r/PaymentProcessing
Alternatives to Stripe with lower fees and wider country coverage, same kind of API integration?
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Hi all, I've been integrating Stripe (API keys, hosted Checkout, webhooks) and the developer experience is great, but two things keep coming up: Fees - 2.9% + 30¢ in the US adds up fast on low-ticket or high-volume sales. Coverage - Stripe accounts aren't available (or are invite-only) in India, most of Africa, most of Latin America outside Mexico/Brazil, Turkey, Pakistan, Indonesia, the Philippines and most of the Middle East outside the UAE. I'm looking for other processors that work the same way so the integration pattern carries over: You sign up directly with the provider and get your own API keys Hosted checkout page or hosted payment form, so card data never touches your own server/site Webhooks for succeeded / failed / refunded, with signature verification Proper sandbox with test cards Payouts straight to your own bank account Solid docs and a stable API For anyone who has actually used something like this: Which providers fit that list, and in which country? What were the real all-in fees - percentage, fixed fee, FX markup, payout fees, monthly minimums? How was onboarding? Days to approval, documents required, how often do they review or freeze accounts? Any gotchas with webhooks, refunds, disputes or payouts? Which ones also offer local bank/wallet rails (Pix, UPI, SEPA, iDEAL, QRIS, mobile money) through the same API? Those tend to be far cheaper...
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[comment u/kerblamophobe] for the country gaps you listed, airwallex and rapyd cover a good chunk of that (philippines, most of se asia, parts of africa) with the same api-keys/hosted checkout/webhook pattern you're used to from stripe.