PaySimple vs. Stripe Comparison


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		Related Products EBizCharge EBizCharge is the leading embedded payments application for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP. Companies use EBizCharge to: ◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart ◉ Automate billing and reconciliation to save time and reduce errors ◉ Speed up collections with easy billing tools: payment links, online customer portal, recurring billing, saved cards, and more ◉ Reduce risk with enterprise-grade security certified by the PCI-Security Council: PCI-compliance, encryption, and tokenization 208 Ratings Visit Website Melio Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go. 2,212 Ratings Visit Website Odoo Odoo is a fully integrated, customizable, open-source software packed with hundreds of expertly designed business applications. Odoo’s intuitive database is able to meet a majority of business needs, such as: CRM, Sales, Project, Manufacturing, Inventory, and Accounting, just to name a few. Odoo is an all-in-one software solution designed to meet the needs of companies, regardless of their size (or budget). The unbeatable, seamless nature of Odoo helps businesses become more efficient by reducing redundant manual processes, which helps companies save countless hours of labor. Every module is interconnected to provide a fully-integrated experience from app to app, and users can automate many processes that would’ve otherwise required manual inputs into multiple applications. Odoo keeps all business functions in one place, allowing teams to collaborate with other departments from one unified platform in the most efficient way possible. 1,729 Ratings Visit Website Sage Intacct Sage Intacct is a premier cloud-based financial management software designed for growing businesses. It offers comprehensive features including core financials, accounts payable and receivable, cash management, and multi-entity consolidations. Sage Intacct's advanced modules cater to complex financial needs, ensuring scalability as your business grows. The software integrates seamlessly with other business applications, providing real-time financial and operational insights. Its user-friendly interface and customizable dashboards empower your team to adapt quickly and make data-driven decisions. Sage Intacct's robust reporting capabilities and automation of key financial processes help improve accuracy, efficiency, and compliance. Trusted by thousands of organizations, Sage Intacct streamlines financial operations, enhances visibility, and drives business growth. With award-winning customer support and continuous innovation, Sage Intacct is your partner. 8,791 Ratings Visit Website Xero Save 80% for 4 months on Xero's award-winning accounting and online bookkeeping platform for businesses of all sizes and stages of growth. Beautifully simple, Xero covers a wide range of features that help businesses manage their finances effortlessly, including invoicing, inventory, bank connections, payroll, reporting and more. Xero also offers users free online support 24/7. Xero offers a robust ecosystem of connected apps and integrations with banks and financial institutions, enabling small businesses to access a wide range of solutions within Xero's open platform to streamline operations and manage finances. Additionally, accounting and bookkeeping firms benefit from efficient compliance tools, advanced practice management software, and a cloud-based unified accounting ledger for all clients, centralized in one place. 6,132 Ratings Visit Website Revaly Revaly is a Payment Performance Management platform designed to ensure that every legitimate transaction succeeds, protecting the recurring revenue businesses depend on. It uses exclusive issuer signals, network intelligence, and AI-powered optimization to maximize payment approvals across the entire lifecycle. By preventing avoidable failures at the first attempt and intelligently recovering declined payments, Revaly reduces involuntary churn and strengthens customer relationships. The platform continuously analyzes routing errors, behavioral patterns, and ecosystem signals to turn unpredictable payments into predictable revenue. Subscription-based companies rely on Revaly to lift approval rates and compound revenue growth without disrupting their existing billing stack. With over 100 integrations, the system fits seamlessly into current workflows while delivering measurable, long-term financial impact. 7 Ratings Visit Website Datagate Telecom Billing Datagate is a SaaS, telecom billing solution for MSPs that sell UCaaS, VoIP, mobile voice & data services under their own brand. Datagate integrates with popular software systems that MSPs use including ConnectWise Manage, QuickBooks, Xero, Stripe, Authorize.net and others. Suitable for MSPs in USA, Canada, UK, Australia and New Zealand; Datagate & partners handle all telecom tax & compliance requirements. 12 Ratings Regpack Regpack is an online registration and payment platform built for programs, not subscriptions. It centralizes enrollment, data collection, and payments in a single system, so you can manage participants, streamline operations, and eliminate manual processes. Used by camps, courses, afterschool programs, and multi-program organizations, Regpack connects registration forms, payment workflows, and reporting in a way subscription billing tools can't. Instead of forcing your process into recurring billing logic, Regpack is designed to reflect how programs actually operate, from first sign-up through final payment. With features like customizable registration flows, flexible payment plans, automated invoicing and reminders, and real-time reporting, Regpack gives you full visibility into your enrollment and revenue. Whether you are running a single program or managing multiple sessions and locations, everything stays connected in one place. 