2 providersAll prices in USD

Compare Marketplace Payments in the United States

Compare payment processing for Australian marketplaces and platforms: split payments, seller onboarding, escrow, and payout scheduling, side by side.

Browse all Marketplace Payments in our directory

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	Stripe	PayPal
	Visit Stripe	Visit PayPal

Ratings
	4.6Capterra (3,347)	4.6Capterra (26,446)
Platform Capabilities
	Automatic split payments via destination or separate charges	Split payments with seller onboarding
	Embedded KYC via Stripe Identity, hosted or custom	PayPal-hosted seller signup
	Delayed payouts and manual transfers	Delayed disbursement and auth then capture
	Daily, weekly, monthly or manual payouts	Scheduled and on-demand payouts (PayPal Payouts)
	135+ presentment currencies	100+ currencies
	Settle in 40+ currencies	20+ settlement currencies
	46+ countries	200+ markets
Pricing
	Flat rate	Flat rate
	Best1.7%	2.9%
	$0.30	$0.30
	Free	Free
	0.25% + $0.25 per payout (if you set pricing), $2 per active account	Partner can set fees via API
	No minimum	No minimum
Technical & Compliance
	Industry-leading docs with interactive examples	Comprehensive REST APIs
	✓	✓
	✓	✓
	Stripe-hosted or embedded onboarding	PayPal-hosted onboarding
	PCI DSS Level 1	PCI DSS Level 1
	Stripe Radar machine-learning fraud tools	Fraud Protection and Seller Protection
	No lock-in, pay as you go	No lock-in
	No AFSL (operates via banking partners)	PayPal Australia holds an AFSL

Estimates based on $15,000/mo volume. Rates can change without notice, confirm current pricing with the provider before signing on.

How we calculate this

Estimated cost: each provider’s published prices and rates applied to the inputs you set above (such as volume, team size, or invoices), plus any fixed monthly fees.
Providers with an incomplete cost (shown as “+ processing” or “+ payroll”) and quote-only providers are never ranked as the cheapest while a complete-cost option exists.
These are estimates. Published rates can change and your final pricing depends on your business, so confirm current pricing with the provider before switching.

Provider details

The top providers, expanded.

Same data as the table above, broken out per provider with the use cases each one fits best.

We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.

Stripe

Developer-first online payments with deep APIs, plus in-person processing through Stripe Terminal.

Est. cost

$345/mo

Best for

Online businesses, marketplaces, and SaaS companies that want the deepest payment APIs

In-person rate: —
Online rate: —
Monthly fee: Free
Contract: No lock-in, pay as you go

Visit StripeView full details

PayPal

Widely recognized online checkout plus in-person card acceptance through PayPal Zettle, with built-in Venmo.

Est. cost

$525/mo

Best for

US online businesses that want a trusted, high-conversion checkout, with optional in-person card acceptance through PayPal Zettle

In-person rate: —
Online rate: —
Monthly fee: Free
Contract: No lock-in

Visit PayPalView full details

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