Payrexx vs Stripe
Which payment provider is a better fit for your Swiss online shop?
Stripe is an internationally recognised payment solution with a strong focus on developers. Payrexx, on the other hand, was developed specifically for the Swiss market and offers SMEs an all-in-one solution as a payment facilitator. In this comparison, we show the key differences in terms of costs, payment methods, integrations and support.
Monthly total costs of Payrexx and Stripe for a turnover of EUR 20,000
Monthly total costs of Payrexx and Stripe at a turnover of EUR 100,000
What are the advantages and disadvantages of Payrexx and Stripe?
Payrexx convinces with eight advantages: the lowest transaction fees, the widest range of payment methods 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 its moderate brand awareness and its focus on the Swiss market.
Stripe scores with high API flexibility, no monthly fixed costs and omnichannel support, but has significantly higher transaction fees, no e-commerce tools, no personal support and does not support either PostFinance Pay or Samsung Pay.
Comparison table of advantages and disadvantages: 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 companies
Personal support
Support for on-site payments (POS, Tap to Pay & QR Pay)
Disadvantages
Moderate awareness
Focus on e-commerce in Switzerland and Europe
Average 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 compared to Stripe?
Both providers support credit cards, TWINT, Apple Pay and Google Pay. The key difference lies with the Swiss payment methods: Payrexx also offers PostFinance Pay, Samsung Pay, WIR Pay, Reka and Centi – all of which are missing with Stripe.
Furthermore, Payrexx is the only payment provider in Switzerland that enables Pay by Bank (Instant Payment). For online shops whose customers mainly shop in Switzerland, Payrexx therefore offers significantly broader coverage.
Comparison table of 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
Zahlen mit Bank
Yes
No
How do the shop system integrations of Payrexx and Stripe differ?
Both Payrexx and Stripe offer free plugins for all common shop systems such as Shopify, WooCommerce, Shopware, Magento and Prestashop. Payrexx also 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 web shop – features that Stripe completely lacks. This means Comerciante can accept payments immediately without their 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 differ from Stripe's?
Payrexx offers personal support with direct contacts in Switzerland. Stripe, by contrast, offers only e-mail and chat support, without personal support. 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 that are looking for a cost-effective, easy-to-set-up payment solution with broad coverage of Swiss payment methods. In addition, start-ups benefit from 30% and non-profit organisations from 50% discount. Stripe is the better choice if a company has its own development team, is strongly internationally oriented and requires highly customised API integrations.
How easy is it to set up Payrexx compared with Stripe?
Payrexx is designed for straightforward setup without programming knowledge. Anyone who registers by 4 p.m. will be reviewed the same day and can get started immediately. Stripe is primarily aimed at developers and requires technical know-how for integration. In addition, Stripe requires additional configuration steps for certain payment methods. For Comerciante without their own development team, Payrexx is therefore the faster and more straightforward choice.
How much does Payrexx cost compared to Stripe?
For a monthly turnover of 20'000 EUR, the total costs with Payrexx amount to 355 EUR (Standard subscription: 19 EUR + 1.65% + 0.18 EUR per transaction). With Stripe, 640 EUR are incurred (0 EUR fixed costs + 2.9% + 0.30 EUR per transaction). This corresponds to a saving of 285 EUR per month or 44% with Payrexx. At 100'000 EUR turnover, the difference rises to 1'621 EUR per month. Although Stripe does not charge a monthly base fee, it offsets this through significantly higher transaction fees.
Cost comparison table: Payrexx vs Stripe
Provider
Subscription
Set-up costs
Monthly costs
Transaction fees
Payrexx
Free
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 particularly easy to set up as a Payment Facilitator – no programming knowledge is required. For verification, a valid photo ID and, where applicable, a commercial register number are required. If you register by 4 p.m., 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
For the implementation of Stripe, merchants should have development knowledge. For verification, a valid photo ID and a commercial register number are required. For large companies, Stripe offers special terms that can be requested from sales.
Conclusion: Payrexx or Stripe – which provider is better?
Payrexx offers personal support with direct contacts in Switzerland. Stripe, by contrast, offers only e-mail and chat support, without personal support. For SMEs that need quick help with technical questions or integration problems, the direct line to a Swiss support team is a clear advantage.