393 Ratings Visit Website Square POS Square POS is a simple and intuitive point-of-sale (POS) solution that delivers a robust set of tools for sales tracking, inventory, online payment processing, digital receipts, and analytics. Available for Android and iOS devices, Square POS provides a recording of transactions offline by storing data locally and then automatically syncing all information when their is an Internet connection. Additionally, Square POS enables users to seamlessly manage details, such as names, prices, and quantities and provides features such as a barcode scanner, discounts, credit card processing, gift cards, refunds, and more. Whether or not your business has a brick-and-mortar location, building a robust online presence can help you engage customers from a distance. Square’s online solutions work with any of the above point-of-sale systems, or you can use them on your own. We give you the tools to create thumb-stopping, compelling, and on-brand ads that perform. 765,336 Ratings Visit Website PayKings PayKings is a merchant account provider that helps businesses secure payment processing services in industries often rejected by traditional payment processors. The platform offers merchant accounts, payment gateways, and payment processing solutions designed to support businesses with specialized risk profiles. What is a high risk merchant account? A high risk merchant account is a payment processing account for merchants that are classified in a high risk category. They require high risk credit card processing solutions. The PayKings Team can get you approved today for a low to high risk merchant account for B2B, eCommerce, or Retail at reduced rates and fees. Credit repair merchant accounts are essential for companies in the credit repair space. You provide credit solutions to your customers and we’ll take care of the payment processing. Selling any type of merchandise through an ecommerce store has its risks. 105 Ratings Visit Website
About PaySimple is the leading payments management solution for service-based businesses, powering the cashflow of over 20,000 companies nationwide. PaySimple builds long-term partnerships with companies to drive growth providing flexible payment and billing solutions and personalized customer service to suit their distinct business needs. With a robust API, PaySimple is a trusted technology partner for payment integrations; natively handling cashflow within SaaS products and mobile applications.	About The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported
Audience Small to mid-sized businesses that have a recurring client base or are looking to accept payments and manage customers in one complete system.	Audience Individuals or companies that accept payments online
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Not Supported 24/7 Live Support Supported Online Supported
API Offers API Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing $59.95/month + transaction fees as low as 2.49% + 29 cents Free Version Not Supported Free Trial Supported	Pricing 2.9% + 30¢ per charge Custom enterprise pricing available Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 5.0 / 5 design 5.0 / 5 support 5.0 / 5 Read all reviews	Reviews/Ratings Overall 4.1 / 5 ease 4.4 / 5 features 4.1 / 5 design 4.6 / 5 support 3.8 / 5 Read all reviews
Pros & Cons from Real Users Pros The great part about PaySimple, is that they're constantly improving their software. Their mobile app used to be terrible, and now it's great. Their online/browser software is incredibly easy to use. Cons I don't like that you have to use their legacy software to manage payments. make it all the same.	Pros & Cons from Real Users Pros Setting up Stripe is easy, I can even say that you can access this payment processor as soon as you open your account on this platform, so you won't have to wait long days for approval to receive payments, but simply it's an easy sign up and then start using. Another advantage of ease that allows the practical use of Stripe is its interface and it is not very difficult to understand the features it offers, so I can safely say that the way in which this platform can be used is intuitive, making it like this, As I mentioned at the price, a very easy platform to use. The commissions are really low, there is not even a subscription wall in front of you, there are only commissions for transactions that are made, and they are really very low and accessible for any type of business. Other payment processors have subscriptions that can be detrimental since if sales are not generated then there is a loss just by having the payment processor active without doing anything, so Stripe is a good option to "charge" only when a payment occurs payment and not because there are subscriptions involved. I am aware that there are some small things that can be expensive, such as the conversion, since accepting international payments can be expensive just because you have to charge for the conversion and then the transaction, thus having a double charge. It could be solved if only the currency was left as I am receiving it and oneself makes the exchange on another platform or within the same bank account, if possible, I am last, since the bank would have to allow it. Another feature of Stripe that I can't forget to mention is the integration with multiple platforms since I can integrate this payment processor with other platforms to be able to link payments with what I need. For example, I can process a payment with this platform and link the agreements with DocuSign in order to have a centralization of customer information and thus not generate invoices manually, but with the same contract that DocuSign offers me, include it automatically with the payments made. via Stripe. I can also have the accounts of the clients in Salesforce included in the payments made with Stripe in order to have everything connected and centralized without having to link everything manually or have another platform to "link" everything, noting that a payment is from this client or this other, simply to avoid confusion and make everything much easier with payments. API is incredible, it’s obvious how much detail and attention the team at stripe pays to their APIs, it’s a developers dream with how it works. One of the key features is the ease of integration and the multiple ways to offer payments to users from subscriptions and billing systems to invoicing. Another pro of Stripe is how easily you can build and run your payments infrastructure on their system. They offer other services like financing, card issuing, business spend and fraud protection to make sure you have everything you need. Another thing id point out is that it feels like they move with the times as well, when they launched products like Atlas and Crypto, it felt like they were constantly adapting to the needs of their customers every step of the way. This product was extremely easy to setup. We worked on it as a team for 1 hour and we had fully integrated with our website for processing payments and taking orders. The way the product notifies you when a payment is coming helps us to keep up to date with our orders and make sure that we don't fall behind. Stripe is the de facto payment processing solution for thousands of businesses around the world. It does everything we need it to. We use it for accepting online payments and sending invoices. Easy to sign up and easy-to-use application. Technically great, and offers a lot of useful payment methods worldwide. Cons It's amazing how difficult it can be to try to contact support on this platform. The randomness of tech support makes it very unpredictable whether someone will provide an answer or I'll just have to be answered by a bot which doesn't fix anything I'm asking about. I can't even count on live assistance through chat since it is not available all the time, having to opt for traditional methods such as email, slowing down the process of finding solutions by this company since that it takes time to get a response by email which can take up to weeks to be able to have technical assistance by that means. Of all the times I have had to seek help from Stripe support, more than half or the vast majority of answers were not very useful, having answers that are constantly repeated, which is very annoying because I can never find an accurate answer to what I am asking. Also, if I get involved in solving something or getting an answer about such a thing, in most cases they answer me with I will have assistance after talking with technical experts who address the issue more and I would have to wait for an answer that I will get when Stripe support team pleases you. I hope I don't have to assume that Stripe's support team is a small handful of people, which is unheard of for the number of businesses that use this payment processing platform. Just as the commissions are very low, they should also lower the settlement time since it takes approximately 7 days for the payments to be processed in my bank account, so the cash closing is practically slow compared to other payment processors. I understand that payments cannot be made on the same day, but the time should not be that long either, since payments would have to be managed very slowly due to the long time Stripe takes to reflect all payments, so a week seems like a long time to me. This is not an inconvenience that prevents the daily use that is normally given to this platform, but it would not hurt if payments could be processed quickly, it is an inconvenience which, if it did not take so much time, could allow me to have a better workflow than the one I currently have when receiving payments from clients and see that reflected in my bank account in a short time. Their API documentation is amazing, but implementing it was a little tricky when we first started, I also think Stripe isn’t up there yet with Square (Now Block) when it comes to the physical aspect of supporting small businesses and collecting payments. Processing fees are more expensive than we would want. I guess this comes with the ease of setting it up. Eventually we will consider the processing fees more closely once we are hitting our bigger transaction goals. We haven't had any issues with Stripe thus far. Does everything we need it to. They lure you! It's too easy to set up and initially be accepted! The problem starts first when your sales pickup. They let me sign up and paid me twice a month; after 8 weeks, my TTV increased in a healthy way as I added more of their offered payment methods and countries. But instead of paying me the same way, as usual, they put the payment on hold and asked questions. As soon I answered their question, additional questions were asked by always different people, and as well some of the questions were duplicated. Four weeks passed now and all payments are still on hold in total approx, US$450.000! Support-wise, they give you the runaround, and finally, it was escalated, and I received the message that my Travel business is a big risk for them. But no explanation of a payment schedule and how they will pay me for the outstanding amount.! In my opinion, this is criminal! They let me sign up and accept my business transaction but when sales picked up. They stopped paying.
