Conhece o procedimento: o processamento de pagamentos é a espinha dorsal de qualquer operação séria de retalho ou comércio eletrónico, mas o Stripe nem sempre é a opção certa — especialmente se está farto de comissões de transação imprevisíveis, métodos de pagamento limitados ou de um apoio que parece ser como gritar para o vazio.
Talvez queira um processador de pagamentos com uma estrutura de preços mais transparente, uma melhor proteção contra a fraude ou uma plataforma que se integre realmente bem com o seu sistema POS e a sua infraestrutura de comércio eletrónico.
Ou talvez simplesmente já não queira ver as comissões fixas a reduzirem as suas margens.
Passei anos no terreno — como responsável pelo controlo de inventário, gestor de armazém, responsável por vendas internacionais, entre outras funções —, por isso sei o que é lidar com sistemas de pagamento que não cumprem o prometido.
Foi por isso que classifiquei as melhores alternativas ao Stripe: para ajudar proprietários de empresas, gestores operacionais e startups a encontrar um sistema de pagamento económico, escalável e realmente fácil de utilizar.
Este guia elimina o ruído do SaaS. Terá uma análise direta dos principais concorrentes do Stripe, das suas funcionalidades essenciais, dos modelos de preços e dos utilizadores para os quais são mais adequados — para que possa otimizar o processamento de pagamentos e voltar a concentrar-se na gestão da sua empresa.
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Tabela de comparação das alternativas ao Stripe
Utilize esta tabela de comparação para comparar preços, detalhes dos períodos de teste e casos de utilização ideais para as minhas principais alternativas ao Stripe.
| Tool | Best For | Trial Info | Price | ||
|---|---|---|---|---|---|
| 1 | Best for all-in-one solutions | Free plan + 30-day trial available | From $49/month | Website | |
| 2 | Best for mixed in-person and online payments | Free demo available | Pricing upon request | Website | |
| 3 | Best for predictable processing costs | Free demo available | From $99/month | Website | |
| 4 | Best for ERP integration | Not available | Pricing upon request | Website | |
| 5 | Best for international transactions | Free plan available | From $9.99/month | Website | |
| 6 | Best for omnichannel solutions | Free demo available | Pricing upon request | Website | |
| 7 | Best for unified transactions | Not available | From $0.13/transaction plus payment-method fees | Website | |
| 8 | Best for European businesses | Free demo available | From 1.80% + €0.25 | Website | |
| 9 | Best for social payments | Free demo available | From $10/month | Website | |
| 10 | Best for fast funding | Not available | From $15/month | Website |
As 10 melhores alternativas ao Stripe, classificadas & analisadas
Pronto para conhecer os detalhes? Estas análises apresentam as funcionalidades de destaque, os preços, as integrações e os utilizadores ideais de cada concorrente principal do Stripe — para que possa escolher uma solução de processamento de pagamentos que se adeque realmente ao modelo da sua empresa.
Best for all-in-one solutions- Free plan + 30-day trial available
- From $49/month
Visit WebsiteCustomer Rating:4.7/5
Square is a platform for in-person and online payments and business tools. Square is a comprehensive payment processing platform that caters to small and medium-sized businesses, providing tools for accepting payments, managing invoices, and more. It's designed to help businesses handle both in-person and online transactions efficiently.
Why it's a good Stripe alternative: Square offers an all-in-one solution that includes point-of-sale systems, invoicing, and ecommerce capabilities. Its hardware options allow you to accept payments in various ways, from mobile card readers to contactless payments. With features like inventory management and sales analytics, it helps you keep track of your business operations. The comprehensive nature of its offerings makes it a versatile choice for businesses seeking a unified solution.
Standout features & integrations:
Features include inventory management tools that help you keep track of stock levels. The platform offers sales analytics to provide insights into your business performance. You can also manage employee schedules and payroll directly through Square.
Integrations include QuickBooks, Xero, WooCommerce, Shopify, BigCommerce, Magento, Wix, Weebly, Zoho Books, and Acuity Scheduling.
