# Stripe Software 2026: Features, Integrations, Pros & Cons | Capterra > Capterra's in-depth exploration of Stripe Software's capabilities reveals its suitability for various software needs and provides a comprehensive overview of Stripe Software pricing, features, integrations, and potential alternatives. Source: https://www.capterra.com/p/123889/Stripe --- # Stripe Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 12, 2025 Written byDavid Jani David Jani David Jani is a senior content analyst at Capterra. With a background in tech journalism, public relations, professional training, and marketing, he uses his extensive experience to investigate small business technology trends, with a focus on... [See bio & all articles](https://www.capterra.com/resources/author/david-jani/) Edited byCaroline Rousseau Caroline Rousseau Content Editor After three years of building surveys, analyzing data, and writing her own research, Caroline has been a senior content editor since 2022. Her previous experience as an analyst converged into a skill set that allows her to help her peers devel... [See bio & all articles](https://www.capterra.com/resources/author/caroline-rousseau/) Content Editor Written by [David Jani](https://www.capterra.com/resources/author/david-jani/) David Jani is a senior content analyst at Capterra. With a background in tech journalism, public relations, professional training, and marketing, he uses his extensive experience to investigate small business technology trends, with a focus on marketing and cybersecurity, to provide timely, actionable insights for small and midsize businesses. Edited by [Caroline Rousseau](https://www.capterra.com/resources/author/caroline-rousseau/) Content Editor After three years of building surveys, analyzing data, and writing her own research, Caroline has been a senior content editor since 2022. Her previous experience as an analyst converged into a skill set that allows her to help her peers develop and produce compelling content about today’s business matters. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Key takeaways](#key-takeaways)[Our verdict](#our-verdict)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Interface](#interface)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Stripe Stripe Overview: ### Key takeaways Insights from verified Capterra reviews Stripe helps businesses manage online and recurring payments with flexible APIs and global method support. It’s most used by small firms and lean teams handling frequent transactions. Reviewers value its integration depth and real-time processing, though fees and dispute handling draw criticism. Advanced fraud controls and new orchestration tools expand its appeal for scaling operations. ### Our verdict Stripe offers strong flexibility for businesses that prioritize online and recurring payments, but buyers should weigh trade-offs. Its API-driven depth and advanced fraud tools support scale, yet setup complexity and transaction-based pricing can challenge smaller budgets. Those needing predictable costs or extensive in-person payment options are considerable limits, when assessed against Stripe’s automation and global reach. Overall rating Based on 3,324 user reviews Reviews sentiment Positive 93% Neutral 4% Negative 4% Pros & cons Extensive platform integration options Developer-friendly API resources Inconsistent fraud prevention process Challenging chargeback management Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Stripe alternatives While Stripe offers strong online payment capabilities, teams prioritizing lower transaction fees, simpler in-person payment tools, or broader regional coverage may find it less aligned with their goals. Explore other solutions that better fit your budget, integration needs, and preferred interface style. Highest Rated [4.7 (678)](https://www.capterra.com/p/162588/HoneyBook/reviews/) Starting price $36.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [4.0 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 75% of reviewers rated it above 4 stars [4.2 (2,004)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [3.8 (713)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Starting price $349.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 68% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/123889/Stripe/alternatives/) ## Who uses Stripe? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Extensive platform integration options 91% positive reviews out of 787 Most users report integrations enable seamless setup with e-commerce, accounting, and website platforms, boosting sales. Nedim M Digital Marketing Manager, 2 - 10 employees. "Easy to integrate and works nicely with websites, making it accessible for businesses of all sizes." Inconsistent fraud prevention process 70% negative reviews out of 189 Most reviewers describe fraud prevention as unreliable, with frequent account holds, unclear policies, and poor merchant support. Frank I Owner, 2 - 10 employees. "We were dealing with fraudulent credit card disputes for almost $50K in charges and they did not help at all." Developer-friendly API resources 90% positive reviews out of 221 Most users comment API and documentation offer clear guides, easy customization, and broad language support for integration. Jason M Graphic Designer, 1 employee. "It offers a rich set of features, powerful APIs, and excellent documentation, making it a strong option for businesses of all sizes" Challenging chargeback management 60% negative reviews out of 115 Most users comment chargebacks result in high fees, difficult dispute