# Stripe Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Stripe the right Payment Processing solution for you? Explore 3346 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/123889/Stripe/reviews --- Stripe 4.6 (3346) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated April 22nd, 2026 # Reviews of Stripe Ease of use 4.5 Customer Service 4.2 ## Pros and Cons in Reviews Extensive integration ecosystem 91% positive reviews out of 798 Most reviewers indicate integrations are seamless, supporting diverse platforms and simplifying business operations across websites and apps. 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 processes 70% negative reviews out of 193 Most users report fraud prevention is unreliable, with frequent fund holds, automated disputes, and unclear communication from support. Juan L Owner , 2 - 10 employees. "No seller protection and horrible customer service when trying to work on a fraudulent dispute charge." Comprehensive payment security features 91% positive reviews out of 177 Most reviewers describe security and access control as robust, offering encryption, compliance, and reliable safeguards for transactions. Kaleena L Sr. Communications Consultant, 10,001+ employees. "It supports various ways to pay for goods or services and its encrypted system is trustworthy and reliable." Challenging chargeback handling 61% negative reviews out of 118 Most reviewers describe chargebacks as costly and difficult to resolve, with unclear processes and high fees impacting merchants. Viola N Billing, 2 - 10 employees. "This charges us twice when the customer is only charged once causing a loss on our end." Flexible donation management tools 90% positive reviews out of 63 Most users report donations are easy to process, with options for recurring gifts, nonprofit discounts, and secure tracking. Aaron W Vice President, 2 - 10 employees. "Stripe directly integrates with all of our fundraising systems, making it easy to accept credit cards for donations, merch, or any other revenue stream." Restricted international accessibility 71% negative reviews out of 65 Most reviewers find country availability limited, preventing businesses in many regions from using Stripe and causing operational challenges. ## Showing most helpful reviews Showing 1-25 of 3346 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Kaleb V. Founder and Managing Member Management Consulting Used the software for: Less than 6 months ### "A Convenient, Centralized Hub for AR" May 23, 2026 4.0 Pros Having our invoicing and accounts receivable in a single dashboard was helpful to a team that spans several time zones and has lots of moving pieces with various clients needing different billing cycles. Cons Stripe's percentage is quite high on the larger-ticket billing. We paid several hundred dollars with our initial client payments, and there are more cost-efficient ways to bill one-off customers. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/)[Venmo](https://www.capterra.com/p/222572/Venmo-/) Reason for choosing Stripe We needed a bit more administrative oversight and accounting transparency for records and client management. Stripe delivered that. Switched from [Wave](https://www.capterra.com/p/178021/Wave-Apps/) Wave generates invoices easily, but doesn't have an automated or secure way to pay them like we needed. Review Source LS Louis S. CTO Real Estate Used the software for: 2+ years ### "A reliable, developer-friendly payment solution that scales with your business" May 22, 2026 5.0 verall, Stripe is one of the most powerful and reliable payment processing platforms on the market. It strikes a great balance between ease of use for non-technical users and flexibility for developers. Despite the fee structure and occasional support delays, the platform's reliability, feature set, and global reach make it an excellent choice for businesses of all sizes. I would definitely recommend Stripe to any company looking for a modern, scalable payment solution. Pros Stripe has been a game-changer for our business. The setup process was incredibly smooth — we were able to start accepting payments within just a few hours. What I appreciate the most is the developer-friendly API and the extensive documentation, which makes integration straightforward, whether you're handling one-off payments, The wide range of supported payment methods (cards, SEPA, BANK transfers, etc.) Cons The transaction fees can be difficult to manage, especially for businesses with high volumes , connected Customer support is mostly handled via email or chat, and while the team is professional, response times can sometimes be slow for urgent issues. A more direct phone support option would be appreciated. Alternatives considered [Adyen](https://www.capterra.com/p/165680/Adyen/) Reason for choosing Stripe Developer-friendly API and documentation: Stripe's API is by far the most intuitive and well-documented on the market, which made integration significantly faster and smoother compared to competitors. Review Source Ashish T. Owner Marketing and Advertising Used the software for: 6-12 months ### "Funds Held for Over 1 Year Without Resolution" April 14, 2026 1.0 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 VR Verified Reviewer Owner Hospitality Used the software for: 2+ years ### "Reliable and Flexible Payment Processing with Stripe" March 17, 2026 5.0 Overall, Stripe