14 ms·

Add PayPal to your Stripe integration

99 points by SMohata 3y ago

prasunna09 3y ago
Having paypal available within stripe integration would simplify a lot of things (not sure if it would really help save cost), I think Stripe has already made this possible for Europe. It is probably coming soon for the US as well
- SMohata 3y ago
  True, we have seen people really liking this feature. Although, the adoption numbers are not public there seems to be a positive sentiment around it. Hence, having this is in our product suite makes a lot of sense.
- wpnx 3y ago
  I wouldn’t hold out on paypal coming to US Stripe integration. I believe it’s available in Europe because of legislation requiring Paypal to support this.
  - arun_mishra 3y ago
    How is legislation involved here? Never heard of such things.
    - clintonb 3y ago
      https://developer.paypal.com/reference/guidelines/psd2-compliance/ https://developer.paypal.com/reference/guidelines/psd2-compl...
  - prasoonds 3y ago
    I don't think it's because of regulation. PSD2 related open-banking regulations are broadly about letting customers have access to their bank's functions via API. > PayPal enables XS2A use cases for TPPs through PayPal’s REST stack. Through PayPal's reliable and proven APIs, TPPs can access the same PayPal systems that power all of PayPal's merchant and consumer experiences. Stripe isn't a TPP and even if it were to use an external TPP (Tink, Truelayer etc) to allow users to initiate a transaction from a user's PayPal account (similar to A2A transfer), it would be significantly "less integrated" of an experience. There are many problems with the UX around Open Banking A2A payments and it would harm conversion. Because of these reasons, I think it's a bespoke integration/deal between Stripe and Paypal
  - hobo_in_library 3y ago
    Based on other commenters, it seems like PayPal was widely preferred as a payment mechanism in Europe, so Stripe had to offer it to remain competitive. That competitive pressure isn't nearly as strong in the US, and Stripe would be loath to be sending money to their direct competitor if they don't have to.
mschuster91 3y ago
> PayPal’s goal of acquiring customers gets in the way of user experience requiring them to collect way more input fields than Stripe on their card payment UI. Isn't this a consequence of different rates the card processing networks charge dependent on how much data you provide? Like, only a CC # pays the highest rate, CC+CVV or CC+Name pays a bit lower, and the full set of CC+CVV+Name+Billing address pays the lowest rate?
- rayquazatime 3y ago
  The auth rates might change based on the information provided but pricing is not dependent on this info
  - noodle 3y ago
    Sticker pricing, at least, IIRC
  - clintonb 3y ago
    Interchange fees differ based on card type and features. Visa Signature, for example, has a higher fee than plain Visa.
  - molsongolden 3y ago
    For B2B transactions it's possible to unlock lower interchange rates by providing L2 or L3 data (this data is more transaction-related though and not the customer billing address, CVV, etc. mentioned above).
idlewords 3y ago
Looking at payments for Pinboard for this year, it's about a 50/50 split between Stripe and PayPal. Integration with the latter is painful and unpleasant compared to Stripe, but there are a lot of users (international users especially) for whom Stripe is not an option. I also like not having a single payment provider have the ability to cut off my revenue if some kind of issue arises. For that reason I would avoid integrating PayPal via Stripe even if that option were offered.
- Nars088 3y ago
  > I also like not having a single payment provider have the ability to cut off my revenue if some kind of issue arises How are you going about this currently? Have you integrated Paypal separately or do you have any other processor along with stripe?
  - idlewords 3y ago
    The payment page shows a stripe and PayPal button, and the user can decide which they prefer.
- jliptzin 3y ago
  I would like to have multiple options for that reason, but right now we have Stripe integrated with Taxjar (Stripe owns Taxjar) which handles all our sales tax calculations and filings. If we add paypal separately, that would throw a huge wrench into that whole system, unfortunately.
  - Aulig 3y ago
    I use Paddle for that. They handle sales tax/VAT and offer all kinds of payment options.
    - vinibrito 3y ago
      Do you use just Paddle for everything payment related? And is it smooth?
colesantiago 3y ago
Doesn't Stripe already have Paypal support now? https://stripe.com/docs/payments/paypal https://stripe.com/docs/payments/paypal I believe support for US based accounts is coming soon as well.
