PayPal vs Stripe

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PayPal
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PayPal vs Stripe: What are the differences?

What is PayPal? Send Money, Pay Online or Set Up a Merchant Account. 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? Payments for developers. Stripe makes it easy for developers to accept credit cards on the web.

PayPal and Stripe can be categorized as "Payment Services" tools.

Some of the features offered by PayPal are:

  • 2.9% + $0.30 or less- With our flat, transparent pricing, you’ll never be surprised by hidden or variable fees. We also offer discounted rates when you sell a lot, or when you use our card reader.
  • Keeping every seller secure- If you’re sent an unauthorized payment, or a buyer claims they never received an item, our Seller Protection covers you for the full amount of the eligible payment.
  • Easy for them, easy for you- With just a few clicks, you can get paid by debit card, credit card, or a PayPal transfer. All someone needs to start buying from you is your e-mail address or mobile number.

On the other hand, Stripe provides the following key features:

  • Full-stack payments- You don’t need a merchant account or gateway. Stripe handles everything, including storing cards, subscriptions, and direct payouts to your bank account. Stripe.js lets you build your own payment forms while still avoiding PCI requirements.
  • An API that gets out of your way- It’s so easy, we’ve embedded a bunch of examples right here. Copy some of these requests into your terminal and check out what happens. With wrappers in Ruby, PHP, Python and more, you can get started in minutes.
  • Pricing like it should be- 2.9% + 30 cents per successful charge. No setup fees, no monthly fees, no card storage fees, no hidden costs: you only get charged when you earn money.

"Most known service", "Consumers know it" and "It's available for many countries" are the key factors why developers consider PayPal; whereas "Easy setup", "Developer friendly" and "Well-designed api" are the primary reasons why Stripe is favored.

Hipmunk, Exec, and Kickstarter are some of the popular companies that use Stripe, whereas PayPal is used by Uber Technologies, ebay, and Asana. Stripe has a broader approval, being mentioned in 1601 company stacks & 508 developers stacks; compared to PayPal, which is listed in 730 company stacks and 561 developer stacks.

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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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Why do developers choose PayPal?
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What are the cons of using PayPal?
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What companies use PayPal?
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What are some alternatives to PayPal and Stripe?
WePay
WePay helps people sell tickets to events, send invoices, sell items online, and accept donations online. WePay also provides an API that allows developers to access its payments platform.
Payoneer
It is a financial services company that provides online money transfer and digital payment services and working capital solutions
TransferWise
It bypasses pricey international payments entirely by using two local transfers instead of one international transaction. If you want to convert your pounds to euros, you send the money in pounds to its UK-based account.
Braintree
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.
Recurly
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.
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Reviews of PayPal and Stripe
Review ofStripeStripe

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.

Review ofPayPalPayPal

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.

Review ofStripeStripe

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!

How developers use PayPal and Stripe
Avatar of Volkan Özçelik
Volkan Özçelik uses StripeStripe

Integrating Stripe to your app is dead simple.

It removes all the hassle of integrating with a payment gateway.

Its API is developer-friendly and intuitive, reliable, and works all the time.

It’s my payment gateway of choice.

Avatar of Scrayos UG (haftungsbeschränkt)
Scrayos UG (haftungsbeschränkt) uses PayPalPayPal

PayPal is used as one of our payment-gateways included in our shop-solution. We only use PayPal for direct debits/charges from bank-accounts as we got Stripe for credit-card transactions.

Avatar of Scrayos UG (haftungsbeschränkt)
Scrayos UG (haftungsbeschränkt) uses StripeStripe

Stripe is used as one of our payment-gateways included in our shop-solution. We only use the credit-card features of it and don't accept any bitcoins (yet).

Avatar of Refractal
Refractal uses StripeStripe

Payments? Stripe. There's pretty much no other option that's as easy or pretty to work with out of the box, you just plug it in and watch the fireworks.

Avatar of AngeloR
AngeloR uses StripeStripe

CC handler for our membership system. It was an easy choice for how quickly we were able to implement it, as well as the disputed payment process.

Avatar of Gitt
Gitt uses PayPalPayPal

Recognized by millions of customers as the most secure and reliable platform, we giving options to the customer on how they will subscribe.

Avatar of Pathwright
Pathwright uses StripeStripe

We started with PayPal initially, but Stripe appeared and made our lives much easier. They are now our primary payment service.

Avatar of osu! Ripple
osu! Ripple uses PayPalPayPal

Donations are processed through PayPal, mostly. So it's a pretty indespensable tool, as it's our main source of income.

Avatar of eXon Technologies
eXon Technologies uses PayPalPayPal

We are using Braintree that is PayPal company for our payments on our website. No more redirects to PayPal :-)

Avatar of Promethean TV
Promethean TV uses PayPalPayPal

PrometheanTV utilizes the Paypal Payment services to provide various e-commerce and payment related features.

How much does PayPal cost?
How much does Stripe cost?