What Stripe actually does
Stripe is a developer-first payment infrastructure company founded in 2010 by Patrick and John Collison, headquartered in South San Francisco and Dublin. It processes $1.9 trillion in TPV annually (+34% YoY) across 5M+ active businesses, with 2025 net revenue estimated at $6.9B (Sacra) and a $159B valuation from a February 2026 tender offer. Stripe is the default payment infrastructure for SaaS companies, marketplaces, and platforms globally — approximately 1.5 million live websites use Stripe, with 685K in the US alone.
Stripe's product suite extends far beyond payment processing: Stripe Billing for subscriptions, Stripe Tax for automated tax calculation, Stripe Radar for fraud detection, Stripe Connect for marketplace payouts, Stripe Treasury for embedded financial services, and Stripe Issuing for virtual card programs. Each product adds incremental revenue for Stripe and creates deeper platform dependency for customers.
Stripe's infrastructure is hybrid — own data centers combined with AWS, using Postgres and Kafka internally, with an Envoy service mesh. PCI-DSS Level 1, SOC 1/2 Type II, ISO 27001, PSD2/SCA, and money transmitter licenses in all 50 US states make Stripe one of the most comprehensively compliant payment platforms globally. This compliance stack took over a decade to build and is the primary reason building a Stripe-equivalent from scratch takes 24–36 months minimum.
Payment Processing API
Core card processing with PaymentIntents API for card, ACH, SEPA, and 100+ payment methods. 2.9%+$0.30 for online cards, 2.7%+$0.05 in-person, 3.4%+$0.30 for manually keyed. Handles authentication (3D Secure), currency conversion, and network tokenization.
Stripe Billing
Subscription management with flat-rate, metered, tiered, and volume pricing models. Handles dunning, proration, free trials, coupons, and invoicing. Costs 0.5% (Starter) or 0.7% (Scale) of subscription revenue — the Scale rate increased from 0.5% on June 30, 2025.
Stripe Radar (Fraud Detection)
ML-based fraud detection scoring every transaction against global network data. $0.05 per screened transaction; $0.07 with Radar for Fraud Teams. Allows custom rules in Radar Studio.
Stripe Connect
Marketplace and platform payout infrastructure — split payments, hold funds, and pay out to connected accounts. $2 per active connected account per month plus 0.25%+$0.25 per payout. Used by Shopify, Lyft, GitHub Sponsors.
Stripe Tax
Automatic tax calculation and collection for digital goods, SaaS, and physical goods across 40+ countries. 0.5% per transaction (0.4% above $100K/mo). Handles nexus tracking, rate calculation, and export to accounting software.
Developer Dashboard
Real-time payment analytics, dispute management, API key management, webhook configuration, and event logging. The Stripe dashboard is often cited as the industry benchmark for developer-friendly payment tooling.
Stripepricing & limits
Effective rate reaches ~7.8% when stacking Billing 0.7% + Tax 0.5% + Radar $0.07/tx + international card +1% + FX +1%
Where Stripe falls short
Effective rate creep to ~7.8% when stacking fees
Indie founders and SaaS companies report effective rates of ~7.8% when adding Stripe Billing (0.7%), Stripe Tax (0.5%), Radar for Fraud Teams ($0.07/transaction), international card surcharge (+1%), and currency conversion (+1%) on top of the base 2.9% + $0.30. At $100K/mo revenue, that is $7,800/mo in Stripe fees versus the advertised $3,200. 'Almost 3 times the advertised 2.9%' per a detailed Freemius analysis (freemius.com).
Account freezes with 2–4 week response times
Stripe's automated risk systems freeze accounts with funds held for risk review. G2 and Capterra report 2–4 week support response times during these holds — weeks of inaccessible revenue with no human escalation path. For bootstrapped companies with thin runway, a 2-week fund hold can be existential. This is among the most frequently cited complaints in r/stripe and r/SaaS.
$15 dispute fee charged even when you win
Stripe charges a $15 non-refundable dispute fee on every chargeback, regardless of outcome. In June 2025, Stripe added a new $15 counter fee for disputing chargebacks. A merchant with 50 monthly disputes — not uncommon for high-volume businesses — pays $750–$1,500/mo in dispute fees alone, even when winning 80% of cases. These fees are non-refundable and represent pure margin erosion.