- KAG1989 3y ago
  Stripe supporting paypal in Europe does not seem to be a customer driven decision. Both Stripe and paypal are not as big as they are in the states so they are probably more willing to collaborate here. I doubt they would be willing to work together in the US.
yellow_lead 3y ago
> Disclosure: Hyperswitch is a free and open source payment switch Misleading.. https://hyperswitch.io/pricing https://hyperswitch.io/pricing
- SMohata 3y ago
  https://github.com/juspay/hyperswitch/tree/main https://github.com/juspay/hyperswitch/tree/main Code is open-sourced; feel free to use it.
  - yellow_lead 3y ago
    I see, fair enough.
- nickphx 3y ago
  free for 10k transactions is rather generous
leros 3y ago
I've seen a huge demand for Paypal as a payment method, especially in Europe. I'm honestly surprised Stripe doesn't offer it.
- dharan22 3y ago
  They've launched it in Europe recently https://stripe.com/docs/payments/paypal https://stripe.com/docs/payments/paypal
  - nicbou 3y ago
    It requires converting the Paypal account to a business account, which is not great for a simple donation button
  - leros 3y ago
    That's a bummer you can only use it if your Stripe account is in Europe. I'd love to offer this to my European customers.
apisandapisand 3y ago
[dead]
arun_mishra 3y ago
[flagged]
- droopyEyelids 3y ago
  from the article: https://superblog.supercdn.cloud/site_cuid_clcr96b0c554951pnt4gir7s48/images/image-17-1690461033115-compressed.png https://superblog.supercdn.cloud/site_cuid_clcr96b0c554951pn... > 81% of US millennials, 79% of Gen-Xers, 65% of Gen-Zers and 68% of baby boomers use PayPal in the US If you're in a competitive market, foregoing PayPal can be an expensive choice.
wenbin 3y ago
In the early years of ListenNotes.com , one of the most impactful decisions I made was to integrate PayPal, in addition to Stripe. It's true that PayPal's integration process is less developer-friendly; I had to devote considerable time and energy to comprehend the intricacies of PayPal and Braintree, and there was a substantial period of trial and error. However, once completed, the system has proven to be impressively robust. In fact, I haven't had to modify the code for around four years. The outcomes have been more than satisfactory: - When it comes to Listen Notes, PayPal dominates as the preferred method of payment outside the US. - In terms of managing chargebacks, PayPal has significantly outperformed Stripe for us. With an approximate win rate of 100%, it far exceeds Stripe's virtually zero success rate. This experience underscores the need to look beyond initial developer convenience and consider factors such as global user preferences and chargeback management. Despite the initial time investment, the long-term benefits of integrating PayPal have been remarkable.
- cat-whisperer 3y ago
  Apart from the initial efforts that go into the setup, how do you manage day-to-day ops with multiple dashboards?
  - wenbin 3y ago
    What do you mean by "day-to-day operations with multiple dashboards"? I seldom log into either the PayPal or Stripe dashboards. I've developed several integrations into our internal tools to streamline processes. For example, these integrations allow us to view all payment transactions across different platforms and handle refunds. Both PayPal and Stripe have been configured to automatically deposit payouts into our company's bank accounts each day. This feature initially required us to contact PayPal to enable it (via PHONE CALL!), while with Stripe it could be activated with a single click.
  - badcppdev 3y ago
    You should be using the API integrations to pull all your payment sources into your own dashboard.
DueDilligence 3y ago
[dead]
electroly 3y ago
We have a Stripe-based store and I "integrated" PayPal by simply sending users to "paypal.me/<username>/<price>" after checkout because I didn't want to deal with PayPal's full integration with webhooks and stuff. Unfortunately it is very popular. Users love PayPal. I will probably need to do a proper integration eventually.
- SMohata 3y ago
  https://app.hyperswitch.io/login https://app.hyperswitch.io/login Why don't you try this out?
- badcppdev 3y ago
  Relevant xkcd: "Is it worth the time?" https://xkcd.com/1205/ https://xkcd.com/1205/
- NavyG 3y ago
  stripe-based store XD
- nothis 3y ago
  >Users love PayPal. Genuinely surprised to hear all the love for PayPal, recently. I don't use it much these days (did, years ago but found the experience fairly neutral) but remember a period of everyone seemingly hating PayPal because... I actually don't know? Maybe something about niche cases where it was harder to get them sorted out via PayPal vs other services (which I can imagine to be annoying)?
