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Stripe Payments Review: Is Stripe A Good Credit Card Processor?

Stripe is a powerful tool for businesses that want to sell online with its payment gateway, customizable checkout, & extensive integrations. But is it a quality product at a fair price?

    Chris Motola
  • UPDATED

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Stripe Payments At A Glance

  • Stripe’s massive eCommerce platform provides a strong alternative to PayPal.
  • Stripe’s developer support and ecosystem are among the best in its class, though this comes with a tradeoff in user-friendliness for non-programmers.
  • If you’re looking to dabble in international sales, Stripe has excellent support for foreign payment methods and currencies.

Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
View Chris Motola's professional experience on LinkedIn.



The Merchant Maverick Seal of Approval 🏆

Stripe Payments



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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Stripe Payments for yourself.

The Merchant Maverick Seal of Approval 🏆

Stripe Payments



Visit Site

After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Stripe Payments for yourself.

Sources

To learn more about how we score our reviews, see our Credit Card Processor Rating Criteria.

264 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Vladimir

    ***** LETTER TO THE STRIPE SUPPORT *****

    You have written that the answer is provided within one business day. About 5 days have already passed since the problem arose, but no answer on the merits of the problem has been received.

    In view of the fact that the issue had to be resolved very quickly, in view of the lack of an answer from your side, the development of events took place according to the worst-case scenario. The problem was not only not solved, its solution was not even discussed at all.

    I was extremely dissatisfied with your support service and your service. You actually denied services for unreliable reasons, and also did not provide any consulting support after that. Furthermore. While services for the payments made have already begun to be provided to customers, you have made a full refund. Tell me what should I do now with the services rendered?

    An extremely unpleasant situation that arose through your fault because of your algorithms, but you didn’t even do anything to help sort it out.

    I was extremely disappointed with your service and approach to work and solving problems.

      This comment refers to an earlier version of this review and may be outdated.

      Dan

      Organization Name: Spotlight Promotions

      A Stripe rep assured me via email that my website was ok and I could use their services. Then, after spending HOURS adding their payment links on my site, and starting to make sales, they closed my account only a couple days later, saying my business wasn’t allowed, even though nothing I sell is on their list. I asked them to clarify what it was that caused the problem, but they just gave the general “it’s on the list” smoke & mirrors answer that just means they want you to go away. The worst part is that my direct competitors online sell the exact things I do and they ALL use Stripe, so I’m obviously not worth their time as a small fish in a big pond. I do NOT recommend using them if you are a small volume business!!

      1
      • Organization Name: Spotlight Promotions

      This comment refers to an earlier version of this review and may be outdated.

      Mike Mikhail

      Organization Name: enRoute Limo

      I setup my account with Stripe through a sales rep, then was able to login to my account and configure it, used the service for few month, then I was trying to integrate Stripe to two websites that I have, tried to login to my account online and got message that email does not exist, I contacted Stripe’s Support and their response was that my account is controlled by Lyft Canada, and my website is done using woo-commerce platform and I should contact Lyft or Woo-commerce if I need to do any changes to my account. They don’t even know what woo-commerce is and they ask me to contact them, I did not understand what they are talking about and why Lyft Canada have control of my account. I tried to explain again and again trying to understand how’s my account was hijacked, no explanation, they still want me to contact Woo-Commerce,,, funny.of course my bank account is tied to stripe for deposit, now my bank account information is available to whoever have control of my account. Very scary. I can’t even close my account. Be aware please.

      1
      • Organization Name: enRoute Limo

      This comment refers to an earlier version of this review and may be outdated.

      Duarte Figueredo

      Organization Name: marcaweb

      I have by stolen with credit card mode test…. very bad… dont use…. i recomend paypal

      1
      • Organization Name: marcaweb

      This comment refers to an earlier version of this review and may be outdated.

