# PayPal Payments vs Stripe Payments Comparison
---
## AI Generated Summary
- **G2 reviewers report** that PayPal Payments excels in user-friendliness, with many users highlighting its ease of use for collecting payments and transferring money efficiently. The auto bank transfer feature is particularly praised for its convenience, making transactions seamless.
- **Users say** that Stripe Payments stands out for its integration capabilities, with reviewers appreciating how easily it connects with existing tools like CRMs and backend systems. The extensive documentation is noted as a significant advantage, making it very developer-friendly.
- **According to verified reviews** , PayPal Payments has a higher overall satisfaction score, reflecting its strong performance in areas like ease of setup and multi-currency support. Users find it quick to set up and appreciate its universal appeal, as many customers already have PayPal accounts.
- **Reviewers mention** that while Stripe Payments is user-friendly for customers, it can be particularly beneficial for businesses managing recurrent payments and subscriptions, making it a solid choice for those specific needs.
- **G2 reviewers highlight** that PayPal Payments has a robust support system, with users noting the quality of assistance they receive. This is contrasted with Stripe Payments, which, while still offering good support, has slightly lower ratings in this area.
- **Users report** that both platforms have their strengths in mobile payments, but PayPal Payments receives higher marks for its quick money transfer capabilities, making it a preferred choice for users who prioritize speed and efficiency in transactions.



| | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.2 out of 5 | 
| **Total Reviews** | 2,743 | 454 | 
| **Largest Market Segment** | Small-Business (64.8% of reviews) | Small-Business (79.5% of reviews) | 
| **Entry Level Price** | $0 per month | No pricing available | 

---
## Top Pros & Cons

### PayPal Payments

Pros:
- Ease of Use (357 reviews)
- Easy Payments (252 reviews)

Cons:
- High Fees (177 reviews)
- Expensive (157 reviews)

### Stripe Payments

Pros:
- Ease of Use (40 reviews)
- Easy Payments (39 reviews)

Cons:
- High Fees (20 reviews)
- Poor Customer Support (10 reviews)

---
## Ratings Comparison
| Rating | PayPal Payments | Stripe Payments | 
|---|---|---|
  | **Meets Requirements** | 9.0 (2229 reviews) | 8.8 (365 reviews) | 
  | **Ease of Use** | 9.1 (2260 reviews) | 8.8 (372 reviews) | 
  | **Ease of Setup** | 8.9 (720 reviews) | 8.7 (253 reviews) | 
  | **Ease of Admin** | 8.4 (329 reviews) | 8.6 (184 reviews) | 
  | **Quality of Support** | 8.3 (2105 reviews) | 8.1 (309 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (326 reviews) | 8.5 (175 reviews) | 
  | **Product Direction (% positive)** | 8.3 (2197 reviews) | 8.6 (341 reviews) | 

---
## Pricing

### PayPal Payments

#### Entry-Level Pricing

Plan: On Website - Basic

Price: $0 per month

Key Features:
- Accept credit cards and PayPal on your site
- Swipe cards in your store and on the go
- Create and email invoices for fast payment

[Browse all 3 editions](https://www.g2.com/products/paypal/pricing)

#### Free Trial

No

### Stripe Payments

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.7/10 | 2091 |
| **Stripe Payments** | N/A | N/A |

#### Payment Options

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | Not enough data | 
| **Recurring Billing** | Feature Not Available | Not enough data | 
| **Instant Payment** | 9.0 (1615 reviews) | Not enough data | 
| **Accepted Credit Cards and Debit Cards** | 9.2 (1630 reviews) | Not enough data | 
| **ACH Payments and eCheck Processing** | 8.4 (1177 reviews) | Not enough data | 
| **Split Payments** | 8.4 (1109 reviews) | Not enough data | 
| **Real-Time Payments** | Feature Not Available | Not enough data | 
| **Multi-Currency** | 9.0 (610 reviews) | 8.6 (153 reviews) | 
| **Online payment portal** | 9.1 (628 reviews) | 8.8 (182 reviews) | 

