Feature/Aspect	PayPal	Stripe	Venmo	Square
Best For	Businesses and individuals needing a versatile payment platform	Online businesses needing customizable payment processing	Peer-to-peer payments for personal use	Small businesses needing an all-in-one solution
Transaction Fees (Domestic)	2.9% + $0.30 per transaction	2.9% + $0.30 per transaction	Free for personal payments (from bank accounts)	2.6% + $0.10 per transaction
International Fees	Additional 1.5% for international transactions	Additional 1% for international transactions	Not supported for international transactions	Additional 1% for international transactions
Currency Conversion Fees	3-4%	1%	N/A	1%
Integration	Easily integrates with e-commerce platforms, invoicing, and accounting software	Extensive API for custom integrations, popular with developers	Limited integrations, mostly for P2P payments	Integrates with e-commerce, POS systems, and accounting tools
Security Features	Two-factor authentication, encryption, buyer/seller protection	Two-factor authentication, encryption, fraud detection	Two-factor authentication, encryption	Two-factor authentication, encryption, fraud detection
Invoicing	Built-in invoicing, simple to use	Advanced invoicing with subscription billing	Not available	Built-in invoicing with customization options
Mobile App	User-friendly mobile app for personal and business use	Developer-focused mobile SDK, customizable	Simple and intuitive for personal payments	Robust mobile app with POS functionality
Payout Speed	1-3 business days, instant transfer for a fee	2 business days, instant payout option for a fee	Instant for linked bank accounts	1-2 business days, instant transfer for a fee
Global Reach	Available in over 200 countries, supports 25 currencies	Available in 47 countries, supports over 135 currencies	U.S. only	Available in several countries, primarily U.S.
Target Audience	Small to medium businesses, freelancers, personal use	Developers, tech-savvy businesses, SaaS companies	Personal users, casual payments among friends	Small to medium businesses, retail, and service industries
Customer Support	24/7 customer support, live chat, phone support	24/7 customer support, live chat, email support	Limited support, mostly through app	24/7 customer support, live chat, phone support
Customization	Limited customization options	Highly customizable through API	Minimal customization	Customizable through integration and POS options
User Experience	Easy to use for both personal and business transactions	More complex setup, requires technical knowledge	Very easy for personal transactions	User-friendly, especially for small businesses

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