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The Best Stripe Alternative In the US (StrictlyZero Gateway)

Looking for the Best Stripe alternative for your small business in the US? Learn about StrictlyZero Gateway, its features, pros, and cons, and see if it could be the best Stripe alternative in the US for small business owners‘ needs.


Before we get into it, check out the best payment gateway option for your business needs (Here). As a small business owner, choosing the right payment gateway is crucial for success. Many small businesses use Stripe, a popular payment gateway, but it may only fit some people.

StrictlyZero Gateway The Best Stripe Alternative In the US

This article will explore StrictlyZero Gateway, a Stripe alternative offering unique features and benefits. We will dive into its pros and cons and ultimately help you decide if it is the best payment gateway option for your small business in the US.

What is StrictlyZero Gateway?

StrictlyZero Gateway is a payment gateway that offers a flat rate per transaction with no additional fees. It was designed to be a more affordable and transparent payment solution for small businesses. Some of its key features include:

  • No hidden fees: StrictlyZero does not charge additional fees, such as monthly fees. Chargebacks are charged from the processor.
  • StrictlyZero Gateway supports credit, debit cards, and ACH payments.
  • StrictlyZero Gateway offers personalized support options, including phone, ticket system, and chat support.

You’ve come to the right place if you’re a small business owner in the United States looking for an alternative to Stripe for credit card payment processing.

While major payment processors are popular choices, they may not be the best fit for every business due to their custom solutions requiring more development knowledge.

StrictlyZero Gateway The Best Stripe Alternative In the US

This research identifies the best Stripe competitors based on factors important to small and medium-sized businesses.

In this article, we’ll dive into one of those competitors – StrictlyZero Gateway – and determine if it’s the best Stripe alternative for small business owners in the US.

Why Consider a Stripe Alternative?

Stripe is a well-known payment gateway used by millions of businesses worldwide. However, there are some reasons why a small business owner may consider a Stripe alternative:

  • High transaction fees: Stripe charges 2.9% + 30 cents per successful transaction, which can add up for small businesses.
  • Chargeback fees: Stripe charges a $15 fee for each chargeback dispute, which can be costly for small businesses.
  • Limited customer support: Stripe offers email support, but small businesses may require more personalized support options.
  • Strict account policies: Stripe has strict policies and may suspend or terminate accounts for various reasons, including high-risk businesses.

Downsides of Major Gateway Payments

Stripe and PayPal are two of the most popular payment processing options for small businesses, but they both have drawbacks.

With Stripe, suspended user accounts can be an issue if you encounter a bad transaction or technical issue, which may prevent you from accepting future payments until the issue is resolved. Stripe also charges up to $15 for chargebacks and requires you to purchase a credit card reader for in-person transactions.

StrictlyZero Gateway The Best Stripe Alternative In the US

On the other hand, PayPal has become more expensive for US merchants, with processing fees increasing in August 2021. PayPal also charges a $20 fee for chargebacks unless the transaction is covered by its seller protection program.

Personalization is also limited with PayPal, and the platform cannot be customized to fit your business needs. Some individuals may also have reservations about using PayPal due to security concerns.

While Stripe and PayPal have their limitations, it’s important to consider alternatives that better suit your business needs. That’s where StrictlyZero Gateway is a potential option for small business owners looking for a Stripe alternative in the US.

StrictlyZero Gateway Milestones: A Growing Payment Processing Powerhouse

Founded in 2019 in Miami, Florida, StrictlyZero Gateway has quickly become a trusted payment processing partner for over 400 merchants, collectively saving over $5 million in credit card fees in 2022. With a focus on providing customizable solutions, StrictlyZero has made waves in the industry, earning over 180 million in processed volume in 2022.

The company’s commitment to innovation is evident in its milestones, which include launching Payment Links, subscriptions, and Invoices in 2020, as well as the StrictlyZero API. In addition, the company has opened office locations in Broward, Tampa, Orlando, Tallahassee, Atlanta, and Chicago.

StrictlyZero Gateway The Best Stripe Alternative In the US

StrictlyZero’s dedication to security is evident in its partnerships with SecureMetrics for PCI DSS Level 1 Certification and integrations with CDK, PAYA, and Elavon. The company has also made strides in providing diverse payment options, such as ACH payments, QR codes, SMS, and partial payments.

Looking to the future, StrictlyZero plans to participate in industry events such as the SEAA 2023 Show in Hollywood, Florida, and continue expanding its reach. As a growing payment processing powerhouse, StrictlyZero Gateway is an excellent alternative for small businesses seeking to maximize their payment processing efficiency.

