Paypal vs Stripe

Pick Stripe if you're building a product with recurring billing, subscription logic, or multi-currency checkout flows. The 33 tools cover invoicing, payment intents, and webhook handling that map cleanly to SaaS revenue ops. API key auth means you can wire it into a Project in under five minutes. Pick PayPal if your customer base skews toward consumer marketplaces or you need buyer protection workflows baked in. The 50 tools include dispute resolution, mass payouts, and legacy Express Checkout endpoints that matter for peer-to-peer platforms. For most teams shipping a B2B product, Stripe is the faster path to revenue automation. PayPal's OAuth2 flow adds setup friction, and the extra tool count mostly covers edge cases unless you're running a two-sided marketplace. Switching from Stripe to PayPal after you've built subscription hooks into your AI workflows costs a week of re-routing payment intent logic and testing refund chains.