How to Get Paid Online Without Stripe

Why creators increasingly look beyond Stripe

A creator in London may operate subscriptions, livestreams and digital sales simultaneously. A creator in Lagos may build an entire online business through mobile-first social platforms. A creator in São Paulo may receive audience support from several countries every day.

The internet already operates globally.

Many payment systems still often behave regionally.

Modern creators increasingly monetize through:

• subscriptions

• digital products

• audience support

• online communities

• cross-border participation

• mobile-first commerce

Yet many creators eventually search for alternatives to traditional processors because of:

• payment holds

• account reviews

• withdrawal delays

• regional payout limitations

• processor dependency

• fragmented settlement systems

Spondula is being built around a different direction: a wallet-first global payments network where creators, freelancers and businesses can send, receive, hold, accept and participate through wallets and S-Handles rather than depending entirely on fragmented payout infrastructure.

Modern online businesses increasingly require payment infrastructure designed for global internet participation.

Why traditional online payouts still feel fragmented

Many creators and online businesses currently rely on combinations of:

• Stripe

• PayPal

• Wise

• Payoneer

• subscription platform payouts

• bank transfers

These systems support online commerce globally.

However, many creators still experience:

• processor dependency

• withdrawal timing friction

• regional payout restrictions

• cross-border settlement delays

• currency conversion costs

• banking coordination challenges

That becomes especially visible across:

• Brazil

• Mexico

• Philippines

• Nigeria

• South Africa

• Eastern Europe

where creator participation and digital commerce expanded faster than payout infrastructure evolved.

Why payment identity matters for online businesses

Modern creators and online businesses already build audience trust around:

• handles

• creator aliases

• digital identity

• online profiles

• community recognition

Yet many payment systems still often revolve around:

• bank account details

• routing numbers

• IBANs

• processor-specific usernames

• manual payout coordination

That creates friction between:

• internet-native business identity

• traditional financial infrastructure

Spondula positions the S-Handle as a portable payment identity linked to wallet infrastructure.

Instead of asking customers for:

• bank details

• routing information

• manual payment instructions

• processor usernames

the business simply shares an S-Handle.

That creates a cleaner payment experience closer to modern internet participation.

“Modern online businesses already operate globally through digital identity. Payments increasingly need to move with the same simplicity.”

How creators and businesses can receive payments through an S-Handle

An S-Handle is designed as a portable payment identity linked to a Spondula wallet.

The intended experience becomes closer to: