Payrexx vs. Stripe
Which payment provider is a better fit for your Swiss online shop?
Stripe is an internationally known payment solution with a strong focus on developers. Payrexx, on the other hand, was specifically developed for the Swiss market and, as a payment facilitator, offers an all-in-one solution for SMEs. In this comparison, we show you the most important differences in terms of costs, payment methods, integrations, and support.
Total monthly costs of Payrexx and Stripe with a turnover of CHF 20,000
Total monthly costs of Payrexx and Stripe at a turnover of CHF 100,000
What are the advantages and disadvantages of Payrexx and Stripe?
Payrexx convinces with eight advantages: lowest transaction fees, broadest payment method coverage including PostFinance Pay, Samsung Pay, WIR Pay and Pay by Bank, integrated e-commerce tools, free plugins, personal support in Switzerland as well as discounts for start-ups and NPOs. Weaknesses are the medium brand awareness and the focus on the Swiss market.
Stripe scores with high API flexibility, no fixed monthly costs and omnichannel support, but has significantly higher transaction fees, no e-commerce tools, no personal support and supports neither PostFinance Pay nor Samsung Pay.
Comparison table pros and cons Payrexx vs Stripe
Payrexx
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
Free plugins
Integrated e-commerce tools
Low transaction fees
Free trial available
Swiss businesses
Personal support
Support for in-person payments (POS, Tap to Pay & QR Pay)
Disadvantages
Moderate awareness
Focus on e-commerce in Switzerland and Europe
Moderate Google rating
Stripe
Advantages
Numerous payment methods (including TWINT)
Free plugins
No monthly fixed costs
Ideal for international payments
Many customisation options
Support for omnichannel payments (POS)
Disadvantages
No support for
PostFinance PayComplex setup
No e-commerce tools
High transaction fees
Only email and chat support
Average Google rating
Which payment methods does Payrexx offer in comparison to Stripe?
Both providers support credit cards, TWINT, Apple Pay and Google Pay. The decisive difference lies in the Swiss payment methods: Payrexx additionally offers PostFinance Pay, Samsung Pay, WIR Pay, Reka and Centi – all of which are missing from Stripe.
Furthermore, Payrexx is the only payment provider in Switzerland that enables Pay by Bank (Instant Payment). For online shops whose customers primarily shop in Switzerland, Payrexx therefore offers significantly broader coverage.
Comparison table payment methods Payrexx vs Stripe
Payrexx
Stripe
Mastercard
Yes
Yes
Visa
Yes
Yes
Postfinance Pay
Yes
No
Twint
Yes
Yes
American Express
Yes
Yes
Entdecken
Yes
Yes
PayPal
Yes
Yes
ApplePay
Yes
Yes
GooglePay
Yes
Yes
SamsungPay
Yes
No
WIRpay
Yes
No
REKA
Yes
No
CENTI
Yes
No
Crypto
Yes
Yes
Purchase on account
Yes
Yes
Bezahl mit Bank
Yes
No
How do the shop system integrations of Payrexx and Stripe differ?
Both Payrexx and Stripe offer free plugins for all popular shop systems such as Shopify, WooCommerce, Shopware, Magento, and Prestashop. In addition, Payrexx supports MyCommerce, a system widely used in Switzerland. A key difference: Payrexx offers integrated e-commerce tools such as payment links, QR Pay, and a mini webshop – features that are completely missing from Stripe. This allows you to accept payments immediately without having your own online shop.
Comparison table of plugins and integrations Payrexx vs Stripe
Payrexx
Stripe
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
How does the customer support of Payrexx and Stripe differ?
Payrexx offers personal support with direct contact persons in Switzerland. Stripe, on the other hand, offers exclusively email and chat support, without personal assistance. For SMEs that need quick help with technical questions or integration problems, the direct line to a Swiss support team is a clear advantage.
Who is Payrexx suitable for and who is Stripe suitable for?
Payrexx is particularly suitable for Swiss SMEs looking for an affordable, easy-to-set-up payment solution with broad coverage of Swiss payment methods. In addition, start-ups benefit from a 30% discount and non-profit organisations from a 50% discount. Stripe is the better choice if your company has its own development team, is highly internationally oriented and requires highly customised API integrations.
How easy is it to set up Payrexx compared to Stripe?
Payrexx is designed for easy setup without any programming skills. If you sign up by 4 p.m., you will be verified on the same day and can get started straight away. Stripe is primarily aimed at developers and requires technical know-how for integration. Furthermore, Stripe requires additional configuration steps for certain payment methods. For merchants without their own developer team, Payrexx is therefore the faster and less complicated choice.
How much does Payrexx cost compared to Stripe?
With a monthly turnover of CHF 20'000, the total costs with Payrexx amount to CHF 355 (Standard subscription: CHF 19 + 1.65% + CHF 0.18 per transaction). With Stripe, the cost is CHF 640 (CHF 0 fixed costs + 2.9% + CHF 0.30 per transaction). This represents a saving of CHF 285 per month or 44% with Payrexx. For a turnover of CHF 100'000, the difference increases to CHF 1'621 monthly. Although Stripe waives a monthly basic fee, it compensates for this with significantly higher transaction fees.
Comparison table of costs Payrexx vs Stripe
Provider
Subscription
Setup costs
Monthly costs
Transaction fees
Payrexx
Gratis
CHF 0.00
CHF 0.00
2.50%
+
CHF 0.30
Payrexx
Standard
CHF 0.00
CHF 19.00
1.65%
+
CHF 0.18
Payrexx
Premium
CHF 49.00
1.35%
+
CHF 0.18
Stripe
Stripe
CHF 0.00
CHF 0.00
2.90%
+
CHF 0.30
Additional remarks
Payrexx
Payrexx is especially easy to set up as a Payment Facilitator – no programming knowledge is required. For verification, a valid photo ID and, where applicable, a trade register number are required. If you register by 4 pm, the review takes place on the same day. Start-ups receive a 30% discount, and non-profit organisations benefit from a 50% reduction on transaction fees.
Stripe
To implement Stripe, you need developer knowledge. For verification, a valid photo ID and a company registration number are required. For large companies, Stripe offers special terms, which you can request from sales.
Conclusion: Payrexx or Stripe – which provider is better for you?
Payrexx offers personal support with direct contact persons in Switzerland. Stripe, on the other hand, offers exclusively email and chat support, without personal assistance. For SMEs that need quick help with technical questions or integration problems, the direct line to a Swiss support team is a clear advantage.
