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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    PayPal Payments Pro

    Score8.5 out of 10
    N/APayPal Payments Pro is an enterprise-class ecommerce payment solution, that provides payment processing security to build a professional-grade ecommerce site. It can be configured to meet business needs and works across devices. Users can tap into over 390 million active customer accounts around the globe.

    $0.02

    per transaction

    Stripe Payments

    Score9 out of 10
    N/AStripe is a payment gateway software solution which supports a range of payment related needs such as subscription management and recurrent billing via Stripe Billing, integration with third party payment services via the Stripe Connect API, assistance starting an Internet business which accepts payements via Stripe Atlas, fraud prevention via Stripe Radar, and payment analytics via Stripe Sigma. Additional features and modules include Stripe Issuing, which allows users to create,…

    $0.02

    per charge

    Pricing
    PayPal Payments ProStripe Payments
    Editions & Modules
    QR code Transactions
    1.90% + fixed fee
    per transaction
    Charity Transactions
    2.20% + fixed fee
    per transaction
    Commercial Transactions - In-Store
    2.70% + fixed fee
    per transaction
    Commercial Transactions - Online
    2.90% + fixed fee
    per transaction
    PayPal's pay later offers
    2.90% + fixed fee
    per transaction
    Venmo
    2.90% + fixed fee
    per transaction
    Sigma
    $0.02
    per charge
    Radar
    $0.05
    per screened transaction
    Issuing
    $0.10
    per virtual card
    Terminal
    2.7% + 0.05
    per successful charge
    Integrated
    2.9% + 0.30
    per successful charge
    Atlass
    $500
    one-time fee
    Premium Support
    1,800
    per month
    Customized
    Contact sales team
    Offerings
    Pricing Offerings
    PayPal Payments ProStripe Payments
    Free Trial
    NoNo
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional Details
    More Pricing Information
    Community Pulse
    PayPal Payments ProStripe Payments
    Considered Both Products
    PayPal
    Chose PayPal Payments Pro
    Stripe is not as robust as PayPal. PayPal offers way more services and features compared to Stripe. Stripe is a good platform that integrates well with other software. But Stripe doesn't have all the benefits that a giant like PayPal has. Stripe is a bit more difficult to set …
    Incentivized
    Chose PayPal Payments Pro
    Stripe has lower fees which I like better, but money takes longer to reach my bank.

    I haven't heard of Stripe freezing people's funds either, which is a major concern of mine in continuing to use PayPal.
    Incentivized
    Chose PayPal Payments Pro
    We chose PayPal Payments about 10 years ago because it was easy to get up and running. We had not considered using another provider until recently when we had a less-than-positive experience with PayPal customer service. Stripe is an up-and-coming competitor with PayPal …
    Incentivized
    Chose PayPal Payments Pro
    I advise my customers to pay via Stripe rather than PayPal. Stripe fees are cheaper - 3% for international transfer (PayPay 4,4%), 2% for currency exchange (PayPal 4%) - currency exchange happens more seldom as I can make payouts in PLN and EUR (PayPal PLN only). Stripe has a …
    Incentivized
    Chose PayPal Payments Pro
    Stripe certainly has it's place in accepting payments online. However, it's more difficult to setup and to my knowledge isn't geared towards accepting invoice payments.
    Incentivized
    Chose PayPal Payments Pro
    PayPal gets me money quicker than Stripe does, but Stripe integrates with Acuity.
    Incentivized
    Chose PayPal Payments Pro
    It's the most basic way of receiving payments that also allows you to be recognized since it's a household name. The fees all stack up relatively alike so you are not getting a deal by either one. Having the option of a more basic system helps.
    Incentivized
    Stripe
    Chose Stripe Payments
    QuickBooks & PayPal have done a good job actually getting me the cards & bank transfers I run through them!
    Incentivized
    Chose Stripe Payments
    We found that Stripe was much easier to have integrated with our site, as well as easier on the users when it comes to inputting payments. On our end, the dashboard and reporting are very easy to utilize and make it very easy to understand how our business is doing.
    Incentivized
    Chose Stripe Payments
    Stripe compares to all these with the same amount of fees, but easier to use.
    Incentivized
    Chose Stripe Payments
    The Stripe API provides a great deal more functionality, is better documented, and is usually perceived by our clients as a more ‘professional’ solution. It also provides a more extensive feature set in the account dashboard.
    Incentivized
    Chose Stripe Payments
    We selected Stripe largely because it was already integrated into Planning Center Online Giving - we had the option of choosing other payment processors, but it would have added work and complicated the information flow. Stripe made their services easy to adapt to, and the …
    Incentivized
    Chose Stripe Payments
    Stripe provides far better tools for reporting and tracking of revenue. It also enabled the feature to checkout on our website without requiring a redirect or having to complete a site audit as is required with some card processors. The website installation was completed within …
    Incentivized
    Chose Stripe Payments
    When you compare it to PayPal, Stripe is a no brainer. Better fees, better support.
    Incentivized
    Chose Stripe Payments
    We initially wanted integrated PayPal as a payment method, but as more customers were asking for different payment providers we eventually switched to Stripe to accommodate their requests.
    Incentivized
    Chose Stripe Payments
    Paypal is much better due mainly to the server hardly ever having outages, just as easy if not easier to install and customers are used to the brand and trust it more than others. Square is very similar to Stripe but obviously integrates with its own system so has very few …
    Incentivized
    Chose Stripe Payments
    Stripe is already integrated with Shopify so is easier to set up for your eCommerce site without the need for programming.
    Incentivized
    Chose Stripe Payments
    PayPal's support during issues has been abysmal in our experience to say the least. Our software team has reported bugs to PayPal's team, and these bugs were either ignored after years of multiple reports and in some cases simply deleted without response.

