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.
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Comparison table of advantages and disadvantages of Stripe vs PayPal vs Payrexx
Payrexx
Vantaggi
Numerosi metodi di pagamento (inclusi TWINT e PostFinance Pay)
Plugin gratuiti
Strumenti e-commerce integrati
Commissioni di transazione vantaggiose
Versione di prova gratuita disponibile
Aziende svizzere
Assistenza personale
Supporto per i pagamenti in loco (POS, Tap to Pay & QR Pay)
Svantaggi
Notorietà media
Focus sull'e-commerce in Svizzera e in Europa
Valutazione Google media
Stripe
Vantaggi
Numerosi metodi di pagamento (incluso TWINT)
Plugin gratuiti
Nessun costo fisso mensile
Ideale per pagamenti internazionali
Molte possibilità di personalizzazione
Supporto per pagamenti omnicanale (POS)
Svantaggi
Nessun supporto per
PostFinance PayConfigurazione complessa
Nessun strumento e-commerce
Commissioni di transazione elevate
Solo supporto via e-mail e chat
Valutazione media su Google
PayPal
Vantaggi
un costo fisso mensile
Plugin gratuiti
Elevata notorietà e accettazione
Ideale per pagamenti internazionali
Svantaggi
Nessun supporto per TWINT e PostFinance Pay
Nessun tool per e-commerce
Commissioni di transazione elevate
Sede principale negli USA
Solo supporto via e-mail o chat
Valutazione Google bassa
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
Sì
Sì
Sì
Visa
Sì
Sì
Sì
Postfinance Pay
Sì
No
No
Twint
Sì
Sì
No
American Express
Sì
Sì
Sì
Scopri
Sì
Sì
Sì
PayPal
Sì
Sì
Sì
ApplePay
Sì
Sì
Sì
GooglePay
Sì
Sì
Sì
SamsungPay
Sì
No
Sì
WIRpay
Sì
No
No
REKA
Sì
No
No
CENTI
Sì
No
No
Cripto
Sì
Sì
No
Acquisto su fattura
Sì
Sì
Sì
Bezahle mit Bank
Sì
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
Zapier
Sì
Sì
PayPal
Fai
Sì
Sì
PayPal
JTL
Sì
Sì
PayPal
Ecwid
Sì
Sì
PayPal
Drupal
Sì
Sì
PayPal
Magento
Sì
Sì
PayPal
Prestashop
Sì
Sì
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
Fornitore
Abbonamento
Costi di configurazione
Costi mensili
Commissioni di transazione
Payrexx
Gratis
0,00 CHF
0,00 CHF
2,50%
+
0,30 CHF
Payrexx
Standard
0,00 CHF
19,00 CHF
1,65%
+
0,18 CHF
Payrexx
Premium
0,00 CHF
49,00 CHF
1,35%
+
0,18 CHF
Stripe
Stripe
0,00 CHF
0,00 CHF
2,90%
+
0,30 CHF
Osservazioni aggiuntive
Payrexx
Payrexx è particolarmente facile da configurare come Payment Facilitator – non sono necessarie conoscenze di programmazione. Per la verifica sono richiesti un documento d’identità valido con foto e, se del caso, un numero di registro delle imprese. Se ti registri entro le 16:00, la verifica avviene lo stesso giorno. Le start-up ricevono uno sconto del 30%, le organizzazioni non profit beneficiano di una riduzione del 50% sulle commissioni di transazione.
Stripe
Per l’implementazione di Stripe, gli esercenti dovrebbero disporre di competenze di sviluppo. Per la verifica sono necessari un documento d’identità valido con foto e un numero di registro delle imprese. Per le grandi aziende, Stripe offre condizioni speciali che possono essere richieste al reparto vendite.
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.
