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What is the best way to accept payments in a web app?

Stripe is the best way to accept payments in your own app. It has no monthly fee, takes a fee per payment, and hosted Checkout pages mean card details never touch your code. If you sell digital products worldwide, a merchant of record such as Paddle, Lemon Squeezy or Polar charges a higher fee but handles sales tax and VAT for you.

Sites last checked 15 Oct 2026. How we test

Our pick

Stripe homepage on a phone
Stripe on a phone, captured 15 Oct 2026

Also good

Good to know

  • Use test mode and test cards until everything works. Real keys only in production settings.
  • Sales tax and VAT on digital goods is your job with Stripe alone. A merchant of record does it for you.