#### Administration

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Reporting/Dashboards** | Feature Not Available | Not enough data | 
| **User, Role, and Access Management** | Feature Not Available | Not enough data | 
| **Payout Time** | 8.5 (1522 reviews) | Not enough data | 
| **Manual Payment Entry** | 8.6 (1363 reviews) | Not enough data | 
| **Dispute Resolution** | Feature Not Available | Not enough data | 
| **Omnichannel** | 8.6 (494 reviews) | 8.4 (144 reviews) | 
| **Levels 1 & 2** | 8.5 (477 reviews) | 8.1 (135 reviews) | 
| **Level 3** | 8.4 (463 reviews) | 8.1 (129 reviews) | 

#### Security

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **PCI Compliance** | 8.6 (646 reviews) | Not enough data | 
| **Fraud Protection Tools** | Feature Not Available | Not enough data | 
| **Data Tokenization** | 8.7 (1169 reviews) | Not enough data | 
| **Two-Factor Authentication** | 8.8 (1361 reviews) | Not enough data | 
| **POS Verification** | 8.7 (480 reviews) | 8.2 (136 reviews) | 

#### Development

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.4 (1289 reviews) | Not enough data | 
| **APIs** | Feature Not Available | Not enough data | 
| **Accounting Software Integration** | 8.5 (1108 reviews) | Not enough data | 
| **E-Commerce Software Integration** | 8.7 (1207 reviews) | Not enough data | 

#### Platform

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Performance and Reliability** | 8.9 (1472 reviews) | Not enough data | 
| **Internationalization - Currency/Language** | 8.9 (1350 reviews) | Not enough data | 
| **Internationalization - Operating Country** | 8.9 (1329 reviews) | Not enough data | 
| **API / Integrations** | 8.7 (1082 reviews) | Not enough data | 
| **PCI Regulation Compliance** | 8.6 (1072 reviews) | Not enough data | 
| **Supplemental Technology** | Feature Not Available | Not enough data | 
| **Accounting integration** | 8.6 (475 reviews) | 8.6 (153 reviews) | 
| **E-commerce Integration** | 8.9 (506 reviews) | 8.9 (165 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Autonomous Task Execution** | 9.1 (69 reviews) | Not enough data | 
| **Cross-system Integration** | 8.8 (68 reviews) | Not enough data | 
| **Decision Making** | 8.8 (68 reviews) | Not enough data | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.1/10 | 222 |
| **Stripe Payments** | N/A | N/A |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Email Notifications** | 9.1 (186 reviews) | Not enough data | 
| **Invoicing** | 9.1 (179 reviews) | Not enough data | 
| **Customer Portal** | 8.9 (184 reviews) | Not enough data | 
| **Loyalty Management** | 8.7 (171 reviews) | Not enough data | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Payment Gateway** | 9.0 (188 reviews) | Not enough data | 
| **Payment Tracking** | 8.9 (186 reviews) | Not enough data | 
| **E-commerce Integration** | 9.0 (172 reviews) | Not enough data | 
| **Payment Scheduling** | 8.9 (176 reviews) | Not enough data | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Adaptive Learning** | 9.4 (36 reviews) | Not enough data | 
| **Proactive Assistance** | 9.3 (36 reviews) | Not enough data | 
| **Decision Making** | 9.4 (36 reviews) | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.8/10 | 801 |
| **Stripe Payments** | 8.5/10 | 255 |

#### Payment Processing

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Encryption** | 9.3 (272 reviews) | 8.9 (196 reviews) | 
| **Credit Card Processing** | 9.1 (236 reviews) | 9.1 (223 reviews) | 
| **Mobile Payments** | 9.3 (248 reviews) | 8.9 (192 reviews) | 
| **Digital Wallet Integration** | 9.2 (255 reviews) | 8.5 (154 reviews) | 

#### Administration

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Reporting & Analytics** | 9.0 (227 reviews) | 8.4 (198 reviews) | 
| **E-commerce Integration** | 9.1 (239 reviews) | 8.9 (195 reviews) | 
| **Processing Fees** | 7.4 (288 reviews) | 7.0 (214 reviews) | 
| **POS Integration** | 8.9 (209 reviews) | 8.1 (141 reviews) | 
| **Omnichannel** | 8.6 (494 reviews) | 8.4 (144 reviews) | 
| **Levels 1 & 2** | 8.5 (477 reviews) | 8.1 (135 reviews) | 
| **Level 3** | 8.4 (463 reviews) | 8.1 (129 reviews) | 

