I looked at stripe years back when it was first trending and getting a lot of buzz and even then it looked to me like it was way too complex when compared to what I was doing with PayPal, which is simply setting up an account for new users or updating the timestamp for user renewals, and adding a PayPal button for their use on documents they create with the apps.

I've heard a lot of complaints about PayPal over the years but I've never had a problem with them. But I have seen a lot of complaints about Stripe the past couple years now, so you're certainly not alone trying to figure what they need from you.