Stripe has been developed for web users not by banks just moving bank apps to web. Their APIs are easy to use and understandable and they have support for lots of languages.

They are also incredibly flexible and it's possible to do things with Stripe that other providers don't allow (for example implementing annual billing it's difficult to get authorisation as a start-up - even if it's only $20 a month, that's $240 annually which means there's a year to charge-back - so implement it as a one off payment, which does mean doing annual billing yourself, but there's a year to get it right).

They also have fantastic start-up deals (if you know the right accelerator or other provider) easy to get transaction fees waived.

They also have engineers at hand to help you with any issues, who actually know the product.

Paypal comes with tons of old APIs, and new ones that are incomplete. There are bugs in the documentation, bug with their implementation. And their support department is completely clueless.

Frankly it is only good if you use its light mode: a direct payment with no recurring fees. So forget about it if you want to put in place things like Subscription mode, their are better players out there to do that.

I love Stripe. They were super, super easy to set up — it was less than 5 minutes and I could already put test payments through my app! They take a huge chunk off of small transactions (if you're only charging $3, you only get $2.61), so they kind of make you raise prices on small fees. However, I love not having to worry about security or managing anything, just getting paid!

https://developer.paypal.com/demo/checkout/#/pattern/client