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Comment by numair | Hacker News Reader

> Paypal's inclusion of fraud prevention makes it about 50% cheaper than Stripe with Radar.

The money quote. (No pun intended!) I doubt this article will stay on the front page for very long, because HN seems to have a difficult time with content that is critical of one of Y Combinator's biggest portfolio positions.

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This isn't quite accurate. Stripe Radar (our fraud prevention tool) is included free of charge for all accounts with standard pricing: https://stripe.com/radar/pricing.

Don't know about the rest of HN, I have a hard time with content praising PayPal, considering things like

https://news.ycombinator.com/item?id=33062320

I think this article is equally critical of both companies. Which is quite remarkable given the narrative that was popular a few years ago. We've gone from an obvious winner to a dead heat. Goes to show: if you've got perfect competition, just wait a while...

Paypal is also completely unusable for companies that are based in country with different currency than they do bussiness in. If for example you are swiss (CHF) and do online bussiness in USD or EUR. Once you want to transfer the money to your company bank account it can be account only in CHF and Paypal will insist on doing the conversion with their very “friendly” exchange rate. Basically taking another ~5% making them much more expensive than the rest.

I get around this by cashing out the original currency to Wise and then doing the conversion at much friendlier rates using them.

Interesting Paypal didn't allow me to do this because the bank (Wises bank was in different country than my country (which is true). It required bank in my nation.

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