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Comparison of Stripe Fees vs Paypal Fees vs Adyen Fees

Category: B2B News

One of the best ways to choose the right platform for your business is to go for the top solutions. The strategy cuts through the clutter and ensures that you’re getting the best features out there. Even then, choosing between the top solutions is confusing given that their features aren’t exactly the same in depth, combination and terms. The same scenario plays out when figuring out the right payment gateway solution for you.

The payment gateway landscape is evolving even as you read this. For one, mobile wallets and stricter card security are reshaping on how we move money. In particular, mobile in-store payment volume is experiencing an 80% CAGR going to 2020, according to a Business Insider report.

Source: Business Insider

In this guide, we compared the top three platforms in the market this year: Stripe fees vs Paypal fees vs Adyen fees. We focused on their charges, which are usually the deal breaker in this category.

Likewise, among the trends that impact on payment gateway providers, what you need to know is that in October 2015 fraud liability shifted to merchants (you) from card issuers. So we’re including the payment gateway solutions’ terms for dispute and refunds, and charges, if any, in this guide.

But first, let’s give you an overview of Stripe, PayPal and Adyen.

1. Stripe

Stripe is among the widely preferred payment gateway providers for internet businesses of various size and type for its developer-friendly infrastructure. It suits companies with a development team to fully utilize the solution’s configurable architecture.

Stripe has a well-designed API and rich documentation that suits customizing processes for subscription service, ecommerce retail, on-demand marketplace and crowdfunding platform. Likewise, the payment gateway solution supports full integration with webhooks and has flexible ecommerce tools and composable abstractions. In general, Stripe lets you build scalable functions in your payment processing to match the business’ growth pace.

The provider charges only when you use the system; there are no setup fees or hidden fees.

Payment features

  • Accept all major credit cards
  • International cards and currencies
  • ACH Debits
  • Alipay
  • Bitcoin
  • WeChat Pay

2. PayPal

PayPal is arguably the most popular online payment method for many consumers in and out of the U.S. That fact definitely weighs in on you decisions if you want to reach out to as many customers as possible worldwide. It is available in more than 200 countries and accepts 25 currencies.

Not surprisingly, it is also a widely used payment processor. The PayPal Personal account allows you to send money and pay online, while the Business account lets you accept payments within and outside of PayPal infrastructure.

It is easy to set up on your ecommerce site or website in minutes and even allows direct payments if you lack for a site. Just add copy/paste the PayPal widget button on your site and you can right away accept payments from all major credit and debit cards. You can also add an express checkout button for repeat buyers for faster and more convenient transactions.

There is no setup charges or termination fee. However, charges apply for add-on features like Seller Protection, Mass Pay Services and Advanced Fraud Protection Services.

Payment features

  • PayPal to PayPal transactions
  • PayPal credits
  • Accepts all major credit and debit cards (Visa, Mastercard, Amex)
  • International cards and currencies
  • Virtual Terminal allows payment over the phone
  • Chargeback fees apply
  • Refund fees apply
  • Mobile and in-store payments
  • Nonprofit discount
  • Micropayment charges
  • Subscription monthly fee
  • Advanced Fraud Protection Services fee
  • Card verification only fee
  • Mass Pay Services fee

3. Adyen

Touted the darling of Silicon Valley, Adyen provides a single platform that connects companies to 250 payment methods. It is also the only solution that directly links you to Visa, Mastercard and other key pay processors worldwide. Likewise, it is a scalable enterprise solution that powers the payment processing of big tech, such as, Facebook, Uber, Netflix and Airbnb. That tells you Adyen is suited for building an end-to-end payment infrastructure, which allows for  expanding fast and tracking results at manageable risk levels.

The platform features omni-channel payments, such as, web, mobile and in-store.There’s also a local touch underlying its global reach, allowing you to tap into local payment methods. Adyen can also link to multiple bank accounts in different currencies to avoid currency conversion fees.

Aside from payment features, the solution features business intelligence tools that help you to analyze your transactional data for insights. Likewise, it provides built-in risk tools to prevent fraud while keeping customer experience smooth.

There is no monthly fee, setup fee, integration fee or termination fee. In general, charges are on a processing fee + commission per transaction basis.

Payment features

  • Accepts all major cards (Visa, Mastercard, Amex, Discover, Diners Club)
  • Accepts PayPal payments
  • AliPay
  • WeChat Pay
  • Apple Pay
  • Over 250 payment methods

Stripe Fees vs Paypal Fees vs Adyen Fees

When comparing Stripe fees vs Paypal fees vs Adyen fees, it is important to note that the following rates apply to U.S. transactions unless otherwise indicated. Likewise, although the three payment gateways have cross-over fee structure features, there are differences which prevented us from comparing the details apples to apples. Instead, we lumped the unique fees under “Other charges” just so you’re aware of the fine print.

Credit and debit cards

Most payment gateways charge a flat rate plus a percentage of the transaction for each successful transaction for major credit cards. Failed transactions are not charged unless otherwise indicated.


