Prompt
What payment API should I use for online payments and subscriptions?
Latest observation
Oct 15, 2026
OpenAI APIWeb search: off
If you want one default recommendation for online payments + subscriptions, use Stripe.
Why Stripe
- Great for subscriptions: recurring billing, trials, coupons, proration, dunning, invoicing.
- Good payment coverage: cards, wallets, ACH, bank debits, etc. depending on region.
- Easy developer experience: solid docs, APIs, webhooks, SDKs.
- Scales well: works for startups through larger products.
- Strong checkout options: hosted Checkout, Payment Element, or fully custom flows.
When to choose something else
- PayPal/Braintree: if PayPal is important for your users or you want a more PayPal-centric stack.
- Adyen: if you’re operating at larger scale or need strong global enterprise payments.
- Paddle: if you sell SaaS and want them to handle tax/VAT/GST and merchant-of-record responsibilities.
- Chargebee + Stripe: if you need advanced subscription management on top of your processor.
- Square: better if you also need in-person payments or a POS ecosystem.
Best simple setup
- Stripe Checkout for quick launch
- Stripe Billing for subscriptions
- Webhooks for payment status, renewals, cancellations
- Add Customer Portal for self-service billing changes
Quick rule of thumb
- SaaS / digital subscriptions → Stripe
- Need tax handling as merchant of record → Paddle
- Enterprise/global complexity → Adyen
- Need PayPal support heavily → Braintree/PayPal
If you tell me your country, product type, and whether you need subscriptions, one-time payments, or both, I can recommend the best option more precisely.