Stripe vs Worldline vs Payrexx
Developer PSP, enterprise solution or SME champion – which approach fits?
Stripe, Worldline and Payrexx pursue different strategies: Stripe focuses on developers first, Worldline on enterprise customers with omnichannel requirements, and Payrexx on simple, affordable solutions for SMEs. This three-way comparison shows which approach makes the most sense for Swiss online shops.
Monthly total costs of Payrexx, Worldline and Stripe for a turnover of EUR 20,000
Monthly total costs of Payrexx, Worldline and Stripe for a turnover of EUR 100,000
What are the advantages and disadvantages of Stripe, Worldline and Payrexx?
How do the payment methods of the three providers differ?
Comparison table of advantages and disadvantages Stripe vs Worldline 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
Worldline
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
No monthly fixed costs
High awareness
Support for omnichannel payments (POS)
Disadvantages
Some chargeable plugins
No e-commerce tools
Fees not transparent
Chargeable 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
Payrexx leads with 16 payment methods, followed by Worldline (12) and Stripe (10). All three offer credit cards, TWINT and Apple Pay. PostFinance Pay is supported by Payrexx and Worldline, but is not available with Stripe. Samsung Pay, WIR Pay, Centi and Pay by Bank are exclusive to Payrexx. For Swiss comerciantes, Payrexx therefore offers the most comprehensive local coverage.
Comparison table of payment methods Stripe vs Worldline vs Payrexx
Payrexx
Worldline
Stripe
Mastercard
Yes
Yes
Yes
Visa
Yes
Yes
Yes
PostFinance Pay
Yes
Yes
No
Twint
Yes
Yes
Yes
American Express
Yes
Yes
Yes
Entdecken
Yes
Yes
Yes
PayPal
Yes
Yes
Yes
ApplePay
Yes
Yes
Yes
GooglePay
Yes
Yes
Yes
SamsungPay
Yes
No
No
WIRpay
Yes
No
No
REKA
Yes
Yes
No
CENTI
Yes
No
No
CRYPTO
Yes
Yes
Yes
Purchase on account
Yes
Yes
Yes
Zahlen mit Bank
Yes
No
No
Which provider has the best shop system integrations?
Payrexx and Stripe offer the broadest plugin coverage with free plugins. At Worldline, some plugins are subject to a fee, and Shopify support is missing. Payrexx is the only one of the three providers with integrated e-commerce tools. Stripe scores with extensive API options for custom integrations. Worldline also offers a solution together with Wix.
Comparison table of plugins and integrations: Stripe vs Worldline vs Payrexx
Payrexx
Worldline
Stripe
Yes
No
Stripe
Yes
No
Stripe
Yes
Yes
Stripe
Yes
No
Stripe
Yes
Yes
Stripe
Yes
Yes
Stripe
Yes
Yes
Stripe
What about the support of the three providers?
Payrexx offers personal, free support in Switzerland. Worldline relies on a paid hotline. Stripe offers only email and chat support. Google reviews: Payrexx 3.9 stars, Stripe 3.1 stars, Worldline 2.9 stars. For Swiss SMEs without their own IT department, Payrexx's personal support is a clear advantage.
Which provider suits which business model?
Payrexx is the best choice for Swiss SMEs and growing online shops that want to start simply, cost-effectively and with maximum coverage of Swiss payment methods. Stripe is suitable for technically savvy companies with an international focus. Worldline is relevant for larger companies with omnichannel needs and POS requirements.
Which provider is easiest to set up?
Payrexx offers the simplest setup: no setup costs, one contract, same-day verification. Worldline requires contacting sales for individual solutions. Stripe requires developer knowledge. For non-technical Comerciante, Payrexx is the most accessible entry point, while Stripe offers the most flexibility for developers.
What do Stripe, Worldline and Payrexx cost in comparison?
At 20'000 EUR monthly turnover: Payrexx 355 EUR, Worldline 378 EUR, Stripe 640 EUR. Payrexx is therefore 6% cheaper than Worldline and 44% cheaper than Stripe. At 100'000 EUR turnover: Payrexx 1'579 EUR, Worldline 1'890 EUR, Stripe 3'200 EUR. Worldline does not charge a monthly base fee, but the transaction fees are higher than with Payrexx. Stripe is the most expensive provider in both scenarios.
Cost comparison table Stripe vs Worldline 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
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 0.00
CHF 29.00
1.70%
+
CHF 0.19
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.
Worldline
At Worldline, transaction fees are not always fully transparent – individual conditions 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 a webshop at the same time.
Conclusion: Stripe, Worldline or Payrexx – which PSP is most convincing?
Payrexx offers personal, free support in Switzerland. Worldline relies on a paid hotline. Stripe offers only email and chat support. Google reviews: Payrexx 3.9 stars, Stripe 3.1 stars, Worldline 2.9 stars. For Swiss SMEs without their own IT department, Payrexx's personal support is a clear advantage.
