如果您拥有电脑或智能手机(computer or smartphone)，那么您很可能参与过数字交易的任何一方。您使用PayPal(PayPal)等电子钱包的可能性也很大。
PayPal在全球拥有 2.95 亿用户。仅在 2019 年上半年，它就处理了近 60 亿笔交易。它广为人知，因为它是一个消费者友好的平台。
现在，如果你想成为一个小企业主，(business owner —)你应该坚持使用PayPal，因为它是一个领导者吗？或者你应该冒险转向它的竞争对手Stripe吗？
Stripe 与 PayPal：选择最适合您的业务(Stripe vs. PayPal: Choosing The Best For Your Business)
在您决定注册PayPal或切换到Stripe 之前，(Stripe –)让我们回顾一下两者之间的一些差异。
交易费用(Transaction Fees)
虽然两个平台的交易费用(transaction fee)（每笔交易 2.9% + 0.30 美分）相同，但PayPal的(PayPal)成本细分(cost breakdown)确实更深入。
例如，您可以查看以下费用：
- 美国和国际交易
- 小额支付和大额支付
- 利润或非营利性付款
- 通过虚拟终端处理的交易
您还可以评估以下费用：
- 定期计费
- 货币换算
- 退款
- 退单
- 美国运通付款
- 手机读卡器交易
- 等等
基于此，有人会说PayPal获胜是因为透明度。然而，其他人会同意Stripe保持其费用结构(fee structure)的简化，这意味着没有意外成本。
接受的付款类型(Types of Payments Accepted)
如果您在网上开展业务(business online)，您需要一个能够接受尽可能多的付款方式的平台。对于PayPal，这包括：
但是，并非所有人都可以使用所有付款方式。例如，电话支付(Phone)交易(Pay)仅在您拥有Payments(Pay) Pro计划(Pro plan)时可用。
(Stripe)另一方面，Stripe接受信用卡和借记卡(credit and debit cards)、Apple Pay、Google Pay等支付类型。
接受的国家和货币(Countries and Currencies Accepted)
现在，如果您是一家计划走向全球的企业，那么您需要适当的支持。让我们看看哪个提供最好的。
首先(First)是Paypal，它接受来自200 多个国家(over 200 countries)的付款。另一方面，Stripe 仅接受 25 个国家/地区。然而，PayPal仅处理 25 种货币的交易，而 Stripe 的 135+。
我们可以将此称为平局，具体取决于您如何看待它（以及对您的业务更重要的事情）。
高级计费选项(Advanced Billing Options)
您打算如何处理客户的付款？您会发现两者都具有出色的高级计费选项，例如：
- 发票
- 市场(Marketplace)解决方案（条纹连接(Stripe Connect)）
- 订阅
由于Stripe更专注于电子商务，因此没有移动芯片阅读器或与POS系统集成的选项。
与其他工具的集成(Integrations with Other Tools)
Stripe 和 PayPal(Stripe and PayPal)都集成了各种电子商务和金融工具(e-commerce and finance tools)。然而，Stripe 拿走(Stripe)了蛋糕，因为它有更多的选择。
以下是您可以与平台集成的一些内容：
- 客户关系管理(Customer Relationship Management)( CRM )
- 客户支持
- 电子邮件营销
- 筹款
- 库存管理
- 经常性付款
- 表单构建
- 推荐营销
- 和更多
那么如何设置条纹？(So How Do You Set Up Stripe?)
在线支付工具的优点在于您可以免费测试它们。因此，如果您对Stripe进行试运行(test run)感到兴奋，那么您可以立即启动并运行。
- 使用您的电子邮件地址(email address)、全名和强密码（至少一个大写字母、数字和非字母数字字符）进行注册。
- 确认您的帐户电子邮件地址(account email address)（检查您的收件箱）。
- 由于您可能不是开发人员，请选择Prebuilt Solutions选项。
- 在此页面上，您将能够集成您正在使用的平台，例如Squarespace 或 Xero(Squarespace or Xero)。否则(Otherwise)，请暂时单击跳过(Skip)。
- 现在您在仪表板中，您可以在其中按天、周、月、季度或年查看所有交易。
- 要开始接受Stripe付款，您需要设置您的银行帐户(bank account)。资金不会像PayPal那样存放在您的帐户中。但是，您将需要等待 7 天左右，具体取决于您的业务类型。您的业务风险越大，等待时间越长。
- 在仪表板的顶部，您会看到激活您的 Stripe 帐户。(Activate your Stripe account.)单击此下拉菜单并选择(menu and select)开始。( Start.)
