Stripe is the gold standard for online payments. No monthly fee — 2.9% + 30c per transaction. Used by Amazon, Shopify, Lyft, and millions of small businesses. Non-developers can use Stripe without code via Stripe Checkout and Payment Links.
Pros
- No monthly fee | Best developer API | Handles subscriptions natively | Excellent fraud prevention | Available in 46 countries
Cons
- Stricter account review than PayPal | Can hold funds if flagged | 2.9% fee adds up at scale | Not available in all countries
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