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 needs, and Payrexx on simple and 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 at a turnover of EUR 20,000
Monthly total costs of Payrexx, Worldline and Stripe with a revenue 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 in-person payments (POS, Tap to Pay & QR Pay)
Disadvantages
Moderate awareness
Focus on e-commerce in Switzerland and Europe
Moderate Google rating
Worldline
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
No monthly fixed costs
High recognition
Support for omnichannel payments (POS)
Disadvantages
Partially paid plugins
No e-commerce tools
Fees not transparent
Paid support hotline
Relatively low 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
Payrexx offers 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 available exclusively with Payrexx. For Swiss Comerciante, Payrexx thus offers the most comprehensive local coverage.
Payment methods comparison table: 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
Apple Pay
Yes
Yes
Yes
GooglePay
Yes
Yes
Yes
Samsung Pay
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
Zahlung per Bank
Yes
No
No
Which provider has the best shop system integrations?
Payrexx and Stripe offer the broadest plugin coverage with free plugins. With Worldline, some plugins are chargeable, and Shopify support is missing. Payrexx is the only one of the three providers with integrated e-commerce tools. Stripe scores points with extensive API options for custom integrations. Worldline additionally 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
How is the support of the three providers?
Payrexx offers personal, free support in Switzerland. Worldline relies on a paid hotline. Stripe offers only e-mail and chat support. Google ratings: 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 get started simply, affordably, 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 easiest 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 greatest flexibility for developers.
What do Stripe, Worldline and Payrexx cost in comparison?
At 20'000 EUR monthly revenue: Payrexx EUR 355, Worldline EUR 378, Stripe EUR 640. Payrexx is therefore 6% cheaper than Worldline and 44% cheaper than Stripe. At 100'000 EUR revenue: Payrexx EUR 1'579, Worldline EUR 1'890, Stripe EUR 3'200. Worldline does not have a monthly base fee, but the transaction fees are higher than at Payrexx. Stripe is the most expensive provider in both scenarios.
Cost comparison table: Stripe vs Worldline 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
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 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.
Worldline
At Worldline, transaction fees are not always fully transparent – individual conditions must be requested from Sales. A paid hotline is used for support requests. In addition to e-commerce packages, Worldline also offers a combined offer with Wix for Comerciante:innen who want to build an online shop at the same time.
Conclusion: Stripe, Worldline or Payrexx – which PSP is convincing?
Payrexx offers personal, free support in Switzerland. Worldline relies on a paid hotline. Stripe offers only e-mail and chat support. Google ratings: 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.