resolution, and financial risk for merchants. Viola N Billing, 2 - 10 employees. "This charges us twice when the customer is only charged once causing a loss on our end." Robust payment security measures 91% positive reviews out of 174 Most reviewers indicate security and access control provide strong data protection, encryption, and customer transaction safety. Rosalina M Executive Assistant/Freelancer, 2 - 10 employees. "Security: Stripe offers an elevated degree of safety, including PCI consistence and encryption of delicate information." Restricted international accessibility 71% negative reviews out of 65 Most users report country availability limits Stripe’s use, causing issues for businesses in unsupported regions. ## Stripe's interface The dashboard offers visibility into balances and recent transactions, which users find helpful for daily monitoring. However, reviews indicate that deeper tasks like customizing reports or locating historical data can feel cumbersome, with navigation requiring extra effort. David Jani Expect efficiency for routine payment tracking, but anticipate extra effort when managing disputes or setting up granular reporting. You’ll find that while the interface is clean, its layered menus can make advanced workflows less straightforward, so allocating time for training or documentation pays off. Ease of Use 4.5 (3,313) 4.5 Based on 3,313 reviews ## Key features View by: These features have been rated as most important by users based on their reviews. View by: Get Advice We can help you find the software with the features you need. David Jani Stripe’s top-rated capabilities streamline the path from checkout to cash, improving control over reconciliation and reducing context switching. Multi-method acceptance and searchable histories help keep collections predictable and audits on schedule. Features 4.5 (3,304) 4.5 Based on 3,304 reviews The Stripe features below were rated the highest by reviewers. Our commentary reflects aggregated sentiment and consistent benefits described in user feedback, based on collective insights from reviews. Transaction history 4.5 (54) 54 reviewers rated this feature Stripe can centralize past transactions with clear line‑item detail, filters, and exports, enabling faster audits, subscription reconciliation, and trend checks without switching views; the organized layout supports quick drill‑downs during finance reviews and month‑end close. Online payments 4.5 (745) 745 reviewers rated this feature It facilitates secure web and mobile checkouts across major cards and methods, with quick authorization and real‑time confirmations that shorten collection cycles, support recurring billing, simplify refunds, and reduce manual follow‑up for both subscriptions and one‑off purchases. Debit/credit card processing 4.4 (661) 661 reviewers rated this feature Stripe can securely process debit and credit payments, including Apple Pay and Google Pay, as well as card carriers Visa, MasterCard, Maestro, and American Express. It also integrates with websites or CRMs to automate recurring charges and receipts, helping teams standardize collection across markets and channels. Payment processing 4.4 (710) 710 reviewers rated this feature Users can coordinate card and alternative tenders across currencies with real‑time handling, recurring billing, and transaction tracking. This gives operators consistent settlement visibility while keeping integration steps practical for web apps and SaaS billing. Electronic payments 4.3 (318) 318 reviewers rated this feature Stripe users can administer ACH, partial payments, and multiple methods for collecting fees, subscriptions, and donations, with easy-to-implement, fast processing, and security controls that help simplify online revenue capture and automate follow‑up tasks in connected systems. Sigma SQL analytics 0 reviewers rated this feature Enables teams to query Stripe data using SQL or natural language, build custom reports, and schedule automated delivery, helping finance and operations teams monitor revenue trends and reconcile transactions without exporting data manually. Identity verification 0 reviewers rated this feature Provides document and selfie checks to confirm user identities globally, reducing fraud risk and supporting compliance workflows for onboarding or high-value transactions, all through API-driven processes that integrate into existing systems. Data pipeline 0 reviewers rated this feature Streams complete Stripe data to warehouses like Snowflake or Redshift and cloud storage, allowing centralized analytics, faster financial close, and deeper performance insights without manual extraction or third-party connectors. Radar rules engine 0 reviewers rated this feature Lets businesses create and test custom fraud rules using hundreds of attributes, backtest them before deployment, and monitor performance, giving teams granular control over risk management strategies. AI rule assistant 0 reviewers rated this feature Converts natural language instructions into executable fraud rules, accelerating configuration and reducing dependency on technical resources while maintaining precision in fraud prevention logic. Stripe Orchestration 0 reviewers rated this feature Centralizes multiple payment processors under one dashboard, giving businesses redundancy and control over routing logic to improve uptime and optimize transaction costs. (Released 2025) Managed Payments 0 reviewers rated this feature Acts as merchant of record, handling tax compliance, fraud, disputes, and customer support, reducing operational overhead for businesses scaling