Worldline vs Stripe
Global Enterprise Payment Service Provider vs. International Developer PSP
Worldline and Stripe are both internationally oriented payment service providers with different focus areas. Worldline focuses on enterprise clients with omnichannel needs and dynamic currency conversion. Stripe targets developers with high API flexibility. Both serve the Swiss market – yet there are clear differences in costs, payment methods, and support.
Total monthly costs of Worldline and Stripe with a turnover of CHF 20,000
Total monthly costs of Worldline and Stripe with a turnover of CHF 100,000
What are the advantages and disadvantages of Worldline and Stripe?
Worldline convinces with PostFinance Pay, omnichannel support, no monthly fixed costs and lower overall costs than Stripe. Disadvantages are the lack of transparency in the fee structure, paid plug-ins, a paid support hotline and no e-commerce tools.
Stripe points with high API flexibility, no fixed costs, free plug-in availability and extensive customization options. Disadvantages are the significantly higher transaction fees, no PostFinance Pay, no personal support and a complex setup.
Comparison table advantages and disadvantages Worldline vs Stripe
Worldline
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
No monthly fixed costs
High recognition
Support for omnichannel payments (POS)
Disadvantages
Partially paid plugins
No e-commerce tools
Fees not transparent
Paid support hotline
Rather low 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 do Worldline and Stripe offer?
Both providers support credit cards, TWINT, Apple Pay and Google Pay. Worldline additionally offers PostFinance Pay and Reka, which are missing from Stripe. Stripe supports neither PostFinance Pay nor Reka. Both offer no Samsung Pay, no WIR Pay, no Centi and no Pay by Bank. Worldline has a slightly broader coverage for the Swiss market with 12 compared to 10 payment methods.
Comparison table payment methods Worldline vs Stripe
Worldline
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
No
No
WIRpay
No
No
REKA
Yes
No
CENTI
No
No
Crypto
Yes
Yes
Purchase on account
Yes
Yes
Bezahl mit Bank
No
No
How do the integrations of Worldline and Stripe differ?
Stripe offers free plugins for Shopify, WooCommerce, Shopware, JTL, Ecwid, Drupal, Magento and Prestashop as well as automation tools such as Make and Zapier. With Worldline, some plugins are subject to a fee and Shopify support is missing. Stripe has a clear lead when it comes to integrations. Worldline additionally offers a combination with Wix. Neither offers integrated e-commerce tools.
Comparison table plugins and integrations Worldline vs Stripe
Worldline
Stripe
No
Yes
No
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
What is the support like with Worldline and Stripe?
Worldline offers a paid support hotline. Stripe exclusively offers email and chat support. Google reviews: Stripe 3.1 stars (8 reviews), Worldline 2.9 stars (674 reviews). Neither offers personal, free support in Switzerland. For SMEs without an IT department, neither provider is optimally positioned.
For whom is Worldline suitable, and for whom Stripe?
Worldline is suitable for businesses with omnichannel needs that require PostFinance Pay and lower fees. Stripe is the better choice for businesses with their own development team, an international focus and the need for highly flexible API integrations. For the Swiss market, Worldline offers broader local coverage at lower costs.
How easy is the setup with Worldline and Stripe?
Stripe focuses on a developer-centric integration process with comprehensive API documentation. Worldline offers an e-commerce package with no setup costs, but requires contacting sales for individual solutions. Both providers target professional merchants. Stripe offers the faster self-service onboarding, while Worldline offers the managed enterprise approach.
How much does Worldline cost compared to Stripe?
With a monthly turnover of CHF 20,000, Worldline costs CHF 378, while Stripe costs CHF 640. This makes Worldline CHF 262 cheaper per month, or 41% more cost-effective. At CHF 100,000 turnover, the difference grows: Worldline CHF 1,890, Stripe CHF 3,200 – a difference of CHF 1,310 monthly. Stripe waives monthly fixed costs, but compensates for this with significantly higher transaction fees (2.9% + CHF 0.30 vs. 1.7% + CHF 0.19).
Comparison table of costs Worldline vs Stripe
Provider
Subscription
Setup costs
Monthly costs
Transaction fees
Worldline
Worldline E-Payments
CHF 0.00
CHF 0.00
1.70%
+
CHF 0.19
Worldline
Worldline Pay By Link
CHF 0.00
CHF 0.00
1.70%
+
CHF 0.19
Worldline
Worldline Web powered by Wix
CHF 29.00
1.70%
+
CHF 0.19
Stripe
Stripe
CHF 0.00
CHF 0.00
2.90%
+
CHF 0.30
Additional remarks
Worldline
At Worldline, transaction fees are not always fully transparent – individual terms must be requested from sales. For support enquiries, a paid hotline is used. In addition to e-commerce packages, Worldline also offers a combined package with Wix for merchants who want to build an online shop at the same time.
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: Worldline or Stripe – which provider is a better fit for you?
Worldline offers a paid support hotline. Stripe exclusively offers email and chat support. Google reviews: Stripe 3.1 stars (8 reviews), Worldline 2.9 stars (674 reviews). Neither offers personal, free support in Switzerland. For SMEs without an IT department, neither provider is optimally positioned.
