# Stripe Connect alternatives for marketplaces and platforms Title: Stripe Connect alternatives for marketplaces and platforms Description: Providers that onboard and pay other businesses, and when Connect is still the one to use. Read November 9, 2026. Source pages linked. Compared with Stripe. Stripe Connect is the default because it is the one most software teams already know how to hire for. Leave it when you want a different commercial model: you want to be closer to the payfac, you want a particular bank, or your sellers are outside the countries Connect is serving well for you. ## Which platforms are alternatives to Stripe Connect? These are for the software company, not for a single store. Most pricing is quoted, so none of them belongs in the fee calculator. Listed alphabetically. ### Adyen Adyen for Platforms runs onboarding, split payments, payouts and card issuing on Adyen's own acquiring licences, online and in person, across many countries. Choose it when the platform is large, multi-country, and wants one acquirer for every channel. Look elsewhere when you are early. Adyen sells to enterprises and expects volume. ### Finix Finix is a processor that lets a platform start with Finix as the payfac and take on more of the role over time, on the same integration. Choose it when you plan to own more of the economics and the responsibility as you grow. Look elsewhere when you want the provider to carry risk and compliance permanently. ### Frame frameOS is the platform product from Frame, a US payment facilitator. It embeds co-branded onboarding in your product, and Frame runs the identity verification, document collection and compliance checks. Payouts go by ACH, Cash App, push to card or PayPal, after Frame verifies the user's identity and location. Cards start at 2.0% + $0.39, which is a floor. Source: [Frame's frameOS page](https://framepayments.com/frame-os?ref=https%3A%2F%2Fwww.stripealternatives.com), read November 10, 2026. Choose it when a US platform wants onboarding, payments, payouts and compliance checks from one provider and needs a decision before the first charge, including in a regulated or higher-risk category, and can accept a rate that is not the published floor. Look elsewhere when sellers are outside the United States, when you need a merchant of record, or when you are shopping for the lowest flat rate. Frame does not publish an industry list this page will invent. ### Mangopay Mangopay is a European provider built around e-wallets. Each user gets a wallet, so a marketplace can hold funds between buyer and seller, split them, and pay out in several currencies. Choose it when you run a European marketplace that needs to hold funds before releasing them. Look elsewhere when your sellers are in the US or you need in-person payments. ### Payabli Payabli is payments infrastructure for vertical software. It covers money in, money out to vendors, and the operations tooling a payments team needs. Choose it when your software handles both what your customers collect and what they pay. Look elsewhere when you only need a simple marketplace split. ### Rainforest Rainforest is payfac-as-a-service for vertical SaaS. It takes on onboarding, KYC, risk and compliance, and supplies embeddable components. Choose it when you want payfac-style economics without building a payments team. Look elsewhere when you intend to register as a payfac yourself. ### Tilled Tilled is payfac-as-a-service sold white-label. An ISV earns a share of payments revenue without registering as a payfac. Choose it when you are a small or mid-sized ISV that wants payments revenue with little lift. Look elsewhere when you need direct control over underwriting or funds flow. ### WePay WePay is Chase's platform payments product. Sub-merchants are onboarded and processed on Chase's acquiring, mainly for US platforms. Choose it when you want a bank as your payments counterparty. Look elsewhere when your sellers are outside the US. ## When should you keep Stripe Connect? Your sellers are low risk, you need to ship this quarter, and your engineers have done Connect before. Switching payfacs is a migration of every seller's KYC, not a checkout swap. Do it for a contractual or risk reason, not for a rumored basis point. ## Questions ### Which platforms are alternatives to Stripe Connect? These are for the software company, not for a single store. Most pricing is quoted, so none of them belongs in the fee calculator. Listed alphabetically. ### When should you keep Stripe Connect? Your sellers are low risk, you need to ship this quarter, and your engineers have done Connect before. Switching payfacs is a migration of every seller's KYC, not a checkout swap. Do it for a contractual or risk reason, not for a rumored basis point. ### Where were the figures on this page read? The sources list names the pages. This edition was read on November 9, 2026. Stripe's US domestic card rate in that reading is 2.9% + $0.30, and a dispute received is $15. ### When should you stay on Stripe? Stay when the Stripe account is healthy and you still need Billing, Tax, Connect, or Terminal. Moving subscriptions costs more than a gap of a few dollars on a $10,000 month. ### Which rate should you not rely on? Do not invent a rate the provider did not publish, and do not treat Frame's from 2.0% + $0.39 as a price you will be charged. A floor is labeled and left out of the calculator. ## Sources Last verified November 9, 2026. - Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com - Frame's frameOS page: https://framepayments.com/frame-os?ref=https%3A%2F%2Fwww.stripealternatives.com ## Related - [Stripe alternatives for SaaS and subscriptions](/best/saas-subscriptions.md) - [Lowest-fee Stripe alternatives](/best/lowest-fees.md) - [Stripe alternatives for businesses outside the United States](/best/international.md) - [Merchant of record alternatives to Stripe](/best/merchant-of-record.md) - [Stripe alternatives for small businesses](/best/small-business.md) - [Stripe alternatives by situation](/best.md) - [Stripe alternatives directory](/index.md) - [Stripe pricing and US card fees](/alternatives/stripe.md)