Stripe
by Stripe, Inc. · Payment Processing
Online and in-person payments platform with billing, tax, fraud tools, and ERP connectors.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
NetSuite
SAP S/4HANA- Deployment
- Cloud
- Company size
- SMB, Mid-market, Enterprise
- Pricing
- Interchange-plus / blended per-transaction pricing; country-specific published rate card
- Founded
- 2010
- Headquarters
- South San Francisco, California, United States
Overview
Stripe is a financial infrastructure platform that lets businesses accept online and in-person card payments, and layer on adjacent financial products such as subscription billing, invoicing, tax calculation and filing, fraud detection, and marketplace payouts. It is used by businesses ranging from individual developers to large enterprises; Stripe reports that roughly 50% of Fortune 100 companies have used its products and that it processed US$1.9 trillion in payment volume in 2025 across more than 135 currencies and payment methods.
The core product accepts payments through prebuilt UI components (Elements, Checkout, Payment Links) or a low-level API, and can be extended with Stripe Billing for recurring revenue and usage-based pricing, Stripe Tax for automated sales tax/VAT/GST calculation and filing, Stripe Radar for AI-based fraud scoring, Stripe Terminal for in-person card readers, and Stripe Connect for platforms and marketplaces that split payments across multiple parties. Stripe Sigma and a Data Pipeline product expose transaction data for SQL reporting and warehouse sync (Snowflake, Redshift, Databricks, BigQuery).
For ERP buyers, Stripe documents two vendor-built integrations: the Stripe Connector for NetSuite, which automates cash reconciliation and records invoices, payments, refunds and payouts in NetSuite, and the certified Stripe Adapter for the SAP Digital Payments Add-on (DPA), which adds Stripe payment processing to SAP S/4HANA Private or Public Cloud with automatic bank reconciliation. Stripe is privately held, founded in 2010 by Patrick and John Collison, and headquartered in South San Francisco, California, with a second headquarters in Dublin, Ireland.
Screenshots & demo
Screenshots sourced from Stripe, Inc..
Features & capabilities
Payments and Checkout
Core online payment acceptance across channels and geographies.
- Prebuilt UI components: Payment Element, Checkout, Payment Links
- Support for 135+ currencies and payment methods
- Buy now, pay later via Klarna (from 4.99% + fixed fee)
- Elements SDKs for custom-branded checkout flows
- Recurring and one-off payment support
In-Person Payments (Terminal)
Card-present payment acceptance with Stripe-supplied hardware.
- Stripe Reader S700/S710, WisePad 3, WisePOS E and M2 hardware
- Tap to Pay on iOS and Android (no extra hardware)
- EMVCo Level 1 and 2 and PA-DSS certified
- Centralized device and location management in the Dashboard
- POS integrations including Oracle Opera, Simphony, Xstore and Cegid
Billing and Revenue Management
Subscription, invoicing and revenue-recognition tooling.
- 15+ pricing models: flat-rate, per-seat, tiered, usage-based
- Usage-based metering (via Metronome) handling up to 100K events per second
- Automated recurring and one-off invoicing with a self-serve customer portal
- Smart Retries dunning automation, recovering 55% of failed payments on average
- Automated ASC 606 / IFRS 15 revenue recognition
Tax Compliance
Automated tax calculation, registration monitoring and filing.
- Automatic tax calculation across 600+ product tax categories
- Coverage across 100+ countries and all US states
- US filing from the Dashboard (powered by TaxJar)
- Global filing in 90+ countries via Taxually, HOST and Marosa
- Registration-threshold monitoring and VAT ID validation
Fraud and Risk (Radar)
AI-based fraud detection and dispute management.
- Machine-learning risk scoring trained on 70+ trillion network data points
- 32% average reduction in fraud reported by Stripe
- Customizable rules engine for business-specific risk thresholds
- Dispute management via Verifi and Ethoca partnerships
- Smart Disputes: automated evidence submission for chargebacks
Platforms and Marketplaces (Connect)
Payment splitting and payouts for platform/marketplace businesses.
- Split charges between a platform and connected seller accounts
- Platform pricing tool to set custom processing fees for connected accounts
- Configurable onboarding and identity verification for connected accounts
- Embedded components for connected-account dashboards
- Stripe Tax and Radar available on Connect transactions
ERP and Accounting Integrations
Vendor-built connectors that sync Stripe activity into ERP systems.
