The world has moved fast from normal banks to online payments, which is why e-wallets like PayPal are at the forefront. You can enjoy secure and speedy payments with e-wallets.
Although PayPal is used by almost 400 million people worldwide, many people still look for alternatives because they need lower fees, better customer service, seller protection, and faster withdrawals. To aid you with this, we have compiled 15 top alternatives to PayPal.
Top 15 Best PayPal Alternatives
- GooglePay – Best Alternative for Businesses
- Skrill – Best Alternative for Customer Support
- Payoneer – Best Alternative for International Transaction
- WePay – Best Alternative for Integrated Payments
- Authorize.net – Best Alternative for Small Businesses
- 2CheckOut – Best Alternative for Global Markets
- ProPay – Best Alternative for SaaS Platforms
- Braintree – Best Alternative for Checkout Experience
- Venmo – Best Alternative for Everyday Use
- BlueSnap – Best Alternative for Intelligent Payment Routing
- Wise – Best Alternative for Fair Exchange Rate
- Intuit – Best Alternative for Real-Time Alerts
- Dwolla – Best Alternative for Automated Payments
- Stripe – Best Alternative for Internet Business
- Payline – Best Alternative for Partnership Options
1. GooglePay – Best Alternative for Businesses
Pricing: Free
This PayPal alternative on our list is GooglePay, which is known as a top choice for businesses. With GooglePay, your customers can pay with your website, in the app, or the store. It also allows customers to sync their accounts with all devices, preventing forgotten passwords. The platform also allows you to send offers and recommendations to your customers, share gift cards and loyalty gifts, and can be used on Android and iOS devices.
| Pros | Cons |
| Speedy and secure transactions. | Poor customer service. |
| No extra charges on the service. | Doesn’t work with all credit cards. |
| Can be used for business purposes. | – |
| Uses encryption and authentication to protect the transaction. | – |
| Can be used for a variety of payments. | – |
| It is almost free. | – |
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2. Skrill – Best Alternative for Customer Support
Pricing: Free for personal use, a Service fee of €5 otherwise
Skrill is an ideal alternative for all kinds of payments, from sending and receiving money and using store cards to linking it with your bank accounts. As long as you have your email address and password, you can make payments, and with a personal account, for free. For other kinds of accounts, you would have to pay a service fee monthly. The transaction fees are also very low, and it offers global customer support in more than 30 countries.
| Pros | Cons |
| Compatible with iOS and Android. | Verification takes time. |
| Features personal and business accounts. | Sometimes slow. |
| It comes with a prepaid card. | – |
| It is safe to use. | – |
| It offers global customer service. | – |
| Can be used with gambling and forex accounts. | – |
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3. Payoneer – Best Alternative for International Transaction
Pricing: 3% on credit cards, 1% on eChecks, Pricing varies for other payments.
Payoneer is the top PayPal alternative if you want to make payments to international clients or receive payments, quickly, safely, and with low transaction costs. It’s not only great for international transactions but also ideal for rentals, e-commerce, and online advertising. You can receive payments with Payoneer and withdraw the funds with your ATM card. It is also used in more than 200 countries.
| Pros | Cons |
| Very easy to use. | Rate is high for large transactions. |
| Secure transactions. | You cannot use money from a non-registered business. |
| Great for international businesses. | – |
| Provides a free MasterCard. | – |
| Low currency exchange rates. | – |
| Great customer support. | – |
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4. WePay – Best Alternative for Integrated Payments
Pricing: 2.9% for credit cards, 1% for ACH payments.