globally. (Released 2025) AI-powered checkout personalization 0 reviewers rated this feature Uses 100+ real-time signals to dynamically adjust payment methods and fields, improving conversion rates and reducing friction during checkout. (Released 2025) Stripe Scripts and Workflows 0 reviewers rated this feature Enables conditional logic and multistep flows across Stripe products, automating billing adjustments and operational tasks without custom code. (Released 2025) All key features (54) Integrate with a third-party accounting system 76.19% of 21 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) 44.57% of 175 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities 46.43% of 28 reviewers that rated this feature as important or highly important Converts natural language instructions into executable fraud rules, accelerating configuration and reducing dependency on technical resources while maintaining precision in fraud prevention logic. 0 reviewers rated this feature Uses 100+ real-time signals to dynamically adjust payment methods and fields, improving conversion rates and reducing friction during checkout. (Released 2025) 0 reviewers rated this feature Application programming interface that allows for integration with other systems/databases 85.71% of 28 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers 57.40% of 385 reviewers that rated this feature as important or highly important Track and manage adherence to policies for any service, product, process, or supplier 60.00% of 20 reviewers that rated this feature as important or highly important Financial system that helps create and manage physical/digital credit cards and track transaction activities 0% of 0 reviewers... Accept and process credit card transactions 63.16% of 133 reviewers that rated this feature as important or highly important Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system 66.67% of 3 reviewers that rated this feature as important or highly important Accept and process cryptocurrency transactions such as Bitcoin 20.00% of 70 reviewers that rated this feature as important or highly important Assembly of graphs and charts for visualizing and tracking statistics/metrics 0% of 0 reviewers... Streams complete Stripe data to warehouses like Snowflake or Redshift and cloud storage, allowing centralized analytics, faster financial close, and deeper performance insights without manual extraction or third-party connectors. 0 reviewers rated this feature Stripe offers robust data security, using encryption, PCI certification, and two-factor authentication. Reviewers appreciate the peace of mind, noting Stripe keeps customer and business information safe, prevents breaches, and handles sensitive data without extra effort. 62.25% of 649 reviewers that rated this feature as important or highly important With Stripe, you can accept a wide range of debit and credit cards globally, ensuring fast, secure, and reliable transactions. Reviewers appreciate the seamless experience, broad card support (including Apple Pay and Google Pay), and easy integration with websites and CRMs. 63.14% of 738 reviewers that rated this feature as important or highly important Stripe can securely process debit and credit payments, including Apple Pay and Google Pay, as well as card carriers Visa, MasterCard, Maestro, and American Express. It also integrates with websites or CRMs to automate recurring charges and receipts, helping teams standardize collection across markets and channels. 661 reviewers rated this feature Electronically collect payments for goods or services 55.38% of 325 reviewers that rated this feature as important or highly important Stripe users can administer ACH, partial payments, and multiple methods for collecting fees, subscriptions, and donations, with easy-to-implement, fast processing, and security controls that help simplify online revenue capture and automate follow‑up tasks in connected systems. 318 reviewers rated this feature Generate reports to assess the financial performance of an organization 0% of 0 reviewers... Identify and prevent suspicious activity 50.00% of 18 reviewers that rated this feature as important or highly important Provides document and selfie checks to confirm user identities globally, reducing fraud risk and supporting compliance workflows for onboarding or high-value transactions, all through API-driven processes that integrate into existing systems. 0 reviewers rated this feature Transactions that typically involve face-to-face interactions between the payer and the payee 31.82% of 22 reviewers that rated this feature as important or highly important Captures invoice data and maintains comprehensive records for auditing and reporting purposes 85.71% of 7 reviewers that rated this feature as important or highly important Acts as merchant of record, handling tax compliance, fraud, disputes, and customer support, reducing operational overhead for businesses scaling globally. (Released 2025) 0 reviewers rated this feature Access software remotely via mobile devices 55.56% of 72 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices 52.70% of 463 reviewers that rated this feature as important or highly important Manage and handle various international currencies 47.42% of 213 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application 69.23% of 13 reviewers that rated this feature as important or highly important Stripe gives you a simple way to accept online payments from anywhere, supporting multiple payment methods and currencies. Users think the platform is reliable, integrates smoothly with websites, and offers a secure, convenient checkout for customers and businesses. 