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Stripe vs. PayPal Here
Two types of payment processors — one for online stores and another for mobile.
Stripe is a big name in the payment processing industry. And while PayPal is a popular service for accepting online payments, PayPal Here is for in-person transactions. Find out which service is best for your business.
How do Stripe and PayPal Here compare?
Which should I choose?
Choose Stripe if you have the technical skills to design a digital storefront.
Choose PayPal Here if you have a mobile or brick-and-mortar store.
A good option for online merchants with international customers.
A good option for venders that want an integrated point-of-sale (POS) system.
Processing fees start at
2.9% + 30¢ per successful card charge
2.7% per transaction
2 business days
Same day with a linked PayPal Business Debit Mastercard
High-risk merchants accepted?
BBB letter rating" class="tooltip-format">
Based on 6,088 reviews
PayPal Here does not have a Trustpilot page
Reputation and customer reviews
Reviews for Stripe are mixed. While many customers applaud its seamless onboarding process, many negative reviews mention transaction holds, account terminations and payout delays, which are all common problems among third-party processors.
Most reviews from Google Play and the App store are positive. Customers appreciate PayPal’s quick transaction processing, while others complain about frustrating software login errors.
Compare other payment processors
Stripe may be a good option for code-savvy online businesses. But PayPal might be a better option for in-person transactions since it doesn’t have an online shopping cart or checkout feature for websites.
Consider other payment processing options if you’re looking for a brick-and-mortar, mobile and digital storefront integrated payment processor.
Frequently asked questions
Can I view my PayPal Here reports online from my computer?
No. PayPal Here reporting is accessible on the app, but you’ll need to email the CSV file to yourself to view it on a computer.
How long do Stripe payouts take?
Payouts take two business days to arrive in your bank account once you’re set up in the US.
How do Stripe refunds work?
You can issue partial or full refunds at no charge. But the fees from the original purchase are not refundable.
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