  • 2.9% + 0.30 USD per successful transaction
  • Rate same for all cards


  • 2.9% + 0.30 USD
  • 4.4% + fixed fee based on currency if outside the U.S. (example currency charges: 0.20 GBP, 0.30 AUD, 0.35 EURO)
  • Applies to online transaction with payments from a PayPal account


  • Fee is based on Interchange++ model for Visa, Mastercard and other cards
  • Interchange++ components include: interchange fee by issuing bank; scheme fee by cards scheme; and acquirer markup, if any

International cards


  • Plus 1% on top of standard card charges
  • Includes currency conversion fee if charge currency is different from payout currency


  • Plus 1.5% on top of standard card charges
  • 2.5% for currency conversion

American Express


  • 3.5% per transaction using PayPal Payments Advanced, PayPal Payments Pro and Virtual Terminal


  • 3.95% full service; limited POS (international)



  • 0.8% at $5 cap
  • $5 for ACH Direct Debit payments above $625
  • Additional $4 for disputed or failed ACH Direct Debit transactions


  • 0.25 USD for direct debit

Declined payments

Payments can be declined by the issuing bank or card for a number of reasons, such as: expired card insufficient funds and incorrect card details.


  • No indicated fee
  • Stripe shares reason for decline as per availability of information from issuing bank or card


  • No indicated fee


  • No indicated fee


This is a dispute when a cardholder refuses to honor the payment made on his or her account (example, the card is stolen or hacked). The issuing bank or card may send a formal request for you to return the payment. If the dispute is held on your favor, the payment is maintained and no fees are charged. Note that banks and card networks consider it suspicious for dispute rates above 1% and may, along with other payment processors, investigate your transactions.


  • Payment amount plus $15 fee charged by issuing card
  • Provides guided process in the Dashboard for proofs like text and images in your favor


  • Charges 20 USD for U.S. disputes
  • Fees based on currency apply for international disputes (example 14 GBP, 16 EURO, 22 AUD )


All three payment gateway solutions support refunds but with varying terms and conditions.


  • Supports both whole or partial refund
  • Currency conversion applies
  • Refund is between 5-10 business days


  • 0.30 USD for U.S. payments


  • Details not specified, may involve interchange processing fee

Other charges

The three payment gateway solutions may  cross over in market share, but they also keep to their respective unique propositions; hence, in comparing Stripe fees vs Paypal fees vs Adyen fees we also factored in their unique costs or at least charges that are overtly specified by the provider.


  • AliPay: 2.9% + 0.30 USD
  • WeChat Pay: 2.9% + 0.30 USD
  • Bitcoin – 0.8% at $5 cap; $5 for Bitcoin payments above $625
  • Volume pricing available by quote
  • Other payment methods including microtransactions available by quote


  • Android Pay, ApplePay and Samsung Pay: Interchange++ pricing model


Mobile and in-store payments

  • 2.7% of transaction (U.S.)
  • 4.2% of transaction (international)


  • Applies to verified 501(c)(3) organizations and funds come from PayPal account
  • 2.2% of transaction plus flat rate based on currency (U.S.)
  • 3.7% of transaction plus flat rate based on currency (international)


  • Applies to < $10 transactions
  • 5% of transaction plus flat rate based on currency (U.S.)
  • 6.5% of transaction plus flat rate based on currency (international)

PayPal Payments Pro

  • No startup costs, no termination fee
  • $30 monthly fee
  • Fully customized checkout process
  • Virtual Terminal that accepts payments by phone
  • Virtual Terminal fees include 3.1% + 0.30 USD per domestic transaction and additional 1.5% for cross-border transactions

Other fees:

  • Recurring billing: $10 monthly fee
  • Advanced Fraud Protection Services: $10 monthly fee + 0.05 USD per transaction
  • Card verification: Applies to verification only without purchase processing: 0.30 USD per submission
  • Mass Pay Services: 2% of each recipient’s payment with cap based on currency (U.S.)

By Jenny Chang

Senior writer at FinancesOnline who writes about a wide range of SaaS and B2B products, including trends and issues on e-commerce, accounting and customer service software. She’s also covered a wide range of topics in business, science, and technology for websites in the U.S., Australia and Singapore, keeping tabs on edge tech like 3D printed health monitoring tattoos and SpaceX’s exploration plans.

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k.tyler says:

Sounds like we won't be saving anything just more accounts to look after(means more work ,more hours less hourly rate).
Ebay said earlier we would save money over paypa(another mistruthsby ebay).
We should be able to not use any of the platforms we could sell our items cheaper ,this would increase sales for all.
2.9 % + 0.30 cents is scandalous our banks eftpos charge 0.9-1-2 %.
Why should we pay double so someone who can profit from our sales sounds like extortion on a grand global scale.
Obviously ebay is getting a percentage or annual fee from Ayden to use their platform.
What we need is another player in the market thats got the sellers backs instead of the buyers & provides options not forcing sellers to use their platform.
We don't ship international due to the many scams that are out there so why do we need an international payment identity.
Sounds like another ebay money grabbing scheme , we are all pretty fed up with the whole ebay sonario.
Thank you.

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