Stripe is great software — but 2.9% + 30¢ on every charge adds up fast. AxeFee lets your customers pay by Zelle at $0 in fees, and you can still accept cards through your own Stripe when you need to. Either way, you keep 100% of every dollar.
The same professional checkout — without the percentage on every dollar.
| Stripe | AxeFee | |
|---|---|---|
| Fee per payment | 2.9% + 30¢ per card charge | $0 on Zelle — keep 100% |
| Monthly cost | No base fee, but the % compounds | Free Starter · $29/mo Business — flat |
| Payout speed | Rolling 2–7 day payouts (or pay 1.5% for instant) | Zelle lands in your bank in minutes |
| Fund holds | Can hold or reserve funds on new accounts | AxeFee never touches or holds your money |
| Chargebacks | $15 dispute fee per chargeback | Zelle payments are bank-to-bank and final |
| Setup | Developer integration or a hosted page | No-code checkout form — share a link or QR |
| Cards | Yes (core product) | Yes — connect your own Stripe, fee optional to the buyer |
Everything you’d build on Stripe, without writing code.
Send invoices or build a checkout page in minutes — 15 form types, no developer.
Every payment is reconciled to the right order automatically.
Turn on card payments through your own Stripe; pass the processing fee to the buyer.
One link and QR for your info, links, and checkout — included free.
Every payment and submission in one place, with CSV / Excel export.
Zelle is a direct bank transfer — no payout schedule, no reserve holds.
On $10,000 a month, card fees run near $300 — every month. Move those payments to Zelle with AxeFee and that’s $0. Cards stay available through your own Stripe for the customers who need them.
Get started freeNo percentage fees on any plan. You keep 100% of what you collect.
For most small-business payments, yes — Zelle checkout, invoices, receipts, and a dashboard with $0 in percentage fees. If cards are essential, you connect your own Stripe and offer both side by side.
Only if you want to accept cards. Many businesses run Zelle-only and never touch Stripe. If you do want cards, you use your own Stripe keys and keep full control.
Every order gets its own reference, and AxeFee automatically matches each incoming Zelle payment to the right order and marks it paid — so you stop reconciling by hand. There’s a quick one-time connection during setup, and after that it just runs.
If nearly all your customers pay by card, or you sell internationally, Stripe’s card rails matter more. AxeFee shines when your customers can pay bank-to-bank and you want to stop losing a percentage.
Minutes. Create a free account, build a checkout form or send an invoice, and share the link. There’s nothing to migrate — money goes to your existing bank account.
Create a free account and collect your next payment with $0 in fees.