Pros and Cons
Pros:
- Supports employee management
- Includes inventory management
- Versatile payment hardware options
- Comprehensive all-in-one solution
Cons:
- Some features may be industry-specific
- Requires setup and configuration
- Focus on small to medium businesses
Best for mixed in-person and online payments- Free demo available
- Pricing upon request
Visit WebsiteCustomer Rating:4.7/5
Payment Depot supports credit card transactions in-person and online, appealing to diverse payment processing needs. Payment Depot offers a payment processing model that may appeal to business owners who want more predictable rates on credit-card transactions — you pay a membership fee rather than a hidden markup, and get wholesale interchange-plus pricing passed through. It can suit retailers, restaurants, or service-based businesses that regularly accept credit cards and want clarity on what they’ll pay per transaction.
Why I Picked Payment Depot
I picked Payment Depot because its subscription-based pricing with true interchange-plus billing stands out as a cost-conscious alternative to many payment processors — it passes wholesale rates directly to your business rather than inflating them. You get a free virtual terminal and payment-gateway access included with the plan, which means you don’t need to hunt for third-party tools to process online payments or keyed-in transactions. That makes it a good fit if you accept card payments both in person (e.g. retail or restaurant) and online or over the phone.
Payment Depot Key Features
In addition to its transparent pricing model, I also found several other features that make Payment Depot a strong contender as a Stripe alternative:
- No Long-Term Contracts: Businesses can enjoy the flexibility of month-to-month service agreements without being locked into long-term commitments.
- 24/7 Customer Support: Access to round-the-clock assistance ensures that any issues can be resolved swiftly, minimizing downtime and maintaining smooth operations.
- Varied Payment Acceptance: Supports EMV, NFC, and magstripe payments, catering to a wide range of transaction types and customer preferences.
- Merchant Cash Advances: Offers financial solutions to help businesses manage cash flow with advances up to $500,000.
Payment Depot Integrations
Integrations include Clover, SwipeSimple, Vend, QuickBooks, Authorize.Net, WooCommerce, BigCommerce, Magento, Shopify, and Square.
Pros and Cons
Pros:
- 24/7 customer support provides reliable assistance for users.
- No long-term contracts offer flexibility for businesses.
- Transparent pricing with interchange-plus model attracts cost-conscious users.
Cons:
- Membership fees may be high for small or low-volume businesses.
- Not suitable for high-risk or international merchants.
Learn more about Payment Depot:
3Best for predictable processing costsStax
- Free demo available
- From $99/month
Visit WebsiteCustomer Rating:4.2/5
Stax Pay displays real-time sales, customer activity, and payment insights across mobile and desktop dashboards. Stax Pay brings payment processing and billing into a single dashboard — ideal if you run a small-to-mid-sized business, e-commerce shop, or service company that handles both in-person and online payments. If your team wants predictable pricing, flexible payment options (card-present, mobile, or online), and a unified way to invoice, bill, and track transactions, Stax Pay can help you simplify operations and avoid juggling multiple tools.
Why I Picked Stax Pay
I picked Stax Pay because its subscription-based pricing with interchange-plus transaction rates gives you predictable costs and potentially lowers your payment processing expenses if you handle consistent monthly volume. Its all-in-one platform lets you manage online payments, in-person card transactions, invoicing, and recurring billing from the same dashboard — a useful advantage for teams juggling physical stores, e-commerce, or a mix of both.
Stax Pay Key Features
In addition to the core benefits above, you’ll find:
- In-person payments: Accept swiped, dipped, or tapped cards (plus mobile wallet payments via Apple Pay / Google Pay) using smart terminals or mobile card readers.
- Online payments: Use pre-built, no-code hosted payment pages, payment links, buttons, or QR codes to accept payments via web without heavy development work.
- Mobile payments: With the Stax mobile app, you can take key-in, swiped, or tapped payments from anywhere and get real-time sales reporting on the go.
- Invoicing and recurring billing: Send branded invoices by email or text, schedule recurring payments for subscriptions or services, and automate invoice reminders to customers.
