Stripe charges 2.9% + $0.30 (Source: Stripe, 2026) per successful charge with no monthly fees — best for developers and subscription businesses. PayPal charges 2.99% + $0.30 per transaction for standard accounts. For 100% online businesses, Stripe wins on features and developer experience. For physical goods sellers with high refund rates, PayPal's buyer protection can reduce chargebacks. Hybrid brands: consider using both via a payment processor aggregator.