Payment Processor Comparison 2025

Why CustomCart chose Stripe as its payment backbone — with verified 2025 data

$1.4T+
Processed annually on Stripe
38%
Avg fraud reduction with Radar
92%
Cards seen before on network
<100ms
Fraud decision time
Feature
StripeSELECTED
PayPal Square Authorize.net Mollie 2Checkout
Pricing (2025 Verified) → Stripe Pricing
Online Transaction Fee 2.9% + 30¢stripe.com/pricing 3.49% + 49¢Card-funded 2.9% + 30¢ 2.9% + 30¢+ $25/mo gateway 1.2% + €0.25EU cards only 3.5% + 35¢2Sell plan
Monthly Fee $0 $0$30 for Virtual Terminal $0 $25/month $0 $0
Setup Fee $0 $0 $0 $25-$99 $0 $0
International Cards +1.5%Cross-border fee 4.49% + fixed Not supported Limited 2.5-3% FX +2-5% FX
Chargeback Fee $15+$15 counter fee (refundable if won) $15-$20 $0 $25 €25 $36-$50
CustomCart Critical Requirements → Stripe Docs
Built-in Coupon/Promo System Native APIdocs.stripe.com/api/coupons No No No No Basic only
Promotion Codes (Customer-Facing) Yesdocs.stripe.com/api/promotion_codes% off, $ off, min order, limits No No No No No
Payment Intents (SCA/3DS2) Nativedocs.stripe.com/payments/payment-intents Via Braintree Yes Add-on required Yes Yes
Server-side Price Validation Prices in Stripedocs.stripe.com/api/pricesPrevents cart manipulation Manual Manual Manual Manual Manual
Webhook Signature Verification Cryptographicdocs.stripe.com/webhooks/signatures IPN only Yes No Yes HMAC
No SDK Required (cURL only) Yesdocs.stripe.com/apiClean REST API Possible Possible SDK recommended Yes SDK recommended
Automatic Tax/VAT/GST Stripe Taxstripe.com/tax100+ countries, auto-calc No No No No Basic
VAT ID Validation Auto-validateEU/AU VAT/ABNReverse charge support No No No Manual No
Checkout Branding/Design Full controldocs.stripe.com/.../customizationLogo, colors, fonts, custom domain Limited Limited Minimal Some Some
Product Images in Checkout YesImages passed to StripeShows in payment page Limited No No Some Some
Security & Fraud Protection → Stripe Radar
AI Fraud Detection (ML) Radarstripe.com/radar1000+ signals, <100ms Yes Basic Add-on ($) Basic Basic
Fraud Reduction Rate 38% averagePer Stripe 2024 data Varies Unknown Unknown Unknown Unknown
False Positive Rate 0.1%Industry-leading Higher Unknown Unknown Unknown Unknown
Client-side Tokenization Stripe.jsdocs.stripe.com/jsCard never hits server Yes Yes Accept.js Yes Yes
PCI Compliance Level SAQ-Astripe.com/guides/pci-complianceLowest merchant burden SAQ-A SAQ-A SAQ-A-EP SAQ-A SAQ-A
Developer Experience → Stripe Documentation
API Documentation Quality Industry Bestdocs.stripe.com/api Complex Good Outdated Good Average
Test/Sandbox Mode Seamlessdocs.stripe.com/testingSame dashboard, test keys Separate account Good Separate account Good Limited
Dashboard Quality Excellent Cluttered Good Dated Good Average
Webhooks Excellentdocs.stripe.com/webhooksSigned, reliable, retries IPN/Webhooks Yes Limited Yes Yes
Global Availability → Stripe Global
Countries Supported 50+ countriesstripe.com/global 200+ countries 8 countriesUS, CA, AU, JP, UK, IE, FR, ES US, CA, UK, EU EU focus Global
Payment Methods 135+ methodsstripe.com/payments/payment-methods PayPal, Venmo, Cards Cards, Wallets Cards, eCheck EU local methods Cards, Local
Multi-Currency 135+ currenciesdocs.stripe.com/currencies 25 currencies Limited Limited Good Good
Digital Wallets Apple Pay, Google Pay, Samsung Pay, LinkAll major wallets PayPal, Venmo Apple Pay, Google Pay Apple Pay only Apple Pay, Google Pay Limited
Buy Now Pay Later (BNPL) Klarna, Affirm, AfterpayNative BNPL Pay Later Afterpay No Klarna Limited
Additional Features
Subscription/Recurring Nativestripe.com/billing Yes Yes Yes Yes Yes
Customer Portal Self-servicedocs.stripe.com/customer-management No No No No Basic
Invoice Generation Nativestripe.com/invoicing Yes Yes Basic Basic Yes
Connect (Marketplace) Full platformstripe.com/connect PayPal for Marketplaces No No Limited No
Link (1-Click Checkout) Yesstripe.com/payments/link PayPal One Touch No No No No

Legend

Features actively used by CustomCart
Key differentiator (Stripe wins)
Green = Excellent/Yes
Orange = Partial/Limited
Red = No/Poor/More Expensive

Sources (All verified 2025)