10 Proven Paypal Alternatives

Photo of Paypal Headquarters signage

NOTE FROM JON:  This is an article that is part of my content quality comparison case studyThis particular article was ordered from iWriter.  The level was “Elite” which is $22.25 per 1,000 words.  I did not change anything except added formatting.  I’ve noindexed this and kept it out of the blogroll because it’s not very good as you’ll see… especially the introduction.


Some years ago, PayPal was among the best technological pieces in the world. Therefore, at that time, people had no interest in the available alternatives. The platform allowed faster sending and accepting of money from family and friends, and ensured that the money was safe. After eBay emerged, those are the features buyers and sellers would want from a platform like PayPal – they were all more concerned about fraudulent activities.

Moreover, PayPal offered solid eCommerce, invoicing, reporting and processing tools to allow users to accept products and services without any problems. The PayPal interface is solid, but that is not the key reason why it is still leading. The program is still a leader in the industry because people are already used to it. Several other PayPal alternatives charge lower rates, offer better interfaces and customer services. Here are the top ten.

1. Stripe


Stripe is the most popular PayPal alternative and you have possibly realized that most e-commerce platforms are recommending it. A quick example, Squarespace has worked with Stripe for many years. Shopify is also providing a Shopify Payment System through the Stripe platform. Stripe eliminates the need of merchant gateway and account. They handle everything, including sending and collection of payments.


  • Stripe puts any transaction money straight to the user’s bank account automatically
  • Offers mobile payment options
  • Accept payments from companies and people from all parts of the world
  • Offers real-time fee reporting
  • You will only pay for what you use
  • The pricing is transparent
  • Supports Android and Apple Pay


  • You will have to wait for several days to access your money after every transaction
  • Merchant accounts are only available for users in Australia, Canada, US, UK, and some other European countries
  • The interface requires some programming

2. Google Wallet


If you are looking for a better place to store or use your debit and credit cards, you should choose Google Wallet. The Wallet facilitates easier spending of money on the internet. You can put your cards in a phone to spend in any physical location.


  • You can accept payments from your customers through the website or physical store
  • The sending and receiving of payments takes a few minutes
  • You can send and receive payments in person or online
  • No charges


  • The form of payment is limited to iPhone and a few Android phones
  • Most people are worried about the safety

3. Skrill


Skrill offers a prepaid debit card in addition to a simple user interface. If you need easier international payments, it is the online payment system to go for. You can transfer your money directly into the debit card and use it for shopping in brick and mortar stores or use the local ATMs to withdraw. The online payment system is based in the UK.


  • The account setup process is among the easiest
  • The system offers adequate security for users
  • Receiving, uploading, and spending of money on the Skrill merchant is free
  • You can use the Skrill account in any country
  • You just need an email account to send and receive money
  • Offers a solid system for playing online games and gambling


  • The company has strict fraud prevention tools. In other words, you likely to find your account frozen
  • The customer service is not the best

4. TransferWise


TransferWise is a cheaper alternative to the Paypal interface. Their shiny multi-currency borderless account assists freelancers, consumers, and business to spend or send money from one country to the other at a lower price.

The money transfer network has no hidden charges – they stick to a single upfront transfer fee. For example, if you want to send money from France to the United States, you will make your payment and the money will get into the TransferWise’s bank account in the United States.

Your friend in the United States will receive the money from the United States’ account. Therefore, the money does not cross borders in the real sense. The rates are therefore always lower and the transfers are fast.


  • The pricing is transparent
  • The borderless account allows you to transfer and hold around 40 currencies
  • Allows invoicing of customers in the currencies that work for them
  • The costs are low because the money never cross borders


  • You can only receive money through bank transfers
  • Does not provide features like recurring billing

5. Payoneer

Payoneer offers an online account and a debit card to all users. Their services facilitate easier online shopping and the process of sending and receiving money involves few steps. With the debit card, you can simply walk to the local ATM or a store to access your money. Payoneer also expanded its services to allow easier sending and receiving money from clients.


  • It offers handy integrations and tools for freelancers. It is effective for international payments.
  • You can use your Payoneer account in any part of the world.
  • The transaction process does not need programming knowledge
  • The account set up process takes a few minutes
  • The pricing is simple


  • Most people claim that their customer service is not the best
  • You have to pay an additional fee when transferring your money to a bank account
  • Does not offer payment getaway
  • You will pay an additional fee when using credit cards
  • If you choose to use the local ATM, expect larger fees

6. 2Checkout

2Checkout is another popular PayPal alternative. The main reason why people are going for it is that it involves accepting global payments. In fact, PayPal does not allow sending and receiving of money in some countries. Perhaps one goal of 2Checkout was to eliminate that problem. The amount PayPal charges in the United States is also higher compared to that you expect in some other countries. Therefore, you might need to calculate the pricing to see whether 2Checkout is a better choice.


  • They do not charge any setup or monthly fees
  • They accept the major payment methods such as PayPal, debit cards and credit cards
  • They accept 87 currencies, 8 types of payments and 15 languages
  • Their advanced fraud protection employs 300 security rules for every transaction
  • Offers several customizable checkouts, which are branded, localized and mobile friendly
  • You can contact merchant accounts with payment getaway
  • Integrates with 100 online carts, sandbox, and API


  • Charges 1 percent fee for every payment you receive from customers outside the United States

7. Amazon Pay


Amazon Pay is a good choice if you are currently running an online store. It starts by storing the user information and therefore, the login and checkout with Amazon Payments will be faster than of the regular shopping carts and checkouts.


  • Offers advanced security compared to the competitors
  • If you already have an Amazon account, the sign-up process is easy
  • Most people are familiar with Amazon and therefore your customers will not have difficulties paying for your products


  • Integrating Amazon Pay with your store will take some programming knowledge

8. Intuit


Intuit provides a variety of tools to facilitate the better running of businesses. It is more popular because it offers a QuickBooks payment tool. You can integrate it with your QuickBooks account for better accounting functionality.


  • Integrates with QuickBooks
  • Access to TurboTax
  • Allows sending of invoices, just like PayPal
  • Allows mobile payments
  • You will have the option of including a “Pay Now” button on your business website
  • Accepts bank transfers


  • The rates are only competitive for people who do work with QuickBooks
  • It is not suitable for sending or receiving money from friends and relatives

9. Braintree

Along with recurring billing and payment gateway, Braintree offers a better way of storing credit cards and their system is similar to Google Pay. Even though it boasts numerous personal finance features, it is suitable for online merchants. The company, owned by PayPal, runs as in independent company and is competing well with the PayPal system.


  • The pricing is straightforward and simple – Accepts many payment methods including cards PayPal and Venmo
  • Offers more advanced features similar to those PayPal provides
  • The customer support is solid
  • Allows both mobile and online payments
  • Offers special marketplace payments


  • You will require some programming knowledge to integrate the Braintree system with your website – For the system to work, you will also need a separate merchant account

10. Authorize.Net

(www.ecommerce-platforms.com/go/TryAuthorizeNet) The Authorize.Net system has turned out popular among business people due to the reasonable rates, an easier to use interface and quality customer service. However, it does not allow sending and receiving of money from friends and relatives.


  • It is reliable and secure – Offers a free mobile phone app in addition to a swiper
  • Offers 24/7 customer support
  • You can sync your account with QuickBooks
  • No account setup fees


  • Does not offer sending and personal finance tools like those you expect with PayPal

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