Worldline vs Stripe
Global enterprise payment service provider vs. international developer PSP
Worldline and Stripe are both internationally oriented payment service providers with different focuses. Worldline focuses on enterprise customers with omnichannel needs and dynamic currency conversion. Stripe targets developers with high API flexibility. Both serve the Swiss market – but there are clear differences in costs, payment methods, and support.
Total monthly costs of Worldline and Stripe with a turnover of EUR 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 cheaper 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 customisation options. Disadvantages are the significantly higher transaction fees, no PostFinance Pay, no personal support and a complex setup.
Comparison table of advantages and disadvantages of Worldline vs Stripe
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
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. Neither of them offers Samsung Pay, WIR Pay, Centi or Pay by Bank. With 12 compared to 10 payment methods, Worldline has a slightly broader coverage for the Swiss market.
Comparison table of 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
Zahlen 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 like 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. Both do not offer 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 status of support at Worldline and Stripe?
Worldline offers a paid support hotline. Stripe offers email and chat support only. 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.
Who is Worldline suitable for and who is Stripe suitable for?
Worldline is suitable for businesses with omnichannel needs that require PostFinance Pay and cheaper 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 extensive API documentation. Worldline offers an e-commerce package with no setup costs, but requires contacting sales for custom solutions. Both providers target professional Comerciantes. 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 20,000 EUR, Worldline costs 378 EUR, Stripe 640 EUR. Worldline is therefore 262 EUR cheaper per month or 41% more cost-effective. At 100,000 EUR turnover, the difference grows: Worldline 1,890 EUR, Stripe 3,200 EUR – a difference of 1,310 EUR monthly. Stripe dispenses with monthly fixed costs, but compensates for this with significantly higher transaction fees (2.9% + 0.30 EUR vs. 1.7% + 0.19 EUR).
Comparison table costs Worldline vs Stripe
Provider
Subscription
Set-up 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 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.
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: Worldline or Stripe – which provider is a better fit?
Worldline offers a paid support hotline. Stripe offers email and chat support only. 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.
