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Stripe

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The de-facto payment standard for global SaaS

Payment Partial Integration difficulty·Medium KYC requirement·Overseas entity

Pricing：2.9% + $0.30 / 笔（美区起步）

Good for

  • Teams that already have an overseas entity or are registering one via Atlas
  • SaaS charging international customers via subscriptions, one-time, or usage-based billing
  • Products needing webhooks, test mode, and solid reconciliation

Not good for

  • Products targeting Mainland China users only
  • Solo founders who need same-day payouts (KYC usually takes 1-2 weeks)
  • High-risk verticals (adult, gambling, crypto exchanges)

Integration effort

Effort scales with scope: Payment Links go live in an hour; full custom Checkout, subscription tiers, and metered billing typically take 3-7 working days. Webhook signature verification and retry handling deserve careful testing.

KYC and entity

Requires an overseas entity (US LLC/C-Corp, UK Ltd, Singapore Pte Ltd, etc.) plus director ID, address, and bank details. A Mainland China ID alone cannot open an account.

Payouts to China

Payouts to Mainland China require an intermediate overseas bank: Stripe → Mercury / Wise Business / Airwallex → personal or company account in China. Settlement times depend on the receiving bank.

Privacy / compliance notes

Stripe handles cardholder data and is PCI DSS Level 1 certified. Merchants are responsible for their own privacy policy and cookie consent. Refer to Stripe Privacy Center for terms.

FAQ

Can I sign up with a Mainland China ID alone?

No. You need an overseas entity, or a US C-Corp registered through Atlas.

Stripe vs PayPal — how to choose?

Stripe excels at SaaS subscriptions and branded checkout; PayPal covers consumer-side international payments. Most teams run both.

Related tools

Stripe is the standard payment infrastructure for global SaaS, with mature APIs and excellent docs. It does not accept Mainland China entities, but founders from China can use it via a US C-Corp registered through Atlas, or via a Hong Kong / Singapore / UK entity.