Start with a developer-first processor (optimize conversion + control)
Stripe is the default starting point for most new payment integrations because the developer experience is the best in the market — documentation, SDKs, and the API design make integration faster than alternatives. Stripe handles payment methods, subscriptions, invoicing, and fraud in one platform. The reason to evaluate alternatives is usually cost (Stripe's 2.9% + $0.30 adds up at volume), geographic coverage gaps, or specific payment method requirements (ACH, local payment methods, card-present retail) that Stripe doesn't cover as well.
- Recommendation: Stripe, Braintree, AuthorizeNet
Recommended starting points
Based on your constraints, these products typically fit best. Read each decision brief to confirm pricing behavior and limits match your reality.
Stripe
Stripe is a developer-first payments platform offering comprehensive payment processing, billing automation, fraud prevention, and financial tools. Known for best-in-class developer experience with ex
Braintree
Braintree is PayPal's end-to-end payment platform designed for growth, offering card processing, PayPal/Venmo integration, ACH payments, and fraud tools. Uniquely positioned to leverage PayPal's ecosy
AuthorizeNet
Authorize.Net is an established payment gateway (since 1996) offering reliable card processing with monthly fees and per-transaction pricing. Known for stability and extensive integration ecosystem bu
Why this recommendation
Stripe is the default starting point for most new payment integrations because the developer experience is the best in the market — documentation, SDKs, and the API design make integration faster than alternatives. Stripe handles payment methods, subscriptions, invoicing, and fraud in one platform. The reason to evaluate alternatives is usually cost (Stripe's 2.9% + $0.30 adds up at volume), geographic coverage gaps, or specific payment method requirements (ACH, local payment methods, card-present retail) that Stripe doesn't cover as well.