      Nick Rijniers

      Organization Name: Bark and Birch

      18 months of a solid experience, very low chargeback rate with millions of $ in revenue and even allowed us to move to daily payouts. We launched in the USA with a bit of a rocky start and an increase chargeback rate, from one day to the other Stripe – [Name Redacted] froze our account with $250.000 in there which are desperately needed to pay for our overheads as a non-funded extremely fast-growing startup.We have supplied dozens of supporting documents proving the strong financial position the company and the founder are in and showing the previously excellent performance of my company. Despite this they continue to freeze our funds without a clear answer on when they will be released. We have offered for Stripe to freeze 100.000 and release the rest back to us but even this has been ignored. Currtly being escalated through court. Having to protect your company is completely understandable, however the way you have dealt with us after any precious issues/warnings is absolutely appalling and will directly put people out of a job. Disgusting.

      1
      • Organization Name: Bark and Birch

      This comment refers to an earlier version of this review and may be outdated.

      Gina jimerson

      Organization Name: JDS CUTOMIZATION

      DO NOT USE STRIPE! CUSTOMER SERVICE ARE A BUNCH OF LIARS DONT DO A THING THEY SAY THEY WILL AND LITERALLY DTOOD AROUND AND WATCHED ME LOSE THE NUMBER ONE BIGGEST CLIENT OF MY LIFE AND SHOW NO REMORSE FOR THEIR FUCK UP OR ATTEMPT TO DO RIGHT BY IT. Pending LITIGATION’ I Warn EVERYONE TO STAY AWAY FROM THEM NOTHING BUT LIARS THERE!

      1
      • Organization Name: JDS CUTOMIZATION

      This comment refers to an earlier version of this review and may be outdated.

      Alyna Hamid

      Organization Name: Happy Hampers

      Not happy with their service at all.My business is mostly of special order items, so some times there is a 1-2 month lead time if not more. My customers pay me ahead of time and those funds are used for deposits to my various vendors. Stripe refuses to pay out until I show all inventory being delivered. That means they don’t pay out till the day of delivery, which absolutely does not work for my business model. I DO NOT recommend using Stripe. PayPal is far far better to work with.

      1
      • Organization Name: Happy Hampers

      This comment refers to an earlier version of this review and may be outdated.

      Shawn W.

      Organization Name: ESC

      I switched to Stripe since it integrated with our billing system. Test payments went great, but that is where it ended. We have an established business that does a brisk business and bills all our clients on the first of the month. After the first monthly billing clients called very upset because their payments were being declined. I called Stripe and was informed that there is a weekly limit of 10k per week and they would not increase this limit for 4 months. While I understand the need for controls, this limit was arbitrary and made no sense for our business since we bill the first of the month. Based on our normal monthly volume, even if I spread our billing out over the entire month, we could not process all our clients payments. I offered to have them hold payment for a period of time, I offered to send them our prior processing statements showing that we never had a single dispute ever and what our average processing amounts were. I see no reason why an established business would want to do business with Stripe. They have damaged relationships with clients, and our cash flow. I can’t understand why a payment processor would put arbitrary limits like this on new clients who have a business and payment history.

      1
      • Organization Name: ESC

      This comment refers to an earlier version of this review and may be outdated.

      Marvin WIlliams

      Organization Name: GG

      Deny my business as soon as we started to receive more then 10 deposits a day refunded every customer forcing us to re invoice everyone to recover funds stay away from them and use paypal

      • Organization Name: GG

      This comment refers to an earlier version of this review and may be outdated.

      Arwind Prasad Yadav

      Organization Name: Edwind Software Private Limited

      Beware Very bad experience with Stripe. They can block your payout for no reson and keep it blocked for not sure how long. This can affect your business very badly.

      1
      • Organization Name: Edwind Software Private Limited

      This comment refers to an earlier version of this review and may be outdated.

      John

      They are holding my first and last payment for online $535. Because I don’t have a url acct. I don’t know how the fuck they can hold MY money. How did you get your money from them.

      1

        This comment refers to an earlier version of this review and may be outdated.

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