01
Cashfree
Payment collection and payouts with regional product rules.
Payment processor
1.95–2% + GSTIndia domestic · verify method & contract
~2,360 clicks
Find your next payment provider.
Compare payment providers and Stripe alternatives by capability and business country.
02
Checkout Page
No-code checkout for businesses that already qualify for Stripe.
Billing layer
From $29/moLaunch · Stripe fees extra
~817 clicks
03
Creem
A low headline checkout rate. Look at payouts as well.
Merchant of Record
3.9% + 40¢Base checkout · payout fees extra
~1,748 clicks
04
Dodo Payments
Digital-product MoR. Owner eligibility matters as much as company country.
Merchant of Record
4% + 40¢US domestic cards · verify locale
~1,770 clicks
05
Gumroad
Creator commerce with very different direct and discovery economics.
Merchant of Record
10% + 50¢Direct: plus 2.9% + 30¢ card processing
~2,849 clicks
06
Kit Commerce
Creator commerce through a managed Stripe Express setup.
Commerce platform
3.5% + 30¢USD Commerce · processing included
~1,101 clicks
07
Lemon Squeezy
Digital commerce with tax handling. Pay attention to the add-ons.
Merchant of Record
5% + 50¢Base rate · add-ons apply
~2,855 clicks
08
Mamo
Business payments and settlement in a UAE context.
Payment processor
2.9% + AED 1Growth · UAE cards charged in AED
~590 clicks
09
Mollie
European payment infrastructure with local payment methods.
Payment processor
1.8% + €0.25EEA consumer cards · EUR market quote
~1,967 clicks
10
Outseta
Billing, authentication and CRM around a Stripe-based payment stack.
Billing layer
From $47/mo + 2%Monthly Start · Stripe fees extra
~694 clicks
11
Paddle
A complete merchant-of-record setup for software businesses.
Merchant of Record
5% + 50¢Standard checkout · USD
~2,698 clicks
12
Podia
Courses and communities, with a separate processing bill.
Commerce platform
$42/mo + 5%Mover · billed yearly · processing extra
~983 clicks
13
Polar
Developer-focused commerce, with a new generation of pricing.
Merchant of Record
5% + 50¢Starter · new organizations
~1,531 clicks
14
Razorpay
Indian payment infrastructure, plus a distinct cross-border stack.
Payment processor
2% + GSTIndia standard domestic · US: 2.7% + 30¢
~2,019 clicks
15
Sellfy
A digital storefront. Your payment gateway still matters.
Commerce platform
From $39/moMonthly Starter · processing extra
~817 clicks
16
SendOwl
Digital delivery and checkout on top of an external gateway.
Commerce platform
From $39/moLaunch · gateway fees extra
~708 clicks
17
Stripe
Flexible payment infrastructure. You choose the rest of the stack.
Payment processor
2.9% + 30¢US domestic cards · Payments
~2,879 clicks
THE RESEARCH BEHIND THE DIRECTORY
The whole picture, when you need it.
Fees, tax responsibilities, payout conditions and portability: the details matter.
✓ Sources, not assumptions✓ No pay-to-rank✓ Open data
How we research YOUR PAYMENT STACK
01
Collect paymentsMethods, subscriptions & checkout
↗02
Know the responsibilitiesTax, disputes & the fine print
↗03
Get paidCountry coverage, payouts & portability
↗17payment
providers
providers
6merchant-of-record
products
products
22capabilities
to explore
to explore
43business countries
to investigate
to investigate
START WITH THE RIGHT QUESTION
Same checkout. Different responsibilities.
01 / PROCESSOR
Build your payment stack
You handle the seller relationship. Add the billing, tax and operations your business needs.
Explore this model ↗02 / MERCHANT OF RECORD
Let an MoR handle the sale
A contractual seller for supported transactions. Tax handling, product rules and payout terms come together.
Explore this model ↗03 / COMMERCE PLATFORM
Make selling simpler
Storefront, delivery or billing tools. Check which external payment gateway you still need.
Explore this model ↗SIDE BY SIDE
Get past the “it depends.”
THE FIELD GUIDES
The details worth knowing.
FIELD GUIDE 01
Alternatives that do not need your own Stripe account
Account independence, ownership and infrastructure are three different questions.
↗FIELD GUIDE 02The complete SaaS payment fee stack
Processing is the first line of the calculation, not always the last.
↗FIELD GUIDE 03Holds, reserves and payout delays
The time a payment succeeds and the time cash reaches your bank are different.
↗
THE PERSON BEHIND PAYMENTSRANK
Made by Alexander Isora.
I built PaymentsRank to help founders find their next payment provider, with the fees, country coverage and trade-offs in one place.
Follow @alexanderisorax