QuickBooks and PayPal vs QuickBooks and Stripe

Which is better for freelancers and consultants in the UK? It depends on what you care about, so here are both answers and the arithmetic under them.

The short answer

QuickBooks and Stripe takes two of the four lenses to QuickBooks and PayPal's one, and one is too close to call. They rate within a point of each other on every measure, so the choice comes down to cost and to how each one feels to work in.

QuickBooks and PayPal
1 of 4 lenses
QuickBooks and Stripe
2 of 4 lenses
Which stack leads under each lens
If you care most aboutQuickBooks and PayPalQuickBooks and Stripe
Best all-rounderToo close to call, 2 apart (QuickBooks and Stripe is nominally ahead)7880
Best on a budgetQuickBooks and Stripe by 87280
Easiest to startQuickBooks and PayPal by 68680
Best as you growQuickBooks and Stripe by 57883

How they're built

QuickBooks and PayPal splits the work across QuickBooks Online and PayPal. QuickBooks and Stripe splits the work across QuickBooks Online and Stripe.

Which tool does each category in QuickBooks and PayPal and QuickBooks and Stripe
CategoryQuickBooks and PayPalQuickBooks and Stripe
Accounting
AccountingQuickBooks OnlineQuickBooks OnlineQuickBooks OnlineQuickBooks Online
Invoicing
InvoicingQuickBooks OnlineQuickBooks OnlineQuickBooks OnlineQuickBooks Online
Taking payments
Taking paymentsPayPalPayPalStripeStripe

Greyed-out rows use the same tool on both sides. A category is one job a stack has to do; a tool is one product you sign up for.

Where they differ

Biggest gap first. These ratings don't move between lenses — only how much they count does.

QuickBooks and PayPal and QuickBooks and Stripe compared on the measures they differ on
MeasureQuickBooks and PayPalQuickBooks and Stripe
Price to start1 step apart
Price to start1 step apartFair3 out of 5Good4 out of 5
Quick to set up1 step apart
Quick to set up1 step apartExcellent5 out of 5Good4 out of 5
Works with the rest1 step apart
Works with the rest1 step apartGood4 out of 5Excellent5 out of 5

They rate the same on Price as you grow, Easy day to day, Local fit, Help when stuck and Easy to leave.

What you'd live with

The price to actually launch, the catches that come with it, and what you give up by picking one over the other.

QuickBooks and PayPal

Familiar books and the payment button clients recognise. Little to set up on either side, and support you can phone.

What each tool costs

QuickBooks Online
£10/mo (Sole Trader Plus); £16/mo to submit VAT
PayPal
2.9% + £0.30 per payment, no monthly fee

Watch out for

The dearest way to get paid of the pairs here, and dearer still in the US and New Zealand.

Pick it if

Getting going this afternoon with tools your clients already use.

Momentum: Stable · Built from 2 tools · Checked Sep 18, 2026

All eight ratings for QuickBooks and PayPal

QuickBooks and Stripe

The books most accountants know, with low card fees. QuickBooks handles the accounts and invoices; Stripe takes the payments.

What each tool costs

QuickBooks Online
£10/mo (Sole Trader Plus); £16/mo to submit VAT
Stripe
1.5% + 20p per payment, no monthly fee

Watch out for

  • Takes a fee on every payment
  • Introductory price rises after the first months

Pick it if

Anyone whose accountant asked for QuickBooks.

Momentum: Stable · Built from 2 tools · Checked Sep 18, 2026

All eight ratings for QuickBooks and Stripe