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Stripe V Paypal

by sean83
5 replies
  • ECOMMERCE
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Someone mentioned using Stripe payment over Paypal, i was looking over it, is Stripe mainly for developers? i was looking at the features and it says "Built for developers" so do you need to know programming?
#paypal #stripe
  • Profile picture of the author amcg
    Originally Posted by sean83 View Post

    Someone mentioned using Stripe payment over Paypal, i was looking over it, is Stripe mainly for developers? i was looking at the features and it says "Built for developers" so do you need to know programming?
    Stripe is better for developers however at the end of the day, you need to look at fees (like any merchant provider). Off course, the best way to find out what works for you is to test i.e run with both gateways.
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  • Profile picture of the author viveknanda
    @sean83, I believe one needs to know a bit of programming (just a little bit) to use PayPal as well - that's required to insert the button form code into the HTML page. Unless you're using a plugin, say over Wordpress which handles most of the things.

    Stripe, when launched, had 'built for developers' as their USP. They provide a lot of APIs and allow developers to twist and turn things to create better shopping experiences for their buyers. However, if your needs are tad simple, then you won't need much of the development skills with Stripe either. They have a repository of sample code available as well, so you can refer to that whenever required.
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  • Profile picture of the author matty123
    no idea how much stripe is for using it but with paypal it is dependent on the amount of sales volume per month.

    it ranges from 1.4% until to 3.4% + 20p/20 cents per transaction so this is something to consider
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  • Profile picture of the author Helvetica
    I have been lurking this forum for the past couple of days and decided to join after reading this post about stripe. I was researching payment processing companies and this one seemed like a good one, until you get into the terms...

    https://stripe.com/us/prohibited_businesses

    Prohibited Businesses

    Last Updated: October 15, 2013.
    The following categories of businesses and business practices are prohibited from using the Stripe Service (“Prohibited Businesses”). Most, although not all, of these Prohibited Business categories are imposed by Card Network rules or the requirements of our banking providers or processors. If you are uncertain as to whether your business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us.
    By registering for Stripe, you are confirming that you will not use the Service to accept payments in connection with the following businesses, business activities or business practices:
    1. Online or other non-face-to-face tobacco, e-cigarette sales, or related items (such as personal vaporizers or e-juice)
    2. Weapons and munitions
    3. Virtual currency that can be monetized, re-sold or converted to physical or digital products or services or otherwise exit the virtual world
    4. Sexually-oriented or pornographic products or services
    5. Marijuana dispensaries and related businesses
    6. Door-to-door sales
    7. Offering substantial rebates or special incentives to the cardholder subsequent to the original purchase
    8. Negative response marketing
    9. Engaging in deceptive marketing practices
    10. Sharing cardholder information with another merchant for payment of up-sell or cross-sell product or service
    11. Evading Card Network’s chargeback monitoring programs
    12. Engaging in any form of licensed or unlicensed aggregation or factoring
    13. Airlines
    14. Age verification
    15. Age restricted products or services
    16. Bail bonds
    17. Bankruptcy lawyers
    18. Bidding fee auctions
    19. Collection agencies
    20. Chain letters
    21. Check cashing, wire transfers, or money orders
    22. Counterfeit products
    23. Currency exchanges or dealers
    24. Embassies, foreign consulates, or other foreign governments
    25. Firms selling business opportunities, investment opportunities, mortgage consulting or reduction, credit counseling, repair or protection, or real estate purchases with no money down
    26. Credit card and identity theft protection
    27. Cruise lines
    28. Essay mills
    29. Flea markets
    30. Drug paraphernalia
    31. Extended warranties
    32. Psychic services
    33. “Get rich quick” schemes
    34. Gambling (including but not limited to lotteries, Internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase products or services)
    35. Sports forecasting or odds making
    36. Illegal products or services
    37. Mail-order brides
    38. Money transmitters or money service businesses
    39. Multi-level marketing or pyramid schemes
    40. Online or other non-face-to-face pharmacies or pharmacy referral services
    41. Prepaid phone cards, phone services or cell phones
    42. Pseudo pharmaceuticals
    43. Quasi-cash or stored value
    44. Securities brokers
    45. Shipping or forwarding brokers
    46. Substances designed to mimic illegal drugs
    47. Telemarketing
    48. Telecommunications equipment and telephone sales
    49. Timeshares
    50. Centralized travel reservation services or travel clubs
    51. Personal computer technical support
    52. Selling video game or virtual world credits (unless you are the operator of the video game or virtual world)
    53. Selling social media activity, such as Twitter followers, Facebook likes, or YouTube views
    54. Any product or service that infringes upon the copyright, trademark, or trade secrets of any third party
    55. Any product, service or activity that is deceptive, unfair, predatory, or prohibited by one or more Card Networks
    56. Funding any of the items included on this Prohibited Businesses list
    Does this mean if you have an online t-shirt company you cannot print t-shirts for marijuana dispensaries? Just something to think about while considering Stripe.
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  • Profile picture of the author Solid Commerce
    I don't believe that you need to know programming in order to use Stripe, no.

    If that were the case, they'd be SERIOUSLY limiting their potential customer base.

    (Also, on a completely unrelated note, Sean is an incredibly strong name, OP. I'm just saying.)
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