I have also used MoonClerk which uses Stripe. MoonClerk is a great company and very easy to use. The problem I had was, I did not like getting charged twice. Stripe charges you 2.9% and MoonClerk charges you a monthly fee based on your monthly volume. Both companies are good and both have there pros and cons. I just feel Heartland is a better choice for me. Although it was a pain getting through the application process.