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Stripe

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payments

Payment infrastructure for the internet

paymentsbillingsubscriptionssaasinvoicing
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Overview

Stripe is the default billing solution for indie SaaS. Developer-first, well documented, and handles subscriptions, one-time payments and invoicing. Free to start — they take a cut per transaction.

Developer first

Clean, consistent APIs and SDKs in 14+ languages.

Global scale

Accept payments in 135+ currencies worldwide.

All-in-one

Payments, billing, invoicing and disputes in one place.

Quick Facts

Categorypayments
Pricing2.9% + $0.30 per transaction, no monthly fee
Founded2010
HQSouth San Francisco, USA
Websitestripe.com

Pros

Best-in-class docs and developer experience
No setup or monthly fees on the standard plan
Handles subscriptions, invoicing and disputes in one place
Supports 135+ currencies and most payment methods
Free fraud protection (Radar) built in

Cons

You handle sales tax / VAT yourself (not a merchant of record)
Fees stack fast: +1.5% international, +1% conversion
$15 per chargeback, win or lose
Account holds and freezes are a known frustration
Add-ons like Billing carry extra percentages

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Paddle

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Lemon Squeezy

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Merchant of record for SaaS founders

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Frequently asked questions

Is Stripe free to use?

There is no setup or monthly fee on the standard plan. You only pay a per-transaction fee when you get paid.

What fees does Stripe charge?

In the US, 2.9% + $0.30 per successful card payment, with +1.5% for international cards and +1% for currency conversion. Rates differ by country.

Does Stripe handle sales tax for me?

No. Stripe is a payment processor, not a merchant of record, so you are responsible for collecting and remitting tax. Stripe Tax can help calculate it.

Can Stripe handle subscriptions?

Yes. Stripe Billing supports recurring plans, trials, proration and usage-based pricing out of the box.

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