{"id":36753,"date":"2026-11-07T22:48:36","date_gmt":"2026-11-08T03:48:36","guid":{"rendered":"https:\/\/promotelabs.com\/blog\/stripe-vs-paypal\/"},"modified":"2026-11-07T22:48:36","modified_gmt":"2026-11-08T03:48:36","slug":"stripe-vs-paypal","status":"publish","type":"post","link":"https:\/\/promotelabs.com\/blog\/stripe-vs-paypal\/","title":{"rendered":"Stripe vs PayPal for Digital Products (2027)"},"content":{"rendered":"<div class=\"plb\">\n<style>.plb{font-size:18px;line-height:1.75;color:#1f2937}.plb h2{font-size:30px;line-height:1.25;margin:44px 0 14px;color:#0b1726;font-weight:800}.plb h3{font-size:22px;line-height:1.3;margin:28px 0 10px;color:#0b1726;font-weight:800}.plb p{margin:0 0 18px}.plb ul,.plb ol{margin:0 0 20px 22px}.plb li{margin:0 0 10px}.plb a{color:#1a8f3c;text-decoration:underline;text-underline-offset:3px}.plb .qa{background:#f1fbf4;border:1px solid #bfe8cc;border-left:5px solid #2ca749;border-radius:12px;padding:18px 22px;margin:4px 0 30px}.plb .qa b.l{display:block;color:#1a8f3c;font-size:13px;letter-spacing:.14em;margin-bottom:6px}.plb .qa p{margin:0}.plb table{width:100%;border-collapse:collapse;margin:8px 0 26px;font-size:16px}.plb th{background:#0b1726;color:#fff;text-align:left;padding:12px 14px}.plb td{border-bottom:1px solid #e5e7eb;padding:12px 14px;vertical-align:top}.plb tr:nth-child(even) td{background:#f8fafc}.plb .gift{display:flex;gap:20px;align-items:center;background:radial-gradient(600px 220px at 85% -40px,rgba(57,212,102,.35),rgba(11,23,38,0) 70%),#0b1726;border-radius:16px;padding:22px 24px;margin:30px 0;color:#e8eef6}.plb .gift img{width:120px;height:auto;border-radius:10px;flex:0 0 120px}.plb .gift b.t{display:block;color:#fff;font-size:21px;line-height:1.3;margin-bottom:6px}.plb .gift span.s{display:block;color:#c9d4e2;font-size:16px;line-height:1.55;margin-bottom:12px}.plb .gift a.g{display:inline-block;background:#2ca749 linear-gradient(180deg,#45d96d,#25a748);color:#fff!important;font-weight:800;font-size:16px;padding:11px 20px;border-radius:999px;text-decoration:none!important}.plb .note{color:#6b7280;font-size:15px;margin:0 0 22px}.plb .faq h3{font-size:20px;margin:22px 0 6px}@media(max-width:640px){.plb{font-size:17px}.plb h2{font-size:25px}.plb .gift{flex-direction:column;align-items:flex-start}.plb .gift img{width:100%;max-width:280px}}<\/style>\n<p class=\"note\">Published for 2027 by the PromoteLabs team. US fees as of late 2026; check each provider before you sign up.<\/p>\n<div class=\"qa\"><b class=\"l\">QUICK ANSWER<\/b><\/p>\n<p>For most US sellers of digital products, Stripe is cheaper per sale: 2.9% + 30\u00a2 for online cards with no monthly fee, versus PayPal\u2019s 2.99% + 49\u00a2 for card payments and 3.49% + 49\u00a2 for its PayPal checkout button. PayPal\u2019s advantage is trust and convenience for buyers who already have a PayPal account. Many sellers use Stripe as the main card processor and add PayPal as a second option.