Payrexx vs Stripe vs PayPal
The three best-known payment providers in a three-way comparison for Swiss SMEs
Stripe and PayPal are globally well-known payment solutions that are also widely used in Switzerland. Payrexx was developed specifically for the Swiss market and positions itself as an affordable all-in-one alternative. This three-way comparison shows the key differences in costs, features and suitability for Swiss online shops.
Monthly total costs of Payrexx, Paypal and Stripe for a turnover of EUR 20,000
Monthly total costs of Payrexx, Paypal and Stripe for a turnover of EUR 100,000
What are the advantages and disadvantages of Stripe, PayPal and Payrexx?
Payrexx offers the strongest overall package: lowest costs (up to 55% less than PayPal), 16 payment methods including all Swiss options, integrated e-commerce tools and personal support. Weaknesses are its moderate brand awareness and regional focus.
Stripe scores with API flexibility, omnichannel support and many customisation options, but has high fees, no personal support and no PostFinance Pay.
PayPal offers global recognition and no fixed costs, but is nevertheless the most expensive provider, supports neither TWINT nor PostFinance Pay and has the lowest Google rating of all the providers compared.
Comparison table advantages and disadvantages Stripe vs PayPal vs Payrexx
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
PayPal
Advantages
monthly fixed costs
Free plugins
High recognition and acceptance
Ideal for international payments
Disadvantages
No support for TWINT and PostFinance Pay
No e-commerce tools
High transaction fees
Headquarters in the USA
Email or chat support only
Low Google rating
Which payment methods do Stripe, PayPal and Payrexx offer?
Payrexx offers the broadest coverage with 16 supported payment methods, followed by Stripe (10) and PayPal (10). The crucial difference for Swiss Comerciante: Only Payrexx supports PostFinance Pay, Samsung Pay, WIR Pay, Reka, Centi and Pay by Bank. Stripe offers TWINT, but no PostFinance Pay. PayPal supports neither TWINT nor PostFinance Pay. For online shops with Swiss customers, Payrexx is therefore clearly best positioned.
Comparison table of payment methods Stripe vs PayPal vs Payrexx
Payrexx
Stripe
PayPal
Mastercard
Yes
Yes
Yes
Visa
Yes
Yes
Yes
PostFinance Pay
Yes
No
No
Twint
Yes
Yes
No
American Express
Yes
Yes
Yes
Entdecken
Yes
Yes
Yes
PayPal
Yes
Yes
Yes
ApplePay
Yes
Yes
Yes
GooglePay
Yes
Yes
Yes
SamsungPay
Yes
No
Yes
WIRpay
Yes
No
No
REKA
Yes
No
No
CENTI
Yes
No
No
CRYPTO
Yes
Yes
No
Purchase on account
Yes
Yes
Yes
Zahlen mit Bank
Yes
No
No
Which provider has the best shop system integrations?
All three providers offer free plugins for the most common shop systems. Payrexx covers the widest range with MyCommerce, JTL, Ecwid, Drupal, Magento and Prestashop. Stripe also supports many systems, while PayPal lacks integration for Drupal and Prestashop. The biggest difference: only Payrexx offers integrated e-commerce tools (payment links, QR Pay, mini webshop). Neither Stripe nor PayPal offer comparable functions.
Comparison table of plugins and integrations: Stripe vs PayPal vs Payrexx
Payrexx
Stripe
PayPal
Yes
Yes
PayPal
Yes
Yes
PayPal
Yes
Yes
PayPal
Yes
Yes
PayPal
Yes
Yes
PayPal
Yes
Yes
PayPal
Yes
Yes
PayPal
Which provider offers the best support?
Payrexx offers, as the only one of the three providers, personal support with direct contacts in Switzerland. Stripe and PayPal offer only email and chat support. The Google reviews confirm this difference: Payrexx 3.9 stars (155 reviews), Stripe 3.1 stars (8 reviews), PayPal 1.6 stars (56 reviews). For SMEs without their own IT department, personal support is particularly valuable.
Which provider suits which business model?
Payrexx is the best choice for Swiss SMEs: lowest costs, widest range of Swiss payment methods, e-commerce tools and personal support. Stripe is suitable for technically skilled companies with an international focus that require highly individual integrations. PayPal makes sense when a large proportion of customers expect PayPal as a payment method – although PayPal can also be integrated via Payrexx as a payment method.
How easy is the setup with the three providers?
Payrexx and PayPal both offer simple setup without programming knowledge. Stripe is primarily aimed at developers and requires technical know-how. With Payrexx, verification takes place on the same day; all payment methods run via a single contract. With Stripe and PayPal, the setup of certain payment methods must be configured individually.
How much do Stripe, PayPal and Payrexx cost in comparison?
At a monthly turnover of 20,000 EUR, Payrexx is the cheapest provider at 355 EUR, followed by Stripe (640 EUR) and PayPal (790 EUR). Payrexx is therefore 44% cheaper than Stripe and 55% cheaper than PayPal. At a turnover of 100,000 EUR, the difference becomes even greater: Payrexx 1,579 EUR, Stripe 3,200 EUR, PayPal 3,950 EUR. Stripe and PayPal waive monthly fixed costs, but offset this with significantly higher transaction fees.
Comparison table of costs: Stripe vs PayPal vs Payrexx
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: Stripe, PayPal or Payrexx – who wins the comparison?
Payrexx offers, as the only one of the three providers, personal support with direct contacts in Switzerland. Stripe and PayPal offer only email and chat support. The Google reviews confirm this difference: Payrexx 3.9 stars (155 reviews), Stripe 3.1 stars (8 reviews), PayPal 1.6 stars (56 reviews). For SMEs without their own IT department, personal support is particularly valuable.