has been a dependable payment processing system for our business. It handles credit card payments efficiently, offers useful reporting tools, and provides a secure way to process transactions. The platform is generally easy to use, runs smoothly with minimal bugs or issues, and gives businesses the flexibility to customize integrations as needed. It has been a strong solution for managing online and card payments. Pros Stripe provides a reliable and flexible platform for processing credit card and card payments. The system offers good value for the service provided and integrates easily with websites and online ordering platforms. The dashboard is easy to navigate, making it simple to track payments, review reports, and manage payouts. Stripe also allows for customization and integrations that make it adaptable to different business needs. Overall, it provides a smooth payment experience for both the business and the customer. Cons There are not many major downsides to the platform. Some reporting tools and advanced settings can take a little time to learn when first using the system, but once you become familiar with the dashboard it becomes much easier to navigate. Alternatives considered [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Reason for choosing Stripe I chose Stripe due to the ease of integration with my current website provider. Review Source VR Verified Reviewer COO Construction Used the software for: 2+ years ### "overall experience has been excellent" May 28, 2026 5.0 My overall experience has been excellent—everything has worked smoothly and exactly expected throughout! Pros Stripe makes accepting and managing payments feel simple while still offering powerful tools as a business grows. Cons Funds can be temporarily held for reviews, chargeback risk, or compliance checks, which can be frustrating for businesses that rely on regular cash flow. Switched from [STAX](https://www.capterra.com/p/177329/STAX/) Easy Salesforce integration and setup experience Review Source Konstantin P. CEO Construction Used the software for: Less than 6 months ### "Easy pay system " May 5, 2026 5.0 So far using it everyday. No problem. It is a good addition to our customer service system, where they can pay bills online. Pros It is pretty easy to set up for a first time. Not too expensive. Not sure about customer support, because it was really to set up at the first time. Card payments are really easy. Especially we love that our customers can tap their debit card or credit card on business phone and make a payment. No need to buy any POS systems from them. The app is fully customizable, you can choose what day and time to get money on your account. So far didn’t had any bugs or issues with the system, works great. Cons When first time I was trying to find information about how much does it cost it was hard. Also Really wanted to talk to real person for customer support or sales agent. Didn’t found their phone number. There is a bug sometimes when you using Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) much easier to use, and we can use it from our phone. Review Source BN Bill N. Senior Financial Accountant Computer Software Used the software for: 2+ years ### "Stripe Review - SafetyCulture" April 13, 2026 4.0 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/) Reason for choosing Stripe Stripe is easier to set up, pull reports and has a more interactive UI Review Source MS Mathew S. Dentist Owner Medical Practice Used the software for: 6-12 months ### "Stripe experience" May 26, 2026 4.0 Overall, Stripe has been convenient to use at my practice. It is integrated with my weave software so that feature is convenient. I also like the ability to see daily / weekly / monthly reports quickly. Pros Stripe has been easy to use and I really like the terminal functionality. It has tap to pay, swipe, or manual entry. It looks sleek as well. Also really like the text to pay option. The ability to automatically e-mail a patient a receipt is super helpful as well. Cons What I like least about Stripe is the credit card fees are a bit high especially for manual entry. Not as high for swiped card but still a bit pricey. Switched from [Dental Intelligence](https://www.capterra.com/p/185878/Dental-Intelligence/) I switched to Weave and Stripe was their integrated CC processor so I wanted it to be streamlined. Review Source Mailen G. Self-employed Financial Services Used the software for: 6-12 months ### "Easy and Reliable Payment Platform for Online Businesses" May 28, 2026 5.0 Overall, my experience with Stripe has been very positive. It is a reliable platform for processing card and online payments, and it integrates well with many websites and apps. The system feels secure, professional, and efficient for managing online business transactions. I would recommend Stripe to small businesses, freelancers, and online sellers looking for a trusted payment solution. Pros What I liked most about Stripe is how easy it is to use and set up. The platform makes accepting online payments simple, and the dashboard is very organized. I also like the fast payouts, mobile access, and the variety of payment options available for customers. Cons One thing I liked least is that customer support can sometimes take longer than expected to respond. Also, some features may feel a little complicated for beginners at first. Switched from [Venmo](https://www.capterra.com/p/222572/Venmo-/) I switched to Stripe because it is easier to use, more flexible, and better suited for my online business needs. Review Source maisie C. Owner Veterinary Used the software for: Less than 6 months ### "Very easy to use, but complicated to receive funds" April 16, 2026 3.0 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 jane F. Personal Lines Executive Insurance Used the software for: 1-2 years ### "Simple, Fast, and Secure Payments" March 12, 2026 5.0 Using Stripe has been fantastic. It makes online payments smooth, secure, and easy to manage, saving time and keeping everything organized without stress. Pros I love how Stripe makes online payments simple and seamless. It’s fast, secure, and easy to set up, which helps me manage transactions and keep everything organized without stress. Cons Sometimes the fees can add up depending on the transaction type, and certain features take a little time to learn, but overall Stripe is very reliable and user friendly. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I switched from PayPal and traditional manual payment methods. Stripe makes online payments, billing, and invoicing much faster, more secure, and easier to manage. Review Source Amber L. Owner Retail Used the software for: Less than 6 months ### "More features than expected but unimpressive In-person POS " September 30, 2025 4.0 Stripe has a lot of helpful features, but not all of them are for a business as small as mine. I needed to be able to accept payments at vendor shows and stripe isn't the best option for that. Pros What I like most is the incredible flexibility and developer-friendly nature. Stripe's APIs and customization options are really impressive, allowing me to provide an easy checkout experience for my customers. I also love their fraud detection tools and the ability to accept a huge variety of payment methods, which is great for expanding my reach Cons What I don't like is the transaction-based pricing. It's transparent with no monthly fees, but the percentage and per-transaction fees can add up, especially for a small business just starting out. I also wanted more in-person payment options. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Stripe I wanted to try something other than PayPal, but ended up going back because I wasn't going to be able to afford stripe. Review Source VR Verified Reviewer Vice President Non-Profit Organization Management Used the software for: 2+ years ### "Set It And Forget It Payment System" December 21, 2025 5.0 Almost never have we run into a bug, and more often than not, a message from Stripe is straight forward, with solid support, and works without any intervention after setup. Pros Stripe directly integrates with all of our fundraising systems, making it easy to accept credit cards for donations, merch, or any other revenue stream. The space is very competitive with few players, but Stripe has been the most seamless of the players out there. Cons Sometimes the system cannot integrate with a partner software, though this happens extremely rarely. The reporting also can be clunky at time and the fees can be a bit high, but not much different that other providers. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing Stripe The integrations were not nearly as robust on Square, which would have required us setting up multiple payment systems to handle different channels for our organziation. Review Source DR Dan R. Developer Entertainment Used the software for: 2+ years ### "Stripe works great, 10 years strong." November 11, 2025 5.0 Overall Stripe has been my go to API for handling payments for all my custom web development projects. I've been using them for 10 years now. Pros What I really like most about Stripe is the 100% free to setup and use API, the quality customer support, the ability to process basically any payment type, and their fees are fixed at about $0.30 + 2.9% overall for most payments scenarios. I am a developer, so after I started using the API I got a lot of custom value out of the flexibility. I haven't had any bugs or issues often, and when I did I could contact support and they were able to help me out. Very easy to use overall to handle credit card payments across the board. I am a fan.# Cons I don't like some of the fees being higher for handling multiple stripe managed accounts (for example when running a marketplace platform) Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Stripe The API of Stripe is build for developers, unlike PayPal which it was an after thought it seems. Review Source AS Alicia S. Principal Accountant Consumer Services Used the software for: 1-2 years ### "Great software for collecting payments!" March 19, 2026 5.0 Stripe has been great. We use this for conference registrations. We host 4 conferences a year so this has become instrumental in collecting payments timely. The online platform is also super easy to use. Pros The ease in which you can receive and auto transfer payments to your bank account. It's also super easy to provide receipts and refunds and the reporting is fantastic. I also love that we can create unique Stripe payment links and send them via email for customers to pay. Cons I wish Stripe would show a little bit more detail for each transaction in the reports, but really not much to complain about as that might be an issue on our end. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) This was an antiquated software and was difficult to run reports and collect in-person payments. Review Source SR Sandra R. Owner Real Estate Used the software for: 2+ years ### "Small Business using Strip" February 10, 2026 4.0 I overall like using Stripe, they are one the leader in their field. I will definitely recommend them for small business. Pros Stripe is very easy to use, the dashboard is friendly. Their overall costs are good. The customer support is easy to deal with. Cons They are not custom built and not really made for my short term rental business. The foreign fees were a bite too high. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Stripe Easy to use and recommended by my property management software Review Source Jayme V. Owner Information Technology and Services Used the software for: 6-12 months ### "Definitely Beats others!" March 31, 2026 4.0 Stripe has made it possible for me to launch and test multiple digital products without needing a complicated financial setup or a full development team. As someone building structured tools like Identity Architect frameworks, digital reports, and downloadable software, I needed a payment system that felt professional but didn’t slow down execution. Stripe strikes that balance extremely well. The biggest advantage is how quickly you can go from idea to checkout. Payment links, hosted checkout pages, and simple product setup allow you to start selling almost immediately. For founders working on early-stage products or iterating quickly, that speed matters more than anything. I was able to validate demand and capture real customers without getting stuck in technical complexity. Stripe also grows with you. What starts as a simple payment link can later become subscriptions, gated digital downloads, or fully integrated checkout flows. This flexibility is especially helpful when products evolve over time, which they inevitably do. Having everything in one ecosystem reduces friction and avoids the need to constantly switch tools as your business matures. The dashboard is clean and intuitive, making it easy to track payments, refunds, and customer activity without feeling overwhelmed. Even when using more advanced features like invoicing or product variations, the interface stays relatively straightforward. Compared to many financial tools, Stripe feels designed for builders rather than accountants. Another strong point is how easily Stripe fits into a broader digital workflow. It integrates smoothly with website builders, email platforms, and automation tools, making it practical for founders creating structured online offerings rather than physical retail. Customer support can occasionally take time depending on the issue, and some deeper customization features may require technical guidance if you want to build something very complex. However, for most founders launching digital products or services, the core functionality is accessible and reliable without needing extensive development resources. Overall, Stripe removes a major barrier to entry for entrepreneurs who want to move quickly and present a polished, trustworthy checkout experience. It supports experimentation while still providing infrastructure strong enough to scale. Pros Very easy to start accepting payments quickly •Clean, intuitive dashboard •Works well for digital products, frameworks, and online services •Flexible as offerings evolve (one-time, subscription, gated access) •Professional checkout experience builds trust •Integrates well with modern website and email tools Cons Support response times can vary •Some advanced customization may require technical setup •Fees are standard but noticeable at higher volume Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing Stripe Better features, less resistance in general Review Source MK Maksim K. Manager Information Technology and Services Used the software for: 2+ years ### "Stripe worked fine and did not crash my ERP" March 11, 2026 5.0 I know that previously we would receive checks in the mail (which were usually late or missing), but now the QR codes simply work. I am writing this from a pile of Pizza Boxes because my desk is a disaster and I just want to go home, but Stripe allowed me to avoid entering the same data into SAP for 5 hours. Also, it does flag fraudulent activity which is great during the holiday season. Receivable Turnover is faster. Pros I was really impressed that there has been no failure of the integration. It works pretty well and accepts ACH and credit cards with minimal configuration and the funds are deposited every day. So far, that has been a relief. The support have also been surprisingly responsive to issues that we encounter and the customer portal allows customers to make payments without having to leave the payment page, which is nice, although it isn’t anything revolutionary. Cons Unfortunately, the Remittance Emails are garbage because they don’t indicate which deposits are included in the email so I have to guess. We had to turn off the Auto-Imports because it duplicated all of the entries in the ledger and that was an absolute nightmare to manually remove. The syncing between the website and the module can be very inflexible at times, which is frustrating. Review Source JP Julien P. Teacher Education Management Used the software for: Less than 6 months ### "So far so good!" September 