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Don't use stripe. It's none of their business and they already have a bad reputation.

Any alternatives that you recommend?

Braintree is now essentially paypal, so that is off the list. Adyen is good but can be strict with what businesses they support.

In short, i recommend using local providers, not these multinationals. Each country has a bunch of them, so there is plenty of choices, they are just not world renown brands.

And how to connect them to your services without being a programmer?

Hire a programmer.

That might be considered once accumulated Stripe fees are higher than the competitors fees + cost of hiring a programmer + cost of change.

Which is a factor worth considering for medium to big business, but certainly not for small timers.

What about the old school processors like Authorize.net and Cybersource? It has been over a decade since I worked with them, so not sure what they are like now.

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