- 接下来，您需要插入所有业务详细信息。最后，插入您的银行详细信息并设置两步验证（推荐用于安全性）。
使用您的 Stripe 帐户(Using Your Stripe Account)
完成所有设置后，您就可以查看Stripe提供的所有强大功能。例如，您可以查看您的付款(Payments)并根据成功、已退款或未捕获的付款对视图进行分类。
您还可以查看您已公开且需要您回应的争议。另外，您可以根据您的赢或输来过滤它们。
在“余额(Balance)”部分下，您可以看到有多少资金正在汇入您的银行，以及有多少被搁置。被冻结的资金需要通过您的银行账户(bank account)解决问题。
在余额(Balance)部分下，您会找到付款(Payouts)和交易(Transactions)。您的付款是发送到您的银行帐户(bank account)的资金。交易显示所有 - 那些已发送和待处理。
在您的客户(Customers)部分，您可以添加客户，以便在时间到来时轻松向他们收费。
报告(Reports)部分是另一个方便的工具，可让您查看几个月或过去一年的交易概览。
Radar是另一个可用于查看帐户概览(account overview)的分析功能。这将告诉您收到了多少争议（输了和赢了）。
然后在计费(Billing)选项卡下，您将能够看到有关您的业务的更多分析。例如，您可以查看以下快照：
- 收入和用户增长
- 留存率和流失率
- 每个订户的平均收入
- 过期未付支票
在菜单上的账单(Billing)下方，您可以查看您的产品、税率、优惠券、订阅和发票。
如果您想查看您的订单，您可以点击菜单中的订单(Orders)。另外，您可以查看您的产品。
当您准备好进入技术方面时，您可以使用终端(Terminal )部分，您将在其中集成POS 终端(POS)。
开发人员(Developers)部分将允许您访问API，您可以在其中进行进一步的集成。
在您的设置(Settings)中，您可以更改您的业务详细信息、添加Stripe 应用(Stripe apps)以及查看合规性和报告文档(compliance and reporting documents)。
Strive Vs Paypal: Stripe Is a Simple & Safe Bet!
Stripe是Paypal的一个日益增长的竞争对手，并且有充分的理由——它提供了更多。它为编码人员以及希望为其支付设置(payment setup)进行更多集成的企业主提供了一些东西。
开始使用Stripe既(Stripe)简单又快捷(simple and quick)，为什么不设置您的帐户，看看它与PayPal的(PayPal)比较呢？
Stripe Vs Paypal: Which is Better?
If you оwn a computеr or smartphone, then thе chances are you’ve been on either side of a digital transactiоn. And the odds that yоu use an e-wallet like PayPal іs also likely.
PayPal boasts a user base of 295 million people worldwide. In just the first half of 2019, it processed nearly six billion transactions. It’s widely known because it’s a consumer-friendly platform.
Now, what if you want to become a small business owner — should you stick with PayPal because it’s a leader? Or should you venture over to its rival Stripe instead?
Stripe vs. PayPal: Choosing The Best For Your Business
Before you decide to sign up for PayPal – or switch over to Stripe – let’s review some of the differences between the two.
Transaction Fees
While the transaction fee (2.9% + 0.30 cents per transaction) is the same for the two platforms, PayPal does go more in-depth with its cost breakdown.
For instance, you can view the fees for:
- U.S. and international transactions
- Micropayments and large payments
- Profit or non-profit payments
- Transactions processed through a virtual terminal
You can also assess the fees for:
- Recurring billing
- Currency conversions
- Refunds
- Chargebacks
- Amex payments
- Mobile card reader transactions
- and so on
Based on this, some will say PayPal wins because of transparency. Yet, others will agree Stripe keeps its fee structure simplified, which means no unexpected costs.
