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The Best 15+ PayPal Alternatives With No Holds

This write-up on The Best 17 PayPal Alternatives premises on the analysis of all top payment processors.

PayPal was once among the towering disruption in the technology front. At the time, PayPal alternatives drew little interest.

On top of letting you swiftly send and receive money from loved ones, compared with other payment options, PayPal prioritized safety.

PayPal was good riddance since both sellers and buyers on eBay platform were growing increasingly wary spurred by fraudulent cases.

PayPal also boasts of a sound interface, eCommerce, payment processing, invoicing, and reporting tools which allows you to pay for services and products quickly.

And because people are used to PayPal, the payment processor remains popular.

Here, we’ll focus on the PayPal alternatives offering responsive customer service, lower rates, and robust interface and the PayPal alternatives this piece has trained its eyes on include;

  • WePay
  • Google Pay
  • Klarna
  • Authorize.Net
  • Amazon Pay
  • TransferWise
  • Shopify Payment
  • Skrill
  • Payoneer 
  • Braintree
  • Dwolla
  • 2Checkout
  • Stripe
  • Square
  • WorldPay
  • QuickBooks Payments 
  • Payline 

PayPal Alternatives: Wepay

Wepay is a card processing solution mainly supporting online payments though it’s yet to master a complimentary in-store processing framework. The processor right from launch set to go head-to-head with PayPal.

Though Wepay is yet to develop a solid brick & mortar framework, that shot in the arm doesn’t limit its online functionalities.

You can quickly set up Wepay and leverage its sound functionalities in facilitating typical eCommerce transactions.

PayPal just so happens to trail Wepay as regards online crowdfunding. Wepay has optimized its API & features specifically befitting online crowdfunding transactions.

The payment processor works just fine with several other third-party services except that it can’t accept payments from PayPal.

Wepay won’t bill you on anything else save for a 1%+$0.30 ACH payments processing, and a fee of 2.9%+$0.30 for every single card transaction.


  • No monthly charges in using Wepay
  • You get to set up your account quickly
  • Cut-out for crowdfunding
  • Offers flexible API
  • Provides affordable ACH payments processing
  • Wepay supports a wide array of online payment options


  • Doesn’t accept payments from PayPal
  • Provides no in-store card processing
  • PayPal boasts of more robust eCommerce features than those of Wepay

Google Pay

If you’re looking for a place to store and use credit and debit cards, I mean Google wallet is just perfect. Spending money online becomes comfortable with Google Pay.

And since you get to add cards on your phone, you can spend at physical locations.


  • Offers tight-lid security
  • Sending and receiving payments takes a moment
  • Google Business lets you accept Google Pay from clients both online as well as in-person
  • There are zero fees, and your clients won’t get surcharged
  • Google Pay features smartphone payments possible both online and in-person


  • Security still feels a bit unaccommodating
  • Currently only available on iPhones and some Android phones


Klarna is one payment processor involves at great depth with your eCommerce fulfilment order process.

Klarna bore the bulk of risks as Klarna AI system swiftly assess an individual’s potential risk based on details, transaction history, and time of purchase.

Afterwards, Klarna approves or denies the purchase within seconds then fulfilment order ensues, allowing the client to shop conveniently. Finally, the customer gets 14-days to clear the payment.

Unlike PayPal’s inconvenience of registration, load up your account before you can finally transact, with Klarna, no need to signup with service to directly link with banking. Instead, proceed with the usual online banking details, authentication and payment transfers to merchants asap.


  • Klarna pay merchants upon checkout
  • Customers can make instalment payments for their orders
  • Customers complete payment of purchased products upon delivery
  • Offers convenient checkout process.’
  • In case products get returned, clients don’t have to pay


  • Customer refunds could take a bit of time
  • Klarna’s customer support response is yet to hit the ace status
  • Without any valid reason, purchases can get rescinded


Authorize.Net is yet another popular system with eCommerce stores as it offers a user-friendly interface, quality customer service, and reasonable rates.

You don’t get to send and receive payments from friends & family with Authorize.Net, but it’s a quality PayPal alternative for those looking to accept payments and tap into the widely used gateway across the globe.


