Best Alternatives to Stripe

Razorpay

Payment infrastructure for businesses to accept, process, and disburse payments.

Razorpay provides payment infrastructure for online businesses, marketplaces, and other organizations. Its Payment Gateway lets businesses accept payments through cards, UPI, netbanking, wallets, EMI, and other payment methods. Razorpay also provides Payment Links, Payment Pages, Payment Buttons, Invoices, Subscriptions, Route for marketplace payments, and other financial products. Its developer platform includes REST APIs, web and mobile SDKs, plugins, webhooks, test and live modes, and integrations with ecommerce platforms and programming languages. Razorpay also supports international payments for eligible businesses and states that its international gateway can accept payments from customers in 180+ countries and 135 currencies.

Adyen

A financial technology platform for end-to-end payments, data insights, and financial products.

Adyen provides payment processing for online and in-person commerce, including cards, wallets, bank payments, and local payment methods. Its platform includes Checkout, payment terminals, payouts, risk management, recurring payments, marketplace and platform payments, and card issuing. Developers can integrate through APIs, SDKs, Drop-in, Components, and pre-built ecommerce plugins. Adyen supports more than 200 payment methods and 150+ currencies, with integrations for platforms such as Shopify, Adobe Commerce, Salesforce Commerce Cloud, BigCommerce, WooCommerce, and others.

Paddle

Payments, billing, and tax compliance for software businesses.

Paddle provides payments and billing infrastructure for software businesses selling globally. As a Merchant of Record, Paddle handles payment processing, global sales tax and VAT registration, calculation, collection, filing, and remittance. Its billing platform supports one-time purchases, subscriptions, add-ons, lifetime access, multi-product subscriptions, localized checkout, multiple payment methods, invoicing, fraud protection, payment recovery, and subscription management. Paddle also provides ProfitWell Metrics for subscription and revenue analytics and Retain for recovering failed payments and reducing churn. Its developer platform includes APIs, webhooks, SDKs, a sandbox, and embedded billing capabilities.

Dodo Payments

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

Dodo Payments provides payment processing, billing, and Merchant of Record services for digital businesses. Businesses can accept payments globally and create one-time, subscription, or usage-based products. As a Merchant of Record, Dodo Payments handles payment, tax, fraud, and compliance responsibilities. The platform provides APIs, SDKs, checkout options, payment links, webhooks, analytics, invoicing, license keys, and digital product delivery. It supports more than 150 countries, 80+ currencies, and 30+ payment methods according to its documentation.

Polar

The billing stack for the intelligence era.

Polar provides billing infrastructure for software businesses, with a focus on SaaS, AI products, and digital products. It acts as a Merchant of Record, handling international sales tax, payment processing, fraud, refunds, and chargebacks. Developers can sell one-time products or subscriptions, create fixed, pay-what-you-want, free, seat-based, or metered pricing, and integrate through hosted checkout, embedded checkout, APIs, SDKs, and framework adapters. Polar also provides automated benefits such as license keys, file downloads, GitHub repository access, and Discord access. Its platform is open source and supports usage metering, customer portals, webhooks, analytics, and subscription management.

Creem

The complete platform for software companies.

Creem provides payment and billing infrastructure for software businesses selling globally. As a Merchant of Record, Creem processes customer payments, issues invoices, calculates and remits applicable VAT, GST, and sales taxes, and handles fraud prevention, refunds, chargebacks, and related compliance. The platform supports subscriptions, usage-based billing, credit packs, seat-based pricing, license keys, revenue splits, affiliate programs, customer management, hosted or embedded checkout, APIs, SDKs, and webhooks. Creem specifically targets developers, indie hackers, SaaS companies, AI products, and other digital businesses.

Kelviq

Payments, tax, billing, and usage-based monetization for SaaS, AI, and digital products

Kelviq provides payment and billing infrastructure for software companies and digital creators. It acts as the Merchant of Record, handles global tax collection and remittance, and supports subscriptions, one-time payments, usage-based billing, credits, overages, per-seat pricing, volume pricing, and hybrid models. It also provides hosted checkout, customer portals, feature entitlements, usage metering, license keys, digital downloads, country-specific pricing, and APIs and SDKs for integrating billing into applications. Kelviq uses Stripe for payment processing and payouts.

Gumroad

Sell your work directly to your audience.

Gumroad provides a simple storefront and checkout platform for selling digital products. Sellers can create customizable product pages or embed Gumroad on an existing website, accept one-time or recurring payments, offer memberships and subscriptions, use pay-what-you-want pricing, create discounts and affiliates, and analyze sales. Gumroad also provides software license keys, multiple product versions, lightweight DRM, email broadcasts, automated workflows, and a marketplace called Discover. Since January 1, 2025, Gumroad has operated as a Merchant of Record and handles applicable sales tax collection and remittance worldwide.

Lemon Squeezy

Merchant of record for digital products and SaaS

Lemon Squeezy is a merchant of record platform for selling digital products, software, SaaS subscriptions, and licenses. It handles payment processing, sales tax, fraud protection, subscriptions, invoicing, and payouts on behalf of merchants. It is designed for creators, developers, and software businesses selling globally. Lemon Squeezy was acquired by Stripe in 2024 and is now part of Stripe's broader merchant-of-record strategy. The company continues to operate Lemon Squeezy while building Stripe Managed Payments.