    If PayPal were not …
    Incentivized
    Chose Stripe Payments
    As mentioned, if you are selling on Shopify, I would go with Shopify Payments instead of Stripe. The main difference between the two are the fees. Stripe currently charges a 2.9% + $0.30 while Shopify Payments can drop to 2.4% + $.30 per order. Another difference is that Shopif…
    Incentivized
    Chose Stripe Payments
    Stripe is much easier to set up and use, has a simpler UI, and lower transaction fees. A no-brainer when it comes to taking credit card payments online.
    Incentivized
    Chose Stripe Payments
    Stripe was basically the easiest to install, configure, and use with my set up of WordPress with WooCommerce. Additionally, I was able to expand functionality with paid plugins to get me the setup I needed to sell to my customers. Other processors have the same fee structure, …
    Incentivized
    Chose Stripe Payments
    Paypal has a high number of policy changes that are frequent, things are always changing in the back end. I've heard various reports of Paypal holding funds from business owners, pulling out money from business bank accounts and more. They believe fraudulent buyers over trusted …
    Incentivized
    Chose Stripe Payments
    Stripe and Paypal are both excellent options for accepting payments. Paypal is a little more widely accepted for international payments, but domestically within the US we see that most of our customers use the Stripe module for payment processing over Paypal. Both are equally …
    Incentivized
    Chose Stripe Payments
    Stipe vs PayPal: Stripe has a lower rate and a more modern interface. It integrated with the Memberpress membership plugin we use for client sites. Stripe vs Worldpay: Stripe has a much better interface and the user experience for the customer is much better. With Worldpay, …
    Incentivized
    Chose Stripe Payments
    Stripe is heads above Authorize just by its fees and reporting. It is also very inline with PayPal but we like it more for the simplicity and the reporting capabilities.
    Incentivized
    Chose Stripe Payments
    Stripe does subscriptions pretty well, and the API makes it really easy to work with compared with PayPal. And Shopify seemed to have a lot more limitations as to where it could be implemented, when we researched it several years ago.
    Incentivized
    Chose Stripe Payments
    Stripe is significantly easier to integrate with than all other payment processors. We have integrations with Authorize.Net & CyberSource, but their support is extremely poor when compared with Stripe. We have an integration with PayPal as well, but have effectively deprecated …
    Incentivized
    Chose Stripe Payments
    As I wrote previously in the review, Stripe has a very clear and pretty intuitive user interface which helps to attract new users. Also Stripe integration process with new software products is quite simple. I would also note that Stripe is more popular that WePay and Amazon Pay,…
    Incentivized
    Chose Stripe Payments
    When deciding what payment processing platform to implement, we chose between Dwolla, Paypal, Braintree, Google Marketplace, and of course, Stripe. Most of the options had similar offerings. Dwolla had a different pricing structure which requires an enterprise contract. Dwolla
    Incentivized
    Chose Stripe Payments
    I've used PayPal in the past and while it's great for trustworthiness, it's not as nice as Stripe. I prefer to use Stripe due to the dashboard, coupon functionality, easy subscription billing, nice invoices, and integration features available. PayPal is still a great platform, …
    Incentivized
    Chose Stripe Payments
    Compared to using PayPal for recurring monthly fees, Stripe is more professional, better designed, and gives you more control over everything. PayPal is easy to get started, and it's possible to use even on a flat-file website, but Stripe is by far a better experience once …
    Incentivized
    Chose Stripe Payments
    They are very similar. PayPal charges you monthly to have the ability to set up monthly payments. I had a problem with PayPal earlier this year where it would let me set up a recurring payment but then would not let me charge my customer the following month. It's actually a …
    Incentivized
    Key User Insights
    Would buy again
    85%
    Would buy again
    34 Answers
    88%
    Would buy again
    50 Answers
    Delivers good value for the price
    90%
    Delivers good value for the price
    36 Answers
    91%
    Delivers good value for the price
    50 Answers
    Happy with the feature set
    90%
    Happy with the feature set
    36 Answers
    93%
    Happy with the feature set
    53 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    33 Answers
    86%
    Lived up to sales and marketing promises
    44 Answers
    Implementation went as expected
    95%
    Implementation went as expected
    35 Answers
    92%
    Implementation went as expected
    48 Answers
    Features
    PayPal Payments ProStripe Payments
    Payment Gateways
    Comparison of Payment Gateways features of PayPal Payments Pro and Stripe Payments
    Feature
    PayPal Payments Pro
    -
    Ratings
    Stripe Payments
    7.6
    8 Ratings
    3% above category average
    Fraud Detection00 Ratings7.28 Ratings
    API or SDK00 Ratings8.58 Ratings
    Recurring Payment Support00 Ratings6.68 Ratings