62.27% of 819 reviewers that rated this feature as important or highly important It facilitates secure web and mobile checkouts across major cards and methods, with quick authorization and real‑time confirmations that shorten collection cycles, support recurring billing, simplify refunds, and reduce manual follow‑up for both subscriptions and one‑off purchases. 745 reviewers rated this feature Allow customers to make a partial payment on an invoice and track remaining debt 47.06% of 17 reviewers that rated this feature as important or highly important With this capability, Stripe provides multi-layered fraud detection, real-time alerts, and customizable rules. Some reviewers find the tools effective and confidence-boosting, though a few mention false positives and challenges disputing chargebacks. 60.17% of 595 reviewers that rated this feature as important or highly important Send clickable links via text or email to collect payments from customers 94.95% of 99 reviewers that rated this feature as important or highly important It helps you process payments efficiently, offering flexible options like wallets and buy-now-pay-later. Reviewers indicate Stripe is easy to set up, integrates with many platforms, and reliably handles payments with transparent fees and real-time notifications. 57.32% of 710 reviewers that rated this feature as important or highly important Users can coordinate card and alternative tenders across currencies with real‑time handling, recurring billing, and transaction tracking. This gives operators consistent settlement visibility while keeping integration steps practical for web apps and SaaS billing. 710 reviewers rated this feature Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) 66.85% of 178 reviewers that rated this feature as important or highly important Accept and process customer payments for products or services using hardware and software 62.90% of 62 reviewers that rated this feature as important or highly important Lets businesses create and test custom fraud rules using hundreds of attributes, backtest them before deployment, and monitor performance, giving teams granular control over risk management strategies. 0 reviewers rated this feature Upload, track, and submit receipts in a central database 50.00% of 8 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service 47.18% of 142 reviewers that rated this feature as important or highly important Timed notification for any upcoming task, deadline, appointment, or activity 0.00% of 1 reviewers that rated this feature as important or highly important Collection, analysis, and representation of numerical data and generation of reports to understand various patterns 33.33% of 6 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data 54.35% of 184 reviewers that rated this feature as important or highly important Reports specific to sales analysis for trends and strategies 78.26% of 23 reviewers that rated this feature as important or highly important Online portal through which end users can access the system, manage tasks, or obtain information 91.67% of 12 reviewers that rated this feature as important or highly important Enables teams to query Stripe data using SQL or natural language, build custom reports, and schedule automated delivery, helping finance and operations teams monitor revenue trends and reconcile transactions without exporting data manually. 0 reviewers rated this feature Centralizes multiple payment processors under one dashboard, giving businesses redundancy and control over routing logic to improve uptime and optimize transaction costs. (Released 2025) 0 reviewers rated this feature Enables conditional logic and multistep flows across Stripe products, automating billing adjustments and operational tasks without custom code. (Released 2025) 0 reviewers rated this feature Set up connections to third-party platforms to improve business processes 47.37% of 19 reviewers that rated this feature as important or highly important Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period 55.74% of 61 reviewers that rated this feature as important or highly important Stripe can centralize past transactions with clear line‑item detail, filters, and exports, enabling faster audits, subscription reconciliation, and trend checks without switching views; the organized layout supports quick drill‑downs during finance reviews and month‑end close. 54 reviewers rated this feature Manage, record and track all business exchanges in form of money and its related interactions in the system 58.82% of 34 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities 65.00% of 100 reviewers that rated this feature as important or highly important Get Advice We can help you find the software with the features you need. David Jani Stripe’s top-rated capabilities streamline the path from checkout to cash, improving control over reconciliation and reducing context switching. Multi-method acceptance and searchable histories help keep collections predictable and audits on schedule. Features 4.5 (3,304) 4.5 Based on 3,304 reviews ## Pricing Stripe uses a pay-as-you-go model for its core payment platform, charging 2.9% + $0.30 per transaction. This does not include charges for additional add-ons such as its more advanced automation and security features. There are also custom pricing options designed for companies with higher billing volumes or distinct business setups. ### Starting price Contact vendor for pricing Free trial not available [View all Pricing