Stripe and PayPay: choose the payment flow first
An online checkout and a payment at the counter have different requirements. Stripe and PayPay should be compared against the transactions your customers need to complete, not treated as interchangeable labels.
Follow the customer's payment
List online purchases, in-person sales, invoices, subscriptions and international customers separately. Test the methods, currencies and devices relevant to each. Confirm merchant eligibility directly with the provider before planning around an integration.
Check money movement
Compare current transaction fees, settlement schedules, refunds, disputes and any currency conversion. Ask how accounting exports identify the original sale, fee and payout. A payment is not finished for your business until the records reconcile.
Exercise the exceptions
Test failed payments, duplicate submissions, partial refunds and a lost confirmation email. Decide who receives alerts and how staff can resolve an issue without asking a customer to pay twice.
Choose the combination you need
You may need different methods for different sales channels. Keep their order references and reporting consistent. Add a method because customers need it and your staff can support it, rather than collecting logos for the checkout page.
Useful links
Need help choosing?
I can assess the existing setup, help choose a platform or implement a scoped change. Compare the engagements, or tell me what your team needs to do.
Request a Technology Decision Session: $175
A 45-minute live discussion. Written assessment starts with the Technology Health Check.