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Stripe

Stripe

SaaS & Developers

VS

PayPal

Global e-commerce

PayPal
Fees from
1.5%–3.15% + 1.8 SEK vs 2.9% + $0.30 + split fees
Features

4 shared

2 unique to Stripe · 1 unique to PayPal
Regions

7 shared

Pay methods

8 shared

12 unique to Stripe · 11 unique to PayPal
On region

Both cover 7 regions. Verify directly with each provider before signing.

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Show full specs
7 features · 31 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
PayPal PayPal
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
2.9% + $0.30 + split fees
Settlement
Time to receive funds
2–4 business days
3–5 business days
Founded
2010
1998
Headquarters
South San Francisco, California
San Jose, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 5)
Crypto Support
✓
✓
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 19)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Bnpl Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover
✓
✓
Eps Unique
—
✓
Giropay Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard
✓
✓
Paypal
✓
✓
Przelewy24 Unique
—
✓
Sepa Unique
✓
—
Sofort Unique
—
✓
Stablecoin Unique
✓
—
Trustly Unique
—
✓
Unionpay Unique
✓
—
Venmo Unique
—
✓
Visa
✓
✓
Regions
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓

Stripe is best when you...

SaaS & Developers
Need Recurring Payments
Not available with PayPal
Need Startup Friendly
Not available with PayPal
View Stripe

PayPal is best when you...

Global e-commerce
Need Low Fees
Not available with Stripe
View PayPal

Frequently Asked Questions

What is the difference between Stripe and PayPal?
They share 8 payment methods and 7 regions. Stripe adds ACH, Affirm, Afterpay and 9 more that PayPal does not list; PayPal adds Bancontact, BLIK, Buy Now Pay Later and 8 more that Stripe does not list; only Stripe offers Recurring Payments, Startup Friendly; only PayPal offers Low Fees.
Which is cheaper, Stripe or PayPal?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; PayPal has published rates from 2.9% + $0.30 + split fees. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and PayPal?
Stripe lists 7 regions and 20 payment methods; PayPal lists 7 and 19. both cover Africa, Asia, Europe and 4 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and PayPal compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, PayPal in 3–5 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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