Plans](https://www.capterra.com/p/123889/Stripe/pricing/) David Jani Senior Content Analyst Stripe’s pricing favors variable costs can benefit low-volume businesses, but recurring billing or advanced fraud tools quickly push costs beyond typical SMB budgets. Value for money 4.4 (2,517) 4.4 Based on 2,517 reviews ## Integrations Stripe connects across eCommerce storefronts, website builders and CMS, accounting tools, and digital wallets, delivered through a mix of native payment methods and third‑party apps to centralize payments, reporting, reconciliation, and SMB workflows. Popular integrations [ PayPal](https://www.capterra.com/p/207944/PayPal/)[ Slack](https://www.capterra.com/p/135003/Slack/)[ WordPress](https://www.capterra.com/p/131687/WordPress/)[ Wix](https://www.capterra.com/p/169007/Wix/)[ Docusign](https://www.capterra.com/p/121506/Docusign/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) David Jani Senior Content Analyst Linking Stripe with your storefront, site builder, and accounting tools speeds up quote-to-cash, gives your finance team cleaner reconciliations, and helps your small sales team avoid duplicate entry so they can focus on closing deals. Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.2 (2268) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.2 (2,268) 4.2 Based on 2,268 reviews ## User reviews Overall rating 4.6 Based on 3,324 reviews Filter by rating 5(2446) 4(639) 3(117) 2(26) 1(96) Mentioned topic Sorted by most recent MF Mike F. Manager Food & Beverages ### "Master Reviewer" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 April 20, 2026 My overall experience with Stripe has been phenomenal and would definitely recommend it for others to use. Pros What I like most about stripe is that it handles subscriptions and recurring billing, as well as managing invoicing. Cons What I like least about Stripe is that they charge fees per transaction that can add up over a long period of time. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Owner Accounting ### "“Simple, Reliable, and Business-Friendly Payment Solution”" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 2/10 April 18, 2026 My overall experience with Stripe has been great. It’s a reliable and easy-to-use platform that makes accepting payments simple and smooth. The dashboard is clean and well-organized, so it’s easy to track sales, payouts, and customer activity. Pros What I liked most about Stripe is how easy it makes accepting payments. The setup is straightforward, and the dashboard is clean and simple to navigate, which makes managing transactions, payouts, and customer info stress-free. Cons One of the things I liked least about Stripe is that some of its features can feel a bit technical, especially when it comes to setup, integrations, or customizing the checkout process. If you’re not familiar with backend tools or coding, it can take extra time to figure things out. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Owner Fabricator Automotive ### "Most versatile payment processing solution. " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 16, 2026 Overall, this tool has been a saving grace for credit card processing. Without Stripe's efficient system, I would be losing money! Pros Hands down the best card payment solution in existence. Processing credit card payments through Stripe is so simple. It is incredibly easy to use and has a whole heap of information available from customer support. Their engineering teams are always resolving bugs and issues...and quickly! Cons It is a powerful tool and can be a little cumbersome integrating into some solutions. Their APIs are very well engineered, but can be overwhelming to some. Thankfully their customer support is there to assist! Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. maisie c. Owner Veterinary ### "Very easy to use, but complicated to receive funds" 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 1.0 1.0 Likelihood to Recommend 3/10 April 16, 2026 overall, I left Stripe services to go to something simpler in a little bit more credible for my clients. I also left to ensure the proper timeframe for receiving my funds, since customer service never had a direct answer from our first deposit when they would come. Pros I liked the simplicity of setting up, the ease of verification of our business, and the availability to immediately begin services Cons I did not like the long timeframe that was required to receive our first set of funds, and it was not fully disclosed when making transactions which placed my family and myself in a rough spot for a moment Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Square also had a poor customer service who never really knew the direct answers to any of my questions Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SP Stephanie P. American accent coach E-Learning ### "Solid Payment Processor" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 7/10 April 16, 2026 It does what I need it to do, and I like that I can accept various payment methods and allow customers to pay in their local currency. Pros Despite being a fairly complex product, it was pretty easy to set Stripe up in my small business. I like that it can be as simple or complex as you need it to be, depending on business needs. Cons Because I don't need to log into the platform very often, it can be confusing to find my way around again each time as some functionalities aren't located where I would expect them to be based on UI layout. