Chargify vs PayPal vs Stripe

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Decisions about Chargify, PayPal, and Stripe
Lucas Litton
Director of Strategy at DigitalSignal · | 4 upvotes · 73.3K views

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.

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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!

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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.

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Pros of Chargify
Pros of PayPal
Pros of Stripe
    Be the first to leave a pro
    • 194
      Most known service
    • 134
      Consumers know it
    • 111
      It's available for many countries
    • 67
    • 54
      Best way to get paid outside US
    • 34
      Most widely used payment processor
    • 24
      Express Checkout
    • 15
      Consumers trust it
    • 14
      Flexible and secure
    • 6
      Digital Goods for Express Checkout
    • 0
    • 299
      Easy setup
    • 291
      Developer friendly
    • 248
      Well-designed api
    • 191
      Great documentation
    • 171
      Clear pricing
    • 75
    • 74
    • 63
      Full integration with webhooks
    • 43
      Amazing api
    • 38
      Great customer support
    • 11
    • 6
      Credit cards never hit your server - no pci worries
    • 4
      No merchant account/gateway required
    • 2
      Support for SCA (Strong Customer Authentication)
    • 2
    • 2
      Great app
    • 2
      Fast UI
    • 2
      Easy to integrate
    • 2
      Recurring billing
    • 1
    • 1
    • 1
      Great UI
    • 1
      So easy to use
    • 1
      Payments without own backend (using Stripe Products)

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    Cons of Chargify
    Cons of PayPal
    Cons of Stripe
      Be the first to leave a con
      • 1
        Not well written recurring payment api
      • 1
        Less countries supported
      • 1
        Harder to get started with
      • 3
      • 2
        They keep 25% of the income for 60 days
      • 1
        Does NOT have a currency conversion option like Paypal
      • 1
        CANNOT withdraw USD to a Canadian Bank Account

      Sign up to add or upvote consMake informed product decisions

      What is Chargify?

      Chargify simplifies recurring billing for Web 2.0 and SaaS companies. Build innovative web applications without worrying how to bill your customers.

      What is PayPal?

      PayPal is an online payments and money transfer service that allows you to send money via email, phone, text message or Skype. They offer products to both individuals and businesses alike, including online vendors, auction sites and corporate users. PayPal connects effortlessly to bank accounts and credit cards. PayPal Mobile is one of PayPal’s newest products. It allows you to send payments by text message or by using PayPal’s mobile browser.

      What is Stripe?

      Stripe makes it easy for developers to accept credit cards on the web.

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      Blog Posts

      Sep 29 2020 at 7:36PM logo


      PythonSlackG Suite+17
      Jun 19 2015 at 6:37AM logo

      What are some alternatives to Chargify, PayPal, and Stripe?
      Chargebee is a subscription billing platform that lets you bill, manage and understand your SaaS or subscription based eCommerce business easily.
      Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.
      Zuora gives you the enterprise-class, cloud-based tools you need to launch and scale any subscription service, quickly and affordably. Design your pricing and packaging, start taking quotes and placing orders, automate your billing and payments, and keep tabs on your financials.
      Recurly is the leading pay-as-you-go recurring billing service because setup is easy, integrations are quick, and our service grows with the needs of your business.
      Our Payments Orchestration Platform secures payments data and optimizes nearly USD 14 billion of annual transactions across virtually any payment service and gateway.
      See all alternatives
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      How much does Chargify cost?
      How much does PayPal cost?
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