Architecture comparison

PayPal vs Stripe

Stripe runs closer to the foundational model (Native (own / self-hosted weights)) than PayPal (Off the LLM map (in-house non-LLM ML)). No shared foundational model — different bets.

PayPal

FinTech

Proximity

Off the LLM map (in-house non-LLM ML)

Models

—

Cloud · datastore

HybridOracleown

Compliance

SOC 2PCI DSS

Architecture

Massive in-house fraud/risk ML on its own infrastructure; off the LLM map at the core.

Stripe

FinTech

Proximity

Native (own / self-hosted weights)

Models

proprietary / self-built models

Cloud · datastore

AWSMongoDBcustom sharded DB (DocDB)

Compliance

SOC 2PCI DSS Level 1HIPAA

Architecture

AWS-based payments platform built on a large MongoDB deployment fronted by an in-house sharding/transaction layer (DocDB). Radar fraud detection is in-house ML; a payments foundation model was trained on transaction data.

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