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. EG Emily G. Bookkeeper Accounting ### "Payment software with a price" 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 6/10 April 16, 2026 Really like Stripe. It's very easy to set up and let it run, however there are a couple issues that as long as you use it how they want it to, it's fine. It doesn't feel as seamless as some of the other types of this software Pros Stripe is really easy to use and set up, as well as the ability to have it integrate into different aspects of your business. I like the ability to set up a Stripe feed in Xero or to create invoices so that when payments come in it will automatically mark the payment to the invoice Cons I haven't found a simple way to get invoices created in Stripe into Xero without manually creating every one. There are also slightly hidden fees like 'automatic taxes' which took about 10 minutes to figure out what it was for and then subsequently turn off that 'feature' Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SG Shea G. Counselor Health, Wellness and Fitness ### "Great resource for healthcare providers in solo private practice" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 14, 2026 Overall, I've had an excellent experience using Stripe to process private pay patient payments. They provide a seamless service for both patients and providers. I can't recommend them enough! Pros Stripe provides a way for me, as a therapist in solo private practice, to take credit card payments in a secure environment. They link with CarePatron, another excellent software, which allows me to manage all self-pay patient in one easy to use platform. I've never experienced bugs and issues with Stripe in over a year of consistent use so haven't needed to contact their customer support, but their site makes it obvious and easy to do so if needed. They provide excellent value for the money and allow for customization to boot! 10/10, would recommend. Cons I can't think of anything I dislike about using Stripe. It is rare a software runs so seamlessly. It would be easy to forget I use Stripe because it works so well, I don't even have to think about it. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Ashish T. Owner Marketing and Advertising ### "Funds Held for Over 1 Year Without Resolution" 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 5.0 5.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 April 14, 2026 My experience has been disappointing. While the platform works well initially, the risk management and compliance process can result in sudden account closures and prolonged fund holds. My account was closed on Feb 28, 2025, and even after more than a year, my available balance has not been released. Despite multiple follow-ups, including escalations, there has been no resolution. I would advise businesses to carefully consider these risks. Pros Stripe has a clean interface and is relatively easy to set up. The platform integrates well with various tools and provides a smooth payment experience while the account is active. Cons Account closures and fund holds are a major concern. In my case, Stripe held my balance of $3,425.80 for over 1 year after account closure, despite no chargebacks or disputes. Communication from support was limited, and no clear justification was provided for withholding funds beyond the standard reserve period. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. BN Bill N. Senior Financial Accountant Computer Software ### "Stripe Review - SafetyCulture" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 13, 2026 Stripe is easy to use, reliable, and integrates seamlessly with other software products (in our case Zuora), making payment processing simple and efficient. Further, Stripe reporting allows us to reconcile our credit card payments with ease. Pros Stripe makes it easy to set up and start taking payments, especially for our self service customers. Also, it has a clean and friendly dashboard, good reporting functionality and ability to set up sites across different currencies. Cons Stripe fees and network costs can add up making it expensive. Additionally the chargeback process can be a bit frustrating as not much information is provided. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Stripe Stripe is easier to set up, pull reports and has a more interactive UI Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MH Matthew H. Tutor Education Management ### "Reliable payment processing with strong invoicing features, but slightly slow payouts" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 April 11, 2026 Overall, Stripe has been a reliable and professional payment solution for my business. It handles card payments smoothly and makes it easy to send invoices and payment links to clients. The ability to customise invoices with branding is a strong advantage and helps maintain a professional appearance. The main drawback is the delay in receiving funds, which can take up to three business days, which is slightly slower than ideal for day-to-day cash flow. However, the system is stable, secure, and generally very easy to use once set up. Pros •Very easy to create and send payment links •Competitive transaction fees •Highly customisable invoices, including the ability to add branding and logos •Smooth and reliable card payment processing •Clear and functional user interface Cons •Payouts can take around three business days, which feels a bit slow for cash flow •Some features can take time to fully understand for new users •Occasional complexity in navigating the broader dashboard Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/123889/Stripe/reviews/) ## FAQs Stripe is widely regarded as