- Stripe Connector for NetSuite: automated customer, invoice and A/R record creation
- Automatic reconciliation of NetSuite charges, refunds, payouts and disputes
- Free self-serve NetSuite payment-link version (no data sync) as a lighter-weight option
- Certified Stripe Adapter for SAP Digital Payments Add-on on SAP S/4HANA Private/Public Cloud
- Data warehouse sync to Snowflake, Redshift, Databricks and BigQuery
- Stripe Sigma for SQL-based reporting on transaction data
Common use cases
- Accepting online card payments and local payment methods for an e-commerce or SaaS business
- Running usage-based or tiered subscription billing for a software company
- Automatically reconciling Stripe charges, refunds, payouts and disputes into NetSuite without custom development
- Adding certified Stripe payment processing to an SAP S/4HANA environment via the SAP Digital Payments Add-on
- Calculating, collecting and filing sales tax, VAT or GST automatically across multiple countries and US states
- Reducing card fraud and managing chargebacks with Radar machine-learning risk scoring and Smart Disputes
- Building a marketplace or platform that splits payments and payouts across multiple connected sellers
- Taking in-person card payments at retail or hospitality locations with Stripe Terminal hardware
Strengths & considerations
Strengths
- Two vendor-built ERP integrations documented directly by Stripe: the Stripe Connector for NetSuite and the certified Stripe Adapter for SAP Digital Payments Add-on on SAP S/4HANA
- Very large processing scale (US$1.9 trillion in 2025) feeding a network-effect fraud model (70+ trillion data points for Radar)
- Single platform spans payments, billing, tax, fraud, and marketplace payouts rather than requiring separate point solutions
- No setup, monthly or account-closure fees for standard online payment processing
Considerations
- The full data-syncing version of the Stripe Connector for NetSuite requires contacting Stripe for implementation; the free self-serve version only accepts payments via a payment link without syncing records to NetSuite
- Published processing rates are country-specific and geo-detected on stripe.com/pricing rather than shown as one global rate
ERP integrations
Automates customer/invoice/A-R creation and reconciles charges, refunds, payouts and disputes; a free self-serve payment-link-only version is also available.
Works on SAP S/4HANA Private or Public Cloud with no additional configuration; supports 40+ payment methods and automates bank reconciliation. The adapter itself is free; SAP charges apply for DPA usage.
Pricing
No setup, monthly, or account-closure fees for standard online payments. Stripe's pricing page (stripe.com/pricing) geo-detects the visitor's country and shows local-currency rates; as published for UK merchants (fetched 2026-08-12): online card payments from 1.5% + 20 pence for standard domestic cards (higher for premium/international cards, plus a currency-conversion fee); in-person Terminal payments 1.4% + 10 pence (EEA) or 2.9% + 10 pence (non-EEA); Bacs Direct Debit 1% (min 20 pence, capped at GBP 4.00). Add-on products are also usage-priced: Stripe Billing is 0.7% of billing volume pay-as-you-go or from GBP 450/month on an annual plan; Stripe Tax is 0.5% per transaction (Basic) or from GBP 70/month (Complete); Stripe Radar is from GBP 8/month or GBP 0.04 per screened transaction; the SAP DPA adapter itself is free. Exact USD figures for US-based accounts are published at stripe.com/pricing. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS / API platform
- Compliance
- PCI Service Provider Level 1, SOC 1, SOC 2 Type II, SOC 3, EMVCo Level 1 and 2 (Terminal), PA-DSS (Terminal)
- Mobile app
- Yes
- Languages
- English
About the vendor
- Founded
- 2010
- Headquarters
- South San Francisco, California, United States
- Employees
- ~8,500
- Ownership
- Private
Alternatives to Stripe in Payment Processing
Stripe — frequently asked questions
Does Stripe integrate with NetSuite?
Yes. The Stripe Connector for NetSuite automates cash reconciliation and records Stripe invoices, payments, refunds, payouts and disputes in NetSuite. A free, self-serve version that only accepts payments via a payment link (without syncing data) is also available.
Does Stripe work with SAP S/4HANA?
Yes, via the certified Stripe Adapter for the SAP Digital Payments Add-on (DPA), which works on SAP S/4HANA Private or Public Cloud with no additional configuration and automates bank reconciliation. The adapter is free; usage charges from SAP for the DPA itself still apply.
How much does Stripe cost?
Stripe publishes country-specific rate cards with no setup or monthly fees for standard online payments; rates and currency shown on stripe.com/pricing depend on the visitor's detected country. Add-on products like Billing, Tax and Radar are priced separately, either as a percentage of volume or a flat monthly fee.
Is Stripe PCI compliant?
Yes. Stripe is certified to PCI Service Provider Level 1, the most stringent level in the payments industry, and produces annual SOC 1 and SOC 2 Type II reports plus a public SOC 3 report.
How large is Stripe's payments network?
Stripe processed roughly US$1.9 trillion in payment volume in 2025 across 135+ currencies and payment methods, and reports that about 50% of Fortune 100 companies have used its products.
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