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Stripe, Redsys or PayPal: which gateway to choose for a Spanish store

There is no perfect gateway, only combinations that cover your customers. We help you decide which ones to offer and what for.

Jesús Meilán
Updated: 26/09/2026 144
Stripe, Redsys or PayPal: which gateway to choose for a Spanish store
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Most Spanish stores end up offering two or three gateways. The question is which ones and for which cases.

Redsys

  • The Spanish banks’ virtual POS: you sign up for it through your bank.
  • Cards and, depending on the contract, Bizum.
  • Fees negotiable with the bank, often competitive if you have volume.
  • Payment usually on the Redsys page; supports recurring payments with the right configuration.

Stripe

  • Quick sign-up and a very complete dashboard.
  • Cards, Apple Pay, Google Pay, SEPA and other European methods.
  • A very good foundation for subscriptions and recurring billing.
  • Forms embedded in the store without card details passing through your server.

PayPal

  • Buyer trust, especially with new customers and international sales.
  • Payment without entering a card.
  • Subscriptions are possible, but with its own system, separate from your store’s.

How to decide

If…Consider
You sell mainly in Spain by cardRedsys (card + Bizum)
You sell subscriptionsStripe and/or SEPA
You sell to other countries or to new customers who do not know youPayPal as well as card
You sell to businessesBank transfer and SEPA direct debit
Two modules for the same gateway: having the official Stripe module and another Stripe module installed at the same time can cause conflicts, because each one loads its own version of the library. And the customer may end up paying through the wrong one. Use only one per gateway.

Fees change often and depend on your volume: always ask for the current terms before deciding.

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