<\/p>\n<\/div>\n<h2>Stripe vs PayPal at a glance<\/h2>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Stripe<\/th>\n<th>PayPal<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><b>US online card fee<\/b><\/td>\n<td>2.9% + 30\u00a2<\/td>\n<td>2.99% + 49\u00a2<\/td>\n<\/tr>\n<tr>\n<td><b>Branded checkout button<\/b><\/td>\n<td>Not applicable<\/td>\n<td>3.49% + 49\u00a2 (PayPal, Venmo, guest checkout)<\/td>\n<\/tr>\n<tr>\n<td><b>International cards<\/b><\/td>\n<td>About +1.5%, plus about 1% for currency conversion<\/td>\n<td>About +1.5%, plus a currency conversion spread<\/td>\n<\/tr>\n<tr>\n<td><b>Monthly fee<\/b><\/td>\n<td>None on standard pricing<\/td>\n<td>None on standard accounts ($30\/month for Payments Pro)<\/td>\n<\/tr>\n<tr>\n<td><b>Fee on a $100 sale<\/b><\/td>\n<td>$3.20<\/td>\n<td>$3.48 by card, $3.98 by PayPal checkout<\/td>\n<\/tr>\n<tr>\n<td><b>Fee on a $10 sale<\/b><\/td>\n<td>$0.59<\/td>\n<td>$0.79 by card, $0.84 by PayPal checkout<\/td>\n<\/tr>\n<tr>\n<td><b>Best for<\/b><\/td>\n<td>Lowest fees, subscriptions, wide integrations<\/td>\n<td>Buyer trust and one-click checkout for PayPal users<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>When to choose Stripe<\/h2>\n<ul>\n<li>You sell many low-priced items, where PayPal\u2019s 49\u00a2 fixed fee hurts most.<\/li>\n<li>You want subscriptions, coupons and upsells through your cart or funnel tool.<\/li>\n<li>Your checkout platform connects to Stripe, which most do.<\/li>\n<\/ul>\n<h2>When to add PayPal<\/h2>\n<ul>\n<li>Your buyers ask to pay with PayPal or Venmo.<\/li>\n<li>You sell internationally to buyers who prefer not to enter card details.<\/li>\n<li>You want an extra payment option that can lift checkout conversions.<\/li>\n<\/ul>\n<h2>Should you use both?<\/h2>\n<p>Often, yes. Offering Stripe for cards and PayPal as an alternative covers almost every buyer. Just remember that sales paid through the PayPal button cost more, so price your products with that in mind.<\/p>\n<p>Read our full <a href=\"https:\/\/promotelabs.com\/blog\/stripe-payment-gateway-review\/\">Stripe review<\/a>, <a href=\"https:\/\/promotelabs.com\/blog\/paypal-payments-pro-payment-gateway-review\/\">PayPal Payments Pro review<\/a> and <a href=\"https:\/\/promotelabs.com\/blog\/payment-gateway-processor-reviews\/\">payment gateway comparison<\/a>.<\/p>\n<\/div>\n<div class=\"plb\">\n<style>.plb{font-size:18px;line-height:1.75;color:#1f2937}.plb h2{font-size:30px;line-height:1.25;margin:44px 0 14px;color:#0b1726;font-weight:800}.plb h3{font-size:22px;line-height:1.3;margin:28px 0 10px;color:#0b1726;font-weight:800}.plb p{margin:0 0 18px}.plb ul,.plb ol{margin:0 0 20px 22px}.plb li{margin:0 0 10px}.plb a{color:#1a8f3c;text-decoration:underline;text-underline-offset:3px}.plb .qa{background:#f1fbf4;border:1px solid #bfe8cc;border-left:5px solid #2ca749;border-radius:12px;padding:18px 22px;margin:4px 0 30px}.plb .qa b.l{display:block;color:#1a8f3c;font-size:13px;letter-spacing:.14em;margin-bottom:6px}.plb .qa p{margin:0}.plb table{width:100%;border-collapse:collapse;margin:8px 0 26px;font-size:16px}.plb th{background:#0b1726;color:#fff;text-align:left;padding:12px 14px}.plb td{border-bottom:1px solid #e5e7eb;padding:12px 14px;vertical-align:top}.plb tr:nth-child(even) td{background:#f8fafc}.plb .gift{display:flex;gap:20px;align-items:center;background:radial-gradient(600px 220px at 85% -40px,rgba(57,212,102,.35),rgba(11,23,38,0) 70%),#0b1726;border-radius:16px;padding:22px 24px;margin:30px 0;color:#e8eef6}.plb .gift img{width:120px;height:auto;border-radius:10px;flex:0 0 120px}.plb .gift b.t{display:block;color:#fff;font-size:21px;line-height:1.3;margin-bottom:6px}.plb .gift span.s{display:block;color:#c9d4e2;font-size:16px;line-height:1.55;margin-bottom:12px}.plb .gift