A Comprehensive Comparison of Woo Payments vs Stripe for E-Commerce

When it comes to managing payments in the world of e-commerce, choosing the right payment gateway is crucial for the success of your online business. WooCommerce, a popular e-commerce plugin for WordPress, offers its native payment solution called Woo Payments, while Stripe is a third-party payment gateway widely used by online businesses globally. In this article, we will delve into a detailed comparison of Woo Payments vs Stripe to help you make an informed decision for your online store.


Woo Payments vs Stripe

WooPayments is the native payment solution designed specifically for WooCommerce, the popular e-commerce plugin for WordPress. Developed by Automattic, the same company behind WordPress.com, WooCommerce Payments seamlessly integrates with WordPress websites, offering users a convenient and straightforward way to manage online transactions.

Key Features

  • Native Integration
  • Simplified Setup
  • Transparent Pricing
  • Secure Transactions
  • Automatic Payouts
  • Support for Digital Wallets



Stripe, founded in 2010, has become a global leader in online payment processing. As a third-party payment gateway, Stripe offers a versatile platform that can be integrated with various e-commerce platforms, including WooCommerce. Known for its developer-friendly approach and extensive global reach, Stripe provides businesses with the tools to accept payments seamlessly and securely.

Key Feature

  • Developer-Friendly Platform
  • Global Reach
  • Diverse Payment Methods
  • Security Measures
  • Customizable Checkout Experience
  • Subscription and Recurring Payments

Ease of Integration


WooPayments is seamlessly integrated with the WooCommerce plugin. This means that setting up WooPayments on your WordPress site is a straightforward process. As it is a native solution, there is no need for third-party plugins or additional configurations.


Stripe is also known for its user-friendly integration process. It offers plugins for various e-commerce platforms, including WooCommerce. The Stripe plugin for WooCommerce can be easily installed, and the setup involves creating a Stripe account and connecting it to your store.

Supported Payment Methods


WooCommerce Payments supports major credit and debit cards. It also allows customers to make payments via Apple Pay and Google Pay. However, the range of supported payment methods might be limited compared to third-party gateways.


Stripe supports a wide array of payment methods, including credit and debit cards, digital wallets (e.g., Apple Pay, Google Pay), and local payment methods. This flexibility can be advantageous if you have a diverse customer base with varied payment preferences.

Transaction Fees


WooCommerce Payments has transparent pricing with no setup fees. Transaction fees depend on your location and the customer’s payment method. In some regions, there might be fixed fees per transaction along with a percentage of the transaction amount.


Stripe also charges transaction fees, typically consisting of a fixed percentage and a per-transaction fee. However, Stripe’s fees may vary based on factors such as the country, the type of transaction, and the payment method used.



WooCommerce Payments provides automatic payouts, typically on a two-day rolling basis. This means that you receive funds from your sales in your bank account every two days.


With Stripe, the payout schedule can be customized based on your preferences. Payouts can be set to daily, weekly, or monthly, giving you more control over your cash flow.



As a native solution for WooCommerce, WooCommerce Payments adheres to industry-standard security practices. It is PCI DSS compliant, ensuring that customer payment information is handled securely.


Stripe is renowned for its robust security measures. It is also PCI DSS compliant and employs advanced fraud prevention tools to safeguard transactions. Stripe’s reputation for security is one of the reasons why many businesses trust it with their payment processing.

Woo Payments vs Stripe: Overview of Fees

Let’s start by examining the fee structures of WooPayments and Stripe, which play a crucial role in the decision-making process for merchants.

Fee CategoryWooPaymentsStripe
Credit card2.9% + $0.30 USD (U.S. cards) +1.50% (non-U.S.)2.9% + 30¢ (+0.5% for manual entry, from Nov ’22)
In-person sale2.6% + $0.10 (US) +1% (international)2.7% + 5¢
Currency conversion+2%+2%
Dispute fee$15$15

What’s Better: WooPayments or Stripe?

To facilitate a clear comparison, let’s evaluate key factors that can influence your decision:

Cost Comparison

  • In-person sales: WooCommerce charges 2.6% + $0.10 USD, while Stripe has a flat rate of 2.7% + 5¢.
  • Dispute charge: Both services levy a $15 fee for disputes.
  • Card payments: Both platforms charge 2.9% + $0.30 USD, with Stripe introducing a 0.5% fee increase for manual card entry from November 2022.
  • Currency conversion: Both services apply a 2% fee.
  • International card transactions: WooCommerce charges 1.50% for non-U.S. cards, while Stripe charges 1%.

In summary, costs are comparable, but Stripe may be more cost-effective for international transactions, while WooCommerce Payments could be advantageous for manual card information entry.

WooPayments vs Stripe: Best Features

Speed Offers standard transactions.
Instant Deposit service available for expedited funds transfer.
Provides Instant Payouts, funds within 30 minutes (available in select countries).
Availability Available in several countries, including the U.S., UK, Canada, and more.Widely available, covering a vast range of countries, suitable for global businesses.
Supported Currencies Supports 100+ currencies.Supports 135+ currencies, making it more versatile for international transactions.
Customer Service Offers FAQ, community forum, contact form, and a WooExpert program for expert assistance.Provides extensive documentation, developer chat on Discord, and 24/7 contact support.


What is WooPayments, and how does it differ from Stripe?

WooPayments is a native payment solution designed for WooCommerce, a popular e-commerce plugin for WordPress. In contrast, Stripe is a third-party payment gateway widely used for online transactions. WooPayments is integrated directly into WooCommerce, offering a seamless experience within the WordPress ecosystem, while Stripe is known for its versatility and can be integrated with various e-commerce platforms.

What are the key features of WooPayments that make it unique?

WooPayments boasts native integration with WooCommerce, ensuring compatibility and minimizing the need for additional plugins. It offers a simplified setup within the WooCommerce settings, transparent pricing, secure transactions adhering to industry standards, automatic payouts, and support for digital wallets.

How does Stripe stand out in terms of global reach and currency support?

Stripe supports transactions in over 135 currencies, making it suitable for businesses with a global audience. Its extensive availability in numerous countries allows businesses to expand seamlessly into international markets. WooPayments, while effective, may have geographical limitations depending on your business’s location.

Can both WooPayments and Stripe accommodate different payment methods?

Yes, both WooPayments and Stripe are versatile in supporting various payment methods. WooPayments integrates seamlessly with WooCommerce, supporting traditional credit and debit cards, along with digital wallets like Apple Pay and Google Pay. Stripe, known for its flexibility, supports a wide range of payment methods, including cards, digital wallets, and various local payment methods.

How do WooPayments and Stripe prioritize security for online transactions?

WooPayments, being part of the WooCommerce ecosystem, adheres to industry-standard security practices and is PCI DSS compliant, ensuring the secure handling of customer payment information. Similarly, Stripe prioritizes security with PCI DSS compliance and employs advanced fraud prevention tools to enhance transaction security.


When comparing WooCommerce Payments and Stripe, businesses need to consider factors such as integration ease, cost, supported features, and their target audience. WooCommerce Payments, being native to WooCommerce, offers simplicity and a direct integration path for WordPress users. On the other hand, Stripe provides a broader scope, catering to businesses with diverse needs and international ambitions.

Ultimately, the choice between WooCommerce Payments and Stripe depends on the specific requirements and preferences of the business. Whether integrated within the WordPress ecosystem or as a standalone solution, both WooCommerce and Stripe contribute significantly to the ever-evolving landscape of e-commerce, empowering businesses to thrive in the digital marketplace.

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