For Business 

Any business owner knows credit card processing fees can add up quickly, eating away at profits. But with StrictlyZero Gateway, saving up to 100% on processing fees is a reality.

Their technology delivers cost savings and efficiency drivers, making it simple and transparent for any merchant, anywhere, anytime.

This means thousands of dollars in savings each month for many businesses. Don’t believe it? Check out how it works for yourself. When finding the best Stripe alternative in the US for small business owners, it’s hard to beat the cost-saving benefits of StrictlyZero Gateway.

Credit Cards 

StrictlyZero offers an innovative approach to credit card acceptance that benefits businesses and customers. When customers pay with a credit card, they also cover the processing fee. StrictlyZero informs the customer of the fee amount at the time of purchase.

With the Variable Rate Surcharge ™ technology, businesses can pass on a small percentage of the fee (2%, 2.5%, or 3%) to the customer. However, businesses can also provide the option for customers to pay with a no-fee method.

This flexible approach allows businesses to save on processing fees while providing convenient payment options for customers. Is StrictlyZero Gateway the Best Stripe alternative for small business owners in the US?

Debit Cards 

StrictlyZero makes accepting debit cards a breeze. Customers with debit cards pay no fees, ensuring you remain compliant with payment processing regulations. StrictlyZero’s technology automatically detects when a debit card is entered and applies no fee, giving customers a no-fee payment option.

Plus, with low-cost debit card acceptance, you only pay a fraction of the cost compared to credit card acceptance. So if you’re a small business owner looking for a payment gateway that prioritizes compliance and cost-effectiveness, consider Strictly Zero Gateway as a Stripe alternative.

StrictlyZero Enterprise 

StrictlyZero Enterprise is revolutionizing how businesses approach payment processing and credit card surcharging. They specialize in creating Enterprise Ready Payment Solutions compliant with industry regulations and designed to save businesses money.

With their proven surcharging platform, businesses can pass on the cost of card acceptance to end users while complying with card association rules and state regulations.

StrictlyZero Enterprise works closely with clients to ensure a seamless implementation and management of surcharging strategies. They support payment flow design, elegant integrations, and user experience testing to ensure client satisfaction.

By passing on the cost of credit card acceptance to end-users, businesses can save thousands of dollars in processing fees. StrictlyZero Enterprise’s solutions are user-tested, compliant, and designed to provide exceptional client attention and support.

For example, if you’re looking for an enterprise-level payment processing solution, StrictlyZero Enterprise is a top contender and worth considering as an alternative to Stripe.

StrictlyZero’s strategic enterprise team comprises top payment experts covering advanced payment technology, design, and the payment regulation landscape. Each team member has years of experience in the payment space, with key specializations and unique insights that help drive their success.

Their turnkey platform has been rigorously tested, proven, and deployed in some of the most mission-critical environments for credit card payments. The enterprise solution has been designed specifically for larger customers with a national multi-location presence, and it can be seamlessly integrated into most B2B and B2C ERP systems.

With such a talented team and a proven platform, StrictlyZero offers an outstanding solution for businesses looking for compliant surcharging strategies and enterprise-ready payment solutions. It’s no wonder they’re considered one of the best alternatives to Stripe in the US for small business owners.

StrictlyZero Docs 

StrictlyZero offers API reference documentation and quickstarts for easy integration of its products. Users can easily browse by product to find the relevant documentation and guides they need to get started.

Payments: With StrictlyZero’s payment solutions, customers can choose the payment method that works best for them. Whether it’s SMS, QR code, online, or email, contactless products make it easy and fast to take payments.

StrictlyZero Gateway The Best Stripe Alternative In the US

The seamless payment experience means no more waiting in lines or struggling with complicated payment processes. With StrictlyZero, payment collection is hassle-free and lightning-fast. So give your customers the payment experience they deserve with innovative payment solutions.

Invoicing: With StrictlyZero, creating invoices has never been easier. In just a few minutes, you can create and send invoices to your customers without needing any coding skills.

Plus, the platform lets you automate accounts receivable, collect payments, and reconcile transactions, giving you more time to focus on your business.

StrictlyZero Gateway The Best Stripe Alternative In the US

Whether you’re a small business owner or a large enterprise, the invoicing solutions can help streamline your payment processes. And if you’re looking for a Stripe alternative in the US for small business owners, be sure to check out StrictlyZero Gateway.

Payment Links: Are you tired of the hassle of creating a payment page from scratch? Look no further than StrictlyZero’s Payment Links! In just a few seconds, you can create a payment page and share the link with your customers—no need to worry about coding or technical know-how.

