Stripe for Online Payments: A Comprehensive Guide

Stripe is a powerful tool for online payments that can help you get paid faster and reduce the risk of chargebacks. It offers a wide range of payment methods, including credit and debit cards, as well as popular alternatives like Apple Pay and Google Pay.

Stripe is a global payment processor, allowing you to accept payments from customers in over 135 countries. With its robust infrastructure, you can focus on growing your business while Stripe handles the payment processing.

Stripe's fees are competitive, with a flat rate of 2.9% + 30¢ per transaction, making it an affordable option for businesses of all sizes. This fee structure helps you budget for payment processing costs and avoid unexpected charges.

Stripe provides a seamless checkout experience for your customers, with customizable payment forms and a secure checkout process that reduces cart abandonment rates. By using Stripe, you can increase conversions and drive more sales.

To get started with Stripe for online payments, you'll want to take a look at their prebuilt checkout feature. This allows you to easily integrate payment processing into your website or app.

You can also leverage Stripe's libraries and SDKs to simplify the payment process. These tools are designed to make it easy to accept online payments and manage subscriptions.

Another option is to explore app integrations, which can help you connect Stripe with your existing apps and services. This can save you time and effort in the long run.

Here are some specific features to consider:

With Stripe, you can also manage subscriptions and send payments with ease. This can be a big time-saver, especially if you're handling recurring payments or need to send invoices to customers.

Stripe offers a wide range of payment options for online merchants. With Stripe, you can accept payments from digital wallets like Google Pay and Apple Pay.

Stripe also allows for payments from Masterpass, Visa Checkout, WeChat Pay, and more. This means you can cater to a variety of customers with different payment preferences.

Stripe accepts various types of payments online, including niche products like UnionPay, JCB, and Diners Club. This ensures that you're not limiting your business to just a few payment methods.

Stripe allows for digital wallets like Google or Apple Pay, making it easy to receive payments from a variety of sources.

You can get payments from Apple Pay, Google Pay, Masterpass, Visa Checkout, WeChat Pay, and more with Stripe's digital wallet service.

Stripe has several different ways merchants can accept payments online. One of the types of payments Stripe accepts is UnionPay, which is a popular payment method in China.

Stripe also accepts JCB, a Japanese credit card company that's widely used in Asia. This opens up a lot of opportunities for businesses looking to tap into the Asian market.

In addition to these niche products, Stripe also accepts Diners Club, a payment card brand that's been around since the 1950s. It's still used by some businesses today, especially in the travel industry.

Payment processing with Stripe is straightforward and affordable. There are no setup fees or monthly fees, making it a great option for businesses of all sizes.

Stripe accepts and processes a wide range of credit and debit cards, including American Express, Visa, Discover, and Mastercard-branded cards. This means you can easily accept payments from customers with different types of cards.

Here are the different types of payment processing offered by Stripe:

Stripe's payment processing fees are transparent and predictable, with a flat rate of $3.20 per month for recurring payments of $100 or more. This makes it easy to budget and forecast your payment processing costs.

Creation is a breeze with the right tools. You can create and issue cards instantly, and get branded physical cards shipped in just two days. This is a huge time-saver, and it's great for businesses that need to get up and running quickly.

Branded card designs are a must-have for any business. With multiple shipping options, you can choose the best fit for your needs.

You can issue cards through Connect, which makes it easy to manage your cards in one place. This is a game-changer for businesses with multiple cards or complex card management needs.

Digital wallets are also supported, making it easy to provision cards to customers who use digital payment methods.

Credit and debit cards are a popular payment method, and Stripe makes it easy to accept them. Per-transaction pricing means no setup fees or monthly fees, so you can focus on selling.

Stripe accepts and processes American Express, Visa, Discover, and Mastercard-branded cards, giving your customers plenty of options. This makes it convenient for them to make a purchase.

As a merchant, you don't have to deal with the complexity of credit card processing. Stripe handles all the behind-the-scenes work, from verifying transactions to checking for fraud.

Stripe's Link feature autofills customers' saved cards and US bank accounts, making the checkout process seamless.

Online customer processing is a crucial aspect of any business, and Stripe offers several ways to make it seamless. Stripe Checkout is a payment page that merchants can use to sell, but it doesn't offer much flexibility in terms of design.

To create a customized payment form, merchants can use Stripe Elements, which provides prebuilt components to customize the payment form. This can include features like countdown timers, order bumps, and more.

One of the benefits of using Stripe is its per-transaction pricing, which means no setup fees or monthly fees. This can be especially beneficial for businesses that don't have a large volume of transactions.