4, 2025 4.0 I needed something fast and reliable with different payment methods so that I could offer more payment possibilities to my students and Stripe has just done that. The fact that it is such a famous and reliable online payment platform is definitely a plus as it meant I could connect my booking system to it quickly and securely. The less tools, accounts, and plugins I have to use for my business, the better. Pros It's working! No issues so far. It's doing what it is supposed to be doing. On top of that the fees for EU are descent enough (especially when customers are using Revolut Pay). I have very much liked using the Test mode at first (especially before receiving your first payment) to make sure everything was working as it should (peace of mind). Even though I am not an expert, creating products and payment links was pretty straight forward and easy. PLUS, I now have a system that sends receipts automatically for me... saving me so much time that I can now put into creating content, marketing, etc. Cons I wish there was a way to create folders for products and link payments instead of having a long list to scroll through. It would be more pleasing to the eyes and definitely a nicer way to keep everything organised. I wish there was a way to bulk edit some of the features of payments links. For instance, I have created several payment link for different products but I want my After Payment custom message to be the same, so I have to go in each one of them to customise the message one after the other. It did take a while to get my first payments to land in my account... but to be honest, it's not a huge drawback (must be needed I guess to help against fraudsters). Review Source VR Verified Reviewer Professional housing consultant Real Estate Used the software for: 6-12 months ### "Solid option with tap to pay " January 5, 2026 3.0 Stripe provides a decent amount of features and ways to accept payments for your business. The eye catching feature for me was the ability to use a nfc capable smartphone to take payments with tap to pay instead of having to use a stripe terminal. Pros The setup process was quick and easy with only a few questions about your business and how stripe can tailor its services to your business type. Cons Navigating around can take a bit to understand. There are alot of different tabs to explore but once you become familiar with the layout its a breeze. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing Stripe Colleague recommended Stripe over Square Review Source Craig B. Managing director Entertainment Used the software for: 2+ years ### "Additional payment methods for clients" October 30, 2025 5.0 Easy to set up and works in the background payments are transferred to our bank and show up in our accounting software automatically Pros We like how we can intergrate stripe with our accounting software allowing clients to pay by debit card or credit card direct from their invoice. There is a small processing fee but we feel this is worth it as it gives clients more payment options and encourages them to pay immediately. We have also used stripe when selling merchandise online. We had no issues setting this up and have had no bugs. Cons There are small processing fees which is expected. You have to way up the cost with the speed of payments. Review Source VR Verified Reviewer Accountant Accounting Used the software for: 2+ years ### "Stripe is great" January 26, 2026 5.0 Overall, I enjoy using Stripe. It is a very useful product making integrations and use simple and easy. It provides accurate and helpful information relevant to business and customer support was helpful as well. Pros Stripe is a very simple and easy to use software that makes integrations seamless and effortless, it was fairly straightforward to learn and navigate to use. Cons It is hard to think about what I don't like about Stripe, other than it could be a little more user friendly in the fact for labeling the tabs a little more clearly. Review Source Andrew M. CTO Financial Services Used the software for: 1-2 years ### "The #1 Financial payments platform" March 19, 2026 4.0 Pros Well designed, extensive documentation, reliable service at all times. It's a delight to build with most of the time. Cons The documentation can be overwhelming and you can struggle to find what you need at times or how different items link together. Review Source MR Meredith R. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Easy, intuitive billing with Stripe" April 21, 2026 5.0 Very good- would definitely recommend for health care billing purposes, especially if embedded in an EMR. Pros I use Stripe integrated into an EMR and it makes billing for patients extremely easy, including issuing refunds as necessary. Cons It took me a little while to figure out the invoice-billing process, which may be more on the EMR than Stripe. Review Source YB YURI B. hr Accounting Used the software for: 1-2 years ### "Stripe review" March 9, 2026 4.0 At the beginning I did like the Stripe system. But as time passed I was not happy with it. It was very dated system. Pros I have an online store and I did like Stripe for the most part. It was easy to use and set up on my online store. Cons I did not like how it deducted the monthly charge from the money coming in without letting you know it was doing it. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.