WooCommerce Payments vs Stripe: Which One Should You Choose (2025)?

WooCommerce Payments Vs Stripe

Once you start setting up your online store, the question arises: which payment gateway should you pick? Two of the most popular payment gateways for the WooCommerce platform are WooCommerce Payments and Stripe.

This is the reason for comparing WooCommerce Payments Vs Stripe. This blog will provide an in-depth comparison of these payment types and highlight their differences.

What are WooCommerce Payments?

WooCommerce-Payments| WooCommerce Payments Vs Stripe

WooCommerce Payments is an integrated payment option from WooCommerce. Not just online payments, it helps you with accepting offline payments, tracking revenue, and everything related to payments.

Let’s see some of the different features that WooCommerce Payments brings to the table:

  • Giving more choices to buyers: With WooCommerce payments in place, you are giving your customers different choices when it comes to payment options. Payment options range from Credit Cards, Debit Cards, Apple Pay, and Google Pay, and for an even faster checkout WooCommerce Payments presents you with Woo Pay.
  • Local availability: By choosing to integrate your WooCommerce store with WooCommerce Payments, you are bringing in accessibility to your customers. WooCommerce Payments is available around the globe in 38 countries.
  • Woo Mobile App: If you are an e-commerce store accepting payments in person, you can use Woo Mobile App to make the payment flow seamless.
  • Dashboard Integration: Manage every payment, refund, and order-related dispute without the need to move around.
  • Customized solutions: If you have a high-volume store, WooCommerce Payments provides next-level customization, advanced selling features, and dedicated support.

What are Stripe Payments?

Stripe is a widely accepted payment gateway globally. It has created an elaborate structure that makes it a go-to solution for online product or service providers to integrate the business for payment-related needs.

You can get Stripe Payment integrated into your WooCommerce account using the plugin officially developed by Stripe. Once you activate the plugin, your screen will look like this:

Stripe-Payments| WooCommerce Payments Vs Stripe

All you have to do is sync your account with Stripe to the plugin.

Many exclusive features are offered by Stripe, let’s look into some of them:

  • Perfect Checkout Experience: Creating customer-oriented checkout system outlay and design. Stripe gives you a pre-built payment form that can be made to align with customer requirements.
  • In-Person Payments: Stripe gives you the option to accept in-person payments with the help of Stripe Terminal.
  • Acceptance of all Payment Modes: All kinds of credit cards and debit cards are accepted. Users can pay using different digital wallets like Apple Pay, Google Pay, Amazon Pay, etc. Flexible options like buy now, and pay later are also available.
  • Well-Integrated Mobile Workflow: Accept payments on the run with Stripe Dashboard App. You can also create your application with the help of Stripe API.

WooCommerce Payments Vs Stripe – A Comparison

FeatureWooCommerce PaymentsStripe
Online Transaction Fees2.9%+$0.30 per transaction2.9%+$0.30 per transaction
In-Person Transaction Fees2.6%+$0.10 per transaction2.7%+ $0.05 per transaction
International Fees+1%+1%
Availability38 Countries46 countries
In-Person Payment AvailabilityUS and Canada Only8 countries
Currency Acceptability135+ countries135+ countries
IntegrationCan be integrated along with WooCommerce SetupVia Plugin

WooCommerce Payments Vs Stripe: Which is Best for Your Store?

This blog aims to help you pick the right one for your e-commerce store. Let’s get into the comparison in detail:

Integration and Setup

The easier the setup and integration, the more takers there will be.

The Stripe plugin is easier to integrate, with any kind of e-commerce platform and the API provided helps developers with extensive customization according to the business requirements. As mentioned these customizations can be done only by someone who has developer know-how.

WooCommerce Payments are easily integrated into your WooCommerce platform and WordPress site. You require no coding understanding to integrate WooCommerce Payments.

Hence, if you are a WooCommerce store owner and have little technical understanding, then you should go for WooCommerce Payments.

Charges

This can be a tricky feature to compare both of the payment gateways as there are only minor differences. For WooCommerce payments and Stripe, charges are different for different countries.

