⚡ Quick Verdict: Stripe vs. PayPal
On US online checkout, Stripe (2.9% + $0.30) beats PayPal Checkout (3.49% + $0.49) by 0.59% + $0.19 per order. On $10,000/month (200 orders), Stripe saves you $97/month ($1,164/year).
| Scenario | Stripe (US) | PayPal (US) | Winner |
|---|---|---|---|
| Standard Checkout | 2.90% + $0.30 | 3.49% + $0.49 | ✅ Stripe |
| Unbranded Card Fields | 2.90% + $0.30 | 2.99% + $0.49 | ✅ Stripe |
| Client Invoicing | 3.30% + $0.30 (or $5 ACH) | 3.49% + $0.49 | ✅ Stripe ACH ($5 cap) |
| International Cards | 4.40% + $0.30 | 4.99% + $0.49 | ✅ Stripe |
| Dispute / Chargeback Fee | $15.00 | $20.00 | ✅ Stripe |
💡 Best Setup for Online Stores
Use Stripe / Apple Pay as your primary checkout, and keep PayPal Express as a secondary button to capture the extra 10% of mobile shoppers who prefer PayPal. Compare your payouts in our Stripe Calculator and PayPal Calculator.