Stripe

Stripe processes online payments (cards, wallets such as Apple Pay and Google Pay, local payment methods, direct debit) through a well-documented API along with prebuilt Checkout and Payment Element components that allow integration without handling PCI compliance yourself. Stripe Billing complements this by covering recurring billing (plans, usage-based billing, invoices, automatic retries for failed payments), Stripe Connect enables payouts to third parties for marketplace and platform models, and Radar handles fraud detection.

Stripe is considered the reference standard for developer experience in payments, with extensive documentation, test environments and SDKs for practically every language. The downside lies in the cost structure: on top of the base fee per transaction come surcharges for international cards, currency conversion and optional add-on products such as Billing or Tax, each adding its own percentage. At very high volumes, custom terms can be negotiated.

Stripe is part of the active Voyage stack as the payment layer for SaaS and subscription projects, covering payment processing, recurring billing and technical integration through the API.

Stripe charges a base fee per successful card transaction, typically a percentage plus a fixed amount, with no setup or base fee under the standard model. International cards, currency conversion and add-on products such as Billing or Tax add further percentage points. At high volumes, individually negotiated terms are possible.