International fees are the same for both but Stripe offers better conversion rates. For cards issued out of the US, WooCommerce Payments charges 1.50% and Stripe charges just 1%.

You can choose either of them as there are no major advantages to taking one over the other.

Speed

Getting funds into your account after the customer has made a payment is crucial. Both WooCommerce Payments and Stripe have pending transaction periods—this refers to the time between a customer’s payment and when the funds appear in the business account

The difference comes between the two in terms of instant deposit speed.

WooCommerce Payments are known to be processed instantaneously if the payment criteria are met. It doesn’t matter whether the payment is made on bank holidays but this is only reserved for US-based geographical locations.

Stripe, on the other hand, processes payments a tad bit slower than that of WooCommerce Payments. But, Stripe provides the deposit speed not just for US-based businesses but also for locations like Canada, Singapore, and the UK.

If you are a US-based WooCommerce business, then your best option is WooCommerce Payments. If you are a business in other locations, then Stripe should be your choice.

Geographical Location

As seen above in the table, WooCommerce Payments have more limitations in accessibility when compared to Stripe.

Physical store payments from WooCommerce work only in the US and Canada while Stripe is expanding rapidly from 8 countries.

If you’re building a globally accepted store and struggling to choose between WooCommerce Payments and Stripe, opt for Stripe

Dashboard and UX

Just like how the integration of WooCommerce Payments is easier. The same applies to the usage of the plugin as it seamlessly complies with the layout of WooCommerce and WordPress.

Stripe, has a standalone dashboard that can integrated with any e-commerce platform. The dashboard structure of Stripe promotes a good user experience as it provides every piece of information that the business needs concerning payments.

Security and Fraud Protection

When it comes to payment gateways, the main feature that makes a solution stand out is how stringent they can get with security and fraud protection.

In the case of WooCommerce Payments Vs Stripe, WooCommerce Payments come with PCI compliance, Automated Fraud Detection, Two-Factor Authentication, etc.

Stripe provides with AI-drivern radar system for fraud detection, PCI Level 1 compliance, Customizable Risk Settings, etc.

If your business transacts globally, then the ideal choice will be to have Stripe as your payment gateway. If your store is local and on the WooCommerce platform, WooCommerce Payments can be a better choice.

Conclusion

WooCommerce Payments and Stripe are both noteworthy payment gateways for your WooCommerce store. Both have different features and you choose the one that best aligns with your needs. Summing up WooCommerce Payments Vs Stripe:

Choose WooCommerce Payments if:

  • You want a simple, integrated payment solution with no extra plugins.
  • You need instant payouts in the US.
  • You only sell via WooCommerce and prefer a unified dashboard.

Choose Stripe if:

  • You need advanced fraud protection, better international rates, and more payment options.
  • You process large transaction volumes and want custom API solutions.
  • You operate globally and need faster payouts outside the US.


Hope this blog was able to give you a good understanding of WooCommerce Payments Vs Stripe and reflect rightfully on your choices.

FAQs

  1. What are the key differences between WooCommerce Payments Vs Stripe?

Stripe and WooCommerce Payments are two key payment gateways. When deciding which is best for your business, you need to consider the integrations, features, and international availability that matter most to your needs.

  1. Which is better for an international WooCommerce store – WooCommerce Payments or Stripe?

If you are building a store with global acceptance, use Stripe, not WooCommerce Payments.

  1. Does WooCommerce Payments or Stripe offer faster payouts?

WooCommerce Payments provides instant deposits for eligible US-based businesses, while Stripe has a slightly longer processing time but supports fast payouts in multiple countries like Canada, the UK, and Singapore.

  1. Are the transaction fees different between WooCommerce Payments Vs Stripe?

WooCommerce Payments and Stripe both charge 2.9% plus $0.30 per online transaction. However, they differ in their fees for international transactions. WooCommerce Payments charges 1.5% for non-US cards, while Stripe only charges 1%.

  1. Which payment gateway is easier to integrate with WooCommerce?

WooCommerce Payments is simpler to configure because it’s built into WooCommerce, while Stripe, which needs a plugin, is more adaptable for developers.

Further Reading