads, or fully integrated checkout flows. This flexibility is especially helpful when products evolve over time, which they inevitably do. Having everything in one ecosystem reduces friction and avoids the need to constantly switch tools as your business matures. The dashboard is clean and intuitive, making it easy to track payments, refunds, and customer activity without feeling overwhelmed. Even when using more advanced features like invoicing or product variations, the interface stays relatively straightforward. Compared to many financial tools, Stripe feels designed for builders rather than accountants. Another strong point is how easily Stripe fits into a broader digital workflow. It integrates smoothly with website builders, email platforms, and automation tools, making it practical for founders creating structured online offerings rather than physical retail. Customer support can occasionally take time depending on the issue, and some deeper customization features may require technical guidance if you want to build something very complex. However, for most founders launching digital products or services, the core functionality is accessible and reliable without needing extensive development resources. Overall, Stripe removes a major barrier to entry for entrepreneurs who want to move quickly and present a polished, trustworthy checkout experience. It supports experimentation while still providing infrastructure strong enough to scale. Pros Very easy to start accepting payments quickly •Clean, intuitive dashboard •Works well for digital products, frameworks, and online services •Flexible as offerings evolve (one-time, subscription, gated access) •Professional checkout experience builds trust •Integrates well with modern website and email tools Cons Support response times can vary •Some advanced customization may require technical setup •Fees are standard but noticeable at higher volume Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reasons for choosing Stripe Better features, less resistance in general Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Owner Operator Design ### "Great for Freelancers" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 March 29, 2026 From the start to the finish of projects, I am considering time and pricing constantly. There's enough for me to worry about when working with clients, so having Stripe as a tool in my belt is a fantastic way to de-fantasize pricing and free my brain up for real creative work. Pros Stripe is extremely easy to use for both personal and professional use-cases. As a freelancer, it is fantastic to be able to assign services, automatically allow my clients to pay for them, and even allows me to utilize retainer situations. Cons Stripe can be as simple or as complex as you'd like to make it. It is worth investing some time up-front to set up the most efficient backend as possible. Future you will thank you. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Ceo Writing and Editing ### "5 star great to have added to store" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 7/10 March 26, 2026 I really like stripe with the fact they offer all types of payment options not many do. I havent seen if they accept crypto thi Pros Customer service is very good. Easy to use and set up. No bug issues customization is pretty good they are good with money. Cons One time i messed up on a set up and it took awhile to hear back but i do understand business is business and takes time to reach out. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Teya B. Digital Illustration Arts and Crafts ### "Never looking back to Paypal again" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 19, 2026 I've had a wonderful overall experience with Stripe. I am rarely using Paypal in my projects and online stores anymore. Pros Ever since I started using Stripe I have had nothing but positive experience with it. Integration is always smooth and seamless and the support agents are a bliss to talk to. I love Stripe's "customer portal" feature that allows my students to directly manage their subscription - upgrade, cancel, change details. Cons The AI agent that you need to overcome each time you're reaching for support is so bad. It doesn't understand the question, provides wrong instructions and loses your time until you finally get it to connect you with a real human. I wish companies stopped using annoying bots to provide support - they are never ever as good as people. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I switched because the support of Paypal is really slow and they don't take phone calls anymore due to Covid-19. The second reason is the crazy conversion rates they charge. It's a robbery! Not only this, but they wouldn't allow me to connect a Transferwise account so that I can save from the fees. They are so greedy! Much worse than actual banks. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JA Jaya A. Blogger Writing and Editing ### "Strong Point of Sale Tool" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 March 19, 2026 Great point of sale tool for small business owners that can be used online and in-person as a payment tool. Pros Stripe is easy to set up and use. It supports multiple business accounts and features easy tracking. Payments process smoothly and the software allows you to send invoices to clients as well as build a checkout page that accepts most online payment methods. Cons Interface is a little tricky to learn, but the setup wizard guides you through it and sets you up for success. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AS Alicia S. Principal Accountant Consumer Services ### "Great software for collecting payments!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 19, 2026 Stripe has been great. We use this for conference registrations. We host 4 conferences a year so this has become instrumental in collecting payments timely. The online platform is also super easy to use. Pros The ease in which you can receive and auto transfer payments to your bank account. It's also super easy to provide receipts and refunds and the reporting is fantastic. I also love that we can create unique Stripe payment links and send them via email for customers to pay. Cons I wish Stripe would show a little bit more detail for each transaction in the reports, but really not much to complain about as that might be an issue on our end. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) This was an antiquated software and was difficult to run reports and collect in-person payments. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Dan J. COO Management Consulting ### "Straightforward tool to collect and manage payments" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 March 19, 2026 Pros Love Stripe's vast array of connectivity for use as payment processor for platforms that don't have other options. Cons Stripe feels like they have/offer a large amount of products and services that often go beyond what I need the tool to do. They have an arduous review process if any charges get flagged or issues come up. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reasons for choosing Stripe Better compatibility with tech stack we were currently using Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Founder Education Management ### "Gives your business extra reach when converting clients" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 March 19, 2026 Our experience with Stripe is a good one, we are a relatively small enterprise and do not have the ability to speak with anyone at Stripe... But we've never needed to. Such a simple product that allows you to transact with your custoomer nase with ease. Pros Stripe has gone further with Xero integration and I am able to collect regular invoices via credit / debit card or via Link. Most of our traditional invoices have converted to regular card payments - no direct debits, no clunky BACS just super quick payment. Cons The only down side in my opinion would be the fact it doesn't like to release foreign currencies until you have acheived a certain threshhold. Switched from [Global Payments Integrated](https://www.capterra.com/p/121910/OpenEdge/) We switched as GP was coded in to a website, when we gave that site a face lift we investigated other products, Stripe delivered this in many ways! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Andrew M. CTO Financial Services ### "The #1 Financial payments platform" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 March 19, 2026 Pros Well designed, extensive documentation, reliable service at all times. It's a delight to build with most of the time. Cons The documentation can be overwhelming and you can struggle to find what you need at times or how different items link together. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AU Anonymous User Owner and Creative Director Retail ### "Scalable Payment Solution for Small Online Businesses" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 March 18, 2026 In general, I haven't had any issues with stripe. It works great for online businesses and it gives you control over how your payment system works. Pros What I like the most about Stripe is its global reach and that it’s built to grow with your business. Cons I feel the customer support can improve their service and their response rate should be faster. Us business owners, need reliable and fast support. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/123889/Stripe/reviews/) ## FAQs Stripe is widely regarded as trustworthy. It holds PCI DSS compliance, uses encryption for sensitive data, and offers advanced fraud detection. On Capterra, Stripe scores 4.6 out of 5 from over 3,000 verified reviews, reflecting strong user confidence in its security and reliability. Stripe’s drawbacks include higher fees for some transactions, strict fraud detection that may flag legitimate payments, and occasional support delays. Users also report complexity in handling refunds and account verification, which can slow operations for high-volume businesses. Yes. Stripe requests SSN details to comply with financial regulations for identity verification. The platform encrypts sensitive data and applies strict security measures. No. Stripe uses a pay-as-you-go model with no monthly subscription for core payments. Standard pricing is 2.9% plus $0.30 per successful card transaction. Additional fees apply for international cards, currency conversion, or premium services like advanced fraud tools and billing automation. Stripe typically processes payouts within two to three business days for U.S. accounts. Timing can vary by country, bank, and account history. Instant payout options are available for an extra fee, allowing businesses to access funds faster when cash flow needs are urgent. Stripe suits small businesses, eCommerce companies, and service providers that need flexible online payment processing. It’s also popular among software vendors and subscription-based businesses due to its API-driven setup, recurring billing options, and ability to support multiple payment methods globally. Stripe charges 2.9% plus $0.30 per successful domestic card transaction. Additional fees apply for international cards and currency conversion. ACH direct debit costs 0.8% per transaction, capped at $5. Premium features like Billing or Radar for Fraud Teams have separate pricing tiers. Yes. Stripe earns a 4.6 out of 5 rating on Capterra, with strong feedback for payment processing reliability and integration flexibility. Its developer-friendly tools and global reach make it a solid option for businesses prioritizing online transactions and recurring billing capabilities. ### Have more questions? Connect with one of our advisors for a free consultation and save time in your software search. ## Sources 1. **Capterra reviews data:** Capterra reviews are collected from verified users for individual software products. [Learn more about how we source our data](https://www.capterra.com/resources/proprietary-data-research/). 2. **Capterra Shortlist:** Capterra Shortlist identifies the top products in our software categories based on a proprietary blend of user ratings and popularity. [Read the complete methodology here](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology). 3. This product information came from Stripe’s own online content in September 2025, including the product's website and its social media channels. ## Related reading ### [5 Key Payment Processing Software Features and Top Products That Offer Them](https://www.capterra.com/resources/key-payment-processing-software-features/) Published September 4, 2024 by [Shephalii Kapoor](https://www.capterra.com/resources/author/skapoor/) and [Carolyn Santa Maria](https://www.capterra.com/resources/author/carolyn-santa-maria/) ### [5 Key Features of Billing and Invoicing Software and Top Products That Offer Them](https://www.capterra.com/resources/key-features-of-billing-and-invoicing-software/) Published April 11, 2024 by [Barkha Bali](https://www.capterra.com/resources/author/bbali/) ### [Capterra's 2025 Tech Trends Report: How Successful Buyers Find, Evaluate, and Purchase Software](https://www.capterra.com/resources/tech-trends-successful-buyer-purchase-journey/) Published November 18, 2024 by [Brian Westfall](https://www.capterra.com/resources/author/bwestfall/) and [Carolyn Santa Maria](https://www.capterra.com/resources/author/carolyn-santa-maria/) ### [Tech Trends 2025: How Businesses in Finance Can Turn to Technology to Fuel Their Growth](https://www.capterra.com/resources/tech-trends-business-software-buying/) Published January 29, 2025 by [Eduardo Garcia](https://www.capterra.com/resources/author/eduardo-garcia/) and [Kathryn Todd](https://www.capterra.com/resources/author/kathryn-todd/) ### [5 Emerging IT Trends Researchers Predict To Boom By 2028](https://www.capterra.com/resources/it-trends/) Published January 18, 2024 by [Bhavya Aggarwal](https://www.capterra.com/resources/author/bhavya-aggarwal/) Popular comparisons [PayPal vs Stripe](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal)[Venmo vs Stripe](https://www.capterra.com/compare/123889-222572/Stripe-vs-Venmo-)[Square Payments vs Stripe](https://www.capterra.com/compare/123889-170278/Stripe-vs-Square-Payments-Processing)[Square Point of Sale vs Stripe](https://www.capterra.com/compare/123889-275802/Stripe-vs-Square-Point-of-Sale)[Stax vs Stripe](https://www.capterra.com/compare/123889-157492/Stripe-vs-Fattmerchant-Payments-Online)[Google Pay vs Stripe](https://www.capterra.com/compare/123889-212826/Stripe-vs-Google-Pay) [Nomod vs Stripe](https://www.capterra.com/compare/123889-176749/Stripe-vs-Nomod)[HoneyBook vs Stripe](https://www.capterra.com/compare/123889-162588/Stripe-vs-HoneyBook)[Clover vs Stripe](https://www.capterra.com/compare/123889-226864/Stripe-vs-Clover)[PaySimple vs Stripe](https://www.capterra.com/compare/123889-146664/Stripe-vs-PaySimple)[Wave vs Stripe](https://www.capterra.com/compare/123889-178021/Stripe-vs-Wave-Apps)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. 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