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HL Hunt vs Stripe
Stripe built a great developer API and then became known for automated account reviews, frozen balances, and a growing list of add-on fees. HL Hunt gives you the same developer experience with upfront underwriting, published pricing, same-day settlement, and AI agents included.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
| Feature | HL Hunt | Stripe |
|---|---|---|
| Online card rate | 2.99% + $0.30, published, no add-ons | 2.9% + $0.30, plus add-ons |
| Subscription billing | Included | Additional % of billing volume |
| Instant / same-day payouts | Same-day settlement included | Instant payouts carry a fee |
| Account reviews | Underwriting up front, human risk team | Post-approval automated reviews |
| Frozen funds / reserves | Disclosed and agreed up front, if any | Can be imposed after approval |
| Chargeback response | Dispute Agent compiles and submits | Manual, or paid add-on |
| Fraud tools | Included, 500+ signals | Paid add-on per transaction |
| Support | Humans 24/7 | Tiered; phone on higher plans |
| Developer API | Open REST API, signed webhooks | REST, SDKs |
| Tap to Pay | Included, any phone | Available |
- $0
- Monthly, PCI, or setup fees on HL Hunt
- 0%
- Billing platform fee on HL Hunt
- Same day
- Settlement, no instant-payout fee
- 0
- Automated terminations
Why teams switch to HL Hunt
We never shut you down
Underwriting up front. No surprise reserves, frozen funds, or automated terminations.
AI agents included
Dispute, Fraud, Recovery, Reconciliation, Billing, Insights, and Support agents at no extra cost.
Published pricing
Every price on /pricing. No monthly fees, no setup fees, no contract.
Same-day settlement
Standard on every account, not an add-on with a fee.
Humans 24/7
A risk team and support team you can reach, every day.
One ledger
Payments, payouts, billing, and FX on one double-entry ledger with real-time reconciliation.
Ready to move from HL Hunt vs Stripe?
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Compare your statement
Share a recent statement and we will show you the exact difference at your volume.
- 02
Migrate without disruption
We import customers and tokenized cards so nobody re-enters a card.
- 03
Go live with agents on
From day one, AI agents fight disputes and recover failed payments for you.
When Stripe stops being the easy choice
Stripe is excellent for a weekend project. The problems start when you grow: a volume spike triggers an automated review, a balance is held for 90 days, and your "support" is an email thread. Add fees for billing, fraud tools, instant payouts, and dispute handling, and the headline rate is no longer the real rate.
HL Hunt is designed for the business you are becoming. We underwrite you properly before go-live, so growth is celebrated rather than flagged. Billing, fraud, disputes, and same-day settlement are included. And when you need a person, you get one.
Migration is straightforward. We import customers, subscriptions, and tokenized cards from Stripe so nobody re-enters a card, and our API is familiar enough that most teams move in days.
What changes
HL Hunt vs HL Hunt vs Stripe, side by side
| HL Hunt | HL Hunt vs Stripe | |
|---|---|---|
| Switching | We migrate your card vault and recurring plans | Export limits and re-authorizing customers |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. HL Hunt vs Stripe is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
HL Hunt vs Stripe is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up HL Hunt vs Stripe today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
HL Hunt vs Stripe FAQ
Can I migrate saved cards from Stripe?
Yes. Stripe supports PCI-compliant token migration to other processors, and we handle the import. Customers never re-enter details.
Is HL Hunt as developer-friendly as Stripe?
Yes. One REST API, signed webhooks, hosted and embedded checkout, test mode, and complete documentation.
Why is HL Hunt's headline rate slightly higher?
Because it includes what Stripe charges extra for: billing, fraud tools, dispute automation, and same-day settlement. At most volumes, the all-in cost is lower.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.