No refund of processing fee on refunded transactions
When a merchant issues a refund, Stripe retains the original 2.9% + $0.30 processing fee. A $100 sale refunded costs the merchant $3.20 — they return $100 to the customer but only receive back $96.80. For businesses with high refund rates (SaaS with trials, ecommerce with returns), this is a significant ongoing cost. It is a frequent complaint on r/stripe and r/SaaS that no workaround exists.
Dunning requires third-party tools
Stripe Billing's built-in dunning (failed payment recovery) is limited to simple retry schedules. Companies with measurable churn from failed payments typically need Churn Buster (~$99/mo), ProfitWell Retain (~$99/mo), or Paddle's built-in dunning to recover 30–50% of failed charges. The cost of failed payment recovery tools adds another layer to Stripe's effective rate.
Key features to replicate
The core feature set any Stripe alternative needs — plus what you can improve on.
Payment Processing API
The core PaymentIntents API for creating and confirming payments. A custom implementation via an acquiring bank or payment facilitator (PayFac) like Adyen or FIS requires a BIN sponsorship agreement. Realistic path: build a payment orchestration layer that routes to multiple PSPs (Stripe for US, Adyen for EU, Razorpay for India) rather than acquiring directly.
Subscription Billing Engine
The most actionable Stripe replacement for most companies. Lago (9.5K stars, AGPL-3) or Kill Bill are open-source billing engines that replace Stripe Billing at 0% of revenue versus Stripe's 0.5–0.7%. Implement subscription plans, metered billing, proration, trial periods, and invoice generation. Pair with any payment processor for the actual charge.
Fraud Detection and Scoring
ML-based transaction risk scoring. For a custom build, integrate Sift, Kount, or Sardine as third-party fraud tools rather than building your own model. At meaningful scale ($5M+/mo), training a custom model on your transaction data can reduce false positives versus Stripe Radar's generic model. Stripe Radar costs $0.07/transaction — at 100K monthly transactions, that is $7,000/mo saved by switching to Sardine at $0.03–$0.05/transaction.
Marketplace and Platform Payouts
Stripe Connect replacement for splitting payments and paying out to connected sellers, contractors, or service providers. Implement with Stripe Connect Express (if still using Stripe as the underlying processor) or build with Dwolla, Payoneer, or Hyperwallet for marketplace payouts. Full custom implementation requires money transmitter licensing in all states where connected accounts receive funds.
Tax Calculation and Collection
Stripe Tax at 0.5% per transaction is one of the highest-margin Stripe add-ons relative to implementation complexity. TaxJar, Avalara, or Quaderno offer equivalent SaaS tax automation at flat monthly pricing ($99–$299/mo) rather than percentage-based fees. For a $100K/mo business, TaxJar at $299/mo saves $200/mo versus Stripe Tax at $500/mo (0.5% of $100K).
Webhook Event System
Reliable delivery of payment events (payment_intent.succeeded, invoice.payment_failed, customer.subscription.deleted) to your application. Build with a message queue (AWS SQS, Supabase Edge Functions) with at-least-once delivery, exponential retry backoff, dead letter queues for failed webhooks, and webhook signature verification using HMAC-SHA256 to prevent spoofed events.
Developer Dashboard and Analytics
Transaction search, dispute management, customer records, API key rotation, and webhook configuration. Build with Next.js App Router Server Components for server-rendered data views, Recharts for payment trend charts, and real-time counters via Supabase Realtime or Pusher for live MRR/volume metrics.
Dispute Management Workflow
Automated dispute response with evidence compilation. When a chargeback is filed, automatically gather the PaymentIntent record, shipping confirmation, customer activity log, and Terms of Service agreement into a dispute response package. Stripe Radar uses this automation — a custom implementation reduces the manual work per dispute from 30 minutes to under 5 minutes.
Technical architecture
A Stripe alternative is either (a) a full card-acquiring infrastructure — requiring a sponsor bank, PCI-DSS Level 1, money transmitter licenses in 50 states, and 24–36 months of engineering — or (b) an orchestration layer that routes to multiple PSPs while adding a unified billing, analytics, and webhook layer on top. Option (b) is what most 'Stripe alternatives' actually are, and it can be built in 6–12 months for $500K–$1.5M.
Frontend / Developer Console
Next.js App Router, React SPA, Vue + Nuxt
Recommended: Next.js App Router — Server Components for analytics dashboards, Client Components for interactive transaction search and dispute management. Developer-first design is Stripe's moat — invest heavily in documentation and API explorer.