Stax Pay Integrations
Integrations include QuickBooks, Salesforce, WooCommerce, Shopify, BigCommerce, Magento, Xero, NetSuite, FreshBooks, and Zapier. An API is also available for custom integrations.
Pros and Cons
Pros:
- Ability to pass processing fees to customers where surcharge laws allow.
- Supports various payment methods, including mobile processing.
- Transparent subscription-plus-interchange pricing gives predictable costs.
Cons:
- Subscription fee may outweigh savings for low-volume merchants.
- Next-day funding isn’t guaranteed and sometimes comes with extra cost.
Learn more about Stax:
EBizCharge is a payment solution integrated with ERP and accounting systems. EBizCharge is a payment processing solution primarily used by businesses that need integrated payment systems with their ERP and accounting software. It helps streamline the payment process by handling credit card and ACH transactions directly within the user's existing software.
Why it's a good Stripe alternative: EBizCharge offers extensive ERP integration capabilities, allowing you to process payments directly from your ERP system. It provides tools for reducing processing fees and offers advanced security features to protect sensitive data. With its focus on integration and cost savings, EBizCharge helps you manage payments more effectively. Its user-friendly interface makes it accessible for teams of varying sizes.
Standout features & integrations:
Features include in-depth reporting tools that give you insights into your transaction data. The platform offers advanced fraud protection to safeguard your business. You can also benefit from its recurring billing feature, which simplifies managing subscriptions.
Integrations include QuickBooks, Microsoft Dynamics, SAP Business One, NetSuite, Sage 100, Sage 300, Acumatica, Epicor, AccountMate, and MYOB.
Pros and Cons
Pros:
- Effective payment management
- User-friendly interface
- Advanced security features
- Strong ERP integration capabilities
Cons:
- Some features might be ERP-specific
- May need technical support
- Limited for non-ERP users
Learn more about EBizCharge:
Best for international transactions- Free plan available
- From $9.99/month
Visit WebsiteCustomer Rating:3.9/5
Revolut is a platform for managing international and multi-currency payments. Revolut is a payment processing platform tailored for businesses that need to manage international transactions efficiently. It serves companies that operate across borders, providing tools for handling multiple currencies and financial services.
Why it's a good Stripe alternative: Revolut offers competitive exchange rates and multi-currency accounts, which help you save on international transaction costs. Its ability to handle payments in different currencies makes it ideal for businesses with a global reach. With features like instant currency exchange and spending analytics, you can manage your finances more effectively. The focus on international transactions and cost savings differentiates it from other payment solutions.
Standout features & integrations:
Features include virtual cards for secure online transactions. The platform provides spending controls that help you manage expenses. You can also access detailed analytics to track and analyze your financial activities.
Integrations include Xero, QuickBooks, FreeAgent, Sage, Shopify, WooCommerce, Magento, BigCommerce, PrestaShop, and OpenCart.
Pros and Cons
Pros:
- Ideal for global businesses
- Detailed spending analytics
- Instant currency exchange
- Multi-currency accounts
Cons:
- Focus on international needs
- Some features are region-specific
- Limited for domestic-only businesses
Learn more about Revolut:
Best for omnichannel solutions- Free demo available
- Pricing upon request
Visit WebsiteCustomer Rating:3.8/5
Fiserv is a payment platform for in-store and online transaction solutions. Fiserv is a payment processing platform that serves online businesses of all sizes, offering solutions for both in-store and online transactions. It's widely used by retailers, financial institutions, and service providers to handle payments and manage financial operations.
Why it's a good Stripe alternative: Fiserv provides comprehensive omnichannel solutions that allow you to integrate your payment systems across multiple platforms. Its advanced analytics help you understand customer behavior and optimize your sales strategies. With secure payment processing and customizable solutions, you can tailor the platform to meet your specific business needs. The focus on omnichannel capabilities makes it a versatile choice for diverse business environments.
Standout features & integrations:
Features include detailed analytics tools that provide insights into your business performance. Fiserv offers secure payment gateways to ensure safe transactions for your customers. You'll also find value in their customizable point-of-sale systems that adapt to various business models.