For platforms and marketplaces, Stripe offers Connect, which provides hosted or embedded onboarding and verification, international support in 46+ countries, and more. This can help businesses streamline their payment processing and reduce the risk of fraud.

Here are some key features of Stripe Connect:

For businesses that want to grow their recurring revenue, Stripe offers a billing feature that allows for flexible pricing models, including subscriptions, seat-based, and usage-based billing. This can help businesses collect and retain more revenue with smart recovery tools and enable customers to self-manage plans with a pre-built customer portal.

The cost of using Stripe's billing feature is $15 per month, plus 2.9% + $0.30 per transaction, with a 1-year contract. Custom pricing is available for companies with large billing volume or unique business models.

If you're considering alternatives to Stripe for your payment processing needs, let's take a closer look at some other popular options.

Stripe's fees are competitive with other payment gateways, but it's worth exploring the details. PayPal, for example, charges 2.59% + 49 cents per charge for online payments, which is slightly lower than Stripe's 2.9% + 30 cents per charge.

PayPal also covers more countries, with 200+ countries supported, although it has a shorter list of connected payment methods. Square, on the other hand, has relatively smaller fees for online sales, especially for small businesses with limited online sales geography.

If you're looking for a payment gateway that emphasizes POS terminals and in-person payments, Clover is worth considering. However, it charges higher fees due to using Dynamic Currency Conversion (DCC), which can be up to 3–4%.

Here's a quick comparison of the fees and features of some popular payment gateways:

Stripe takes security seriously, using strong encryption, fraud prevention, and PCI enforcement controls to ensure data is safe.

Stripe uses AES-256 encryption, the industry standard for security data, to protect all stored card numbers.

None of Stripe's internal servers can access plain-text card numbers, adding an extra layer of security.

Stripe's powerful fraud protection features have allowed some users to simplify their codebase and even see a higher conversion rate than before.

Using Stripe Checkout simplifies payments, making it easier to think about compliance. It's like handing off the entire payment process to a trusted partner.

Stripe handles sensitive information with strong encryption, fraud prevention, and PCI enforcement controls. This ensures data is safe and secure.

Stripe's Radar product detects and blocks fraudulent transactions using machine learning. This keeps your business and customers safe from thieves.

Stripe's tax calculation and collection features make it easy to handle taxes on transactions. You can integrate with no-code or API setup and monitor volume to state or country tax thresholds.

Here are the key features of Stripe's tax calculation and collection:

Stripe takes security seriously, and their system is designed to protect sensitive information.

Stripe Tax is integrated with no-code or API setup, allowing for secure and seamless tax calculation and collection.

This integration enables businesses to monitor volume to state or country tax thresholds, ensuring compliance with local tax laws.

Stripe Tax automatically collects tax in all US states and 60+ countries, reducing the risk of errors and non-compliance.

For accounts with standard pricing, Stripe Tax is waived, eliminating additional fees.

In cases where tax is charged, Stripe's system calculates tax on 600+ types of products and services, making it easy to manage complex tax requirements.

Taxes are calculated and collected on transactions created through Stripe's payment APIs or any payment processor, with each transaction including 10 calculation API calls.

For each calculation API call above 10, a fee of 5¢ (or €0.04 for accounts outside the US) is applied, providing transparency and control over costs.

Stripe's system is designed to handle complex tax scenarios, making it a reliable choice for businesses with global operations.

By automating tax calculation and collection, businesses can reduce the risk of errors and non-compliance, and focus on growth and development.

Account Updater is a valuable tool that helps keep customer information up to date. It automatically updates expired or renewed card information for saved customers.

With Account Updater, you can reduce the risk of declined transactions and maintain a smooth payment process. This is especially important for businesses that rely on recurring payments.

Associated network fees may apply to the use of Account Updater, so be sure to factor that into your budget.

Instant Bank Account Verifications are a game-changer for businesses, allowing them to verify bank accounts in an instant.

With Instant Bank Account Verifications, you can retrieve tokenized account numbers to quickly verify bank accounts for ACH Direct Debit, payouts, and other types of money movement.

Micro-deposit verifications are free, which means you can verify accounts without incurring any additional costs.

This means you can focus on your business without worrying about the hassle and expense of manual verification processes.

For every successful instant verification, you can get back to work quickly, knowing that your account verifications are accurate and reliable.

Stripe offers a pay-as-you-go pricing model, which means you only pay for the transactions you process, without a monthly fee. This can be a cost-effective option for businesses with varying payment volumes.

