HubSpot Payments vs Stripe: Best Payment Solution in 2025

Trying to decide between HubSpot Payments vs Stripe for your business? This article breaks down the key differences, including features, pricing, integration, and user profiles. We’ll help you determine which payment solution fits your business needs best.

Key Takeaways

• HubSpot Payments offers seamless integration with HubSpot’s CRM, making it ideal for businesses seeking a user-friendly payment solution without extensive technical expertise.

• Stripe is a highly customizable payment platform suited for businesses with complex needs, offering extensive APIs and support for various payment options globally.

• Both platforms emphasize security, but Stripe excels in fraud detection, while HubSpot Payments may become costly for growing businesses due to its transaction-based pricing structure.

Overview of HubSpot Payments and Stripe

HubSpot Payments and Stripe are two prominent players in the payment processing industry, each offering unique advantages that cater to different business needs. Stripe is a developer-friendly payment solution, renowned for its ability to handle billions of dollars annually, making it a go-to choice for many online and mobile applications.

HubSpot Payments, on the other hand, allows businesses to manage both one-time and recurring subscription payments efficiently, integrating seamlessly with HubSpot’s CRM tools to centralize payment data. Additionally, HubSpot and Stripe provide robust solutions for businesses looking to enhance their payment processing capabilities.

When connected to an existing Stripe account, HubSpot serves as the central source of truth for all commerce-related activities, allowing businesses to review and manage HubSpot data effortlessly. This integration enables users to leverage the strengths of both platforms, streamlining payment operations and enhancing overall efficiency with the operations hub starter. Line items are essential for configuring payment links and quotes within HubSpot, specifically addressing how they relate to Stripe integrations and invoicing functionalities.

The combination of HubSpot Payments and Stripe brings together the best of both worlds: HubSpot’s comprehensive CRM capabilities and Stripe’s robust payment processing. This synergy can be particularly beneficial for businesses looking to optimize their payment workflows while maintaining a centralized hub for all customer and transaction data.

Key Features Comparison

Key features of HubSpot Payments and Stripe will help you decide which solution best fits your business needs. This comparison will cover payment processing capabilities, user interface and experience, security measures, and customization options, providing a thorough analysis to help you make an informed decision.

Payment Processing Capabilities

HubSpot Payments offers various payment methods, including credit cards, debit cards, and SEPA bank debits, catering to diverse customer preferences. When payments are processed, the payment details are systematically documented in payment records, allowing users to efficiently track and manage their financial transactions and related data.

Stripe offers a broader range of payment options, such as digital wallets and ACH payments, which benefit businesses with a global customer base.

Stripe’s subscription management tool simplifies billing for businesses with recurring revenue, reducing administrative tasks and ensuring smooth operations. Additionally, Stripe operates in over 46 countries, enabling businesses to process payments in multiple currencies and expand their reach internationally through stripe subscriptions.

User Interface and Experience

HubSpot Payments offers a user-friendly interface, especially beneficial for those new to payment processing. Integration with HubSpot’s CRM tools reduces manual data entry, providing a cohesive user experience. For businesses already using HubSpot, this can significantly ease the transition and streamline operations.

Stripe, however, is known for its developer-friendly interface, allowing for extensive customization and flexibility. This appeals to tech-savvy users who need customized payment solutions integrated with multiple platforms and applications. While this may require more technical expertise, the potential for creating a highly customized payment experience is unmatched.

Security Measures

Both HubSpot Payments and Stripe prioritize security in payment processing. Both platforms comply with PCI DSS standards, ensuring that customer payment data is handled securely during transactions. HubSpot Payments uses industry-standard security measures to safeguard customer data, offering peace of mind for businesses and their clients.

Stripe, with its advanced fraud detection tools and high-level security measures, excels in protecting against fraudulent transactions. These robust security features make Stripe a reliable choice for businesses that prioritize the protection of their customer’s financial information and stripe data.

Customization Options

Customization is crucial for businesses aiming to maintain a consistent brand identity. Custom mappings are available for users with certain plans, adding flexibility to create and modify mappings to suit their specific needs. HubSpot Payments enables users to customize invoices and branding, providing more options than Stripe-hosted invoices, including additional calls-to-action and forms. Custom mappings add flexibility for users, allowing them to create their own mappings or modify default settings, enhancing the integration experience. This can be particularly beneficial for small businesses looking to create a more personalized payment experience.

Conversely, Stripe offers extensive APIs allowing businesses to customize the entire checkout experience. Users can create their own mappings or modify existing default mappings, allowing for tailored data synchronization between HubSpot and Stripe. This level of flexibility allows businesses to align the stripe payment processing with their branding needs, ensuring a seamless user experience from start to finish.

Pricing Structure

HubSpot Payments is transactional pricing with no monthly fees. For credit and debit cards, HubSpot charges 2.9% per transaction. ACH is 0.5% with a cap of $10 per transaction. This is great for businesses with lower transaction volume as you only pay when you transact. Stripe also has a flat rate pricing model with no setup or monthly fees. For online credit and debit card payments, Stripe charges 2.9% + $0.30 per successful transaction. ACH direct debit is 0.8% with a max of $5.

Stripe's pricing is simple, but additional fees apply for international payments and currency conversions which can add up for businesses that operate globally. HubSpot Payments has a 60 day waiver for the platform fee for new customers so that’s a nice incentive to get on board. But note that HubSpot’s onboarding fees range from $1,500 to $7,000 depending on the tier you choose which may not be feasible for smaller businesses. As businesses grow and transaction volume increases, the cumulative platform fees can add up and some may look for more cost effective options.

