Stripe Invoicing vs PayPal Invoicing

Two invoicing & payments tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Stripe InvoicingStripe	PayPal InvoicingPayPal
In one line	Invoices and payment links on Stripe's rails	Invoices clients can pay with PayPal, Venmo, or card
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
On $10,000 of card sales	$336/mo	$309/mo
Plans	No monthly fee; Starter 0.4% per paid invoice; Plus 0.5% (adds quotes); plus Stripe card processing 2.9% + 30¢	No monthly fee; PayPal or Venmo 3.49% + 49¢; cards 2.99% + 49¢; +1.5% international
Pricing model	Free tier	Free
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero, Zoho Books, Akaunting, ZipBooks
Also connects to	FreshBooks, Puzzle, Kashoo, Bench, Patriot Accounting, Kick	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US · UK · CA · AU
Phone support	Every plan	Plans not stated
Live chat	Every plan	Every plan
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	PayPal has a public status page. Status page
Capterra score	4.6 / 5 from 10 reviews (few reviews)	4.7 / 5 from 595 reviews
Fit: Retail shop	50	35
Fit: Restaurant or café	30	20
Fit: Service business	88	80
Fit: Agency or studio	92	75
Fit: Trades or contractor	70	75
Fit: Online store	85	60
Why people pick it	No subscription Subscriptions and payment links included	Clients trust and already use PayPal No monthly fee
Where it falls short	Needs a developer for anything custom Percentage fee on every invoice	Higher fees than Stripe or Square Account holds are a known risk
	Visit Stripe Invoicing ↗	Visit PayPal Invoicing ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $500 average sale. How we calculate prices