API Layer
Go + gRPC, Node.js + Fastify, Rust
Recommended: Go for the payment API — low latency, strong type system, excellent concurrency for handling 1,000+ concurrent payment requests. Node.js for developer-facing REST API with developer-friendly error messages.
Payment Orchestration
Stripe (primary) + Adyen (fallback), Spreedly, Gr4vy
Recommended: Spreedly or Gr4vy as a payment orchestration layer — route transactions to the optimal PSP based on card type, geography, and cost. Use Stripe for US cards, Adyen for international, Razorpay for India. This is the most realistic 'Stripe alternative' architecture.
Billing Engine
Lago (OSS), Kill Bill (OSS), Stripe Billing (existing)
Recommended: Lago (9.5K stars, AGPL-3) for open-source billing — usage-based billing, subscriptions, invoicing. Replace Stripe Billing's 0.7% of revenue with Lago at $0 licensing. Pair with your orchestration layer for the actual charge.
Database
PostgreSQL + Kafka, CockroachDB, Vitess
Recommended: PostgreSQL for transaction records and account data. Kafka for event streaming (payment events → billing updates → webhook delivery). Redis for idempotency keys — critical for payment APIs to prevent duplicate charges.
Fraud Detection
Sift, Sardine, Kount, build custom ML model
Recommended: Sardine for developer-friendly fraud API — $0.03–$0.05/transaction versus Stripe Radar's $0.07. Integrate as a pre-authorization check before submitting to the payment processor. Build custom rules on top of Sardine's risk score.
Compliance and Licensing
Direct licensing, BaaS sponsor bank, Payment Facilitator model
Recommended: Payment Facilitator model via a sponsor bank (FIS, Fiserv, or TSYS) for fastest path to market. PCI-DSS Level 1 SAQ D or full QSA audit required. Money transmitter licenses in all states where you hold or transmit funds — use a licensing service like Nationwide Licensing System (NMLS).
Complexity estimate
Complexity 10/10 — multi-jurisdiction licensing, PCI DSS, fraud ML, and sponsor bank relationships make this a multi-year infrastructure build. Building a billing replacement layer: 6/10, 6–12 months. Building a full acquirer: 24–36 months minimum, $5–15M.
Stripe vs building your own
Open-source Stripe alternatives
Existing projects you can self-host or use as a starting point. Each has trade-offs.
Medusa
33.8KMedusa is a Node.js modular commerce platform with a payments module that abstracts away the payment processor. It supports Stripe, Adyen, PayPal, and other payment plugins, allowing easy switching between processors. It is not a payment processor itself — it is an orchestration layer that works on top of existing processors.
Lago
9.5KLago is a Ruby-based open-source billing engine designed as a direct replacement for Stripe Billing and Metronome. It supports usage-based billing, subscriptions, metered billing, flat fees, and tiered pricing. It is not a payment processor — it handles the billing logic and invoice generation, and pairs with Stripe, GoCardless, or any payment processor for the actual charge.
BTCPay Server
7.6KBTCPay Server is a self-hosted, zero-fee cryptocurrency payment processor. It supports Bitcoin, Lightning Network, and 50+ altcoins via plugins. It is a fully functional alternative to Stripe for businesses that accept crypto payments and want zero processing fees.
Build vs buy: the real math
24–36 months for full acquirer; 6–12 months for billing/orchestration layer
Custom build time
$5M–$15M for full acquirer; $500K–$1.5M for orchestration/billing layer
One-time investment
Almost never for general payment processing — viable only at $5B+/yr volume
Breakeven vs Stripe
Stripe's advertised 2.9%+$0.30 balloons to ~7.8% effective rate when stacking Billing (0.7%), Tax (0.5%), Radar ($0.07/tx), and international fees. A $100K/mo business pays $7,800/mo in total Stripe fees. But the realistic 'Stripe alternative' is not building a card acquirer — it is reducing specific fee categories. Replacing Stripe Billing with Lago (open-source, $0) saves 0.7% of subscription revenue — at $100K/mo MRR, that is $700/mo ($8,400/yr saved). Replacing Stripe Tax with TaxJar ($299/mo) saves $200/mo at $100K volume. Replacing Radar for Fraud Teams ($0.07/tx) with Sardine ($0.04/tx) saves $0.03/tx — at 100K monthly transactions, $3,000/mo. Total optimization without leaving Stripe: $900–$3,000/mo savings for a $100K/mo business. Building a full card acquirer requires a sponsor bank, PCI-DSS Level 1 QSA audit ($50K–$200K annually), money transmitter licenses in 50 states ($1–2M in legal fees and capital requirements), and 24–36 months. It makes economic sense only above $5B/yr in processing volume where interchange-plus direct negotiation generates savings that exceed compliance costs.