  - holoduke 3y ago
    Consumers love Paypal. Its easy and fast no hassle. Business owners hate Paypal. Too much commission, random account suspensions, locked accounts, too much consumer protection and more.
    - dharan22 3y ago
      Is it significantly cumbersome as compared to say Stripe? Worth taking the trade off and not offering something your consumers love?
FounderBurr 3y ago
Getting ganked by one processor for excessive risk/chargebacks and ‘instantly switching over’ to another is guaranteed to get you some real quick ‘fuck around and find out’ business lessons.
OJFord 3y ago
Why would you want to? Does anybody actually use PayPal, deliberately, as a 'digital wallet' & like and want that to continue? That aside, I assume just for card payments Stripe has at least as many card types built-in as PayPal offers?
- SMohata 3y ago
  [dead]
  - joshstrange 3y ago
    What is the source of those numbers? Those don't match my reality at all or what I've observed when I've provided Apple Pay and Google Pay (normally it's 70% Apple, 30% Google).
- lockhouse 3y ago
  I try to pay for everything I can, especially subscriptions via either Apple Pay or PayPal in that order of preference. It adds an extra layer of indirection from my credit and debit cards, and makes things much easier to cancel.
- HeyLaughingBoy 3y ago
  Yes.
bitcharmer 3y ago
Stripe to PayPal -> from bad to worse. Cool proposition bro
- deleted 3y ago
  [deleted]
joshstrange 3y ago
I'll have to be be forced to implement PayPal and thankfully, while it's been asked for, I been able to say no in all my projects. My audience is domestic-only (US) and since you can put a card on file easily or use Apple/Google Pay I haven't heard from any customers asking for it (only organizers that pay for the software, and only off-hand). If anyone were to push I'd just quote an absurd number to implement it. I know Stripe isn't perfect/flawless but I'll do everything in my power to avoid doing business with PayPal.
- Nars088 3y ago
  It probably comes down to how many have actually added their cards to GPay and Apple pay, best to experiment and check if adding paypal improves your conversions
BillinghamJ 3y ago
Uh, might be really bad timing on that integration there, as indeed PayPal has been a major missing option for Stripe for a very long time. But that actually changed extremely recently. PayPal is now fully supported with Stripe, even payment settlement happens in Stripe, Connect is supported etc. https://stripe.com/docs/payments/paypal https://stripe.com/docs/payments/paypal Its availability is limited - based on the merchant's Stripe account. It's not available in the US yet, but I can't imagine it'll be far behind. For EEA + UK + Swiss Stripe accounts, you can accept PayPal for US customers It seems that it was launched very quietly, not crystal clear why. Maybe PayPal are trying to avoid cannibalisation of their own payment processing services
- MasterScrat 3y ago
  We've added Paypal this way on our service (dreamlook.ai, "Stable Diffusion finetuning as a Service") and it was incredibly smooth. The setup took maybe 15min, and an hour later we had already received our first PayPal payments.
  - BillinghamJ 3y ago
    As did my company, Mojo/mojo.so Had to wait a few days for recurring/subscription payments to be "approved", but going great since then We noticed is that it doesn't expose any info about the region/country of the connected account, so we had to make a little adjustment to stop relying on that Also I think the pricing is a little on the high side, but PayPal people do really seem to like PayPal so not really a concern Very smooth on the whole
hbcondo714 3y ago
> Since PayPal is not available as a payment method within Stripe, you would have to render the PayPal checkout button separately That's what my SaaS[1] does, and I have found that 25% of paying customers checkout with their PayPal credentials while the majority enter their credit card in a Stripe checkout form. > you’ll have to figure out how to unify payment analytics or learn to live with two separate dashboards The WordPress plugin[2] does this already but it is only available in the WordPress admin dashboard on desktop only. I've been developing an open-source mobile app / PWA[3] that displays payment analytics for Stripe and want to expand it to include PayPal [1] https://last10k.com/register https://last10k.com/register [2] https://www.paidmembershipspro.com/add-ons/pmpro-add-paypal-express-option-checkout/ https://www.paidmembershipspro.com/add-ons/pmpro-add-paypal-... [3] https://github.com/hbcondo/revenut-web https://github.com/hbcondo/revenut-web
hulitu 3y ago
[flagged]