Integrations include Clover, QuickBooks, Shopify, Magento, WooCommerce, BigCommerce, Salesforce, NetSuite, SAP, and Oracle.
Pros and Cons
Pros:
- Customizable solutions
- Secure payment processing
- Advanced analytics tools
- Strong omnichannel capabilities
Cons:
- Limited customization for niche markets
- Learning curve for new users
- Setup can be complex
Learn more about Fiserv:
Best for unified transactions- Not available
- From $0.13/transaction plus payment-method fees
Visit WebsiteCustomer Rating:3.8/5
Adyen is a platform for managing payments across online mobile and in-store channels. Adyen is a payment processing platform designed for businesses that require a single solution to manage multiple payment methods. It caters to enterprises looking to handle transactions across online, mobile, and in-store channels.
Why it's a good Stripe alternative: Adyen provides a unified transaction platform, allowing you to manage various payment methods through a single system. Its real-time data insights help optimize payment strategies, and its advanced fraud protection ensures secure transactions. With support for global payment methods, it offers flexibility for businesses operating internationally. The focus on unifying transactions across different channels makes it a versatile alternative.
Standout features & integrations:
Features include a comprehensive reporting system that offers insights into transaction data. You can access advanced fraud prevention tools to safeguard your payments. The platform also supports local acquiring, which helps optimize payment acceptance rates in different regions.
Integrations include Shopify, Magento, WooCommerce, Salesforce Commerce Cloud, BigCommerce, PrestaShop, OpenCart, SAP Commerce Cloud, QuickBooks, and NetSuite.
Pros and Cons
Pros:
- Flexible for international businesses
- Supports global payment methods
- Advanced fraud protection
- Unified transaction management
Cons:
- Not ideal for simple setups
- Focus on large enterprises
- May require technical expertise
Learn more about Adyen:
Mollie is a payment platform for online and in-person transactions. Mollie is a payment processing platform catering to businesses of all sizes, facilitating both online and in-person transactions. It's widely used by startups and enterprises for managing payments, subscriptions, and invoicing.
Why it's a good Stripe alternative: Mollie caters specifically to European businesses, offering features like support for local payment methods such as iDEAL and SEPA bank transfers. It provides tools for creating secure payment links and accepting contactless payments via iPhone. Mollie's fast payment terminal, Tap, and its focus on cost reduction make it a suitable choice for businesses looking to enhance their payment processing within Europe.
Standout features & integrations:
Features include tools for fraud prevention, embedded payments, and access to capital for business growth. You can manage both online and in-person payments, and Mollie offers an optimized checkout solution to improve user experience.
Integrations include WooCommerce, Shopify, Magento, Prestashop, BigCommerce, Kibo Commerce, Shopware, OpenCart, Lightspeed, and Ecwid.
Pros and Cons
Pros:
- Focuses on European businesses
- Provides payment insights
- Offers contactless payment options
- Supports local payment methods
Cons:
- Some features are region-specific
- May lack advanced customization
- Limited global reach
Learn more about Mollie:
Venmo for Business is a platform for social and customer-friendly transactions. Venmo for Business is a payment processing platform tailored for businesses that want to leverage social interactions for transactions. It caters to small and medium-sized businesses looking to engage customers through social media-like payment experiences.
Why it's a good Stripe alternative: Venmo for Business offers a unique social payment experience, allowing your customers to share and interact with payments. Its easy-to-use interface and quick transfer capabilities make it ideal for businesses that want to enhance customer engagement. With features like transaction sharing and social media integration, you can create a more interactive payment experience. The focus on social payments makes it a compelling alternative for businesses aiming to connect with customers on a personal level.
Standout features & integrations:
Features include transaction sharing, which allows customers to share their purchases with friends. The platform offers quick transfer capabilities, ensuring fast access to funds. You can also benefit from its user-friendly interface that simplifies the payment process.
Integrations include PayPal, Shopify, WooCommerce, BigCommerce, Magento, PrestaShop, OpenCart, Squarespace, Wix, and Weebly.