    Billing and Invoicing Support00 Ratings8.68 Ratings
    Global Support00 Ratings8.07 Ratings
    Payment Form Acceptance00 Ratings6.67 Ratings
    Best Alternatives
    PayPal Payments ProStripe Payments
    Small Businesses
    Apple Pay
    Score9.1 out of 10
    Apple Pay
    Score9.1 out of 10
    Medium-sized Companies
    Payoneer
    Score8 out of 10
    Payoneer
    Score8 out of 10
    Enterprises
    Checkout.com
    Score10 out of 10
    Checkout.com
    Score10 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    PayPal Payments ProStripe Payments
    Likelihood to Recommend
    8.2
    (72 ratings)
    8.9
    (85 ratings)
    Likelihood to Renew
    -
    (0 ratings)
    10.0
    (3 ratings)
    Usability
    -
    (0 ratings)
    7.5
    (7 ratings)
    Support Rating
    2.3
    (9 ratings)
    10.0
    (16 ratings)
    Implementation Rating
    -
    (0 ratings)
    10.0
    (1 ratings)
    User Testimonials
    PayPal Payments ProStripe Payments
    Likelihood to Recommend
    PayPal
    Paypal is great for personal payments as well as business payments for ecommerce of for paying monthly memberships. It is a user friendly software that needs little expertise to get used to. For larger payments, the fees become high therefore it is more suitable for payments of upto few hundred dollars.
    Read full review
    Stripe
    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.
    Incentivized
    Read full review
    Pros
    PayPal
    • PayPal offers me the option of converting my currency deposited in my account to another currency, so I can complete all kinds of payments and send money to employees who are in another country for business reasons.
    • The mobile phone application is too fast, I can make payments to my employees in a matter of seconds without having to wait for the web version to load.
    • Scheduled payments are great. PayPal allows me to add a list of contacts to my PayPal Business account, and after adding the contacts, I can schedule payments for a specific day and time. It's easier to make automated payroll payments with PayPal.
    Incentivized
    Read full review
    Stripe
    • 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.
    Incentivized
    Read full review
    Cons
    PayPal
    • Sometimes the UX flow would not deliver the customer back to our site, leaving orders in limbo "Pre-approved" status. The customer would call days later asking why we hadn't shipped it.
    • The PayPal logo on the checkout page can be kind of large and obtrusive.
    • They mention new features and programs on their login page, but it's hard to find any details on them deeper in the software.
    Incentivized
    Read full review
    Stripe
    • 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.
    Incentivized
    Read full review
    Likelihood to Renew
    PayPal
    No answers on this topic
    Stripe
    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
    Incentivized
    Read full review
    Usability
    PayPal
    No answers on this topic
    Stripe
    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.
    Incentivized
    Read full review
    Support Rating
    PayPal
    Customer service representatives were unable to explain why customer in Australia were unable to make payments using our link. It turned out that customers in Australia must create an account. PayPal's user interface did not reveal this to our customers in Australia. There was plenty about this issue appearing in online forums and PayPal customer service couldn't explain this. This change in PayPal's usability happened between April and May of 2021 and was done without notice to vendors (like us).
    Incentivized
    Read full review
    Stripe
    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.
    Incentivized
    Read full review
    Implementation Rating
    PayPal
    No answers on this topic
    Stripe
    It took less than an hour to have everything setup and running
    Incentivized
    Read full review
    Alternatives Considered
    PayPal
    I don't think there's really any competition here. There's Venmo (also owned by PayPal) who is now offering business accounts, but it still isn't quite the same. The closest thing in terms of ease of use would be Apple Pay or Google Pay (and there are a handful of others out there, but we offer Apple and Google Pay). As a business, I prefer Apple or Google Pay to PayPal Payments, but we offer either Google or Apple Pay, PayPal, and credit card options and PayPal is always right up there with credit cards. I don't foresee us ever getting rid of PayPal Payments as an option, but we do try to only offer it on request for higher ticket items or high dollar installment purchases.
    Incentivized
    Read full review
    Stripe
    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.
    Incentivized
    Read full review
    Return on Investment
    PayPal
    • Our daily revenue has been increased when started PayPal Payments as the payment gateway.
    • Refund rate and recurring revenue is stable and disputes are handled properly.
    • Forex Fluctuations is controlled and solved the buying experience for few users.
    • Solved problem for different currencies and retained our users.
    Incentivized
    Read full review
    Stripe
    • 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.
    Incentivized
    Read full review
    ScreenShots