99 points by SMohata 3y ago

Having paypal available within stripe integration would simplify a lot of things (not sure if it would really help save cost), I think Stripe has already made this possible for Europe. It is probably coming soon for the US as well

SMohata 3y ago
True, we have seen people really liking this feature. Although, the adoption numbers are not public there seems to be a positive sentiment around it. Hence, having this is in our product suite makes a lot of sense.
wpnx 3y ago
I wouldn’t hold out on paypal coming to US Stripe integration. I believe it’s available in Europe because of legislation requiring Paypal to support this.
- arun_mishra 3y ago
  How is legislation involved here? Never heard of such things.
  - clintonb 3y ago
    https://developer.paypal.com/reference/guidelines/psd2-compliance/ https://developer.paypal.com/reference/guidelines/psd2-compl...
- prasoonds 3y ago
  I don't think it's because of regulation. PSD2 related open-banking regulations are broadly about letting customers have access to their bank's functions via API. > PayPal enables XS2A use cases for TPPs through PayPal’s REST stack. Through PayPal's reliable and proven APIs, TPPs can access the same PayPal systems that power all of PayPal's merchant and consumer experiences. Stripe isn't a TPP and even if it were to use an external TPP (Tink, Truelayer etc) to allow users to initiate a transaction from a user's PayPal account (similar to A2A transfer), it would be significantly "less integrated" of an experience. There are many problems with the UX around Open Banking A2A payments and it would harm conversion. Because of these reasons, I think it's a bespoke integration/deal between Stripe and Paypal
- hobo_in_library 3y ago
  Based on other commenters, it seems like PayPal was widely preferred as a payment mechanism in Europe, so Stripe had to offer it to remain competitive. That competitive pressure isn't nearly as strong in the US, and Stripe would be loath to be sending money to their direct competitor if they don't have to.

mschuster91 3y ago

> PayPal’s goal of acquiring customers gets in the way of user experience requiring them to collect way more input fields than Stripe on their card payment UI. Isn't this a consequence of different rates the card processing networks charge dependent on how much data you provide? Like, only a CC # pays the highest rate, CC+CVV or CC+Name pays a bit lower, and the full set of CC+CVV+Name+Billing address pays the lowest rate?

rayquazatime 3y ago
The auth rates might change based on the information provided but pricing is not dependent on this info
- noodle 3y ago
  Sticker pricing, at least, IIRC
- clintonb 3y ago
  Interchange fees differ based on card type and features. Visa Signature, for example, has a higher fee than plain Visa.
- molsongolden 3y ago
  For B2B transactions it's possible to unlock lower interchange rates by providing L2 or L3 data (this data is more transaction-related though and not the customer billing address, CVV, etc. mentioned above).

idlewords 3y ago

Looking at payments for Pinboard for this year, it's about a 50/50 split between Stripe and PayPal. Integration with the latter is painful and unpleasant compared to Stripe, but there are a lot of users (international users especially) for whom Stripe is not an option. I also like not having a single payment provider have the ability to cut off my revenue if some kind of issue arises. For that reason I would avoid integrating PayPal via Stripe even if that option were offered.

Nars088 3y ago
> I also like not having a single payment provider have the ability to cut off my revenue if some kind of issue arises How are you going about this currently? Have you integrated Paypal separately or do you have any other processor along with stripe?
- idlewords 3y ago
  The payment page shows a stripe and PayPal button, and the user can decide which they prefer.
jliptzin 3y ago
I would like to have multiple options for that reason, but right now we have Stripe integrated with Taxjar (Stripe owns Taxjar) which handles all our sales tax calculations and filings. If we add paypal separately, that would throw a huge wrench into that whole system, unfortunately.
- Aulig 3y ago
  I use Paddle for that. They handle sales tax/VAT and offer all kinds of payment options.
  - vinibrito 3y ago
    Do you use just Paddle for everything payment related? And is it smooth?

colesantiago 3y ago

Doesn't Stripe already have Paypal support now? https://stripe.com/docs/payments/paypal https://stripe.com/docs/payments/paypal I believe support for US based accounts is coming soon as well.

