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We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.
We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.
With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.
And having recently gone through implementing both Stripe and GoCardless to get monthly subscriptions set up and automated on my company website, I felt there was no better time to write this blog post!
If you're currently looking at working with a Payment Gateway provider API, or you're currently working with one but are not a fan, are looking to automate things a bit more, or are just generally thinking about changing, then you should have a read of my latest blog post where I compare Stripe and GoCardless.
I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).
There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:
- API ease of use
- API documentation
- Payment pages
- Costs / fees
- Security
- Developer appeal
- Customer experience
- Free Trial
So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!
Stripe was made with developers in mind first so the extensibility of it is great! This makes it very easy for us to integrate and automate as much as we need with its APIs and SDK. It allows a lot of customization of exactly what we need to build our applications. They also manage all of our customers from a tax and accounting perspective which makes it easy from a business standpoint.
Pros of Chargify
Pros of PayPal
- Most known service194
- Consumers know it134
- It's available for many countries111
- Easy67
- Best way to get paid outside US54
- Most widely used payment processor34
- Express Checkout24
- Consumers trust it15
- Flexible and secure14
- Digital Goods for Express Checkout6
- PayPal0
Pros of Stripe
- Easy setup299
- Developer friendly291
- Well-designed api248
- Great documentation191
- Clear pricing171
- Secure75
- Reliable74
- Full integration with webhooks63
- Amazing api43
- Great customer support38
- Easy11
- Credit cards never hit your server - no pci worries6
- No merchant account/gateway required4
- Support for SCA (Strong Customer Authentication)2
- BitCoin2
- Great app2
- Fast UI2
- Easy to integrate2
- Recurring billing2
- Beautiful1
- Checkout.js1
- Great UI1
- So easy to use1
- Payments without own backend (using Stripe Products)1
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Cons of Chargify
Cons of PayPal
- Not well written recurring payment api1
- Less countries supported1
- Harder to get started with1
Cons of Stripe
- Connect3
- They keep 25% of the income for 60 days2
- Does NOT have a currency conversion option like Paypal1
- CANNOT withdraw USD to a Canadian Bank Account1