PayPal and Stripe terminations share some common characteristics but differ in ways that affect how merchants should respond. Both platforms use automated risk monitoring and both apply acceptable use policies that exclude high risk categories. The primary difference is in the nature of the two platforms and the depth of integration typical for each. Stripe is primarily a developer-focused payment infrastructure platform, and merchants that use Stripe have often integrated it throughout their checkout flow at the API level. A Stripe termination therefore affects not just payment acceptance but the entire checkout integration that the merchant's development team built around the platform.
PayPal is both a payment processor and a consumer-facing wallet platform, and many merchants use it as one payment option among several rather than as the sole payment infrastructure. A PayPal ban may therefore affect one payment channel without eliminating all payment acceptance, depending on how the merchant's checkout is structured. In both cases, 27 Blockchain's approach to providing replacement payment processing is the same: build a cryptocurrency payment gateway configured to the merchant's existing checkout environment, without involving the terminated platform in any part of the new payment flow. Merchants who have been dropped by both PayPal and Stripe, which is not uncommon for businesses in high risk categories, can deploy a single 27 Blockchain integration that serves as the primary payment infrastructure for both replacements simultaneously.
