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What's the alternative to Stripe for collecting your payments?

What's the alternative to Stripe for collecting your payments?

Temps de lecture : 6 minutes

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

logo hero

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.

Recipes

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

Request a customized quote

Paypal

logo 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.)

Recipes

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

logo 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.

Recipes

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

logo shopify

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

Recipes

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

logo 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

logo 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

logo 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

Recipes

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

logo 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

Recipes

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

Request a customized quote


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

Request a customized quote

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.

Écrit par

Valentin Orru

Head of growth

13/11/2024