#### Payment Options

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Multi-Currency** | 9.0 (610 reviews) | 8.6 (153 reviews) | 
| **Online payment portal** | 9.1 (628 reviews) | 8.8 (182 reviews) | 

#### Security

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **POS Verification** | 8.7 (480 reviews) | 8.2 (136 reviews) | 

#### Platform

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Accounting integration** | 8.6 (475 reviews) | 8.6 (153 reviews) | 
| **E-commerce Integration** | 8.9 (506 reviews) | 8.9 (165 reviews) | 

### Payments Orchestration

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.3/10 | 66 |
| **Stripe Payments** | N/A | N/A |

#### Architecture

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Unified API** | 9.1 (47 reviews) | Not enough data | 
| **POL** | 9.1 (46 reviews) | Not enough data | 
| **Integrations** | 9.5 (49 reviews) | Not enough data | 

#### Processing

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Validation** | 9.4 (49 reviews) | Not enough data | 
| **Automation** | 9.4 (49 reviews) | Not enough data | 
| **Cross Border** | 9.3 (48 reviews) | Not enough data | 
| **Routing** | 9.5 (48 reviews) | Not enough data | 
| **Reconciliation** | 9.5 (48 reviews) | Not enough data | 

#### Risk & Compliance

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Failed payments** | 9.1 (46 reviews) | Not enough data | 
| **Tokenization** | 9.2 (48 reviews) | Not enough data | 
| **Compliance** | 9.4 (48 reviews) | Not enough data | 

#### Analytics

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Consolidation** | 9.3 (48 reviews) | Not enough data | 
| **Optimization** | 9.4 (48 reviews) | Not enough data | 
| **Fraud** | 9.0 (48 reviews) | Not enough data | 

#### Agentic AI - Payments Orchestration

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Autonomous Task Execution** | 9.5 (39 reviews) | Not enough data | 
| **Cross-system Integration** | 9.5 (39 reviews) | Not enough data | 

### Embedded Payments

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | N/A | N/A |
| **Stripe Payments** | 8.8/10 | 44 |

#### Payments - Embedded Payments

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Processing** | Not enough data | 9.4 (41 reviews) | 
| **Fraud Protection** | Not enough data | 8.8 (41 reviews) | 
| **Payment Methods** | Not enough data | 9.5 (41 reviews) | 

#### Personalization - Embedded Payments

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Customer Onboarding** | Not enough data | 8.9 (40 reviews) | 
| **Checkout Customization** | Not enough data | 8.7 (39 reviews) | 
| **Localization** | Not enough data | 8.5 (39 reviews) | 
| **Merchant Portal** | Not enough data | 9.0 (39 reviews) | 

#### Setup - Embedded Payments

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Payment Flows** | Not enough data | 8.8 (39 reviews) | 
| **APIs** | Not enough data | 9.3 (41 reviews) | 
| **Dispute Management** | Not enough data | 8.1 (38 reviews) | 

#### Analytics - Embedded Payments

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Transactions** | Not enough data | 9.2 (39 reviews) | 
| **Reconciliation** | Not enough data | 8.9 (38 reviews) | 
| **Revenue** | Not enough data | 9.0 (40 reviews) | 

#### Agentic AI - Embedded Payments

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Cross-system Integration** | Not enough data | 7.8 (9 reviews) | 

### SAP Store

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.8/10 | 19 |
| **Stripe Payments** | N/A | N/A |

#### Agentic AI - SAP Store

| Feature | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Autonomous Task Execution** | 9.7 (17 reviews) | Not enough data | 
| **Multi-step Planning** | 9.7 (17 reviews) | Not enough data | 
| **Cross-system Integration** | 9.8 (17 reviews) | Not enough data | 
| **Adaptive Learning** | 9.8 (17 reviews) | Not enough data | 
| **Natural Language Interaction** | 9.9 (17 reviews) | Not enough data | 
| **Proactive Assistance** | 9.8 (17 reviews) | Not enough data | 
| **Decision Making** | 9.9 (17 reviews) | Not enough data | 

