Decision Cluster
Stripe
vs.PayPal.
The Verdict
Stripe.
Stripe is the operating system for internet commerce. PayPal is a legacy wallet. If you are building a B2B SaaS, the choice is Stripe. Only add PayPal if customers explicitly demand it (usually B2C).
The Feature Match
Stripe
Developer Experience: The best documentation in the world. Easy integration.
Subscriptions: Built-in handling for upgrades, downgrades, and proration.
Atlas: They can even incorporate your company for you.
PayPal
Consumer Trust: Users (especially non-tech) feel safer using PayPal.
Account Freezes: PayPal notoriously freezes funds for 180 days with zero recourse.
UX: Redirects users away from your site to pay. Conversion killer.
Our Recommendation
Start with Stripe.
It offers a complete financial infrastructure. You can issue cards, manage fraud, and handle taxes automatically. PayPal is a backup option, not a foundation.
Price It Right.
The payment processor doesn't matter if your pricing model is broken. Use our logic tree to fix it.