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Stripe vs PayPal India 2026 — Complete Comparison

Both charge 2.0% for domestic cards — but Stripe's UPI support and international billing tools make it the better choice for most Indian businesses.

2.0% flat
Stripe India (domestic cards)
2.0% flat
PayPal India (domestic)
0% UPI
Stripe India (zero-MDR)

Stripe vs PayPal — India Feature Comparison

FeatureStripe IndiaPayPal IndiaWinner
Domestic card rate2.0%~2.0%🤝 Tie
International card rate3.0%Varies✓ Stripe (predictable)
UPI support✅ Zero-MDR❌ No✓ Stripe
Netbanking✅ 2.0%Limited✓ Stripe
International billing (SaaS)✅ ExcellentLimited✓ Stripe
Brand trust (consumers)Growing✅ Established✓ PayPal
RBI FIRA compliance✅ Yes✅ Yes🤝 Tie
GST invoicingLimitedLimited🤝 Tie
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FAQ

Frequently Asked Questions

Both charge 2.0% for domestic Indian card transactions. Stripe has no fixed fee; PayPal may add FX fees for international transactions. For UPI, Stripe is effectively free under zero-MDR.
2.0% for domestic cards, 3.0% for international cards. UPI: 0% under government zero-MDR mandate.
PayPal India charges vary by transaction type. For international payments received, fees depend on the currency and sending country.
Both charge 2.0% for domestic cards. Razorpay has deeper India-specific features; Stripe has better global reach.
Both support international payments. Stripe is better for recurring USD billing; PayPal is more established for one-off international transfers.
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⚖️ Global Comparison🇮🇳 Stripe India📖 India Guide🧮 Calculator