Best Stripe Alternatives For US Small Business Owners

With Payment Links, getting paid has never been easier. Share the link with your customers and watch as the payments roll in immediately.

Try Payment Links today and experience the convenience for yourself! And if you’re wondering if StrictlyZero Gateway is the best Stripe alternative in the US for small business owners, check out the website for more information.

Terminals: Looking to accept payments in the physical world? StrictlyZero Gateway has got you covered with its Terminals feature. Whether you prefer semi-integrations or stand-alone terminals, they offer modern solutions to cater to the needs of your retail customers.

With state-of-the-art terminals, you can provide a high-quality experience that your demanding customers will love. Say goodbye to outdated payment methods and embrace the future with StrictlyZero Gateway. 

Software Integrations: Looking to integrate payments into your preferred software platform seamlessly? Look no further than StrictlyZero Gateway!

With the marketplace, webhooks, automation, and APIs, you can easily build and scale your payment experiences in just minutes — no need to wait days for integration. Instead, say goodbye to the hassle of clunky payment processing and hello to a streamlined, user-friendly experience with StrictlyZero Gateway. And for small business owners in the US, it’s the perfect Stripe alternative.

Recurring Billing: With StrictlyZero Gateway, businesses can easily enable recurring billing for subscriptions and SaaS-based products.

StrictlyZero Gateway The Best Stripe Alternative In the US

This feature allows customers to seamlessly pay for ongoing services without repeatedly entering their payment information. As a result, businesses can simplify their billing process with the platform, ensuring a smooth and hassle-free customer experience.


Compliance can be a daunting and complicated topic for businesses, but with StrictlyZero Gateway, there’s no need to worry. They are the leading experts in compliance and have a wealth of knowledge to share.

They’ve made it their mission to translate this complex and ever-evolving picture into actionable insights for every state. Curious about the states they serve? Check them out! When it comes to compliance, you can trust StrictlyZero Gateway to have you covered.

Don’t let compliance hold you back; let StrictlyZero Gateway handle it. And if they’re the best Stripe alternative for small business owners in the US, check out their impressive compliance expertise!

At StrictlyZero, they understand that passing on the credit card fee is a tricky business. Merchants have to follow the contractual rules set by the card brands like Visa and Mastercard to be able to accept their cards.

Luckily, StrictlyZero is a turnkey solution that handles all the complicated compliance requirements, so you don’t have to worry. So are you a small business owner looking for the best alternative to Stripe in the US?

Regulations and Solution. 

StrictlyZero Gateway takes compliance seriously and provides a comprehensive solution to ensure merchants meet all the necessary regulations for passing on credit card fees. The team will handle the registration process with card brands on your behalf. They also provide all the required signage to keep your customers informed and compliant.

With the Variable Rate Surcharging™ solution, you can participate in the surcharge amount passed on to the cardholder while ensuring that the credit card fee doesn’t exceed 3% and you don’t profit from it.

The solution processes the credit card fee and the purchase amount as one transaction and produces a receipt that itemizes the credit card fee.

The system automatically detects when a debit card is used and applies no fee. By partnering with StrictlyZero Gateway, you can be confident that you’re following all the necessary regulations while providing a seamless payment experience for your customers.

Who Uses StrictlyZero

Doctors and Healthcare Services

With advancements in the medical field, it is surprising that many healthcare practices still use outdated payment processing methods. The patient experience should be a top priority, as 65% of patients consider switching providers for a better payment experience. Poor payment experiences can leave a negative impression on patients.

In-person payment methods, including cash, check, credit cards, debit cards, HSA cards, and digital wallets, should be used to collect payments efficiently and without the need for past-due notices. Alternative payment methods like mobile wallets like Apple Pay and Google Pay should also be accepted.

StrictlyZero Gateway The Best Stripe Alternative In the US

Insurance claims and payments can complicate the payment process, but upgrading payment technology to ensure PCI compliance and accepting alternative payment methods like mobile wallets can improve the overall patient experience.

For small business owners, StrictlyZero Gateway may be the best alternative to Stripe in the US. Incorporating innovative technology allows for fast, efficient, and secure payment processing. This can help healthcare professionals streamline their payment process, increase patient satisfaction, and ultimately, grow their practice.


StrictlyZero Gateway is a payment advisor that offers new customers in the US a chance to receive a $500 bonus by completing qualifying activities. To receive the bonus, customers must complete an application, get approved, open a new StrictlyZero account, and process at least $10,000 in credit and/or debit card payments through at least five transactions by 03/27/2023. Qualifying transactions include those processed using Invoices, Payment links, Terminals, and Virtual terminals.