DIY roadmap: build it yourself
This roadmap covers building a payment orchestration layer plus billing engine to reduce Stripe fees — the realistic 'Stripe alternative' for most companies. Not a full card acquirer build. Assumes a team of 3–5 engineers.
Billing engine replacement (Lago)
4–6 weeks- Deploy Lago self-hosted (Docker/Kubernetes) or sign up for Lago Cloud
- Migrate subscription plans and pricing models from Stripe Billing to Lago
- Configure Lago to use Stripe as the payment provider for charges
- Implement Lago webhooks for invoice.paid and subscription.terminated events
- Build a plan migration workflow: move existing Stripe subscription customers to Lago-managed plans
- Verify proration, trial period, and downgrade/upgrade flows match previous Stripe Billing behavior
Tax calculation replacement
2–3 weeks- Sign up for TaxJar, Avalara, or Quaderno — evaluate based on your jurisdiction coverage needs
- Implement TaxJar SmartCalcs API: pass cart contents, ship-from/ship-to addresses, get tax rate
- Remove Stripe Tax from Checkout and PaymentIntents flows
- Configure tax rate calculation in Lago invoice generation
- Set up transaction reporting in TaxJar for filing automation
- Verify tax calculations match Stripe Tax results in a parallel testing period
Payment orchestration layer
4–6 weeks- Evaluate Spreedly or Gr4vy as a payment orchestration middleware
- Configure routing rules: US Visa/MC → Stripe; EU cards → Adyen; Indian cards → Razorpay
- Implement payment method vaulting in Spreedly (replaces Stripe-specific card tokens)
- Build failover routing: if primary processor fails, route to secondary
- Implement intelligent retry logic for failed transactions with different processor
- Build a unified webhook normalization layer to standardize events from all processors
Fraud detection optimization
2–3 weeks- Integrate Sardine or Sift as a pre-authorization fraud check
- Build custom rule sets for your business: block orders from high-fraud countries, flag new emails with high-value orders
- Implement device fingerprinting and behavioral analytics via Sardine SDK
- Set up fraud review queue for transactions with risk scores between threshold and block
- Remove Stripe Radar for Fraud Teams — use Sardine score to inform Stripe's own Radar rules instead
- Measure false positive rate — ensure fraud tool changes do not increase checkout abandonment
Dispute management automation
2–3 weeks- Build a dispute response automation workflow: on chargeback webhook, auto-gather evidence
- Compile evidence package: PaymentIntent details, shipping confirmation, email receipt, ToS agreement
- Auto-submit dispute response for clear-win cases (no-refund policy disputes, friendly fraud)
- Build dispute analytics dashboard: win rate by reason code, average cost per dispute
- Set up alerts for new disputes with same-day response SLA
- Track dispute rate per card type to identify fraud rings targeting specific card networks
This roadmap reduces Stripe fees by $900–$3,000/mo for a $100K/mo business without leaving Stripe entirely. Full acquirer build (leaving Stripe for your own payment infrastructure) requires an additional $5–15M investment and 24–36 months. Evaluate fee savings against migration complexity before committing to a full payment processor switch.
Features you can't get from Stripe
This is where a custom build pulls ahead — features impossible or impractical on a shared platform.
Usage-based billing without the 0.7% Stripe tax
Stripe Billing charges 0.7% of all subscription revenue for metered and usage-based billing. Lago (AGPL-3, 9.5K stars) replaces Stripe Billing with a $0-licensing open-source engine that handles usage-based pricing, tier-based billing, and complex metered models. At $500K MRR, switching from Stripe Billing to Lago saves $3,500/mo ($42,000/yr) in billing fees — easily justifying the 4–6 week migration effort.
