Payrexx vs Stripe vs PayPal
The three best-known payment providers in a three-way comparison for Swiss SMEs
Stripe and PayPal are globally 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, functions, and suitability for Swiss online shops.
Monthly total costs of Payrexx, Paypal and Stripe at a revenue 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 moderate awareness and the regional focus.
Stripe scores with API flexibility, omnichannel support and many customization options, but has high fees, no personal support and no PostFinance Pay.
PayPal offers global awareness and no fixed costs, but is the most expensive provider, supports neither TWINT nor PostFinance Pay and has the lowest Google rating of all compared providers.
Comparison table of advantages and disadvantages of 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 in-person payments (POS, Tap to Pay & QR Pay)
Disadvantages
Moderate awareness
Focus on e-commerce in Switzerland and Europe
Moderate Google rating
Stripe
Advantages
Numerous payment methods (including TWINT)
Free plugins
No monthly fixed costs
Ideal for international payments
Many customization 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 decisive 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
Apple Pay
Yes
Yes
Yes
GooglePay
Yes
Yes
Yes
Samsung Pay
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
Zahlung per 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 broadest range with MyCommerce, JTL, Ecwid, Drupal, Magento and Prestashop. Stripe also supports many systems; 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 is the only one of the three providers to offer personal support with direct contacts in Switzerland. Stripe and PayPal only offer 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 savvy companies with an international focus that require highly customised integrations. PayPal makes sense when a large share 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, and all payment methods run through 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?
With 20'000 EUR in monthly revenue, 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. With 100'000 EUR revenue, the difference becomes even greater: Payrexx 1'579 EUR, Stripe 3'200 EUR, PayPal 3'950 EUR. Stripe and PayPal do not have monthly fixed costs, but compensate for this with significantly higher transaction fees.
Comparison table of costs: Stripe vs PayPal vs Payrexx
Provider
Subscription
Setup costs
Monthly costs
Transaction fees
Payrexx
Kostenlos
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 especially easy to set up as a payment facilitator – no programming knowledge is required. For verification, a valid photo ID and, if applicable, a commercial register number are required. If registration is completed by 4 p.m., the review takes place on the same day. Start-ups receive a 30% discount, non-profit organizations benefit from a 50% reduction on the transaction fees.
Stripe
For the implementation of Stripe, merchants should have developer knowledge. For verification, a valid photo ID and a commercial register number are required. For large companies, Stripe offers special conditions, which can be requested from sales.
Conclusion: Stripe, PayPal or Payrexx – who wins the comparison?
Payrexx is the only one of the three providers to offer personal support with direct contacts in Switzerland. Stripe and PayPal only offer 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.
