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Stripe Credit Card Processor Review

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Stripe Credit Card Processor ReviewStripe Credit Card Processor Review

Stripe has more than 10 years in the industry, and so far, it has served a great number of businesses in almost every industry. The company has more than 14 offices around the globe and two headquarters in Dublin and San Francisco.


International credit card processing services
No monthly fees
Affordable and portable chip reader


Limited functionality for in-person retail businesses

Quick Stats

Customer Support
Fair and transparent rate structure
Not Available
Based on the plan
Strong uptime record
Not Available
Transaction speed
24 hours

Stripe credit card processor is packed with all the essential features, plus a handful of add ons such as access to premium support, international services, and recurring payments. But is it the most cost-effective and reliable provider for your business? Read through our review to see how Stripe fares against its competitors.

Stripe Credit Card Processor Top Perks

With Stripe, you'll get the following features:
1. International services for a wide range of industries
2. No monthly fees or early termination charges
3. Customizable solutions to serve certain each business needs
4. Offers an affordable and portable chip reader
5. Twenty-eight languages and numerous currencies

Stripe payment processing solutions support more than 135 currencies and payment methods, and the service is available in 35 different countries so far. The system operates at 99.99% uptime, perfect for accepting payments quickly and serving more customers.

What we like about it is its constant updates and the deployment of the recent technology, along with its integration with hundreds of credit card networks and banks for a smooth checkout. Integrations include but are not limited to Shopify, WooCommerce, NetSuite, and more.

In terms of security, Stripe leaves no room for fraud attempts. It helps detect and block fraud for any type of business using the machine learning technology built into all Stripe's presented systems, which means the setup needed to get started.


Stripe Credit Card Processor Features

Here's what Stripe Credit Card processor offers to boost your business:

Stripe checkout

Stripe can be a good choice for businesses that want to keep their payment capabilities up and running. It can be optimized easily using a few lines of code that you can enter into your credit card processor system.

The credit card processor is mobile-friendly and accepts both Apple Pay and Google Pay payments. In addition, international merchants can find Stripe a suitable solution since it provides more than 25 languages.

Mobile app

Stripe's mobile apps are compatible with iOS and Android systems, in which users can view payments, customer information, and search transactions. Any compatible smartphone can be used to take payments with the Stripe terminal.


Integrations support the business growth and make it possible to streamline with many other technologies to offer the best experience for the customers. Stripe's credit card processor integrates with some other notable services, such as Shopify, FreshBooks, Wufoo, and Xero. Additionally, it integrates with customer relationship management solutions, such as HubSpot.

Manage payment options

Stripe credit card processor saves much time offering automated payments, recurring billing, flexible billing subscriptions. Stripe offers other perks to take customers' experience to the next level with coupons, free trials, and installment payments. With these services, sending and receiving invoices can be done via email and through a hosted payment page. However, it's worth mentioning that Stripe billing is add-on customers can get for an extra cost.

Security features

Stripe takes care of payment safety; that's why the service is deemed reliable, especially for businesses in high-risk industries, such as insurance companies. Stripe maintains the payment security by using HTTPS for the dashboard and AES-256 encryption for credit card numbers.

The machine learning feature presented by Stripe helps distinguish fraudsters from customers and detect fraud attempts from the very beginning.

In-Store Hardware Options

Stripe credit card processing solutions are designed to seamlessly serve customers online and in person. Even though it doesn't offer its POS solution, it equips users with a lot of developer tools to create their own. Stripe provides the following reader options for in-store payments:

  • M2 Reader: Accept payments in-store on the go with M2 reader that is reliable, fast, and secure. This option accepts EMV chips, contactless, and swipe payments. Payments processed using this option are secured with end-to-end encryption. Additionally, the M2 Reader can be connected to Bluetooth and comes with an optional charging cradle and tablet mount.
  • BBPOS Chipper 2X BT: BBPOS Chipper is a battery-powered card reader for mobile point of sale applications. It accepts EMV chips, contactless, and swipe payments with end-to-end encryption and Bluetooth connectivity.
  • BBPOS WisePOS E: This smart reader with 5 inches touchscreen is greatly advantageous for hybrid countertop and handheld use. It accepts EMV chips, contactless, and swipe payments. In terms of connectivity, it is great for Wi-Fi networks and ethernet.

Stripe Credit Card Processor Cost


On the website, you can see what's included in the plans and the overall cost. In a nutshell, all plans come with 24/7 customer support, real-time reporting, iOS, and Android dashboard apps, third-party integrations, and more.

The standard pricing is disclosed on the website, and there are custom packages for large clients in case the business has high-volume credit card sales or special requirements. Users can make use of the available discount when they purchase multiple products.

The good news is that no monthly fees for payment processing and users don't even have to worry about subscription lengths or cancelation fees.

The Integrated plan allows access to a complete payments platform that accepts Visa, Mastercard, American Express, Discover, JCB, Maestro, UnionPay, Apple Pay, and Google Pay. This plan has everything you need to manage payments, constantly updated features and doesn't require setup fees.

The cost for a basic plan is 2.9%+ $33.95 per successful card charge. Compared to other credit card processing services, the cost is fairly affordable and can be a good fit for both small and large businesses.

Ease of Use

Small businesses will find the service easily managed and highly customizable to their needs. The dashboard is easy to use and allows access to the customers' information, saved credit cards, and other management features. On the customer side, the terminal is simple, and the checkout form is straightforward.

Customer Support

The company has 24/7 live chat and phone support, with a three-minute average call-back time. Customer support is available via email, live chat, and phone calls. The FAQs and knowledge base pages are loaded with basic information on almost every topic.

Final Verdict

Stripe has a wide variety of payment processing solutions for small and large businesses. Prices are disclosed on the website. However, it's recommended to call one of the company's agents and discuss the business requirements.

What customer support options does the service offer?
Can I terminate my subscription at any time?
How much does Stripe cost?
What does Stripe offer with all plans?
Does Stripe offer mobile apps?

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