Smart payment routing with automatic failover
Stripe routes all your transactions to Stripe, earning 2.9%+$0.30 on everything. A payment orchestration layer via Spreedly or Gr4vy routes US Visa/MC to Stripe (best US rates), EU cards to Adyen (better EU interchange), and Indian Rupee transactions to Razorpay (Indian local rates). Automatic failover ensures transactions succeed even when one processor has an outage — eliminating the revenue risk of Stripe downtime.
Vertical-specific fraud models
Stripe Radar's ML model is trained on its entire merchant network — it does not have domain-specific knowledge of your industry's fraud patterns. A marketplace for used luxury goods has completely different fraud signals than a B2B SaaS tool. A custom fraud model trained on your transaction history with Sift or Sardine as the underlying engine can reduce fraud losses and false declines simultaneously.
Automated dispute management with AI evidence compilation
Stripe's $15+$15 dispute fee structure means 100 monthly chargebacks cost $3,000/mo regardless of outcome. A custom dispute automation system that uses GPT-4o to analyze each dispute's reason code, compile relevant evidence from the order record, and auto-submit a formatted response can improve win rates from 30% to 50–60% — saving $150–$300 per won dispute.
B2B invoice payment portal with ACH first
Stripe's default checkout optimizes for card payments at 2.9%+$0.30. For B2B invoices, ACH bank transfer at 0.8% capped at $5 is dramatically cheaper. A custom invoicing portal that prompts enterprise customers to pay via ACH first, with card as a secondary option, can reduce payment processing costs from $3,000/mo (2.9% on $100K) to $300/mo (0.3% average on $100K) — saving $2,700/mo for predominantly B2B businesses.
Refund fee recovery mechanism
Stripe keeps the 2.9%+$0.30 processing fee on refunded transactions. For a SaaS with a 30-day free trial, every refund costs the company $3–$30 in fees depending on the plan price. A custom refund flow that first attempts a reversal (same-day void before settlement, which avoids the fee entirely) before processing a refund can recover a significant portion of refund processing fees for merchants with high trial conversion workflows.
Who should build a custom Stripe
SaaS companies with $50K+/mo MRR on Stripe Billing
At $50K MRR, Stripe Billing at 0.7% costs $350/mo ($4,200/yr). Migrating to Lago (open-source, $0 licensing) saves this amount immediately, with the migration paying for itself in under 12 months. The ROI is straightforward and the migration risk is manageable.
High-volume merchants paying $5K+/mo in Stripe Radar fees
At 100,000 transactions/mo, Stripe Radar for Fraud Teams costs $7,000/mo. Sardine or Sift at $0.03–$0.05/transaction costs $3,000–$5,000/mo — saving $2,000–$4,000/mo with equal or better fraud detection quality. For merchants above this volume, a custom fraud model on your own transaction data can reduce costs further.
Marketplaces with complex payout structures
Stripe Connect charges $2/active connected account/mo + 0.25%+$0.25 per payout. A marketplace with 5,000 active sellers paying $10,000/mo in Connect fees should evaluate Dwolla or Hyperwallet for payouts at flat monthly pricing. Custom payout infrastructure also enables negotiated interchange rates not available via Stripe Connect.
Businesses processing $5B+/yr in payments
Above $5B/yr in volume, direct interchange-plus rates negotiated with FIS, Fiserv, or Worldpay generate savings that exceed the cost of building and maintaining payment infrastructure. The breakeven against Stripe's effective rate at this volume is 18–24 months.
International companies needing multi-PSP routing
Stripe's rates are optimal for US cards but often more expensive than local acquirers for European, Brazilian, or Indian transactions. An orchestration layer routing European transactions to Adyen, Brazilian to PagSeguro, and Indian to Razorpay can reduce effective rates by 0.5–1.5% on international volume — significant savings for global merchants.
Skip the DIY — let RapidDev build it
Everything above is doable — but it takes months of full-time work. We build custom Stripe alternatives using AI-accelerated development, delivering in weeks what used to take quarters.
Discovery call (free)
30 minWe map your exact requirements: which Stripe features you need, what custom features to add, your users, integrations, and compliance needs. You get a detailed scope document and fixed-price quote within 48 hours.
AI-accelerated build
24–36 months for full acquirer; 6–12 months for billing/orchestration layerOur engineers use Claude Code, Lovable, and custom AI tooling to build 3–5x faster than traditional development. You see progress in a staging environment every week — not a black box for months.
