Payment Processors & SDKs
Payment SDKs and processors compared by region coverage and local methods — pick what actually works per country.
alternatives (22)
★ Stripe
Best for: Global SaaS & subscriptions
Developer-first global payments with excellent APIs, billing, and a huge integration ecosystem.
- +Best-in-class DX
- +Billing & invoicing
- +Wide coverage
- −Limited in some LatAm/EM markets
dLocal
Best for: Emerging-market coverage
One API for emerging markets, with deep local payment methods across LatAm, Africa, and Asia.
- +Deep local rails
- +Emerging markets
- −Less plug-and-play DX
Mercado Pago
Best for: LatAm sellers
Dominant LatAm processor with Pix, installments, wallet, and strong local conversion.
- +Pix & installments
- +High local trust
- −LatAm-focused
Bold
Best for: Colombia payments
Colombian fintech for in-person and online payments with local methods and quick onboarding.
- +Fast local onboarding
- +In-person + online
- −Colombia-centric
PayPal
Best for: Familiar global checkout
The most widely recognized wallet and checkout, accepted almost everywhere with strong buyer trust.
- +Global reach
- +High buyer trust
- +Easy to add
- −Higher fees
- −Account holds
Adyen
Best for: Enterprise & omnichannel
Enterprise-grade global processor with one platform for online, in-store, and 100+ local methods.
- +One global platform
- +100+ methods
- +Online + in-person
- −Enterprise onboarding
- −Higher minimums
Square
Best for: Retail / POS + online
Payments for retail and services — strong in-person POS plus online, popular with SMBs.
- +Great POS hardware
- +Online + in-person
- +Simple pricing
- −Fewer countries
Paddle
Best for: SaaS without tax headaches
Merchant of record for software — it handles global sales tax/VAT, billing, and compliance for you.
- +Handles global tax/VAT
- +Merchant of record
- +Subscriptions
- −SaaS/digital only
- −Higher fees
Lemon Squeezy
Best for: Indie digital products
Merchant of record for indie makers selling digital products and SaaS — tax and checkout handled.
- +Merchant of record
- +Fast setup
- +Indie-friendly
- −Digital goods only
Mollie
Best for: European SMBs
European payments with deep local methods and a clean developer experience.
- +Strong EU local methods
- +Clean API
- +Transparent pricing
- −Europe-focused
Razorpay
Best for: Indian businesses
India's leading payments suite with UPI, cards, netbanking, and full business banking.
- +UPI & all India methods
- +Full suite
- +Great docs
- −India-only
Paystack
Best for: African businesses
Modern, developer-friendly payments across Africa (Nigeria, Ghana, South Africa, and more).
- +Great DX
- +African local methods
- +Reliable
- −Limited to its markets
Flutterwave
Best for: Pan-African coverage
Pan-African payments with broad local methods including mobile money across many countries.
- +Many African countries
- +Mobile money
- +Cross-border
- −Coverage/quality varies by country
Xendit
Best for: Southeast Asia
Leading Southeast Asia payments (Indonesia, Philippines, and more) with deep local methods.
- +SEA local methods
- +E-wallets
- +Strong in ID/PH
- −SEA-focused
Conekta
Best for: Mexican market
Mexican payments platform with cards plus key local methods like OXXO cash and SPEI transfers.
- +OXXO & SPEI
- +Local acquiring
- +Good docs
- −Mexico-only
Clip
Best for: Mexican POS + online
Mexico's popular POS and online payments provider — card terminals plus online checkout and installments (MSI).
- +Strong POS hardware
- +MSI installments
- +SMB-friendly
- −Mexico-only
Pagar.me
Best for: Brazilian developers
Brazilian developer-first processor (Stone) with Pix, boleto, and cards through one API.
- +Pix & boleto
- +Developer-friendly
- +Full API
- −Brazil-only
PagBank (PagSeguro)
Best for: Brazilian SMBs
One of Brazil's largest payment providers, covering Pix, boleto, cards, and a digital account.
