Independent developer field guide
Edition 0012026
Payments & Billing · Build · Operate

Stripe

Global payment processing platform for internet businesses, with APIs and hosted checkouts.

usage-based active

What it is

Stripe is a payment platform for online and in-person commerce, as outlined on the Stripe homepage. Through Payment Intents, hosted Checkout pages, and no-code Payment Links described in the Stripe documentation, businesses can accept online and in-person payments. Beyond basic processing, the documentation describes Stripe Billing for subscriptions and recurring payments, Stripe Connect for processing payments for connected accounts, and Radar for assessing fraud risk.

When it fits

Stripe fits software businesses that want to build their own checkout with APIs and pay on a pay-as-you-go basis. It has no setup or monthly fees, and it offers UI building blocks that match a site's design, according to the Stripe pricing page.

What to watch

Stripe also offers Managed Payments, which the Stripe Managed Payments page describes as its merchant of record solution for digital products, handling sales tax, VAT, and GST compliance in more than 80 countries. The Stripe pricing page lists separate fees for international cards, currency conversion, and disputes.

Who it is for
  • Software businesses and developers requiring programmable global payments, subscriptions, and financial tooling.
  • Platforms building custom checkout experiences or marketplace payouts.
Strengths
  • Stripe provides hosted checkout pages, Payment Links, and flexible payment APIs without setup or monthly account fees.Source: stripe.com · checked Nov 2026
  • Stripe accepts cards and digital wallets for online payments, with cardholder support in 195+ countries.Source: stripe.com · checked Nov 2026
Tradeoffs and limits
  • Additional transaction fees apply for international cards, currency conversions, and handling payment disputes.Source: stripe.com · checked Nov 2026
  • Stripe Managed Payments, its merchant of record option, is intended for digital products such as SaaS, software, and digital content or downloads.Source: docs.stripe.com · checked Nov 2026
Alternatives