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2checkout vs Stripe: What are the differences?

Introduction:

Here, we will discuss the key differences between 2checkout and Stripe payment gateways. Both platforms offer online payment processing services but have distinct features and functionalities. The following paragraphs highlight the specific differences between these two platforms.

  1. Ease of Integration: 2checkout provides a simplified integration process where developers can easily integrate their systems with the payment gateway. On the other hand, Stripe offers a more comprehensive integration process with robust developer documentation and resources, allowing for greater customization and control over the payment experience.

  2. Supported Payment Methods: 2checkout supports a wide range of payment methods, including credit cards, PayPal, Apple Pay, and international cards, making it suitable for international businesses. Stripe, on the other hand, also supports multiple payment methods but requires additional extensions or integrations for certain payment options like PayPal.

  3. International Expansion: 2checkout is specifically designed for international expansion, offering support for multiple languages and currencies, along with localized payment options. Stripe, although capable of international transactions, may require additional setup and integrations to cater to specific countries or regions.

  4. Payment Security: Both 2checkout and Stripe are PCI Level 1-compliant, ensuring that customer payment information is securely handled. However, Stripe offers an additional layer of security with its built-in fraud detection and prevention tools, providing merchants with enhanced protection against fraudulent activities.

  5. Pricing Structure: 2checkout utilizes a transaction-based pricing model, charging fees per successful transaction. Stripe, on the other hand, offers a more flexible pricing structure with customizable options that cater to different business needs. This flexibility allows for greater control over costs based on specific transaction volumes.

  6. Developer Community and Resources: Stripe has a larger developer community and offers extensive resources, including developer forums, comprehensive documentation, and libraries in multiple programming languages. This makes it easier for developers to find support and collaborate with others. While 2checkout does have developer resources, they may not be as extensive as Stripe's.

In summary, the key differences between 2checkout and Stripe lie in ease of integration, supported payment methods, international expansion capabilities, payment security features, pricing structures, and developer community resources. These differences allow businesses to choose the platform that best suits their specific requirements and objectives when it comes to online payment processing.

Decisions about 2checkout and Stripe
Lucas Litton
Founder & CEO at Macombey · | 4 upvotes · 284.5K views

We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.

We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.

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With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.

And having recently gone through implementing both Stripe and GoCardless to get monthly subscriptions set up and automated on my company website, I felt there was no better time to write this blog post!

If you're currently looking at working with a Payment Gateway provider API, or you're currently working with one but are not a fan, are looking to automate things a bit more, or are just generally thinking about changing, then you should have a read of my latest blog post where I compare Stripe and GoCardless.

I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).

There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:

  • API ease of use
  • API documentation
  • Payment pages
  • Costs / fees
  • Security
  • Developer appeal
  • Customer experience
  • Free Trial

So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!

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Stripe was made with developers in mind first so the extensibility of it is great! This makes it very easy for us to integrate and automate as much as we need with its APIs and SDK. It allows a lot of customization of exactly what we need to build our applications. They also manage all of our customers from a tax and accounting perspective which makes it easy from a business standpoint.

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Pros of 2checkout
Pros of Stripe
  • 1
    Lots of eCommerce options
  • 302
    Easy setup
  • 292
    Developer friendly
  • 248
    Well-designed api
  • 191
    Great documentation
  • 169
    Clear pricing
  • 75
    Secure
  • 74
    Reliable
  • 63
    Full integration with webhooks
  • 43
    Amazing api
  • 38
    Great customer support
  • 11
    Easy
  • 6
    Credit cards never hit your server - no pci worries
  • 5
    Recurring billing
  • 4
    No merchant account/gateway required
  • 3
    BitCoin
  • 3
    Easy to integrate
  • 2
    Support for SCA (Strong Customer Authentication)
  • 2
    Fast UI
  • 2
    Great app
  • 1
    Beautiful
  • 1
    Payments without own backend (using Stripe Products)
  • 1
    Connect
  • 1
    Checkout.js
  • 1
    Great UI
  • 1
    So easy to use

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Cons of 2checkout
Cons of Stripe
    Be the first to leave a con
    • 4
      Connect
    • 2
      CANNOT withdraw USD to a Canadian Bank Account
    • 2
      Does NOT have a currency conversion option like Paypal
    • 2
      They keep 25% of the income for 60 days

    Sign up to add or upvote consMake informed product decisions

    What is 2checkout?

    Accept payments online, anytime, anywhere. 2Checkout.com is an online payment processing service that helps you accept credit cards, PayPal, and debit cards.

    What is Stripe?

    Stripe makes it easy for developers to accept credit cards on the web.

    Need advice about which tool to choose?Ask the StackShare community!

    What companies use 2checkout?
    What companies use Stripe?
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    What tools integrate with 2checkout?
    What tools integrate with Stripe?

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    A platform that takes makes it incredibly simple to sell apps, games and other digital products.  We think that creators should be allowed to focus on building awesome products, so we handle all of the boring things like payments, analytics, customer support and VAT so that they can do just that. Using Paddle's software development kits, developers can easily set up trial versions, licensing mechanisms, in-app purchases and even track performance & usage with Paddle’s in-app analytics technology -- all under a single dashboard.
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    Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.
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