Training Documentation Supported Webinars Supported Live Online Supported In Person Not Supported	Training Documentation Not Supported Webinars Supported Live Online Not Supported In Person Not Supported
Company Information PaySimple Founded: 2005 United States www.paysimple.com	Company Information Stripe Founded: 2009 United States www.stripe.com
Alternatives Amazon Pay Amazon	Alternatives NMI Payments NMI
ChargeOver	Square Payments Block
Plastiq	Convesio
BlueSnap	Razorpay
Mollie View All	Exact Payments View All
Categories Accounts Receivable Supported Billing and Invoicing Supported eCommerce Tools Supported Payment Gateways Supported Payment Processing Supported Point of Sale Supported Recurring Billing Supported Subscription Management Supported White Label Payment Gateways Supported	Categories Agentic Commerce Supported Stripe Agentic Commerce is a new infrastructure standard that enables AI agents to securely facilitate buying and selling on behalf of customers. It introduces the Agentic Commerce Suite, allowing businesses to publish products across AI-powered surfaces while retaining control as the merchant of record. Through a single integration, companies can manage discovery, checkout, and payments across compatible AI agents. The system is powered by the open-source Agentic Commerce Protocol (ACP), which enables programmatic transactions between buyers, AI platforms, and businesses. Stripe provides fraud protection through Radar and Shared Payment Tokens to reduce AI-driven transaction risk. The solution supports physical goods, digital products, subscriptions, and asynchronous purchases. Stripe Agentic Commerce expands how businesses reach customers in AI-driven environments while maintaining security and compliance. Bank Verification Supported Billing and Invoicing Supported Embedded Finance Supported Embedded Payments Supported Invoice Generators Supported Payment Facilitation (PayFac) Supported Payment Gateways Supported Payment Processing Supported Subscription Management Supported Virtual Terminals Supported
Billing and Invoicing Features Billing Portal Supported Contact Database Supported Contingency Billing Supported Customer Portal Supported Customizable Invoices Supported Dunning Management Supported Hourly Billing Not Supported Invoice History Supported Mobile Payments Supported Multi-Currency Not Supported Online Invoicing Supported Online Payments Supported Payment Processing Supported Project Billing Supported Recurring/Subscription Billing Supported Service Ticket Billing Not Supported Tax Calculator Supported Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Not Supported PCI Compliance Supported Point-of-Sale (POS) Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported Show More Features Accounts Receivable Features ACH Payment Processing Supported Billing & Invoicing Supported Check Processing Not Supported Collections Management Not Supported Online Payment Processing Supported Overpayment Processing Supported Partial Payments Supported Receivables Ledger Supported Recurring Billing Supported Point of Sale Features Barcode Scanning Not Supported Commission Management Not Supported Cryptocurrency Support Not Supported Customer Account Profiles Supported Discount Management Not Supported eCommerce Integration Supported Electronic Signature Not Supported Gift Card Management Not Supported Loyalty Program Not Supported Multi-Location Supported Restaurant POS Not Supported Retail POS Supported Returns Management Not Supported Recurring Billing Features Customer Portal Supported Deferred Billing Not Supported Discount Management Not Supported Dunning Management Supported Invoice History Supported Multi-Currency Not Supported Multi-Period Recurring Billing Supported Payment Processing Supported Recurring Donations Supported Subscription Billing Supported	Billing and Invoicing Features Billing Portal Supported Contact Database Supported Contingency Billing Supported Customer Portal Supported Customizable Invoices Supported Dunning Management Supported Hourly Billing Not Supported Invoice History Supported Mobile Payments Supported Multi-Currency Supported Online Invoicing Supported Online Payments Supported Payment Processing Supported Project Billing Not Supported Recurring/Subscription Billing Supported Service Ticket Billing Not Supported Tax Calculator Supported Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Supported PCI Compliance Supported Point-of-Sale (POS) Not Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Not Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported
Integrations Chargeback Gurus Supported Desktop.com Supported Post Affiliate Pro Supported QuickBooks Online Supported Shift Supported TeamUp Supported CRM Pro Not Supported CheckoutAlarm Not Supported DocSales Not Supported Engage Not Supported Flxpoint Not Supported Fullstack HQ Not Supported Grow In Cloud Not Supported Invoce.ai Not Supported Launch27 Not Supported Now Book It Not Supported Populi Not Supported Rounded Not Supported Taskrol Not Supported WildJar Not Supported Show More Integrations View All 14 Integrations	Integrations Chargeback Gurus Supported Desktop.com Supported Post Affiliate Pro Supported QuickBooks Online Supported Shift Supported TeamUp Supported CRM Pro Supported CheckoutAlarm Supported DocSales Supported Engage Supported Flxpoint Supported Fullstack HQ Supported Grow In Cloud Supported Invoce.ai Supported Launch27 Supported Now Book It Supported Populi Supported Rounded Supported Taskrol Supported WildJar Supported Show More Integrations View All 3323 Integrations
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