StrictlyZero Gateway provides multiple payment options to help grow your business how you want. With easy-to-use point-of-sale devices and a mobile app, customers can accept cards in person for quick payment processing.

Additionally, you can choose from pre-built payment integrations with leading eCommerce platforms, a virtual terminal, and a payment gateway to accept cards online or over the phone. Managing your business accounts is easy with StrictlyZero Gateway’s online merchant services, which allow you to monitor your funds in just a few clicks.

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Representatives are available 24/7/365 to provide support whenever it’s needed. Customers only receive one bonus every 12 months from the last coupon enrollment date. To receive the bonus, all terms and conditions must be met.

The enrolled account must not be closed or restricted during payout. In addition, bonuses are considered interest and may be reported on IRS Form 1099-MISC (or Form 1042-S, if applicable).

So, if you’re a small business owner looking for a reliable payment processing solution, consider whether StrictlyZero Gateway is the best Stripe alternative.

Putting All Together-Key Takeaways

StrictlyZero is a company with a bold mission to revolutionize the payment industry. They are dedicated to empowering merchants to turn credit card fees into a lucrative revenue stream, regardless of their size or industry.

Their innovative surcharging platform is designed to help businesses comply with card association rules and state regulations while passing on the cost of card acceptance to end users. By doing so, they are disrupting the traditional payment model and driving innovation in the industry.

One thing that sets StrictlyZero apart is its team of experts with extensive experience in the payment space. They pride themselves on being at the forefront of payment technology and staying ahead of the regulatory landscape. With their in-depth knowledge, they’re constantly exploring new ways to optimize payment flows and enhance user experience satisfaction.

At StrictlyZero, they are committed to providing tailored solutions that meet the unique needs of their clients.

Whether you’re a small business or a large enterprise with a national multi-location presence, they can create a turnkey platform that is easy to integrate into most enterprise-level B2B and B2C ERP systems. They believe every business should have access to cutting-edge payment solutions that streamline transactions and boost their bottom line.

Join StrictlyZero in disrupting the payment industry and taking your business to the next level. With their platform, you can convert credit card fees into a revenue stream and unlock new opportunities for growth and success. Is StrictlyZero Gateway the Best Stripe alternative for small business owners in the US? Find out for yourself and use their expertise and innovative payment solutions.

Final Thoughts

In conclusion, StrictlyZero Gateway is the perfect solution for merchants looking to convert credit card fees into a lucrative revenue stream. By providing a turnkey platform that is easy to integrate into most enterprise-level B2B and B2C ERP systems, StrictlyZero empowers businesses of all sizes to streamline transactions and boost their bottom line.

Their innovative surcharging platform allows merchants to pass on the cost of card acceptance to end-users while staying in compliance with card association rules and state regulations.

With a team of experts at the forefront of payment technology and regulatory compliance, StrictlyZero is committed to providing tailored solutions that meet each client’s unique needs.

Best stripe alternatives

We recommend you try StrictlyZero Gateway and use this innovative payment solution. Don’t miss out on the opportunity to unlock new opportunities for growth and success for your business. Instead, try StrictlyZero Gateway today!

Read Also:


What’s a surcharge fee? 

A surcharge fee is an additional fee that a merchant adds to a customer’s purchase when they use a credit or debit card to pay. The fee covers the cost of processing the card payment.

What is an example of a surcharge? 

An example of a surcharge is when a gas station adds a fee of 2.5% to a customer’s total purchase when they use a credit card to pay for gas.

What does a surcharge on a debit card mean? 

A surcharge on a debit card means an additional fee that a merchant adds to a customer’s purchase when they use a debit card to pay. This practice is illegal in some states.

Is there a surcharge on Visa debit cards? 

A visa does not allow merchants to charge a surcharge on debit card transactions, but merchants can charge a fee for using a credit card.

Can you surcharge a credit card? 

Merchants can surcharge a credit card transaction in some states, but some rules and regulations must be followed.

What is the difference between a surcharge and a transaction fee? 

A surcharge is an additional fee that a merchant adds to a customer’s purchase when they use a credit or debit card to pay. A transaction fee is a fee that the payment processor charges for processing the transaction.

Is a “Surcharge” or “Checkout Fee” the same as a “Convenience Fee”? 

A surcharge or checkout fee is not the same as a convenience fee. A convenience fee is a fee charged for the convenience of using a payment method such as online payment, phone payment, or payment at a third-party location.

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