Stellar isn't a direct replacement per-se, it's fast and has near zero transaction fees, but the lumens themselves were not intended to be used as a medium of transaction, only to have a token amount to pay the miniscule fees with.

To use the stellar network as intended, there needs to be an anchor that issues USD/EUR/whatever tokens on the stellar network, and then have stripe accept those tokens (issued by anchors they trust to convert the tokens back into real money)

XRB would be another good candidate for low fees, but that one has no fiat pair to value against, so it's hard to pay a USD invoice with it when the value is indeterminate.