KAG1989 3y ago
Stripe supporting paypal in Europe does not seem to be a customer driven decision. Both Stripe and paypal are not as big as they are in the states so they are probably more willing to collaborate here. I doubt they would be willing to work together in the US.

yellow_lead 3y ago

> Disclosure: Hyperswitch is a free and open source payment switch Misleading.. https://hyperswitch.io/pricing https://hyperswitch.io/pricing

SMohata 3y ago
https://github.com/juspay/hyperswitch/tree/main https://github.com/juspay/hyperswitch/tree/main Code is open-sourced; feel free to use it.
- yellow_lead 3y ago
  I see, fair enough.
nickphx 3y ago
free for 10k transactions is rather generous

leros 3y ago

I've seen a huge demand for Paypal as a payment method, especially in Europe. I'm honestly surprised Stripe doesn't offer it.

dharan22 3y ago
They've launched it in Europe recently https://stripe.com/docs/payments/paypal https://stripe.com/docs/payments/paypal
- nicbou 3y ago
  It requires converting the Paypal account to a business account, which is not great for a simple donation button
- leros 3y ago
  That's a bummer you can only use it if your Stripe account is in Europe. I'd love to offer this to my European customers.

apisandapisand 3y ago

[dead]

arun_mishra 3y ago

[flagged]

droopyEyelids 3y ago
from the article: https://superblog.supercdn.cloud/site_cuid_clcr96b0c554951pnt4gir7s48/images/image-17-1690461033115-compressed.png https://superblog.supercdn.cloud/site_cuid_clcr96b0c554951pn... > 81% of US millennials, 79% of Gen-Xers, 65% of Gen-Zers and 68% of baby boomers use PayPal in the US If you're in a competitive market, foregoing PayPal can be an expensive choice.

wenbin 3y ago

In the early years of ListenNotes.com , one of the most impactful decisions I made was to integrate PayPal, in addition to Stripe. It's true that PayPal's integration process is less developer-friendly; I had to devote considerable time and energy to comprehend the intricacies of PayPal and Braintree, and there was a substantial period of trial and error. However, once completed, the system has proven to be impressively robust. In fact, I haven't had to modify the code for around four years. The outcomes have been more than satisfactory: - When it comes to Listen Notes, PayPal dominates as the preferred method of payment outside the US. - In terms of managing chargebacks, PayPal has significantly outperformed Stripe for us. With an approximate win rate of 100%, it far exceeds Stripe's virtually zero success rate. This experience underscores the need to look beyond initial developer convenience and consider factors such as global user preferences and chargeback management. Despite the initial time investment, the long-term benefits of integrating PayPal have been remarkable.

cat-whisperer 3y ago
Apart from the initial efforts that go into the setup, how do you manage day-to-day ops with multiple dashboards?
- wenbin 3y ago
  What do you mean by "day-to-day operations with multiple dashboards"? I seldom log into either the PayPal or Stripe dashboards. I've developed several integrations into our internal tools to streamline processes. For example, these integrations allow us to view all payment transactions across different platforms and handle refunds. Both PayPal and Stripe have been configured to automatically deposit payouts into our company's bank accounts each day. This feature initially required us to contact PayPal to enable it (via PHONE CALL!), while with Stripe it could be activated with a single click.
- badcppdev 3y ago
  You should be using the API integrations to pull all your payment sources into your own dashboard.

DueDilligence 3y ago

[dead]

electroly 3y ago

We have a Stripe-based store and I "integrated" PayPal by simply sending users to "paypal.me/<username>/<price>" after checkout because I didn't want to deal with PayPal's full integration with webhooks and stuff. Unfortunately it is very popular. Users love PayPal. I will probably need to do a proper integration eventually.

SMohata 3y ago
https://app.hyperswitch.io/login https://app.hyperswitch.io/login Why don't you try this out?
badcppdev 3y ago
Relevant xkcd: "Is it worth the time?" https://xkcd.com/1205/ https://xkcd.com/1205/
NavyG 3y ago
stripe-based store XD
nothis 3y ago
>Users love PayPal. Genuinely surprised to hear all the love for PayPal, recently. I don't use it much these days (did, years ago but found the experience fairly neutral) but remember a period of everyone seemingly hating PayPal because... I actually don't know? Maybe something about niche cases where it was harder to get them sorted out via PayPal vs other services (which I can imagine to be annoying)?
- holoduke 3y ago
  Consumers love Paypal. Its easy and fast no hassle. Business owners hate Paypal. Too much commission, random account suspensions, locked accounts, too much consumer protection and more.
  - dharan22 3y ago
    Is it significantly cumbersome as compared to say Stripe? Worth taking the trade off and not offering something your consumers love?