a.g{display:inline-block;background:#2ca749 linear-gradient(180deg,#45d96d,#25a748);color:#fff!important;font-weight:800;font-size:16px;padding:11px 20px;border-radius:999px;text-decoration:none!important}.plb .note{color:#6b7280;font-size:15px;margin:0 0 22px}.plb .faq h3{font-size:20px;margin:22px 0 6px}@media(max-width:640px){.plb{font-size:17px}.plb h2{font-size:25px}.plb .gift{flex-direction:column;align-items:flex-start}.plb .gift img{width:100%;max-width:280px}}<\/style>\n<div class=\"gift\">\n<div><b class=\"t\">Got the checkout set up? Now get products worth selling<\/b><span class=\"s\">Get White Label and reseller rights to 20 AI software tools, the Marketing Vault and more. Put your brand on finished, proven products and sell them as your own.<\/span><a class=\"g\" href=\"https:\/\/promotelabs.com\/licensing\/\" target=\"_blank\" rel=\"noopener\">See Licensing Options &gt;&gt;<\/a><\/div>\n<\/div>\n<div class=\"pl-keep\">\n<h2>Keep reading<\/h2>\n<ul>\n<li><a href=\"https:\/\/promotelabs.com\/blog\/stripe-payment-gateway-review\/\">Stripe review (2027)<\/a><\/li>\n<li><a href=\"https:\/\/promotelabs.com\/blog\/paypal-payments-pro-payment-gateway-review\/\">PayPal Payments Pro review (2027)<\/a><\/li>\n<li><a href=\"https:\/\/promotelabs.com\/blog\/best-payment-gateway-digital-products\/\">Best payment gateways for digital products<\/a><\/li>\n<\/ul>\n<\/div>\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"faq\">\n<h3>Is Stripe cheaper than PayPal?<\/h3>\n<p>For US online card payments, usually yes: Stripe charges 2.9% + 30 cents while PayPal charges 2.99% + 49 cents for cards and 3.49% + 49 cents through its checkout button.<\/p>\n<h3>Can I use Stripe and PayPal together?<\/h3>\n<p>Yes. Many sellers use Stripe for card payments and offer PayPal as a second option at checkout.<\/p>\n<h3>Which is better for small digital products?<\/h3>\n<p>Stripe, because its lower 30-cent fixed fee takes a smaller share of low-priced sales.<\/p>\n<h3>Do Stripe or PayPal charge monthly fees?<\/h3>\n<p>Not on their standard plans. PayPal Payments Pro costs $30 a month if you need it.<\/p>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is Stripe cheaper than PayPal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For US online card payments, usually yes: Stripe charges 2.9% + 30 cents while PayPal charges 2.99% + 49 cents for cards and 3.49% + 49 cents through its checkout button.\"}},{\"@type\":\"Question\",\"name\":\"Can I use Stripe and PayPal together?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. 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See which costs less for you.<\/p>\n","protected":false},"author":11,"featured_media":36752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":"","tve_updated_post":"","tve_custom_css":"","tve_user_custom_css":"","tve_globals":{},"tcb2_ready":0,"tcb_editor_enabled":0,"tve_landing_page":"","_tve_header":"","_tve_footer":""},"categories":[1576],"tags":[],"class_list":["post-36753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-category","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stripe vs PayPal 2027: Fees Compared for Digital Sellers<\/title>\n<meta name=\"description\" content=\"Stripe charges 2.9% + 30\u00a2 per US card sale; PayPal charges 2.99% + 49\u00a2, or 3.49% + 49\u00a2 via its checkout button. 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