Stripe is the gold standard for online payments. Freelancers use Stripe Invoicing to send professional invoices where clients pay by card — no account needed on the client side.
Quick Verdict
Rating: 4.6/5 — ★★★★½
Best for: Freelancers billing clients directly via professional invoices — handles card payments automatically
Not ideal for: Receiving from Upwork/Fiverr or if you want zero transaction fees
Get started with Stripe →Key Facts
| Category | payment / payment-processor |
| FX fee | 🔴 2% |
| Withdrawal fee | Free |
| Monthly fee | Free |
| Payout speed | 1-3 days |
| KYC level | Standard (ID required) |
| Founded | 2010 |
| HQ | US |
Country Availability
| UK | Canada | Australia |
|---|---|---|
| ✅ | ✅ | ✅ |
Fees
| Fee type | Amount |
|---|---|
| FX conversion | 2% above mid-market |
| Withdrawal | Free |
| Monthly subscription | None |
| Currencies supported | 135+ |
Features
| Feature | |
|---|---|
| Bank transfer | ✅ |
| Card payments | ✅ |
| Crypto | ❌ |
| Virtual card | ❌ |
| Physical card | ❌ |
| Multi-currency | ✅ |
| Business account | ✅ |
| Mobile app | ✅ |
| API access | ✅ |
| Upwork integration | ❌ |
| Fiverr integration | ❌ |
Pros
- No monthly fee
- Multi-currency account
- Mobile app (iOS & Android)
- Business account available
- API access
Cons
- Check availability in your country
Who Should Use Stripe
Perfect for: Freelancers billing clients directly via professional invoices — handles card payments automatically
Skip it if: Receiving from Upwork/Fiverr or if you want zero transaction fees
How to Get Started
- Visit https://stripe.com and create an account
- Complete identity verification (Standard (ID required))
- Set up your payment receiving details
- Share with clients or connect to your freelance platform
Frequently Asked Questions
Is Stripe available in the UK? Yes — Stripe is fully available in the UK.
Is Stripe available in Canada? Yes — Stripe is fully available in Canada.
Is Stripe available in Australia? Yes — Stripe is fully available in Australia.
What are Stripe's fees? Stripe charges 2% for currency conversion.
Is Stripe safe? Stripe is a regulated financial service with a strong safety record. Always verify current regulatory status on their website.
This review was last updated 2026-03-30. Fees and availability may change — always check Stripe's website for the latest information.
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