Paddle vs. Stripe Payments vs. XPAY

I wouldn't recommend them to anybody because their support is getting worse and worse and their business processes require you to contact support whether you want to or not. You will be forced to contact support and then wait for days to get any meaningful response that's not a copy/pasted sentence from FAQ.

We had a client who wanted a QR to use in their marketing, which enabled their clients to donate to us. It was so useful to be able to set it up, and we can track the views and donations received using this code. Another client with issues with our website wanted to set up a monthly subscription, so I sent her a payment link, which worked brilliantly. For clients that want to make one-time donations, it also lets the client choose the amount. The only scenario where we haven't been able to help is when clients want to change the card associated with the payment - whilst we understand it is for security/gdpr, it means they have to cancel and set up something new, which poses the danger that we may lose them as a customer.

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Xpay is perfect for a centralized location for all payments coming in. It also handles the security and ease to be incorporated by our IT team into the online portal. A vast array of different payment methods ensure all possible options are covered. You can then track what has been paid and now and send reminders.

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• Super easy to implement SDKs across supported platforms that support modern interface paradigms.
• Real team members that provide backend support for merchant issues. We had issues addressed quickly and taken seriously whenever we needed anything.
• Help with navigating VAT transparently. We never worried that we were messing up in this complicated area of international sales.
• Great first line customer support reduces the need for an extensive customer support organization on our end. They dealt with all purchase related issues as well as lightweight technical issues (e.g pointing users to FAQs, update links, etc.).

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• They are reliable. I can count on everything going smoothly with transactions.
• They are accurate. I don’t run into problems with collecting the proper amounts or being overcharged for fees.
• They have good customer service. If I have a question about the customer portal or a problem with a customer, they help me resolve these issues.

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• perfect for getting payment for invoices
• allows users to use card payments
• shows revenue real time

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• Analytics could support more flexible analysis of reported data and better custom events.
• More customization of the drop in purchase UI on the web without the need for a full custom site integration.
• Sometimes communication from their front line support staff has gone to the wrong address.

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• It would be nice to be able to see my Shopify payments from my main payment gateway. I currently have to go to Shopify for that.
• The ability to be able to offer discounted rates at a smaller threshold would be nice.

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• could be more incorporable into accountancy software
• easier OFX exportation

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Stripe is the leader in the industry when it comes to any type of industry. All that is needed is a plan and then implementing that plan either with a developer, or through the help of Stripe's customer service team to assist in getting you setup. The ease of use time it takes to get up and running is second to none

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Stripe offers a very easy-to-navigate platform with many different functions. From linking it to our website and accounting platform to tracking our payments, being able to issue a refund quickly if required, and setting up QR codes and payment links for subscriptions or one-time donations, it really covers so many aspects that we need and use on a weekly and monthly basis.

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Stripe's support is nearly perfect – great attention to detail, fast response times, and a willingness to really dig into issues and get to the bottom of them. In the five years we've been using Stripe, the only negative thing I can say about their customer support is that it seems like there has been a slight shift to less technical front-line support agents, which means it's more likely your issue will have to be escalated before you get more information. This, however, has happened as Stripe rolled out more real-time support features like call and chat, and that really isn't workable if you're escalating everything right off the bat. It's absolutely an acceptable trade-off.

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It took less than an hour to have everything setup and running

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We tried using Stripe before Paddle, but it was a pain integrating it and it lacked the licensing. Paddle allows us just to add a payment button and don’t ever think about payment methods, we don’t have to make a separate button for card payments and another one for PayPal. Paddle does all this in their checkout process.

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Stripe is easier to use and offers better support and rates. My favorite part with Stripe is probably their ready-to-use plug-in that's offered for me. We have multiple eCommerce stores and we rely on our payment process going smoothly. The plug-in from Stripe is free, constantly updated, secure, and very easy to implement.

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Xpay could do with some more personalization features but is more cost effective. For example ability to add photos or videos to requests. Payment can be taken via ascend but accepts less payment types and is not as secure hence the replacement with Xpay. Xpay is a simplified version and easy to use and scale.

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• We wanted to grow faster, which was possible once we integrate recurring payment gateway. And we've got Paddle to do that.

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• It makes getting money from your clients really easy
• It gives your clients the guarantee that their payment information is totally secure and confidentially used and kept
• It is very easy to integrate with online assets of the company
• In a couple of occasions, some companies have wanted me to use Stripe for them to pay me, and I have had a couple of hiccups. This was more related to the way that these companies set up the Stripe integration of my account to their platform. In both cases, the integration has not been possible and to this date, I still do not know why with exactitude.
• As I said before, the commissions kept by Stripe could be lower, and shared with the CC companies, rather than having us clients pay for all of o it.

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• Saves a tone of time
• Extra cost could be cheaper
• Possibly cuts time for payments as people can pay however they like

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