If you want to integrate different platforms into your main payment service, you can use WePay. It offers instant processing and onboarding and can be used with many online, omnichannel and POS software platforms. Businesses can embed WePay to their platform with a single integration.
| Pros | Cons |
| Easy to link to websites and bank accounts. | High credit card fees. |
| Easy for new users. | No detailed reporting. |
| Can be easily used to make donations. | – |
| The dashboard includes overall transaction and revenue. | – |
| Quick payment processing. | – |
| Easy to sign up. | – |
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5. Authorize.net – Best Alternative for Small Businesses
Pricing: Starts at 2.9% + $0.30 per transaction
Ideal for small businesses, Authorize.net can be integrated with ApplePay, PayPal, and Visa Checkouts, and can also accept customers from United States, United Kingdom, Canada, Australia, and Europe. It accepts credit card and electronic payments and offers 24/7 customer support. The platform has tens of thousands of merchants and you can carry out payments online, in person, or over the phone.
| Pros | Cons |
| Highly secure. | Unattractive interface. |
| Features an advanced fraud detection feature. | Declines with error codes and no explanation. |
| Integrated with different platforms. | – |
| You can adjust security settings easily. | – |
| Fast payments. | – |
| Compatible with many payment types. | – |
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6. 2CheckOut – Best Alternative for Global Markets
Pricing: Starts at 3.5% + $0.35
2CheckOut is also a great payment alternative to PayPal if you’re looking for one that supports global markets. It features about 87 currency options in 200 countries and 15 languages. It also features eight payment types and is mobile-friendly. The platform also protects you against fraud and insecurity, with 300 fraud rules per transaction and high PCI compliance. It is also integrated with over 100 online carts.
| Pros | Cons |
| Many options for checkout. | Long approval process. |
| Detailed admin panel. | Lots of documentation is required. |
| Simple onboarding process. | – |
| Accepts many credit cards. | – |
| Includes fraud prevention system. | – |
| Ideal for global businesses. | – |
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7. ProPay – Best Alternative for SaaS Platforms
Pricing: Starts at 2.60%
ProPay provides payment solutions to all kinds of businesses, especially ideal for SaaS platforms. Small businesses, enterprises, marketplaces, software providers, and different industries can use this platform to facilitate payments between them and their businesses. ProPay is an ideal PayPal alternative for credit card payments and all kinds of processing, through pay-by-text and email payments.
| Pros | Cons |
| Easy to use. | Expensive card swiper. |
| Straightforward integration. | Difficult app UI. |
| Multiple layers of integration. | – |
| Ideal for all kinds of businesses. | – |
| Quick loading and transactions. | – |
| It can be used from different devices. | – |
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8. Braintree – Best Alternative for Checkout Experience
Pricing: Starts at 2.9% + $0.30
Braintree is a PayPal service, but it is also a great alternative for anyone who wants to enjoy a seamless checkout when purchasing from your business. You can ask Braintree to customize their solutions to meet the specific needs of your business. It can also be used in over 130 countries and with tens of currencies, which makes it ideal for online businesses. It features Hosted Fields in the drop-in user interface for better checkout.
| Pros | Cons |
| Low processing fees on credit cards. | Problems with security. |
| It features global coverage. | Not all companies use Braintree. |
| You can customize user access. | – |
| It is easy to set up and operate. | – |
| Great customer service and quick with investigating issues. | – |
| Multiple payment types. | – |
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9. Venmo – Best Alternative for Everyday Use
Pricing: Starts at 3%
Almost everyone has used Venmo for many uses, whether to pay for concert tickets or return money to a friend. But, Venmo is used for way more than a few everyday payments. It can also be used for business transactions, making it a perfect alternative for PayPal. You can add Venmo to your business app or website, and enjoy the social benefits that Venmo offers to businesses. But, if you want to add Venmo as a payment option, you have to integrate it with PayPal Checkout or Braintree. The social aspect of the platform is a plus.
| Pros | Cons |
| Quick and convenient. | No international coverage. |
| Adds a social element to money transactions. | You can’t cancel payments. |
| A lot of transactions are free. | – |
| Gives you a credit and debit card. | – |
| Low transaction fees for credit cards. | – |
| Compatible with multiple devices. | – |
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10. BlueSnap – Best Alternative for Intelligent Payment Routing
Pricing: Starts at 2% +$0.30
BlueSnap offers intelligent payment routing which allows you to process over 100 payments globally. It also offers payment analytics, risk management, optimized conversions, and chargeback management. BlueSnap is also integrated with different platforms and shopping carts that you might use, including CRM and ERP systems for better implementation.