---
## Categories
**Shared Categories (1):** [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to PayPal Payments (4):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [SAP Store Software](https://www.g2.com/categories/sap-store), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to Stripe Payments (1):** [Embedded Payments Software](https://www.g2.com/categories/embedded-payments)


---
## Reviewer Demographics

### By Company Size

| Segment | PayPal Payments | Stripe Payments | 
|---|---|---|
| **Small-Business** | 64.8% | 79.5% | 
| **Mid-Market** | 23.1% | 17.0% | 
| **Enterprise** | 12.1% | 3.4% | 

### By Industry

#### PayPal Payments

- **Information Technology and Services:** 7.0%
- **Computer Software:** 6.8%
- **Marketing and Advertising:** 6.7%
- **Retail:** 5.4%
- **Internet:** 3.7%
- **Accounting:** 2.9%
- **Education Management:** 2.7%
- **Apparel & Fashion:** 2.3%
- **Financial Services:** 2.3%
- **Higher Education:** 2.1%
- **Other:** 58.1%

#### Stripe Payments

- **Computer Software:** 9.4%
- **Information Technology and Services:** 8.0%
- **Marketing and Advertising:** 7.6%
- **Non-Profit Organization Management:** 6.2%
- **Health, Wellness and Fitness:** 5.5%
- **Retail:** 4.8%
- **Consumer Services:** 3.0%
- **Financial Services:** 2.8%
- **Accounting:** 2.5%
- **Consulting:** 2.5%
- **Other:** 47.7%

---
## Alternatives

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (369 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews)
- [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (281 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.3/5 stars (248 reviews)

### Alternatives to Stripe Payments

- [EBizCharge](https://www.g2.com/products/ebizcharge/reviews) — 4.8/5 stars (105 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews)
- [checkout.com](https://www.g2.com/products/checkout-com/reviews) — 4.6/5 stars (71 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [8am CPACharge](https://www.g2.com/products/8am-cpacharge/reviews) — 4.7/5 stars (102 reviews)
- [Nuvei](https://www.g2.com/products/nuvei/reviews) — 4.3/5 stars (20 reviews)
- [QuickBooks Payments](https://www.g2.com/products/quickbooks-payments/reviews) — 3.9/5 stars (45 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews)

---
## Top Discussions

### PayPal Payments

- Title: [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) — 8 comments, 5 upvotes
  > **Top comment:** "Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private."
- Title: [Allow visa gift card](https://www.g2.com/discussions/allow-visa-gift-card) — 8 comments, 3 upvotes
  > **Top comment:** "I think there is a reason why not only PayPal but other services also doesn't allow Visa gift card because I also have tried with many other services."
- Title: [PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension](https://www.g2.com/discussions/paypal-is-not-returning-usd-40-000-they-kept-for-180-days-after-account-suspension) — 7 comments, 1 upvote
  > **Top comment:** "I have one similar story - https://www.reddit.com/r/paypal/comments/jeuc6o/victory_funds_returned_after_a_long_battle_with/"
- Title: [how to add money to paypal](https://www.g2.com/discussions/how-to-add-money-to-paypal) — 5 comments, 1 upvote
  > **Top comment:** "To add using cash You can go to Walmart Walgreens 711 Dollar General & many other stores and simply tell the cashier you'd like to reload your PayPal card ..."
- Title: [Approved paypal credit](https://www.g2.com/discussions/45405-approved-paypal-credit) — 4 comments, 1 upvote
  > **Top comment:** "lal16877@gmail.com,reciev paypal"

### Stripe Payments

- Title: [What is Stripe Payments used for?](https://www.g2.com/discussions/what-is-stripe-payments-used-for) — 1 comment, 1 upvote
  > **Top comment:** "Stripe payment is a payment processor. They handle support many payment types and store the payment information in their PCI compliant application. Users can..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/paypal-vs-stripe-stripe-payments)