  • You can sync with QuickBooks
  • Your account comes with a free mobile app and swiper
  • Zero setup fees for gateway payments and merchant account
  • With more than a staggering 400,000 merchants, Authorize.Net must be ticking the right boxes
  • Authorize.Net punches way above the competition as regard security and reliability
  • Offers the best free 24/7 support in the industry


  • $25 apply on chargebacks
  • In contrast to PayPal, you don’t get personal finance & sending functionalities
  • Global sales attract a 1.5% assessment for international transactions
  • $25 monthly gateway fees

PayPal Alternatives: Amazon Pay

Amazon Pay ranks high up the list as regard checkout from your online store, and just like PayPal, Amazon Payments speeds up the entire process.

The processor compares to a Facebook login, in which the user info gets stored; thus, a login or checkout-with Amazon Pay happens much faster than with a regular shopping cart and checkout.


  • Owing to Amazon’s popularity, clients have it easy in making payments
  • Amazon accounts offer an easy signup process with a user-friendly interface
  • Transaction fees liken those of PayPal
  • Amazon boasts of very advanced security contrasting its competition


  • Integration with your online store could take a bit of programming know-how
  • You’d incur arbitrary fees such as cross-border & domestic processing fees

PayPal Alternatives: TransferWise

For international transfers, TransferWise is a bargain alternative to PayPal. TransferWise has introduced a multi-currency cross-border account lets online businesses, freelancers, and consumers send, receive and spend money across at reasonable fees.

PayPal Alternatives
The Best 15+ PayPal Alternatives With No Holds 5

TransferWise imposes a one-off upfront fee; no hidden charges. To move the money around, we’ll assume, for instance, you reside in the UK and need to send money to a friend in Norway.

Once you make payment and the money deposit into the TransferWise’s UK bank account, using a real-time exchange rate, TransferWise pays your friend from TransferWise Norwegian bank account.

As such, money never crosses the border, thus, making transfer swift and help keep prices low.


  • Transparent pricing 
  • TransferWise business lets you invoice customers in their currency of choice
  • With 4 million customers worldwide, TransferWise counts among the most accepted and inexpensive tools for international transfers
  • And because money never crosses the border, you keep rates low, and the transfer is fast
  • The introduced cross border accounts let you hold and transfer between 40+ currencies


  • You won’t get extra features like recurring billing
  • Unless it’s a bank transfer, you can’t send nor receive money
  • The borderless account only allows you to receive cash from GBP, AUD, EUR, and the US

PayPal Alternatives: Shopify Payments

Shopify Payments come as default inbuilt payment processing system on the Shopify platform, and as such, you won’t have to worry about incorporating external payment option. Right from Shopify’s central dashboard, you can conveniently manage your transaction processing system.

Read also : International Seller’s Guide To Shopify Payments

Besides enabling online payment, Shopify Payments provides POS hardware to facilitate well-synched in-store payments. 

Whereas using PayPal on Shopify costs anywhere between 0.5% to 2% transactions fees above the card processing charges, Shopify Payments features zero transaction rates.

The accompanying benefits let you only part with the card processing fees, whose rates are dependent on the specific Shopify plan. Currently, with the Shopify Payments alternative you’ll pay between 2.4%+$0.30 on the lower side and 2.9%+$0.30 on the highest.

PayPal scheduled payouts take 5-7 business days while Shopify Payments schedule payouts for every three (3) business days.


It works to offer smooth payment processing management experience on 

  • Shopify
  • Shopify Payments integrates with multiple platforms & solutions even third-party processors
  • It qualifies you for zero transaction fees on Shopify
  • It works just fine with several accounting apps thus enabling accounting & reporting


  • Shopify Payments deducts $15 for each chargeback
  • Shopify Payments operates in a handful of countries
  • Without notice, your account could be frozen and put under investigation

PayPal Alternatives: Skrill

On the surface, Skrill appears similar to PayPal at first given the matching rates and fees. However, the simple interface and the prepaid debit card sets Skrill apart.

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The Best 15+ PayPal Alternatives With No Holds 6

And because money gets sent and transferred asap to the debit card, Skrill makes international payments far easier. The debit card allows you to use your Skrill account from a brick & mortar store as well as use the ATM services.


