Stripe vs PayPal
A side-by-side look at Stripe and PayPal — pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  Stripe4.5(4) Sponsored |  PayPal4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2.9% + $0.30 | 2.99% + $0.49 |
| In-person rate | 2.7% + $0.05 | 2.29% + $0.09 |
| Keyed-in rate | 3.4% + $0.30 | 3.49% + $0.09 |
| International | +1.5% | +1.5% |
| ACH / bank | 0.8% (cap $5) | 0.8% (cap $5) |
| Monthly fee | $0 | $0 |
| Setup fee | — | — |
| Monthly minimum | — | — |
| Chargeback fee | $15 | $20 |
| Pricing model | Flat rate, Custom quote | Flat rate |
| Contract | No contract | No contract |
| Free trial | No | No |
| Payout time | 2-day | Instant |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | Yes | No |
| Google Pay | Yes | No |
| ACH | Yes | No |
| SEPA | Yes | No |
| BNPL | Yes | Yes |
| Wallets | Yes | Yes |
| PayPal | No | Yes |
| Integrations | ||
| API | Yes | No |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | No |
| Shopify | Yes | Yes |
| WooCommerce | Yes | Yes |
| Mobile SDK | Yes | No |
| Payment links | Yes | Yes |
| Invoicing | Yes | Yes |
| BigCommerce | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Multi-currency | Yes | No |
| Fraud protection | Yes | Yes |
| 3D Secure | Yes | No |
| Tokenization | Yes | No |
| Marketplace split | Yes | No |
| Reporting dashboard | Yes | Yes |
| Developer-friendly | Yes | No |
| Chargeback protection | No | Yes |
| Company | ||
| Founded | 2010 | 1998 |
| Headquarters | San Francisco, CA, USA | San Jose, CA, USA |
| Company size | 1000+ staff | 1000+ staff |
| Regions | US, CA, EU, UK, Global | US, CA, EU, UK, Global |
| PCI level | Level 1 | Level 1 |
| Currencies | 135+ currencies | 100+ currencies |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||