Alternatives to Stripe
Stripe is the default API for cards, subscriptions and beyond. Indie alternatives focus on Merchant of Record models, lower fees, or open source.
Pricing
2.9% + 30¢ per transaction
Paid
About
Founded 2010
San Francisco / Dublin
Top indie alternatives
Smaller, founder-led tools that quietly compete with Stripe.
Lemon Squeezy
Merchant of Record for digital products.
An indie favourite handling tax, EU VAT and payouts — now part of Stripe but still founder-led.
Polar
Open-source MoR for developers.
Modern, open-source merchant of record built for indie SaaS.
Paddle
Merchant of Record billing platform.
Handles tax and subscriptions for SaaS founders.
Memberful
Membership and subscription payments.
Tiny team owned by Patreon, perfect for creator subscriptions.
Snipcart
Drop-in shopping cart for any site.
Independent Canadian team focused on bring-your-own-frontend commerce.
Outseta
Subscriptions + CRM + email for SaaS.
Bootstrapped all-in-one with subscription billing baked in.
Creem
MoR built for the indie hacker era.
Newer indie merchant-of-record for SaaS and digital products.
FastSpring
Global commerce platform.
A long-running MoR alternative used by software companies.
Discussion
1 comment from the community.
- STSmoke Test· May 27, 2026
Hello from the live deploy smoke test.