Types of Payments Accepted
If you’re doing business online, you need a platform that accepts as many forms of payments as possible. For PayPal, this includes:
- PayPal (of course)
- Credit cards
- Debit cards
- PayPal Credit
- Pay by phone
However, not all payment types are available to everyone. For instance, Pay by Phone transactions are only available if you have the Payments Pro plan.
Stripe, on the other hand, accepts payment types such as credit and debit cards, Apple Pay, Google Pay, and many more.
Countries and Currencies Accepted
Now, if you’re a business that’s planning to go global, then you need the proper support. Let’s see which offers the best.
First up is Paypal, which accepts payments from over 200 countries. Stripe on the other hand only accepts 25 countries. However, PayPal only processes transactions in 25 currencies, compared to Stripe’s 135+.
We can call this one a tie, depending on how you look at it (and what matters more to your business).
Advanced Billing Options
How are you planning to process payments from your customers? You’ll find both come with exceptional advanced billing options, such as:
- Invoicing
- Marketplace solutions (Stripe Connect)
- Subscriptions
Since Stripe is more focused on e-commerce, there’s no option for mobile chip readers or integration with POS systems.
Integrations with Other Tools
Both Stripe and PayPal come with integrations with various e-commerce and finance tools. However, Stripe takes the cake, since it has a lot more options available.
Here’s a look at some of the things you can integrate the platform with:
- Customer Relationship Management (CRM)
- Customer support
- Email marketing
- Fundraising
- Inventory management
- Recurring payments
- Form building
- Referral marketing
- And more
So How Do You Set Up Stripe?
What’s great about online payment tools is that you can test them out for free. So if you’re excited to give Stripe a test run, then you can be up and running in no time.
- Sign up with your email address, full name, and a strong password (at least one cap, number, and non-alphanumeric character).
- Confirm your account email address (check your inbox).
- Since you’re likely not a developer, select the Prebuilt Solutions option.
- On this page, you’ll be able to integrate the platforms you’re using, such as Squarespace or Xero. Otherwise, click Skip for now.
- Now you’re in your dashboard, where you can see all of your transactions by the day, week, month, quarter, or year.
- To begin accepting Stripe payments, you’ll need to set up your bank account. Funds don’t sit in your account like with PayPal. However, you will have to wait seven or so days, depending on the type of business you have. The riskier your business, the longer the waiting period.
- At the top of your dashboard, you’ll see Activate your Stripe account. Click this to drop down the menu and select Start.
- Next, you’ll need to insert all of your business details. At the end, insert your bank details and set up two-step authentication (recommended for security).
Using Your Stripe Account
Once you’re all set up, you can check out all of the great features Stripe has to offer. For instance, you can look at your Payments and categorize your view based on those that succeeded, were refunded, or are uncaptured.
You can also look at your disputes you have open that need your response. Plus, you can filter them based on those you won or lost.
Under the Balance section, you can see how much money is on the way to your bank, and how much is on hold. The funds on hold will require resolving the issue with your bank account.
Under the Balance section, you’ll find Payouts and Transactions. Your payouts are the funds sent to your bank account. The transactions show all – those sent and pending.
In your Customers section, you can add clients so you can easily bill them when the time arrives.
The Reports section is another handy tool, which will allow you to see an overview of your transactions over the course of months or the past year.
Radar is another analytics feature you can use to see your account overview. This will tell you how many disputes you received (lost and won).
Then under the Billing tab, you’ll be able to see more analytics regarding your business. For instance, you can see a snapshot of your:
- Growth in revenue and subscribers
- Retention and churn rates
- Average revenue per subscriber
- Outstanding invoices
Beneath Billing on the menu, you can look at your products, tax rates, coupons, subscriptions, and invoices.
If you want to see your orders placed, you can click Orders in the menu. Plus, you can review your products.
When you’re ready to get to the technical side of things, you can play around with the Terminal section, which is where you’ll integrate a terminal for POS.
The Developers section will allow you access to the API, where you can do further integrations.
In your Settings, you can change your business details, add Stripe apps, and review compliance and reporting documents.
Strive Vs Paypal: Stripe Is a Simple & Safe Bet!
Stripe is a growing rival for Paypal and for good reason — it offers more. It has something for the coders, as well as the business owners who want to more integrations for their payment setup.
It’s simple and quick to get started with Stripe, so why not set your account up and see how it compares with PayPal?