| Pros | Cons |
| Offers great transaction reporting. | The reporting system is complicated. |
| Accepts payments on a global scale. | Lacking launch support. |
| You can set up integrated credit card payments. | – |
| Clear and accurate reporting. | – |
| Quick and responsible customer support. | – |
| You can automate subscription billing. | – |
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11. Wise – Best Alternative for Fair Exchange Rate
Pricing: Starts at £3.69
Wise advertises itself as a cheap way to send and receive money internationally. It features a borderless account and issues debit cards to its users. You can also run payroll or batch payments and collect payment for freelancing jobs. When it comes to international payments, Wise is a great PayPal alternative for the fairest exchange rates and there are no hidden fees. It’s a great platform if you want to conduct transactions at a cheap rate. A brilliant feature is that you can put a recipient email address, and Wise would send a message to the recipient to give their payment details.
| Pros | Cons |
| Favorable exchange rates. | Does not support automatic recurring payments. |
| Low transaction fees. | Bank transfer is slow. |
| Top-notch security protection. | – |
| Convenient and transparent transactions. | – |
| No maintenance fees for accounts. | – |
| Ideal for businesses. | – |
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12. Intuit – Best Alternative for Real-Time Alerts
Pricing: Starts at 2.4% + $0.25
Intuit gives you a great platform if your business needs to properly track all business transactions. Whenever a customer view or pays invoices, you get a real-time alert. It also automates all payment reminders and gives you invoice data entry in real-time. You also get very speedy transaction services and you can send invoices online. It is also called QuickBooks.
| Pros | Cons |
| Easy to access from all devices. | No other key reports apart from accounting. |
| Easy learning curve. | Limitations on allowed users. |
| Integrates with other systems and third parties. | – |
| Provides accounting reports and customer information. | – |
| Affordable transaction fees. | – |
| Scheduled payments to other employees. | – |
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13. Dwolla – Best Alternative for Automated Payments
Pricing: Starts at 0.5% PAYG per transfer
You can send up to 5,000 payments with one API request, which makes Dwolla the best PayPal alternative for automated payments and businesses. It can also be integrated with any application and is a white-label API for straightforward UI. You can easily add them to your bank accounts and can make transactions without third parties. The platform also has great security, top-notch customer service, and a 99.9% uptime.
| Pros | Cons |
| Easy to implement for businesses. | No phone-based customer service. |
| Flexible payment options. | Not a lot of platforms accept it. |
| Easy access to customer records. | – |
| Impressive automation for payments. | – |
| Wide integration with many platforms. | – |
| Dedicated customer support. | – |
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14. Stripe – Best Alternative for Internet Business
Pricing: Starts at 2.9% + $0.30
Stripe is the right PayPal alternative for you if you’re running an internet business. The API is also straightforward, you can easily set up an account for your business to facilitate payments with your customers. The payment plans are flexible, with custom pricing also available.
| Pros | Cons |
| Easy to take care of refunding clients. | No automatic tax supports. |
| Easy to cancel recurring monthly charges. | Tricky to set up a recurring donation. |
| Can set separate businesses under one account. | – |
| Easy to set up and implement. | – |
| Very developer-friendly. | – |
| No headaches with PCI compliance. | – |
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15. Payline – Best Alternative for Partnership Options
Pricing:
Payline gives you a lot of partnership options which makes sure you can customize your plans and take proper care of payments. It also fits a lot of businesses, especially mobile, in-store and online businesses. The first month for using Payline is also free; while the user interface is straightforward to use.
| Pros | Cons |
| Great for high-risk and high-volume businesses. | Limited customer support hours. |
| Friendly user interface. | Monthly fees. |
| Quick transaction speed. | – |
| Offers protection from fraud. | – |
| Low transaction fees with the first month free. | – |
| Top-notch account security. | – |