Stripe Payments, A Simple Review

So, you are considering Stripe Payments.

Se preguntará si es una buena opción para usted, si su conjunto de características se compara bien con otras opciones del mercado y si su precio es lo suficientemente asequible para lo que obtiene.

Este artículo le desglosará todo eso y mucho más. 

Plus, at the end of the article you’ll find links to alternatives to Stripe Payments as well as our top picks for the options in this category.

O bien, vaya directamente a Nuestra selección de los mejores Payment Processing Companies(Link it)

Sin más preámbulos, empecemos.

Stripe Payments Features

Stripe is a versatile payments platform tailored to meet the needs of modern businesses, providing an array of features to facilitate global transactions. Whether you’re processing payments online or in-person, Stripe offers comprehensive tools to optimize your payment operations and drive revenue growth.

Global Payments

With Stripe, accepting payments from around the world is a breeze. The platform supports multiple currencies and diverse payment methods, enabling businesses to reach international markets seamlessly. Stripe’s unified integration ensures smooth and efficient transaction processing, helping businesses expand their global footprint effortlessly.

Online Payments

Stripe’s online payment tools are designed to enhance your e-commerce experience:

  • Checkout: This customizable, pre-built payment form integrates effortlessly into your website, delivering a streamlined user experience.
  • Elements: Use these modular UI components to design bespoke payment forms that minimize user errors and maximize successful transactions.
  • Payment Links: Create full payment pages in just a few clicks, perfect for selling products, starting subscriptions, or accepting donations—no coding required.

In-Person Payments

For businesses that operate offline, Stripe Terminal offers a robust solution for in-person payments. With developer-friendly SDKs, you can create custom checkout experiences that integrate Stripe’s powerful payments platform into your physical transactions. From pre-certified card readers to cloud-based hardware management, Stripe Terminal bridges the gap between online and offline sales.

Fraud and Risk Management

Security is a top priority with Stripe Radar, a sophisticated fraud prevention system powered by machine learning. Radar’s adaptive algorithms detect and prevent fraudulent transactions, providing transparent risk scores and custom rules. Dynamic 3D Secure adds an extra layer of protection, minimizing fraud and chargebacks.

Subscription Management

Managing subscriptions is seamless with Stripe Billing. Whether you’re setting up flat-rate plans, tiered pricing, or usage-based subscriptions, Stripe’s flexible billing logic and automated retries for failed payments ensure smooth recurring revenue. The customer portal allows clients to manage their subscriptions easily, enhancing user satisfaction.


Stripe Invoicing simplifies the billing process with professional, customizable invoices. Send invoices that match your brand and accept payments via cards or bank transfers. This efficient invoicing system improves cash flow management and ensures timely payments from your customers.

Revenue and Finance Automation

Automate your financial operations with Stripe’s advanced tools. Revenue recognition, accounting support, and detailed financial reporting help streamline your processes, reduce manual work, and ensure compliance. These features improve financial accuracy and operational efficiency.

Mobile Payments

Accepting payments on mobile devices is straightforward with Stripe’s iOS and Android SDKs. These tools enable secure collection of card information and support popular payment methods like Apple Pay and Google Pay. The mobile customer interfaces ensure a smooth and consistent checkout experience across devices.

Payment Options

Stripe offers a wide range of payment options to cater to customer preferences. Accept major debit and credit cards, digital wallets like Alipay and Google Pay, bank debits and transfers, and buy now, pay later services. This flexibility enhances the checkout experience and boosts conversion rates.

Integration and Customization

Integrating Stripe with your existing systems is simple, thanks to its extensive range of pre-built plugins for platforms like WooCommerce, Magento, and Shopify. For more customized needs, Stripe’s powerful APIs allow businesses to build bespoke payment solutions, ensuring the platform can be tailored to specific requirements.

Stripe Payments is a dynamic and powerful platform that equips businesses with the tools needed to handle payments efficiently and securely.

With features ranging from global payment processing to advanced fraud prevention and subscription management, Stripe supports businesses in optimizing their payment operations and enhancing the customer experience.