trustworthy. It holds PCI DSS compliance, uses encryption for sensitive data, and offers advanced fraud detection. On Capterra, Stripe scores 4.6 out of 5 from over 3,000 verified reviews, reflecting strong user confidence in its security and reliability. Stripe’s drawbacks include higher fees for some transactions, strict fraud detection that may flag legitimate payments, and occasional support delays. Users also report complexity in handling refunds and account verification, which can slow operations for high-volume businesses. Yes. Stripe requests SSN details to comply with financial regulations for identity verification. The platform encrypts sensitive data and applies strict security measures. No. Stripe uses a pay-as-you-go model with no monthly subscription for core payments. Standard pricing is 2.9% plus $0.30 per successful card transaction. Additional fees apply for international cards, currency conversion, or premium services like advanced fraud tools and billing automation. Stripe typically processes payouts within two to three business days for U.S. accounts. Timing can vary by country, bank, and account history. Instant payout options are available for an extra fee, allowing businesses to access funds faster when cash flow needs are urgent. Stripe suits small businesses, eCommerce companies, and service providers that need flexible online payment processing. It’s also popular among software vendors and subscription-based businesses due to its API-driven setup, recurring billing options, and ability to support multiple payment methods globally. Stripe charges 2.9% plus $0.30 per successful domestic card transaction. Additional fees apply for international cards and currency conversion. ACH direct debit costs 0.8% per transaction, capped at $5. Premium features like Billing or Radar for Fraud Teams have separate pricing tiers. Yes. Stripe earns a 4.6 out of 5 rating on Capterra, with strong feedback for payment processing reliability and integration flexibility. Its developer-friendly tools and global reach make it a solid option for businesses prioritizing online transactions and recurring billing capabilities. ### Have more questions? Connect with one of our advisors for a free consultation and save time in your software search. ## Sources 1. **Capterra reviews data:** Capterra reviews are collected from verified users for individual software products. [Learn more about how we source our data](https://www.capterra.com/resources/proprietary-data-research/). 2. **Capterra Shortlist:** Capterra Shortlist identifies the top products in our software categories based on a proprietary blend of user ratings and popularity. [Read the complete methodology here](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology). 3. This product information came from Stripe’s own online content in September 2025, including the product's website and its social media channels. ## Related reading ### [5 Key Payment Processing Software Features and Top Products That Offer Them](https://www.capterra.com/resources/key-payment-processing-software-features/) Published September 4, 2024 by [Shephalii Kapoor](https://www.capterra.com/resources/author/skapoor/) and [Carolyn Santa Maria](https://www.capterra.com/resources/author/carolyn-santa-maria/) ### [5 Key Features of Billing and Invoicing Software and Top Products That Offer Them](https://www.capterra.com/resources/key-features-of-billing-and-invoicing-software/) Published April 11, 2024 by [Barkha Bali](https://www.capterra.com/resources/author/bbali/) ### [Capterra's 2025 Tech Trends Report: How Successful Buyers Find, Evaluate, and Purchase Software](https://www.capterra.com/resources/tech-trends-successful-buyer-purchase-journey/) Published November 18, 2024 by [Brian Westfall](https://www.capterra.com/resources/author/bwestfall/) and [Carolyn Santa Maria](https://www.capterra.com/resources/author/carolyn-santa-maria/) ### [Tech Trends 2025: How Businesses in Finance Can Turn to Technology to Fuel Their Growth](https://www.capterra.com/resources/tech-trends-business-software-buying/) Published January 29, 2025 by [Eduardo Garcia](https://www.capterra.com/resources/author/eduardo-garcia/) and [Kathryn Todd](https://www.capterra.com/resources/author/kathryn-todd/) ### [5 Emerging IT Trends Researchers Predict To Boom By 2028](https://www.capterra.com/resources/it-trends/) Published January 18, 2024 by [Bhavya Aggarwal](https://www.capterra.com/resources/author/bhavya-aggarwal/) Popular comparisons [PayPal vs Stripe](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal)[Venmo vs Stripe](https://www.capterra.com/compare/123889-222572/Stripe-vs-Venmo-)[Square Payments vs Stripe](https://www.capterra.com/compare/123889-170278/Stripe-vs-Square-Payments-Processing)[Square Point of Sale vs Stripe](https://www.capterra.com/compare/123889-275802/Stripe-vs-Square-Point-of-Sale)[Stax vs Stripe](https://www.capterra.com/compare/123889-157492/Stripe-vs-Fattmerchant-Payments-Online)[Google Pay vs Stripe](https://www.capterra.com/compare/123889-212826/Stripe-vs-Google-Pay) [HoneyBook vs Stripe](https://www.capterra.com/compare/123889-162588/Stripe-vs-HoneyBook)[PaySimple vs Stripe](https://www.capterra.com/compare/123889-146664/Stripe-vs-PaySimple)[Clover vs Stripe](https://www.capterra.com/compare/123889-226864/Stripe-vs-Clover)[Wave vs Stripe](https://www.capterra.com/compare/123889-178021/Stripe-vs-Wave-Apps)[Nomod vs Stripe](https://www.capterra.com/compare/123889-176749/Stripe-vs-Nomod)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. 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