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[TOP] 25 Online Payment Alternatives to PayPal

[TOP] 25 Online Payment Alternatives to PayPal

Whether you’re a SaaS company, e-commerce store, small business owner, online merchant, or freelancer, payment processing can be a huge headache. Most of us simply default to PayPal.

Afterall, it’s trusted, used by millions, and is incredibly easy to integrate both onsite and with invoices.

However, PayPal comes with its own set of headaches: expensive fees, minimal e-commerce customization (except at checkout), the power to freeze your account, and zero access for merchants and clients in a host of countries.

If you’re fed up with PayPal, or just looking for an alternative that better suits your business needs, here are the top 25 online payment alternatives to PayPal in no particular order.

[TOP] 25 Online Payment Alternatives to PayPal

For online and in-person payments, Apple Pay stores your credit and debit cards so that you can make purchases simply by holding your thumb on the phone’s Touch ID sensor. It’s a secure and convenient way to ease the purchase process.

For business owners, if you’re already accepting payments from major credit cards like Visa and Mastercard, you can start accepting Apple Pay without any additional fees and they have an expansive list of apps with integration already set up.

Due is a relative newcomer that has been gaining traction thanks to its innovative time tracking invoicing features. With, freelancers and business owners can link invoices to payment options and have funds deposited directly into their bank accounts, as well as accept international payments from major credit card companies. Due also integrates with Paypal, so if you just want to get your invoices paid on-time, they can help. Best of all? Everything is free.

Similar to Apple, Google also allows you to store credit and debit cards into a digital wallet. Although (to be fair) Google was doing this even before Apple got into the game. One of the best features that Google Wallet offers is that you can safely and quickly send money to, or request money from anyone in the U.S. with an email address (just like PayPal). But with Google, the transfers are free and integrates with all of your other Google products.

Payoneer is an award-winning solution that has become incredibly popular with freelancers, e-commerce sites, and affiliate marketers. With Payoneer you can send mass payouts to more than 200 countries, in over 150 currencies, and add the payment to either your bank account or Payoneer Prepaid Mastercard. This means if your struggle is accepting or sending payments internationally, Payoneer is a far better solution than PayPal. Just be aware that there is a $29.95 annual fee.

Unlike the other selections on this list, WePay was designed specifically for a host of online platforms. For example, you can create a customized platform for your crowdfunding campaign, online marketplace, or small business that will allow you to accept payments from across the world.

WePay is also known for their outstanding fraud protection. However, do expect to be charged fees per transaction: 2.9 percent + $0.30 for credit cards, and one percent + $0.30 for bank payments.

Skrill, formerly Moneybookers, is another popular PayPal alternative thanks to features like prepaid debit cards, low fees (transfers at one percent and limited to 10 euros max), wide international support in more than 200 countries, and the ability to send text messages directly from your account. Most importantly, though, is that Skrill allows instant withdrawal into the bank account of the recipient.

Yes … instant withdrawal.

Dwolla is a secure alternative that has pretty much the same features as PayPal. However, what makes Dwolla truly unique is that if both parties have a Dwolla account you can send or request money through their name, email address, phone number, Facebook ID, Twitter handle, or LinkedIn profile.

Think of Dwolla as the relational version of PayPal. If transactions are more than $10 you’ll have to pay 25 cents per transaction.

2Checkout gives you the ability to accept credit cards, debit cards, and PayPal payments in 87 different currencies. But, the platform also integrates with some of the most popular shopping cart and invoicing solutions which makes it one of the more appealing options for merchants. In the US 2Checkout charges 2.9 percent + $0.30 per transaction.

Merchants and small business owners, and even freelancers or bloggers, can use Selz to start selling their products (specifically digital products) and accept payments onto any website, WordPress blog, or Facebook page. Selz is easy to setup and use, and charges a commission of percent + $0.25.

Merchant Inc. markets itself as a top “PayPal alternative.” And, for online business owners, it may be difficult to challenge that claim. Merchant Inc. allows you to accept payments that are directly deposited into your bank account. It also provides a free virtual terminal, shopping cart, software, and reporting. On top of that, it’s one of the few payment processors that prides itself on comprehensive eBay integration. Merchant Inc. charges a 1.99 percent + $0.25 per transaction fee.

With Stripe, you can create customizable buy buttons thanks to its API and accept payment methods from Visa, MasterCard, American Express, and JCB. Stripe also accepts over 100 different currencies and lets you withdraw funds from your bank account. Stripe is one of the more e-commerce friendly tools, offering JavaScript and native libraries for both website and app integration. Lastly, Stripe charges 2.9 percent + $0.30 per transaction.

