PayPal Business vs Stripe
Verdict: Stripe edges out PayPal Business on customization and global reach, offering 135+ currencies versus PayPal’s 100+ and a more developer‑friendly API (per Stripe.com). PayPal still wins on immediate balance availability and brand trust, which can boost conversion for casual shoppers (per PayPal.com). Compared to Square, both charge similar fees but Stripe’s lower payout lag gives it a performance edge.
Winner: Stripe
PayPal Business: 7/10
Stripe: 7.5/10
Spec-by-spec comparison
| PayPal Business | Stripe | |
|---|---|---|
| Transaction fee | 2.9% + $0.30 per transaction (per PayPal.com) | 2.9% + $0.30 per transaction (per Stripe.com) |
| Payout time | 1‑2 business days to bank (per PayPal.com) | 2 business days (standard) (per Stripe.com) |
| Supported currencies | 100+ (per PayPal.com) | 135+ (per Stripe.com) |
| Integration options | Hosted checkout, REST API (per PayPal.com) | Extensive APIs, webhooks, SDKs (per Stripe.com) |
PayPal Business
What works
- Widely recognized brand and buyer trust
- Instant balance for PayPal transfers
- Simple setup with hosted checkout
What doesn't
- Higher fees for international transactions
- Limited customization compared to Stripe
Stripe
What works
- Highly customizable API
- Transparent pricing and no monthly fees
- Broad developer ecosystem
What doesn't
- No built‑in buyer wallet, requires own UI
- Payouts not instant, 2‑day lag
Bottom line
Our pick: Stripe.
View full comparison on GoodPickr
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