WooCommerce Payments vs Stripe: Choosing the Right Payment Gateway

Effective payment management is the cornerstone of any thriving WooCommerce store. When comparing payment options for your online store, it’s important to weigh the pros and cons of WooCommerce Payments vs Stripe to ensure you choose the best solution for your business needs. Your choice of a payment gateway or processor can significantly impact your online business’s efficiency and success. Two prominent contenders in the WooCommerce payment landscape are WooCommerce Payments and Stripe. While both rely on the same core infrastructure for payment processing, there are nuanced differences that warrant your attention.


WooCommerce Payments vs Stripe

WooCommerce Payments and Stripe have established themselves as go-to options for WooCommerce stores. Despite their shared foundation in Stripe’s payment processing technology, there are essential distinctions that influence your choice. In this article, we will delve into a comprehensive comparison of WooCommerce Payments and Stripe to help you make an informed decision.

Factors for Comparison

WooCommerce Payments vs Stripe

Before we dive into the detailed comparison, it’s crucial to outline the key factors that will shape your decision-making process. These factors include:

  • Ease of Use: Assessing how user-friendly each payment option is for both you and your customers.
  • Cost: Analyzing the fees associated with each payment gateway, including transaction charges and any hidden costs. Also read to learn whether Woocommerce is free.
  • In-Person Sales: Considering the suitability of each option for in-person sales, including associated fees.
  • Currency Conversion: Evaluating the currency conversion charges, especially if you conduct international business.
  • Card Payments: Assessing the capabilities and charges related to card payments.
  • Advanced Stripe Features: Examining any advanced features offered by Stripe that may set it apart.

WooCommerce Payments vs. Stripe – Ease of Use

WooCommerce Payments vs Stripe

Both WooCommerce Payments and Stripe offer user-friendly interfaces for processing payments. WooCommerce Payments seamlessly integrates with your WordPress dashboard, providing easy access to order and payment-related data. In contrast, Stripe may require you to log in to your Stripe account for more detailed payment information. If integration and accessibility within your WordPress dashboard are a priority, WooCommerce Payments excels in this regard.

WooCommerce Payments vs. Stripe – Cost

WooCommerce Payments vs Stripe

Cost is a critical factor for any business. When comparing the fees associated with WooCommerce Payments and Stripe, there are notable similarities. For transactions within the United States, both WooCommerce Payments and Stripe charge 2.9% + a flat fee of $0.30. Both payment gateways also share a $15 fee for each disputed transaction. However, for international transactions, WooCommerce Payments charges 1.5%, whereas Stripe charged 1% in the past, but as of June 1, 2023, they also charge 1%, eliminating the distinction. Currency conversion charges are consistent for both options, at 1% of the transaction amount when the currency isn’t USD. Additionally, they do not levy extra fees for popular wallets like Google Pay and Apple Pay.

In terms of in-person payments, WooCommerce Payments charges 2.6% and a flat fee of $0.10, while Stripe charges 2.7% and a flat fee of $0.05.

WooCommerce Payments vs Stripe

WooCommerce Payments vs. Stripe – In-Person Sales

If you engage in in-person sales, both WooCommerce Payments and Stripe offer solutions. WooCommerce Payments charges 2.6% and a $0.10 flat fee for in-person transactions. In comparison, Stripe charges 2.7% and a $0.05 flat fee. However, it’s important to note that WooCommerce Payments only supports in-person transactions in the United States and Canada, whereas Stripe is more widely available.

WooCommerce Payments vs Stripe

WooCommerce Payments vs. Stripe – Currency Conversion

For currency conversion, both WooCommerce Payments and Stripe impose a 1% fee on the transaction amount when the payment currency differs from USD. This ensures consistency in this aspect.

WooCommerce Payments vs. Stripe – Card Payments

Both WooCommerce Payments and Stripe offer robust solutions for card payments. Stripe, as a payment processor, supports various payment methods, including debit and credit cards, along with digital wallets like Google Pay and Apple Pay. WooCommerce Payments, while also utilizing Stripe’s technology, functions as a payment gateway, allowing you to add additional supported payment gateways, including PayPal. The choice here depends on whether you prefer an all-in-one payment management system within your WordPress dashboard (WooCommerce Payments) or the flexibility to use multiple payment processors (Stripe).

WooCommerce Payments vs Stripe

WooCommerce Payments vs. Stripe – Advanced Stripe Features

Stripe offers advanced features and capabilities that may set it apart, depending on your business needs. These features include Stripe Terminal, which facilitates in-person payments and integrates seamlessly with your WooCommerce POS system. Stripe also supports a wide range of payment methods, making it suitable for businesses with a global footprint.

WooCommerce Payments vs Stripe


In the WooCommerce Payments vs. Stripe debate, one payment gateway stands out as the superior choice for most businesses: Stripe.

Stripe offers a comprehensive and flexible payment processing solution. It excels in several critical areas:

  • Availability: Stripe’s availability in 47 countries and acceptance of payments in 135+ currencies make it a compelling choice for businesses with a global footprint.
  • In-Person Sales: Stripe Terminal seamlessly integrates with WooCommerce POS systems, providing a hassle-free solution for in-person transactions.
  • Advanced Features: Stripe offers an array of advanced features, including support for multiple payment methods, a user-friendly interface, and robust reporting capabilities.
  • Cost: While both Stripe and WooCommerce Payments have similar cost structures, Stripe’s wider availability and superior functionality make it a more compelling option.

While WooCommerce Payments offers integration within your WordPress dashboard, it falls short in terms of availability and in-person sales support. In contrast, Stripe’s versatility and global reach make it the preferred choice for businesses aiming to maximize their revenue and streamline payment management.

In the WooCommerce Payments vs. Stripe showdown, Stripe emerges as the clear winner, providing a well-rounded payment solution for WooCommerce stores.

Ivy Smith

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