FounderBurr 3y ago

Getting ganked by one processor for excessive risk/chargebacks and ‘instantly switching over’ to another is guaranteed to get you some real quick ‘fuck around and find out’ business lessons.

OJFord 3y ago

Why would you want to? Does anybody actually use PayPal, deliberately, as a 'digital wallet' & like and want that to continue? That aside, I assume just for card payments Stripe has at least as many card types built-in as PayPal offers?

SMohata 3y ago
[dead]
- joshstrange 3y ago
  What is the source of those numbers? Those don't match my reality at all or what I've observed when I've provided Apple Pay and Google Pay (normally it's 70% Apple, 30% Google).
lockhouse 3y ago
I try to pay for everything I can, especially subscriptions via either Apple Pay or PayPal in that order of preference. It adds an extra layer of indirection from my credit and debit cards, and makes things much easier to cancel.
HeyLaughingBoy 3y ago
Yes.

bitcharmer 3y ago

Stripe to PayPal -> from bad to worse. Cool proposition bro

deleted 3y ago
[deleted]

joshstrange 3y ago

I'll have to be be forced to implement PayPal and thankfully, while it's been asked for, I been able to say no in all my projects. My audience is domestic-only (US) and since you can put a card on file easily or use Apple/Google Pay I haven't heard from any customers asking for it (only organizers that pay for the software, and only off-hand). If anyone were to push I'd just quote an absurd number to implement it. I know Stripe isn't perfect/flawless but I'll do everything in my power to avoid doing business with PayPal.

Nars088 3y ago
It probably comes down to how many have actually added their cards to GPay and Apple pay, best to experiment and check if adding paypal improves your conversions

BillinghamJ 3y ago

Uh, might be really bad timing on that integration there, as indeed PayPal has been a major missing option for Stripe for a very long time. But that actually changed extremely recently. PayPal is now fully supported with Stripe, even payment settlement happens in Stripe, Connect is supported etc. https://stripe.com/docs/payments/paypal https://stripe.com/docs/payments/paypal Its availability is limited - based on the merchant's Stripe account. It's not available in the US yet, but I can't imagine it'll be far behind. For EEA + UK + Swiss Stripe accounts, you can accept PayPal for US customers It seems that it was launched very quietly, not crystal clear why. Maybe PayPal are trying to avoid cannibalisation of their own payment processing services

MasterScrat 3y ago
We've added Paypal this way on our service (dreamlook.ai, "Stable Diffusion finetuning as a Service") and it was incredibly smooth. The setup took maybe 15min, and an hour later we had already received our first PayPal payments.
- BillinghamJ 3y ago
  As did my company, Mojo/mojo.so Had to wait a few days for recurring/subscription payments to be "approved", but going great since then We noticed is that it doesn't expose any info about the region/country of the connected account, so we had to make a little adjustment to stop relying on that Also I think the pricing is a little on the high side, but PayPal people do really seem to like PayPal so not really a concern Very smooth on the whole

hbcondo714 3y ago

> Since PayPal is not available as a payment method within Stripe, you would have to render the PayPal checkout button separately That's what my SaaS[1] does, and I have found that 25% of paying customers checkout with their PayPal credentials while the majority enter their credit card in a Stripe checkout form. > you’ll have to figure out how to unify payment analytics or learn to live with two separate dashboards The WordPress plugin[2] does this already but it is only available in the WordPress admin dashboard on desktop only. I've been developing an open-source mobile app / PWA[3] that displays payment analytics for Stripe and want to expand it to include PayPal [1] https://last10k.com/register https://last10k.com/register [2] https://www.paidmembershipspro.com/add-ons/pmpro-add-paypal-express-option-checkout/ https://www.paidmembershipspro.com/add-ons/pmpro-add-paypal-... [3] https://github.com/hbcondo/revenut-web https://github.com/hbcondo/revenut-web

hulitu 3y ago

[flagged]