Pros and Cons
Pros:
- Ideal for small businesses
- User-friendly interface
- Quick transfer capabilities
- Social payment experience
Cons:
- May need frequent updates
- Requires social media presence
- Focus on social interaction
Learn more about Venmo for Business:
Elavon is a payment provider for in-person online and contactless payments. Elavon is a payment processing provider that serves businesses across various industries with in-person, online, and contactless payment solutions. Its primary users include retail, healthcare, and restaurant businesses seeking efficient transaction management.
Why it's a good Stripe alternative: Elavon offers fast payment processing and advanced data protection, making it ideal for businesses that need quick access to funds. Its Paze digital wallet simplifies online checkouts by consolidating cards securely, which enhances user experience. With customized reporting tools, you can gain insights into your transactions, helping you make informed business decisions. The focus on fast funding and security sets it apart as a reliable payment processing option.
Standout features & integrations:
Features include advanced security compliance to protect your transactions and customer data. Elavon provides value-added payment services that enhance customer satisfaction and support business growth. You can also benefit from their 24/7 customer support, ensuring help is always available.
Integrations include QuickBooks, Shopify, Magento, WooCommerce, Salesforce, NetSuite, PrestaShop, BigCommerce, SAP, and Oracle.
Pros and Cons
Pros:
- 24/7 customer support
- Strong industry expertise
- Advanced data protection
- Fast access to funds
Cons:
- May need technical assistance
- Limited customization options
- Requires setup and configuration
Learn more about Elavon:
Outras alternativas ao Stripe
Eis algumas alternativas adicionais ao Stripe que não chegaram à minha lista final, mas que continuam a merecer atenção:
- 11Checkout.comBest for advanced fraud detection
- 12Authorize.netBest for small businesses
- 13SlashBest for global business payouts
- 14WePayBest for platform integration
- 15KIS PaymentsBest for credit card rewards
- 16HelcimBest for transparent pricing
- 17PayPalBest for PayPal user integration
- 18AirwallexBest for cross-border transactions
- 19StaxBest for subscription businesses
- 20Merchant OneBest for high-risk merchants
- 21Shopify PaymentsBest for ecommerce platforms
- 22CloverBest for retail businesses
- 23Payline DataBest for customized payment solutions
- 24QuickBooks PaymentsBest for accounting integration
- 25FinixBest for platform payments
How I Evaluate Stripe Alternatives
When a retailer needs to accept tap-to-pay in-store and process checkouts online, I evaluate payment tools on two levels: core acceptance criteria and the differentiators that set one apart.
Core Functionality (Table Stakes For This List)
When I'm selecting tools for my list, I rank each one on a scale from 0 (does not offer the functionality) to 5 (excels in this area) for each core functionality listed below. Then, I calculate the tool's total score into a percentage. Each tool needs to achieve a minimum total score of 65% to be considered for inclusion.
- Omnichannel Payment Processing: I look for a single platform that handles both card-present retail transactions and online checkout, so a store selling in-person and through its website manages everything under one account.
- Multiple Payment Methods: Beyond standard card processing, I check for digital wallets like Apple Pay and Google Pay, ACH transfers, and BNPL options that today's retail shoppers expect at checkout.
- Retail Software Integrations: Each tool should connect to the platforms retailers already use—POS systems like Lightspeed or Clover, ecommerce platforms like Shopify or WooCommerce, and accounting tools like QuickBooks.
- Transparent Pricing Structure: I evaluate whether the vendor publishes clear processing rates and discloses all fees upfront, including any charges for chargebacks, cross-border transactions, or monthly minimums.
- PCI Compliance & Fraud Prevention: The platform should be PCI-DSS compliant and include tokenization, configurable fraud rules, and chargeback management to protect both the retailer and cardholder data.
- Payouts & Sales Reporting: I look at payout speed and reporting depth—retailers running multiple locations need consolidated dashboards that break down sales, refunds, and fees across every channel and store.
Once I have a list of tools that meet this criteria, I consider what sets each platform apart.
