Why you should choose Stripe and PayPal in 2026
In 2026 the e‑commerce market is growing about 12 % per year, and consumers increasingly expect fast and secure payment methods. Stripe and PayPal are leaders in availability, multi‑currency support and automatic fraud detection. According to the eCommerce 2025 report, stores that offer both see about 2.5‑3 % higher conversion than those with a single payment method.
Step‑by‑step: setting up Stripe in a Proofsite store
Proofsite prepares an online store starting at A$3,449 – up to 50 products, its own CMS and full payment integration. Here are the key steps:
- Step 1 – register a Stripe account: Go to stripe.com, provide your business details and bank account number. Verification usually takes 24‑48 h.
- Step 2 – obtain API keys: After logging in, go to the “Developers → API keys” tab. Copy the Publishable key and Secret key.
- Step 3 – insert keys in the Proofsite panel: In the store admin panel you’ll find the “Payments → Stripe” section. Paste both keys and select the “Live” mode.
- Step 4 – test the transaction: Proofsite provides a test mode with card 4242 4242 4242 4242. Place an order, check that the payment goes through and that the order is automatically marked as paid.
- Step 5 – launch: After a successful test, turn off test mode. Your customers can now pay with credit cards, debit cards, and Apple Pay/Google Pay.
Step‑by‑step: setting up PayPal in a Proofsite store
PayPal supports both card payments and PayPal accounts. Integration in Proofsite works similarly:
- Step 1 – create a Business account: Go to paypal.com, select “Business” and provide your business details. After verification (usually 1‑2 days) you’ll get access to the dashboard.
- Step 2 – get the Client ID and Secret: In the “My Apps & Credentials” section create an app and copy the identifiers.
- Step 3 – insert data in Proofsite: In the store panel choose “Payments → PayPal”, paste the Client ID and Secret, and check “Activate”.
- Step 4 – sandbox test: PayPal offers a sandbox environment. Use a test account (e.g., buyer@paypal.com) and verify the order goes through.
- Step 5 – go live: After a successful test switch the mode to “Live”. Customers will see the PayPal button at checkout.
Costs and fees – what you really pay
It's good to know the real costs so you aren't surprised by bills at the end of the month.
- Stripe: 1.99 % + a small fixed fee per domestic card transaction, 2.49 % + a small fixed fee per foreign card transaction.
- PayPal: 2.49 % + a modest fixed charge per domestic payment, 3.49 % + a modest fixed charge per foreign payment.
- Example: A store with 100 products, average price a typical amount, monthly turnover a sizable turnover (250 transactions). With 70 % card payments (Stripe) and 30 % PayPal, monthly costs are about a moderate cost.
- Proofsite doesn’t charge extra integration fees – for A$3,449 you get a ready system, hosting, domain and SSL certificate for the first year.
Transaction security and compliance with privacy law (GDPR / Privacy Act)
Both solutions meet PCI‑DSS requirements and provide card data tokenisation, meaning you don’t store sensitive card numbers in your store. Proofsite automatically configures HTTPS and a privacy policy compliant with privacy law (GDPR / Privacy Act), and all customer data is encrypted.
How Proofsite makes payment integration easier
When you choose the online store 2026 from Proofsite, you get:
- Full Stripe / PayPal integration in the admin panel – no coding required.
- 24/7 technical support during the first 30 days after launch.
- Money‑back guarantee within 30 days if the store doesn’t meet your expectations.
- Option to expand after the first year – add more products, integrate with couriers and ERP systems.
In practice, this means that after an order is placed, Proofsite handles everything from server setup to payment testing, and you can focus on sales and marketing.
Frequently asked questions
Can I add more payment methods later, e.g., BLIK?
Yes, in the Proofsite panel you can activate additional gateways at any time, including BLIK, with no extra setup fees.
How long does verification of Stripe and PayPal accounts take?
Stripe usually verifies within 24‑48 h, and PayPal – 1‑2 business days, provided you supply correct business details.
Are Stripe and PayPal fees fixed, or can they change?
Fees listed are current for 2026; any changes are announced publicly by the providers and won’t affect costs of transactions already processed.