#Stripe

Stripe is the go-to credit card processor for cross-border independent stores, yet it imposes strict eligibility rules for mainland Chinese businesses. This guide covers core questions clearly: whether mainland entities qualify for direct sign-up, how to register via Hong Kong or US entities, pre-application document preparation, actionable tips to lower account review risks, and step-by-step integration workflows for Shopify and WooCommerce.

Choosing the wrong cross-border payment method costs you not just fees, but also checkout conversion and cash flow efficiency. Based on real-world scenarios, this article compares the core differences among five mainstream cross-border payment solutions in 2026, with tailored recommendations for independent store sellers, freelancers, and global businesses.