Differentiating Factors (What Sets Vendors Apart)
Here's how I compare and contrast different vendors:
Standout Features
Integrated POS hardware matters for retailers who want card readers and terminals that work out of the box with their payment platform—vendors like Square and Clover bundle certified devices directly. I also evaluate whether a platform ties transaction data to customer profiles and loyalty programs, since that link turns one-time purchases into repeat business. Embedded financing is another factor I check for, where merchants can access working capital or offer shoppers installment plans directly through the payment dashboard.
Beyond Features
Total cost of ownership goes beyond the per-transaction rate. I look at monthly fees, hardware costs, and whether a vendor locks you into a long-term contract—details that add up fast for a retailer processing hundreds of daily sales. Scalability also matters; a platform should support a single storefront today and a ten-location chain tomorrow without forcing a migration. I also consider how transparent vendors are about fund holds and reserve policies, since unexpected freezes can disrupt cash flow for retailers managing tight inventory cycles.
O que é o Stripe?
O Stripe é uma plataforma de processamento de pagamentos que permite às empresas aceitar pagamentos online, cartões de crédito e carteiras digitais com o mínimo de complicações.
É a ferramenta de eleição para profissionais de comércio eletrónico, startups de SaaS e qualquer pessoa que queira movimentar dinheiro online sem contratar uma equipa de programadores.
Com o Stripe, obtém APIs flexíveis, métodos de pagamento globais e ferramentas integradas para subscrições, faturação recorrente e prevenção da fraude — tudo concebido para o ajudar a aceitar pagamentos, gerir transações e manter-se concentrado na gestão efetiva da sua empresa.
Por que motivo procurar uma alternativa ao Stripe?
O Stripe é um processador de pagamentos sólido, mas não é uma solução universal.
Pode estar à procura de uma alternativa ao Stripe se está farto de comissões de transação elevadas, precisa de um melhor apoio ao cliente ou quer mais flexibilidade nos métodos de pagamento e nas integrações.
Talvez o Stripe não seja compatível com a sua região ou a sua empresa tenha necessidades específicas de conformidade ou personalização que o Stripe simplesmente não consegue satisfazer.
Em suma: se o Stripe está a limitar o seu negócio — em termos de custos, funcionalidades ou controlo — existem muitas plataformas de processamento de cartões de crédito que lhe podem proporcionar mais capacidade de ação, preços melhores e uma configuração que se adapta realmente ao modelo da sua empresa.
Principais funcionalidades das alternativas ao Stripe
Eis o que deve esperar de qualquer alternativa ao Stripe que seja digna do seu tempo — e das suas comissões de transação:
- Aceitação flexível de pagamentos. Aceite cartões de crédito, cartões de débito, ACH, carteiras digitais e métodos de pagamento locais — online, em loja ou em dispositivos móveis.
- Preços transparentes e comissões mais baixas. Modelos de preços claros, comissões de transação competitivas e nenhuma surpresa desagradável no seu extrato mensal.
- Finalização da compra e integrações personalizáveis. Integrações perfeitas com a sua plataforma de comércio eletrónico, POS ou CRM, além da possibilidade de personalizar a marca e otimizar o processo de finalização da compra.
- Faturação recorrente e gestão de subscrições. Ferramentas integradas para gerir subscrições, faturação automatizada e pagamentos únicos ou recorrentes.
- Proteção avançada contra fraude e segurança. Conformidade com a norma PCI, deteção de fraude em tempo real, gestão de estornos e ferramentas para manter a sua empresa e os seus clientes em segurança.
- Suporte global e multimoeda. Aceite pagamentos em várias moedas e sirva clientes em todo o mundo — sem ter de ultrapassar obstáculos desnecessários.
- Análises e relatórios acionáveis. Obtenha informações claras e em tempo real sobre vendas, volumes de transações, pagamentos recebidos e muito mais — para poder tomar decisões baseadas em dados.
- Suporte ao cliente ágil. Acesso a pessoas reais por chat, telefone ou e-mail quando algo corre mal — ou quando precisa simplesmente de uma resposta direta.
As melhores alternativas ao Stripe são concebidas para lhe dar mais controlo, mais opções e uma experiência de processamento de pagamentos que se adapta verdadeiramente à forma como conduz o seu negócio.