PayPal Credit vs StoneCo
PayPal Credit vs StoneCo, compared side by side on 15 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: PayPal Credit is on 43/100 and StoneCo on 67/100.
Where each one leads
PayPal Credit
- agent readiness: 57/100 against 21/100
- domain rating: 95/100 against 53/100
StoneCo
- our overall score: 67/100 against 43/100
- funding raised: $1.5B against $1.3M
At a glance
| Measure | PayPal Credit | StoneCo |
|---|---|---|
| What it is | A digital credit solution offering flexible payment options for online purchases. | Brazilian fintech providing integrated financial and software solutions for merchants of all sizes. |
| Category | Fintech, Payments, Digital Payments, Lending | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2C | B2B |
| Offering | Platform | Platform |
| Founded | 2009 | 2012 |
| Headquarters | San Jose, United States | São Paulo, Brazil |
| Status | Inactive | Active |
Size, funding and growth
| Measure | PayPal Credit | StoneCo |
|---|---|---|
| Employees | Not published | 13,867 |
| Headcount growthLast 12 months | Not published | +3.3% |
| Total funding | $1.3M | $1.5B |
| Latest round | Not published | IPO |
| LinkedIn followers | Not published | 2,482,372 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | PayPal Credit | StoneCo |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 43/100 | 67/100 |
| Traction | 31/100 | 60/100 |
| Team | Not published | 60/100 |
| Community | Not published | 8/100 |
| Search visibility | 12/100 | 35/100 |
| Quality | 60/100 | 78/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (57/100) | F (21/100) |
| Domain ratingLink authority, 0-100 | 95/100 | 53/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | PayPal Credit | StoneCo |
|---|---|---|
| Hosting | Not detected | AWS |
| Frameworks | Tailwind CSS, Bootstrap | Not detected |
| Payments | PayPal | Not detected |
What users say
| Measure | PayPal Credit | StoneCo |
|---|---|---|
| Reddit sentimentThreads we track | 1 positive, 4 negative across 6 threads | 1 positive, 3 negative across 4 threads |
“For context I have six cards: Apple Card, discover it, Amex gold, chase freedom flex, chase Amazon prime visa, and the PayPal card $0 annual fee with 2% cash back everywhere AND 3% cash back when you use PayPal. I use the Apple Card as my d”r/CreditCards
“StoneCo is a fairly dope SA fintech company with quality financials yet rapidly increasing short interest. The dumb fucks who think they can chip away at this little gem deserve to be eaten alive by the intrepid marketeers going in on share”r/wallstreetbets
PayPal Credit vs StoneCo: common questions
Which is better, PayPal Credit or StoneCo?
On our 0-100 score StoneCo rates higher (67/100 against 43/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 15 data points above: read the rows that match what you are buying for.
How do PayPal Credit and StoneCo compare on the numbers?
PayPal Credit leads on agent readiness (57/100 against 21/100), domain rating (95/100 against 53/100). StoneCo leads on our overall score (67/100 against 43/100), funding raised ($1.5B against $1.3M).
What do real users say about PayPal Credit and StoneCo?
PayPal Credit: 1 positive and 4 negative mentions across 6 Reddit threads we track, mostly in r/CreditCards. StoneCo: 1 positive and 3 negative mentions across 4 Reddit threads we track, mostly in r/wallstreetbets.
Read the full PayPal Credit review and pricing or the StoneCo review and pricing. You can also browse other PayPal Credit alternatives we track.