Stripe Integration with Other Tools

HubSpot Payments integrates seamlessly with other HubSpot tools, making it attractive for businesses already using HubSpot’s CRM and marketing platforms. Integrating Stripe customers with HubSpot allows for real-time data sharing and custom field mappings, enabling efficient management of customer information and subscriptions. This integration lets users generate payment links within HubSpot and manage subscriptions without new links for every transaction. Payment data, including transaction amounts and fees, is automatically shared with the connected Stripe account, simplifying record-keeping.

Known for its flexible API, Stripe enables developers to create tailored payment solutions integrated with various platforms. Syncing contacts between HubSpot and Stripe eliminates manual data entry by providing a two-way, real-time sync, ensuring that any updates made in one application are automatically reflected in the other. However, integrating Stripe with legacy systems can sometimes increase costs and complications. HubSpot automates workflows related to payments, enhancing operational efficiency.

Stripe integration is limited to one Stripe account per HubSpot account, ensuring consistency in financial data. Once integrated, users can manage products and subscriptions within HubSpot, while Stripe handles the actual payment processing. This combined functionality benefits businesses looking to automate billing and streamline payment operations.

Customer Support and Resources

HubSpot is highly rated for its support services, known for quick response times and comprehensive resources. The platform provides resources like webinars, tutorials, and a community forum to help users navigate its payment features. These resources benefit businesses aiming to maximize their payment processing solution.

Stripe offers extensive documentation and community forums to assist users in troubleshooting and maximizing its services. Users find Stripe’s support team knowledgeable, especially on complex payment processing issues. However, response times can be slow, posing issues for businesses needing immediate assistance.

Pros and Cons of HubSpot Payments

HubSpot Payments provides several advantages, especially for businesses already using HubSpot’s CRM tools. Seamless integration with other HubSpot tools enables efficient payment processing and centralized data management. However, lower-tier plans have limitations, such as the absence of A/B testing and restricted advanced reporting and analytics. These limitations may lead to additional costs for businesses with extensive reporting needs.

On the downside, the pricing model can become costly as businesses grow, and annual contracts lack flexibility, challenging businesses needing to adjust subscriptions. Despite these drawbacks, HubSpot Payments remains a strong option for businesses seeking a straightforward and integrated payment processing solution.

Pros and Cons of Stripe

Stripe’s extensive customization options and developer-friendly interface make it ideal for businesses needing flexibility and integration with various platforms. Its advanced fraud detection tools and high-level security measures offer robust protection against fraudulent transactions. However, Stripe’s pricing can be less cost-effective for businesses with high transaction volumes, and hidden fees for international transactions may be a concern.

Additionally, Stripe’s limited support for global markets restricts its reach. Account suspensions for terms of service breaches can disrupt operations, making adherence to Stripe’s policies crucial. Despite these drawbacks, Stripe remains popular for businesses seeking a highly customizable payment solution.

Ideal User Profiles

HubSpot Payments is ideal for startups or businesses needing a straightforward and less technical payment solution. Seamless integration with HubSpot’s CRM tools benefits less tech-savvy businesses or those without dedicated payment processing teams. For instance, a small e-commerce retailer looking to streamline operations without extensive technical expertise would find HubSpot Payments advantageous.

Stripe is better suited for strategic retailers needing robust e-commerce solutions and businesses requiring extensive customization and integration flexibility. For example, a large online marketplace with complex payment needs and a dedicated development team would benefit significantly from Stripe’s advanced features and API capabilities.

Summary

In conclusion, both HubSpot Payments and Stripe offer unique advantages that cater to different business needs. HubSpot Payments is an excellent choice for businesses seeking a straightforward, integrated payment processing solution with seamless CRM integration. Stripe, with its extensive customization options and developer-friendly interface, is ideal for businesses requiring flexibility and integration with various platforms.

Ultimately, the best choice depends on your specific business requirements, technical capabilities, and budget. By understanding the key features, pricing structure, integration capabilities, and support options of both solutions, you can make an informed decision that best suits your business needs.

Frequently Asked Questions

Which payment gateway is better than Stripe?

Square is a strong alternative to Stripe, offering both online payment processing and hardware solutions for point-of-sale systems. Its comprehensive features make it an excellent choice for businesses needing a versatile payment gateway.

What are the primary differences between HubSpot Payments and Stripe?

The primary difference is that HubSpot Payments integrates smoothly with HubSpot's CRM for less tech-savvy users, while Stripe offers extensive customization for businesses with complex payment requirements. This makes HubSpot Payments a user-friendly option and Stripe a flexible, scalable choice.

How do the pricing structures of HubSpot Payments and Stripe compare?

HubSpot Payments has a straightforward per-transaction fee structure with no monthly subscription, while Stripe offers competitive rates but may involve hidden fees for international services and extra functionalities. This distinction can influence your choice depending on your specific needs.

Can I integrate Stripe with HubSpot?

Yes, you can integrate Stripe with HubSpot to effectively manage products and subscriptions, while Stripe takes care of payment processing. This integration streamlines your operations and enhances customer management.

What security measures do HubSpot Payments and Stripe implement?

HubSpot Payments and Stripe both comply with PCI DSS standards and utilize industry-standard security measures to protect customer payment data, with Stripe additionally implementing advanced fraud detection tools. This ensures a high level of security for transactions on both platforms.