In a different HN thread that has no or positive reaction to Stripe, you'd be seeing many praises for Stripe. For local businesses, perhaps your local bank has

In a different HN thread that has no or positive reaction to Stripe, you'd be seeing many praises for Stripe. For local businesses, perhaps your local bank has a better solution? They will be cheaper (if they use networks other than Visa/Master), and often has zero fees when you withdraw money to a bank account. Here in my country, for a business that only caters to local customers, I pay about 2% for payments with no fixed fee and no fee for withdrawals, which happens daily. I can directly call the person who handles my queries, and charge backs have never been anything but a few quick clicks with no mind games. All I do is redirect the user to the payment page, and validate the payment upon arrival. The UX isn't as good as Stripe of course, but many of the locals are quite used to that UI anyway.