Custom Payment Processing vs Stripe

Developers should consider custom payment processing when building applications that require unique payment workflows, need to comply with specific regional regulations, or aim to reduce transaction fees by integrating directly with payment gateways meets pick stripe when you're a saas or marketplace that wants payments-as-a-product: billing, connect, and radar ship as one api, and the dated-version upgrade model means integrations don't rot. Here's our take.

Custom Payment Processing

Nice Pick

Developers should consider custom payment processing when building applications that require unique payment workflows, need to comply with specific regional regulations, or aim to reduce transaction fees by integrating directly with payment gateways

Pros

• It's particularly useful for high-volume businesses, subscription models with complex billing logic, or platforms that aggregate payments for multiple vendors
• Related to: payment-gateway-integration, pci-compliance

Cons

• Specific tradeoffs depend on your use case

Stripe

Pick Stripe when you're a SaaS or marketplace that wants payments-as-a-product: Billing, Connect, and Radar ship as one API, and the dated-version upgrade model means integrations don't rot

Pros

• Don't pick it at high volume (Adyen's interchange-plus beats Stripe's flat 2
• Related to: stripe-connect, stripe-billing

Cons

• Specific tradeoffs depend on your use case

The Verdict

These tools serve different purposes. Custom Payment Processing is a concept while Stripe is a platform. We picked Custom Payment Processing based on overall popularity, but your choice depends on what you're building.

The Bottom Line

Custom Payment Processing wins

Based on overall popularity. Custom Payment Processing is more widely used, but Stripe excels in its own space.

Related Comparisons