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Business & Legal/Payment Processor Compare

Payment Processor Compare

Stripe vs PayPal vs Square — see what you actually keep per $1,000 in sales

9 PROCESSORS7 processorsVolume-basedRisk scorePayout speed
$
$
Best for you
PayPal F&F
Personal transfers only
Total Monthly Cost · Sorted by cost
👥
PayPal F&F★ Cheapesthigh risk
Personal transfers only · payout Instant
$56
0.22% effective
🌍
Wise Businesslow risk
International / FX · payout 1 day
$539
2.15% effective
🧠
Braintreelow risk
High volume, marketplaces · payout 2-3 days
$583
2.33% effective
Squarelow risk
Retail, restaurants · payout 1-2 days
$758
3.03% effective
🅰️
Authorize.Netmedium risk
Mid-size merchants · payout 2-3 days
$831
3.33% effective
💳
Stripemedium risk
SaaS, e-commerce · payout 2 days
$892
3.57% effective
🛍️
Shopify Paymentslow risk
Shopify stores · payout 3-5 days
$892
3.57% effective
🟦
Amex Directlow risk
Amex-heavy businesses · payout 2-3 days
$953
3.81% effective
🅿️
PayPal G&Smedium risk
Consumer goods, eBay · payout 1-3 days
$1102
4.41% effective
💡 Save up to $1046/mo
Switching from PayPal G&S to PayPal F&F saves you $12552 per year. For high volume, Braintree and Wise have the best effective rates.
Data Source & Legal Disclaimer
Effective: 2026 rates (verify before integrating)Last updated: 1 years agoUpdate: Manual review
Sources: Stripe Pricing · PayPal Merchant Fees · Square Pricing · Wise Business Pricing

Payment processor rates are standard published rates as of 2026. Actual rates may vary based on volume, risk assessment, and negotiated agreements. International transaction fees and currency conversion fees not included. Always confirm current rates on the processor's website.

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