Switching · from Stripe
Need a Stripe alternative? Here’s what changes, in plain numbers.
If you’re shopping for a Stripe alternative, start with the numbers. Stripe is built for developers and it’s genuinely good at that. Where it gets uncomfortable is slower standard payouts, a fee to get your money faster, and a firearms policy that leaves gun businesses approved case by case and revocable. Here’s the policy, the fee math, and what moving actually involves.
No cost to review. You get the dollar difference in writing — or we tell you if switching wouldn’t help.
Why people leave Stripe
- Standard payouts on a T+2 schedule
- 1.5% to get an Instant Payout
- Firearms restricted and revocable
- A direct line to the person who built your file
Underwritten properly once · Next-day funding · Talk to a real person: [direct line]
A Stripe alternative on interchange-plus
Itemized pricing instead of a blended flat rate, separated into the card networks’ cost and our markup.
Next-day funding, no 1.5%
Eligible batches fund the next business day — no Instant Payout percentage to get your money sooner.
Firearms underwritten once
Stripe lists firearms as restricted and revocable; we underwrite those businesses properly instead.
What Stripe’s policy says
Firearms: restricted, case by case, revocable.
Stripe does not flatly ban firearms. It lists firearms and regulated parts such as suppressors as restricted — “limited availability” that requires extra due diligence and contacting its team. Stripe also states that approval “may be modified or revoked … at any time.” In plain terms: it’s possible, decided case by case, and it can be taken away. For a firearms business that needs to know the account will still be there next quarter, that uncertainty is the problem — and a common reason to look for a Stripe alternative. We underwrite firearms properly, once. See firearms payment processing →
As of October 2026 — [verify]. Source: Stripe Prohibited & Restricted Businesses · NSSF, Nov 2025.
Fee math
Flat rate versus interchange-plus, at three volumes.
The case for a Stripe alternative usually starts with the fee math. These figures are an industry estimate from Stripe’s published online rate applied to monthly volume — the percentage portion only, before per-transaction cents and card mix. They are not a Moneybox quote. Your real number comes from your statement, not a web page. For why itemized pricing usually wins as you grow, see flat rate versus interchange-plus.
| Monthly card volume | Stripe flat rate (est., % portion) | Moneybox |
|---|---|---|
| $10,000 | ~$290 / mo at ~2.9% | Send your statement |
| $25,000 | ~$725 / mo at ~2.9% | Send your statement |
| $50,000 | ~$1,450 / mo at ~2.9% | Send your statement |
Then there’s timing. Stripe’s standard payouts settle on a rolling T+2 schedule (about two business days), and an Instant Payout costs 1.5%. With Moneybox, next-day funding is included on eligible batches — no percentage for faster access. (As of October 2026 — [verify].)
What changes when you switch
- Pricing moves from a blended flat rate to interchange-plus, itemized every month
- Payout timing improves: next-day funding on eligible batches instead of T+2
- Your checkout’s payment integration changes — we connect a gateway to your existing cart [integration scope]
- Faster money stops costing 1.5%
- Support becomes a person: when a review or a hold hits, you call our team
What stays the same
- Your website, your products and your customers
- You keep taking cards on Stripe until you flip over
- The cards your buyers already use
Backup option: you can keep Stripe live and add a Moneybox account as a second rail, where Stripe’s terms allow it [verify] — so a review on one account doesn’t have to stop sales.
Stripe alternative questions
Does Stripe ban firearms?
No — Stripe lists firearms and regulated parts as restricted, meaning approval is case by case after extra due diligence, and Stripe says it can be modified or revoked at any time. It’s possible but not settled. We underwrite firearms properly, once. See firearms payment processing →
How much faster is funding than Stripe’s T+2?
Stripe’s standard payouts settle on a rolling T+2 (about two business days). With Moneybox, next-day funding is included on eligible batches closed by [cutoff time] — and you’re not paying 1.5% for an Instant Payout to get there.
Will switching break my checkout?
It shouldn’t. We connect a gateway to your existing cart and run a live test before you go live. The payment integration changes behind the scenes [integration scope]; your customers see the same checkout.
How much will I actually save?
A Stripe alternative only makes sense if the math works for you. We don’t publish a savings figure because it depends on your card mix and volume. Send last month’s Stripe statement and we show you the real number — or tell you plainly if switching wouldn’t help.
See your Stripe cost next to ours.
Send last month’s Stripe statement. We reply with your current cost, your Moneybox cost, and the difference in dollars. If switching wouldn’t help, we’ll tell you that too.
Prefer to talk? [call or text our team — number]