Thanks to Square, business owners – who couldn’t accept credit cards in the past – can now create their own POS anywhere. The hardware is free and hooks up to both Android and iOS devices. Payments are deposited directly into your linked bank account. This convenience, of course, comes at a cost: Square charges 2.75 percent per swipe. The company has expanded to include payments from Apple Pay and an invoicing feature so that you can bill and receive payments from customers.

If you’re an e-commerce site there may be no better substitution for PayPal than Amazon. Here’s how it works: when people go to check out on your site, they’re presented with the option to login and pay through their Amazon account. This is a phenomenal alternative to traditional “Create an account” options that are notorious conversion killers in e-commerce. It’s secure, easy-to setup, and comes with additional features like automatic payments. Pricing is 2.9 percent + $0.30. is another popular PayPal alternative. Why? Because it’s also one of the oldest, having been around since 1996. Whether you’re online, mobile, or in a brick-and-mortar location, allows you to deposit money directly into merchant bank accounts from all major credit cards, PayPal, and Apple Pay. also works with more than 400,000 merchants and has been awarded the Achievement in Customer Excellence (ACE) award from 2008 to 2015.

ProPay is an easy-to-use PayPal alternative that gives you the ability to accept payments from anywhere in the world. It’s also approved by eBay and has a useful mobile phone credit card reader called ProPay JAK. Funds can be withdrawn from a ProPay Prepaid MasterCard or can be transferred directly to a checking account in the States. ProPay has a low annual fee and no gateway charges or minimum monthly purchases.

Braintree accepts a variety payments ranging from Credit Cards to Apple Pay to Bitcoin to PayPal (Braintree was acquired by PayPal, so that makes sense) with just “One Touch” as long as you have a merchant account. It’s available in more than 130 different currencies and can be customized with a little bit of programming skills to meet the needs your business. Braintree can also be used to setup recurring billing and store credit cards.

One of the perks of Click2Sell is that you can accept credit cards, PayPal, Google Checkout, and Skrill payments without having to create a merchant account. You’ll also have access to sales reports so that you gain a competitive edge as a vendor. Fees vary depending on how much you sell, but it starts at $1 and goes up to $20. Click2Sell also hosts a powerful affiliate program.

Much like PayPal, you can use Payza to send or request money across the world. However, it’s accepted in more than 190 countries and supports 21 different currencies, so it’s a popular option for individuals or businesses that do a lot of global marketing.

The SimplySendBD feature makes sending money to your home country a whole lot easier. Payza also offers favorable fees to send money and a fair 2.5 percent + $0.25 when receiving funds.

If you’re not an Apple user, don’t worry. Samsung has introduced Samsung Pay, which essentially has the same features as Apple Pay. Just input your credit or debit card information and store it for paying or receiving payments via Samsung Galaxy devices.

For large transactions, using is probably the safest and best decision. Escrow is just what it says: an escrow service.

In a nutshell, the company is a third party who won’t release the funds until after both parties agree on the sale. Again, this isn’t the best option if you make a lot of transactions, the fees can get pricey But, if you’re selling big-ticket items like a website or a vehicle, it’s a great service.

Whether you’re selling physical goods or digital products, BlueSnap is a solid option for online merchants that gives you the power to either select a “buy now” model like iTunes or shopping cart model similar to Amazon.

It also comes equipped with e-commerce tools, subscription billing, analytics reports, and supports 180 countries. BlueSnap charges 2.9 percent + $0.30 per transaction.

If you’re a small business owner already using QuickBooks for accounting and bookkeeping, then why not tap into Intuit’s Payment Network? With the Intuit Payment Network you can add a payment button to your website, send payment requirements to customer’s emails, and transfer money between bank accounts for a flat 50-cent fee. If you paid by credit card, you’ll be charged 3.25 percent per transaction.

Hyperwallet is another new kid in town who recently received the “Best Corporate/Government Payments Programme for 2015” at the Emerging Payments Awards. Used primarily for worker payouts, Hyperwallet lets businesses distribute funds across 170+ countries in more than 150 currencies.

There are also flexible payment options which includes local bank deposits, custom checks, branded prepaid and virtual cards, international wire transfers, cash pick-up services, and the ability to pay to an existing card.

Paymate enables you to accept payments and deposits into your bank without having to use a payment gateway. It’s eBay approved and is supported by 60 countries so that you accept Australian Dollars, New Zealand Dollars, US Dollars, Euros and British Pounds.

The catch is that Paymate is only available in Australia, New Zealand, and the US.

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