247 Payments offers dedicated merchant accounts with personalized support, while Stripe uses an aggregated payment model. 247 Payments specializes in high-risk merchant processing that Stripe often rejects, offers more competitive rates for established businesses, provides faster fund deposits, and delivers superior customer support with dedicated account managers. Most importantly, 247 Payments offers greater account stability without the sudden terminations that businesses often experience with Stripe.

Stripe has a restrictive acceptable use policy that prohibits many business types, including CBD/cannabis accessories, nutraceuticals, supplements, certain subscription services, firearms accessories, dating services, many digital products, and other industries they deem high-risk. 247 Payments specializes in these industries and provides stable processing solutions specifically designed for high-risk merchants who are unable to use Stripe.

If Stripe terminates your account, they typically hold your funds for up to 120 days, which can severely impact your cash flow and operations. 247 Payments provides dedicated merchant accounts with clear terms, predictable fund releases, and significantly reduced risk of sudden account termination. We also offer better communication and appeal processes if
issues arise.

While Stripe charges a flat 2.9% + $0.30 per transaction with additional fees for certain services, 247 Payments provides custom pricing based on your business type and volume. Most established merchants save 15-30% on processing fees when switching from Stripe to 247 Payments, with the added benefit of faster fund deposits and better fraud prevention tools included in your account.

Yes, 247 Payments offers payment gateway solutions that integrate just as easily with your website, shopping carts and business tools. We provide comprehensive documentation, developer-friendly APIs, and dedicated technical support to ensure smooth implementation. While Stripe is known for its developer tools, 247 Payments combines that technical ease with better merchant protection and higher approval rates.

Stripe offers instant approval through their aggregated model, but businesses often face account reviews and terminations later. 247 Payments has a more thorough upfront approval process that takes 24-48 hours but provides long-term stability without surprise terminations. This approach ensures your payment processing won’t be unexpectedly disrupted once you’re approved.

Yes, 247 Payments typically offers next-day deposits for most businesses, while Stripe’s standard payout schedule is 2 days in the US and can be longer internationally. Additionally, 247 Payments doesn’t implement sudden reserve holds on your funds like Stripe often does when they detect what they consider unusual activity patterns.

247 Payments offers more robust chargeback protection and merchant-friendly dispute resolution compared to Stripe. We provide tools to prevent chargebacks, detailed documentation requirements to fight invalid chargebacks, and a dedicated team to help you through the dispute process. Stripe’s automated systems tend to favor buyers in disputes, while 247 Payments advocates more strongly for merchants.

Yes, 247 Payments offers comprehensive recurring billing solutions with greater flexibility for subscription businesses. Unlike Stripe, which has restrictions on certain subscription models (especially those with free trials or long-term commitments), 247 Payments accommodates a wider range of billing models and provides better protection against chargebacks commonly associated with subscription services.

The transition from Stripe to 247 Payments is straightforward. Our onboarding team handles most of the work, including helping you with application paperwork, integrating with your existing systems, and ensuring a smooth transition. Most merchants can be approved and processing with 247 Payments within 1-2 business days without any disruption to their operations.