- +Huge BR reach
- +Pix & boleto
- +Digital account
- −Brazil-only
Braintree
Best for: Cards + PayPal/Venmo in one
PayPal's developer-grade gateway — accept cards, PayPal, and Venmo through one global integration.
- +Cards + PayPal + Venmo
- +Strong SDKs
- +Global
- −PayPal ecosystem lock-in
Venmo
Best for: US consumer checkout
US consumer wallet (PayPal-owned) you can accept at checkout for social, mobile-first audiences.
- +Trusted by US consumers
- +Mobile-first
- +Via PayPal/Braintree
- −US-only
Payoneer
Best for: Cross-border payouts
Global cross-border payouts and receiving accounts — popular for marketplaces, freelancers, and paying contractors worldwide.
- +Global payouts
- +Multi-currency accounts
- +Marketplace-friendly
- −Less for consumer checkout
Authorize.Net
Best for: Classic US gateway
Long-standing US-focused payment gateway, often paired with a traditional merchant account.
- +Mature & stable
- +Widely supported
- +Fraud tools
- −Dated DX
- −Needs merchant account
Compare
Tick the ones you want to compare
| Alternative | Regions | Local methods | Best for | Payouts |
|---|---|---|---|---|
| ★Stripe | Global (40+) | Cards, wallets, ACH | SaaS / subscriptions | Fast |
| dLocal | LatAm / Africa / Asia | Local rails, cash, transfers | Cross-border EM | Local |
| Mercado Pago | LatAm | Pix, installments, wallet | Brazil / Argentina / Mexico | Local |
| Bold | Colombia | PSE, cards, QR | Colombian merchants | Local |
| PayPal | Global (200+) | PayPal wallet, cards | Consumer trust | Standard |
| Adyen | Global | 100+ local methods | Large / omnichannel | Standard |
| Square | US / CA / UK / AU / JP / IE | Cards, tap-to-pay, in-person | Brick-and-mortar + online | Fast |
| Paddle | Global (MoR) | Cards, PayPal, wallets | SaaS / digital goods | Standard |
| Lemon Squeezy | Global (MoR) | Cards, PayPal | Indie SaaS / downloads | Standard |
| Mollie | Europe | iDEAL, SEPA, Bancontact | EU online stores | Local |
| Razorpay | India | UPI, cards, netbanking | Indian market | Local |
| Paystack | Africa (NG/GH/ZA/KE) | Cards, transfer, USSD | African online business | Local |
| Flutterwave | Africa (pan) | Cards, mobile money, bank | Multi-country Africa | Local |
| Xendit | SE Asia (ID/PH/MY) | E-wallets, bank, cards | Indonesia / Philippines | Local |
| Conekta | Mexico | Cards, OXXO, SPEI | Selling in Mexico | Local |
| Clip | Mexico | Cards, terminals, MSI | In-person + online MX | Local |
| Pagar.me | Brazil | Pix, boleto, cards | Dev-built BR checkout | Local |
| PagBank (PagSeguro) | Brazil | Pix, boleto, cards | Mainstream BR business | Local |
| Braintree | Global (45+) | Cards, PayPal, Venmo, wallets | US/global with PayPal | Standard |
| Venmo | US | Venmo wallet | US mobile shoppers | Standard |
| Payoneer | Global (190+) | Bank, card, local transfer | Payouts & freelancers | Global |
| Authorize.Net | US / CA / UK / EU / AU | Cards, e-checks | Traditional US merchants | Standard |
Which payment SDK to use depends heavily on where your customers are. Stripe wins on developer experience globally, but local and regional processors often convert far better in their market — Mercado Pago and dLocal in LatAm, Razorpay in India, Paystack and Flutterwave in Africa, Mollie in Europe, Xendit in Southeast Asia, and Adyen/PayPal/Square worldwide. If you sell software and want tax handled for you, a merchant of record like Paddle or Lemon Squeezy is easiest. Tick the ones you care about in the comparison and match a processor to each country you sell in.