Stripe when possible, but for a recent project I’m using Dwolla, which operates strictly via ACH (which makes it US-only). The problem with Stripe is they have

Stripe when possible, but for a recent project I’m using Dwolla, which operates strictly via ACH (which makes it US-only). The problem with Stripe is they have a large list of prohibited businesses, which mainly is inherited from the credit card networks as I understand it. Even if you’re a perfectly legal and legitimate business, if you fall under one of these broad categories you can’t use Stripe’s platform (even if you only use their ACH product and don’t touch credit cards). PayPal has a similar list. The credit card networks justify it by claiming certain categories of business are riskier (and I’m sure some are). But then you see how a lot of these categories may have come from Operation Chokepoint, chosen by unelected bureaucrats seemingly without any evidence. Personally it disturbs me that so many legitimate businesses are severely hamstrung from collecting payments online because of extremely opaque decisions by an oligopoly of payment networks. But about Dwolla - it’s not quite as smooth as Stripe; you have to build out your own customer onboarding screens, and production plans are priced through a sales rep rather than a SaaS-y paygo model. But I feel much more in control from the business end of things using them.