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PayPal vs Stripe
PayPal is one of the payment receiving platforms we list, and Stripe is one of the card processing platforms. Fees — PayPal: Fees vary by transaction type and country. Stripe: Around 2.9% plus 30 cents per card charge (US).
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- Fees — PayPal: Fees vary by transaction type and country. Stripe: Around 2.9% plus 30 cents per card charge (US).
- Both pay out via Bank transfer. Only PayPal offers Debit card.
- PayPal is the older platform — founded in 1998, 12 years before Stripe (2010).
Which should you choose?
Choose PayPal if…
- You want to withdraw via Debit card.
- You prefer a long track record (since 1998).
Side by side
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PayPal
The most widely accepted way to get paid online - send an invoice or a PayPal.Me link and receive from almost…
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Stripe
The standard for accepting card payments online - anyone with a business (even a sole proprietor) can register…
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|---|---|---|
| Type | Payment receiving like Payoneer | Card processing like Stripe |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Fees vary by transaction type and country | Around 2.9% plus 30 cents per card charge (US) |
| Payout speed | Standard bank transfer free, Instant Transfer 1.75% (max $25) | 2 business days standard (US), Instant Payouts within 30 minutes |
| Withdraw via | Bank transfer, Debit card | Bank transfer |
| Availability | 200+ markets | 45+ countries (merchant side) |
| Founded | 1998 | 2010 |
| Headquarters | San Jose, United States | San Francisco, United States |
| Stock ticker | NASDAQ: PYPL | — |
| Popularity | 66 views · 0 likes | 49 views · 0 likes |
Frequently asked questions
Which is cheaper, PayPal or Stripe?
PayPal: Fees vary by transaction type and country. Stripe: Around 2.9% plus 30 cents per card charge (US).
How fast do PayPal and Stripe pay out?
PayPal: Standard bank transfer free, Instant Transfer 1.75% (max $25). Stripe: 2 business days standard (US), Instant Payouts within 30 minutes.
Where are PayPal and Stripe available?
PayPal: 200+ markets. Stripe: 45+ countries (merchant side).