Stripe's processing fees are 2.9% + 30 cents per successful card charge. For example, if you charge someone $100, Stripe would take $3.20 in fees, leaving you with $96.80.

Custom pricing is available for companies with large payment volumes, high-value transactions, or unique business models, which can provide more tailored pricing options.

Adaptive pricing is a great way to increase revenue and improve customer experience by presenting prices in local currencies to customers globally.

You can also get custom pricing if you have a large payment volume, high-value transactions, or a unique business model.

Stripe has a paid-as-you-go pricing model, meaning you don't have to pay a monthly fee to use their features.

For successful card charges, Stripe charges 2.9% + 30 cents, so if you charge someone $100 for a product, Stripe would take $2.90 + 30 cents, totaling $3.20, leaving you with $96.80.

Stripe's processing fees for recurring payments are the same as their regular pricing.

Adaptive Pricing is a game-changer for businesses that want to increase revenue and improve the customer experience.

By presenting prices in local currencies, you can attract more customers globally and boost sales.

Custom pricing options are available for companies with large payment volumes, high-value transactions, or unique business models.

This means you can tailor your pricing to fit your specific needs and maximize revenue.

Presenting prices in local currencies also improves the customer experience by making it easier for them to make purchases.

If you're a business with a large payments volume or unique business model, you may be eligible for alternative pricing options.

Our team will review your current statements and help design a customized pricing package that suits your business.

Stripe offers a range of features and tools to make online payments seamless and secure. You can qualify for the simplest form of PCI validation, a prefilled SAQ A, with Checkout, minimizing your PCI burden.

Stripe's Checkout form is optimized for conversion, accepting one-time and recurring payments, and is available in 20+ payment methods, 30+ languages, and 135+ currencies. You can customize it with your branding to match your website's design.

Some of the key features of Stripe's Checkout include simplified PCI validation, email receipts, coupons and promo codes, address collection, automatic tax collection, and language support. You can also use Stripe's built-in conversion optimizations to improve your checkout experience.

Here are some of the key features of Stripe's Checkout:

With Stripe, you can also create, customize, and send online invoices that get paid fast, monitor invoice statuses, and easily collect unpaid invoices. Automatic reconciliation of incoming payments with outstanding invoices is also available.

Creating a form is an essential step in setting up your payment system. You can create a custom payment form using Cartfuel, a payment form builder that integrates with Stripe.

Cartfuel offers extra customization and functionality compared to a standard payment form. You can add your custom font, change button colors, add countdown timers, and more.

To get started, you'll need to connect your Stripe account to Cartfuel. This involves going to the 'Payment Gateways' section and selecting Stripe.

Here are the key features of Cartfuel:

Once you've connected your Stripe account and customized your form, you can proceed to the next step. This is where you can add even more details, such as changing the font text, button size, and button color.

The final step is to review and finalize your payment form. This is where you can make any last-minute changes before going live.

With Stripe's integrated suite, you can move faster and focus on what matters most – growing your business. You'll get access to 100+ features out of the box, including built-in features like simplified PCI validation, email receipts, and coupons and promo codes.

The suite also includes a prebuilt payment form optimized for conversion, accepting one-time and recurring payments, with 20+ payment methods, 30+ languages, and 135+ currencies. This means you can easily accept payments from customers all over the world, without worrying about the complexities of international transactions.

One of the key benefits of Stripe's integrated suite is its ability to automate many tasks, freeing up your time to focus on higher-level tasks. For example, you can use Stripe's automatic tax collection feature to streamline your tax compliance, and its chargeback protection feature to reduce the risk of fraudulent disputes.

Here are some of the key features you can expect from Stripe's integrated suite:

With Stripe's integrated suite, you can also create, customize, and send online invoices that get paid fast, and monitor invoice statuses and easily collect unpaid invoices. This means you can get paid faster and reduce the risk of late payments.

Overall, Stripe's integrated suite is a powerful tool that can help you move faster and grow your business more efficiently. By automating many tasks and providing access to a wide range of features, you can focus on what matters most – delivering value to your customers and growing your business.

Adaptive Acceptance is a game-changer for businesses looking to boost revenue and improve the customer experience.

Machine learning models help increase revenue by improving authorization rates in real-time, making it easier to get paid.

These models are particularly effective for accounts with custom pricing, where each successful card charge can make a big difference.

Secure payment credentials are also a key part of Adaptive Acceptance, helping to increase revenue and improve the customer experience.

With Adaptive Acceptance, you can expect to see improvements in authorization rates, which can lead to more successful transactions and a stronger bottom line.