Launch + handoff
1 weekWe deploy to your infrastructure, transfer the GitHub repo, set up CI/CD, and walk your team through the codebase. You own 100% of the source code — no vendor lock-in, no recurring platform fees.
What you get
Timeline
24–36 months for full acquirer; 6–12 months for billing/orchestration layer
Investment
$5M–$15M for full acquirer; $500K–$1.5M for orchestration/billing layer
vs Stripe
ROI in Almost never for general payment processing — viable only at $5B+/yr volume
30-min call. Fixed-price quote within 48 hours. No commitment.
Frequently asked questions
How much does it cost to build a Stripe alternative?
Building a full card-acquiring stack like Stripe costs $5M–$15M over 24–36 months, including licensing, compliance, sponsor bank relationships, PCI-DSS Level 1 certification, and engineering. Building a billing replacement layer (replacing Stripe Billing with Lago) costs $20K–$80K in engineering over 4–8 weeks. Building a payment orchestration layer (routing across multiple PSPs) costs $200K–$500K. The vast majority of companies should pursue fee optimization rather than building infrastructure.
How long does it take to build a Stripe alternative?
Full card acquirer: 24–36 months minimum. Billing engine replacement (Lago): 4–8 weeks. Payment orchestration layer: 8–16 weeks. Tax calculation replacement (TaxJar): 2–3 weeks. The most valuable 'Stripe alternative' work is targeted fee reduction in specific product areas, not replacing the entire stack.
Are there open-source Stripe alternatives?
For billing: Lago (9.5K stars, AGPL-3) replaces Stripe Billing. For commerce orchestration: Medusa (33.8K stars, MIT). For crypto payments: BTCPay Server (7.6K stars, MIT). None of these replace Stripe's core card-processing infrastructure — they are orchestration and billing layers that work alongside payment processors.
Why is Stripe's effective rate higher than 2.9%?
Stripe's 2.9%+$0.30 is the base rate for domestic US cards without any add-ons. Stacking Stripe Billing (0.7%), Stripe Tax (0.5%), Radar for Fraud Teams ($0.07/transaction), international card surcharge (+1%), and currency conversion (+1%) brings the effective rate to ~7.8% for a typical SaaS with international customers using all Stripe products. A Freemius analysis documented this in detail at freemius.com/blog/stripe-transaction-fees-real-cost/.
What licenses are required to process payments like Stripe?
Money Transmitter Licenses (MTL) in all 49 states that require them (plus DC, PR, and USVI) — each costing $5K–$50K in application fees plus surety bonds of $25K–$500K per state. FinCEN Money Services Business registration. PCI-DSS Level 1 certification requiring an annual QSA audit ($50K–$200K). Card network registration as a payment facilitator with Visa and Mastercard. FDIC-insured sponsor bank relationship. Total regulatory cost: $1–2M before processing a single dollar.
Can RapidDev build a custom Stripe billing replacement?
Yes — RapidDev has built billing systems, payment integrations, and subscription management platforms for 600+ clients. Replacing Stripe Billing with a Lago-based solution is a 4–8 week project that pays for itself quickly at $50K+/mo MRR. For full payment infrastructure questions, contact rapidevelopers.com/contact for a scoped assessment.
What is the fastest way to reduce Stripe fees without switching processors?
Three targeted replacements with the best ROI: (1) Replace Stripe Billing with Lago (open-source, $0) — saves 0.7% of subscription revenue immediately. (2) Replace Stripe Tax with TaxJar ($299/mo flat) — saves $200+/mo at $100K volume. (3) Replace Radar for Fraud Teams with Sardine ($0.03–$0.05/tx) — saves $2,000–$4,000/mo at 100K transactions. Total savings: $2,500–$4,700/mo for a $100K/mo business without migrating a single card token.
What is the difference between a payment processor and a payment orchestrator?
A payment processor (Stripe, Adyen, Square) has a direct relationship with card networks (Visa, Mastercard) and acquires funds on behalf of merchants. A payment orchestrator (Spreedly, Gr4vy) sits on top of multiple processors and routes transactions to the optimal processor based on rules you define. Orchestration lets you use Stripe for US cards, Adyen for European cards, and Razorpay for Indian cards from a single integration — reducing dependency on any one processor and enabling rate optimization.
We'll build your Stripe
- Delivered in 24–36 months for full acquirer; 6–12 months for billing/orchestration layer
- You own 100% of the code
- No per-seat fees, ever
30-min call. No commitment.