Comparison
Stripe vs PayPal
Two online payment giants that solve different problems. Stripe is a full processing platform; PayPal is a payment method (and processor) with strong consumer recognition.
| Consideration | Stripe | PayPal Checkout |
|---|---|---|
| Pricing model | Blended per transaction | Blended per transaction, higher than most acquirers |
| Best channel | Full checkout, subscriptions, marketplaces | Additional payment method at checkout |
| Contract | No fixed term | No fixed term |
| Payout | Rolling to UK bank | To PayPal balance, then withdrawn |
| Best fit for | Ecommerce, SaaS, API-first businesses | Stores wanting to offer PayPal as an option |
Pricing
PayPal is typically the most expensive way to accept a card payment; its value is customer conversion, not price.
Together
Most UK ecommerce stores run Stripe as the main processor and PayPal as an additional method.
Suitability
Choose Stripe as the primary processor; add PayPal where its shopper base justifies the higher cost.
We don't declare a winner. The right provider for your business depends on your turnover, card mix, transaction values and existing contract position. Upload your statement for a personalised review.
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