Processors

Frame as a Stripe alternative

Frame is a payment facilitator. On November 9, 2026 the rate line is From 2.0% + $0.39. The dispute line is $25. That figure is a floor, not the rate a given business will pay. The provider's own page is the figure a contract will follow.

Published floor. That figure is a floor, not the rate a given business will pay. This directory does not treat it as comparable to Stripe's list price.

Type: Payment facilitator
Pricing: Supports variable rates from 2.0% + $0.39. Custom interchange-plus pricing is available.
Card rate: From 2.0% + $0.39
Dispute fee: $25
Payouts: Instant payouts 1.5% (push to card, or same-day ACH).
Where: United States
Underwriting: Up front, in 24 hours or less. Low, mid, and high risk.
What it replaces: Processing for a US business Frame agrees to underwrite. Not a merchant of record.

Pricing page · Docs · Website

What is Frame?

Frame is a US payment facilitator with card acceptance, KYC and KYB, fraud prevention, dispute management, and risk decisioning in one API. It underwrites the business before processing. The published card price is a floor, and the rate is set from the business's risk.

Frame is a payment facilitator, so the merchant is a sub-merchant of Frame rather than holding a standalone merchant account. The pricing page is explicit that card rates start at 2.0% + $0.39 and are then set for the business. This directory does not treat that floor as a price anyone can count on, and it is left out of the fee calculator and the lowest-fee ranking.

Frame fits when the problem with Stripe is acceptance: the business is in a regulated or higher-risk category, wants the review before the first charge, and sells in the United States. It is the wrong tool when the goal is the lowest flat rate, a merchant of record that files sales tax, a hosted creator store, or processing outside the US.

Acceptance is an underwriting decision. Frame publishes a peptides page for licensed providers, compounding pharmacies, telehealth operators, and wellness platforms, and it still decides each application. A page on this site is not that decision.

Who should choose Frame?

Frame fits: US peptide businesses and other regulated or higher-risk industries that need a decision before they process. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What Frame replaces: Processing for a US business Frame agrees to underwrite. Not a merchant of record. Look elsewhere when you need something outside that.

Underwriting: Up front, in 24 hours or less. Low, mid, and high risk.

How does Frame charge?

Frame has 7 fee lines in this dataset, each read on November 9, 2026. Headline rate: From 2.0% + $0.39. That figure is a floor, not the rate a given business will pay.

Fee	Amount	Source
Card payments	From 2.0% + $0.39 per successful transaction. Frame says the rate is personalized to risk and other factors.	Source
Disputes	$25 per dispute	Source
ACH	0.8% per transaction	Source
Instant payouts	1.5% per transaction	Source
3D Secure	$0.05 per attempt	Source
Sonar fraud monitoring	Included. No separate fee on the pricing page.	Source
Monthly minimum or setup	None on the pricing page.	Source

What does Frame cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

Frame does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00.

Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00).

Where does Frame operate?

Coverage: United States. That is where Frame operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The restricted-business guide is the map of Stripe's own words.

How does Frame differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Frame is a payment facilitator with the rate line From 2.0% + $0.39 and the dispute line $25.

Frame and Stripe can both process cards, and the bill still depends on which published row matches the payment type you actually take.

How do you switch from Stripe to Frame?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

Export Stripe customers, prices, and dispute history while the dashboard still allows it.
Ask Frame to start the import, and tell Stripe that Frame is your new processor. Frame says it can import your Stripe data, including card numbers, subject to Stripe's approval. It also imports your historical payment data and makes it available through the Frame API.
Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
If Stripe has already closed the account, plan for customers to enter cards again.

What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is budgeting a floor rate as if every merchant paid it.

Which providers are similar?

These listings share Frame's type. The order is alphabetical, not a rank.

Helcim: Interchange + 0.50% + $0.25 online, at the base tier.
Mollie: Per method and country. See Mollie.
NMI: Set by the reseller.
Payoneer: Not a card-checkout rate.

Also read Stripe's fee breakdown and the pricing dataset.

What does Frame publish as its card rate?

Frame's rate line in this directory is From 2.0% + $0.39, read on November 9, 2026. That figure is a floor, not the rate a given business will pay.

What is Frame's dispute fee?

Frame's dispute line is $25. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is Frame the merchant of record?

Frame is a payment facilitator, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise.

Where does Frame operate?

United States. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Frame has approved.

Should you leave Stripe for Frame?

Only when this is the fit: US peptide businesses and other regulated or higher-risk industries that need a decision before they process. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Frame does not become a yes just because it is on this page.

How much is Frame at $10,000 a month?

Frame has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30.

Which sources were checked?

Frame has 7 fee lines in this dataset. Each one links to the page it was read from.

Last verified November 9, 2026.

Which related pages should you read next?

Open the Stripe profile before you treat a single percent as the whole decision.