Stripe Payments Pricing

Stripe offers a flexible and transparent pricing structure designed to cater to businesses of all sizes, from startups to large enterprises. With a pay-as-you-go model, Stripe charges 3.4% + $0.50 per successful domestic card transaction.

This rate applies uniformly to both credit and debit card payments, ensuring simplicity and predictability. For businesses processing large volumes or with unique needs, Stripe provides custom pricing packages that can include volume discounts, multi-product discounts, and country-specific rates.

For additional services, Stripe’s pricing includes specific fees:

  • Digital Wallets: 2.2% + $0.35 for services like Alipay and WeChat Pay.
  • Bank Redirects: Starting at 1.3% per successful transaction for options like PayNow.
  • 3D Secure Authentication: Included in standard pricing, or $0.04 per attempt for custom pricing accounts.
  • Instant Payouts: 1% of the payout volume, with a minimum fee of $0.50.

Stripe also offers several specialized pricing plans for advanced features:

  • Billing and Invoicing: 0.5% of recurring billing revenue or 0.4% per paid invoice.
  • Radar for Fraud Teams: $0.10 per screened transaction, providing advanced fraud detection and prevention.
  • Terminal: 3.4% + $0.50 per successful charge for domestic cards, plus additional hardware costs for card readers.
  • Sigma for Custom Reports: Starts at $15.00 per month, plus $0.03 per charge.

Overall, Stripe’s pricing is designed to be comprehensive and adaptable, providing robust tools to optimize payment processes while maintaining clear and predictable costs.

Stripe Payments Discounts and Coupons

Stripe Payments does not currently offer specific discounts or coupon codes. However, businesses with large payment volumes or unique needs can contact Stripe for custom pricing packages, which may include volume discounts, multi-product discounts, and country-specific rates tailored to their specific requirements.

Stripe Payments Free Trial

Stripe Payments does not offer a traditional free trial. Instead, it provides a pay-as-you-go pricing model with no setup fees or monthly charges. This allows businesses to start accepting payments and using Stripe’s features immediately, only paying for transactions as they occur.

Stripe Payments, A Short How-To Guide

Stripe is a comprehensive payment platform designed to streamline the process of accepting and managing payments online. This tutorial will guide you through setting up and integrating Stripe into your website.

Step 1: Create a Stripe Account

Visit the Stripe website and sign up for an account. Fill in your business details, including your email address, business name, and banking information. Stripe will verify your information to ensure compliance with financial regulations.

Step 2: Integrate Stripe with Your Website

Integrate Stripe into your website using one of the following methods:

  • Stripe Checkout: Use Stripe’s prebuilt, customizable payment form. Add a single line of JavaScript to your website to embed the form, which supports one-time and recurring payments.
  • Stripe Elements: Use modular UI components to create a custom payment form. This method allows you to design a payment form that matches your website’s aesthetics and provides an optimized user experience.
  • API Integration: For advanced customization, use Stripe’s APIs to build a fully bespoke payment solution. This approach gives you complete control over the payment process and user interface.

Step 3: Configure Payment Methods

Choose the payment methods you want to accept. Stripe supports various options, including credit/debit cards, digital wallets (Apple Pay, Google Pay), and bank transfers. Configure these in your Stripe Dashboard.

Step 4: Secure Your Transactions

Ensure your transactions are secure by enabling Stripe Radar for fraud prevention. Stripe Radar uses machine learning to detect and prevent fraudulent transactions. You can also implement 3D Secure for an additional layer of security.

Step 5: Test Your Integration

Before going live, test your Stripe integration using Stripe’s test mode. Use test cards provided by Stripe to simulate transactions and ensure everything works as expected. Check for any errors and make necessary adjustments.

Step 6: Go Live

Once you’re confident your integration works flawlessly, switch to live mode. Monitor your transactions and adjust your settings as needed. Use the Stripe Dashboard to track payments, handle refunds, and generate financial reports.

Step 7: Manage Your Payments

Utilize the Stripe Dashboard to manage your payments. The dashboard provides real-time insights into your transactions, allows you to issue refunds, and helps you reconcile your accounts. You can also set up automated payouts to receive funds directly into your bank account.

By following these steps, you can efficiently set up and manage Stripe Payments on your website, providing a seamless and secure payment experience for your customers.