> is there a real alternative that covers what they do?

Have you tried searching the internet for things like "European Stripe alternatives" and things like that? Or you tend to rely on word of mouth and similar?

I won't claim there are 100% replacements available for everything, but for all the basic functionality of Stripe, Cloudflare, AWS and so on there are tons of options out there, seemingly growing every month, but it does require you to proactively go out and look for them, rather than relying on that you've heard about it since before.

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LucaSiviero 3 hours ago | parent | next [-]

I get your point, and even in Italy we have Banca Sella (first one that comes to mind) which is a great way to collect payments with a local processor. But it's not Stripe...

Stripe is not just an integration for Link or Card payments, and payment fees are actually not that bad. Developer experience matters most to me. Plus, I agree there are alternatives to a basic Stripe implementation, but what about Stripe Connect?

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embedding-shape 3 hours ago | parent [-]

Right, because you're looking for a Stripe alternative, none of them will be.

Did you actually try searching what I told you you could use as a search term? Have you looked into Mollie, Adyen, Klarna, Mangopay, Quickpay, etc? The list is quite large, there are options available but again, it requires you to proactively review and compare them, not just throw your hands in the air proclaiming "It's not Stripe".

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khurs 2 hours ago | parent | next [-]

Seems you need to use multiple providers and route payments depending on card type if you want lowest rates. For example, mollie is 2.5% for Amex but Stripe is 1.5% for Amex but or others it swings other way.

> Mollie for UK

- 1.2% + 20p for standard cards

- 2.90% + £0.20 for corporate and European

- 2.50% + £0.20 for Amex

- 3.25% + £0.20 for international

> Stripe for UK

- 1.5% + £0.20 for standards cards inc Amex

- 1.9% + £0.20 for corporate uk cards

- 2.5% + £0.20 for international within Europe

- 3.25% + £0.20 for International + 2% if fx conversion

[0]https://www.mollie.com/gb/pricing#psp-block

[1]https://stripe.com/gb/pricing. (scroll down for list)

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embedding-shape an hour ago | parent [-]

Almost only Americans use Amex though, unless you exclusively target the US market, you can skip it and basically not miss out on a single customer.

	▲	khurs an hour ago \| parent [-]
		In UK Amex are relatively big. They do cards with airlines where the customer can earn free flights and other such reward schemes to attract customers.

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cuu508 3 hours ago | parent | prev [-]

Do you know of any EU payment processor that supports recurring payments like a SaaS would need (subscriptions, subscription state tracking, automatic retries of failed payments)?

I looked but couldn't find any. Adyen does not do this on its own AFAICT, only with 3rd party addons that implement recurring payments on top of it. Mollie claims it does this but is woefully incomplete (no failed payment retries for example), and appears to be all in on slop.

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econ 2 hours ago | parent [-]

Fake news?

> Mollie will retry the failed payment up to 5 times.

https://docs.mollie.com/docs/recurring-payments

	▲	nottorp an hour ago \| parent \| next [-]
		I keep being told Stripe supports 3D Secure (or whatever the marketing name for it is this week) too :) They may but it's not out there in the wild.
	▲	cuu508 an hour ago \| parent \| prev [-]
		Oh, interesting, I stand corrected! I was investigating this 5 months ago and the answer their slop machine gave was: > Does Mollie retry failed payments (dunning) and track subscription states? Mollie does not currently provide automatic dunning or retry logic for failed subscription payments. Subscription states like active or past due are tracked, but you need to implement retry and notification logic in your system. This is a common feature request and may be on the roadmap, but no official release date is available. From your link, note though: > If your subscription payment does not succeed, Mollie may attempt it again up to 5 times (once a day), depending on the failure reason. After all retries have been exhausted, the subscription will be cancelled. If there's a payment issue, I would not consider cancelling the subscription 5 days after the first failure as reasonable. I would expect the subscription to go into "past due" state, and to keep retrying.

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Scroll_Swe 3 hours ago | parent | prev [-]

It's not that they cannot be found.

But are they as good and is one willing to take the risk of putting your business one a smaller company vs one of the big ones?

	▲	embedding-shape 3 hours ago \| parent \| next [-]
		You're not choosing between "Hans with a server in his closest in Germany" and Stripe here, you're choosing between two almost equally established companies that just happen to have different geographic locations and different names. Companies like Adyen are even older than Stripe by some years, and there are tons of examples like this.
	▲	anonzzzies 3 hours ago \| parent \| prev [-]
		That's why I meet with them. I have the mobile number of the ceo of Mollie and can call him in the weekend; compared to the US, we are DEFINITELY not big. But haven't had issues since using them since 2006.