  • You can use Skrill account from anywhere across the globe
  • Account setup counts among the easiest in the industry
  • You’ll just need an email address to make & accept payments
  • Spending at Skrill merchants, uploading & receiving funds costs close to nothing
  • Skrill offers tight security 
  • Skrill has put up a fully-fledged system catering for gambling and gaming options


  • Going by reports, Skrill customer service does not enjoy glowing tribute
  • A cost of 1% of the amounts sent applies to money sent to an email address, or another Skrill wallet; the charges cap at $10You might find your account frozen owing to the company’s strict fraud prevention tools although the same happens with PayPal

PayPal Alternatives: Payoneer

As is the case with Skrill, Payoneer also offers you both an online account and a debit card. Sending and accepting takes just only one step, thus making shopping online a smooth experience.

Payoneer has tentacles reaching the global payments market with functionalities that lets you get paid & send payments from customers & marketplaces

The debit card allows you to use your Payoneer account from a brick & mortar store as well as utilize the ATM services.


  • It won’t take long to set up an account
  • Payoneer is available worldwide
  • Through the ATM or your bank account, you quickly access funds
  • Transacting on the system requires no programming know-how, and you can soon get your money
  • Payoneer possesses tools & integrations freelancers finds useful for accepting money from customers, especially international payments
  • Payoneer has a simple monthly billing and payments between Payoneer accounts costs nothing


  • Expect to pay high fees on the ATM
  • With Payoneer, you won’t find any gateway
  • Payoneer’s customer service gets no such glowing acknowledgements from users
  • Accepting credit cards attract high fees
  • With Payoneer, you’ll have to pay to transfer to a bank account contrary to PayPal’s free bank transfer

PayPal Alternatives: Braintree

Disclaimer: PayPal owns Braintree; however, that has not deterred them from independently taking competition to PayPal.

Just like Google Pay, Braintree stores your credit cards, and along with offering recurring billing and a payment gateway Much as Braintree packs personal finance functionality, it works just fine for merchants.


  • Provides unique marketplace payments system
  • Simple, straightforward pricing
  • Offers more advanced features than PayPal
  • Allows both online and mobile payments
  • Has solid customer support
  • Braintree accepts all kinds of payment methods like Venmo, PayPal and cards
  • Store credit cards & collects recurring billing


  • You require a separate account for system to function
  • You’ll need some programming know-how to have Braintree on your website
  • Besides the transaction fees, you have a listing of other expenses to consider

PayPal Alternatives: Dwallo

Although Dwallo flies under the radar, it compares to PayPal and therefore worth a look into. Other than letting you send and accept funds from individuals and companies, Dwallo is big on ACH bank transfers, as such, it’s your best bet for both sending and receiving lots of bank transfers.

 Dwallo isn’t a card processing solution, quite a departure from what PayPal offers. Instead, it allows money transfer by directly linking with your bank account.

The thing with quashing the cards is that it helps keep the transaction costs low. In principle, Dwallo has set out to help everyone with internet-enabled device send money at the lowest possible price.

In executing the low-pricing objective, processing funds under $10 incurs zero, and each transaction above $10 incurs a fixed rate of $0.25.

Dwallo’s pricing model makes PayPal’s 2.9+$0.30 seem inflated more so when dealing in a large volume of transactions. For instance, an entrepreneur handling ten transactions worth $100 each with Dwolla, you incur $2.5 whereas for the same, deducts $32.


  • Transaction fees cost only $0.25 
  • Offers instant cash transfer
  • Offers next day transfer at a flat fee
  • Provides easy to use robust branding tools
  • Senders pay transaction fees if needed
  • Makes bank transfer easy
  • If in a marketplace, automation of mass payouts is possible


  • Dwolla’s monthly fee is quite inflated
  • Those outside the US can’t have a Dwolla account
  • Both sender and receiver must have Dwolla account for payments to go through

PayPal Alternatives: 2Checkout

 In this review, 2Checkut ranks up there primarily because it accepts payment from across the globe. As alluded to already, PayPal still limits to countries from which you can accept payments while 2Checkout set to change that.

2Checkout fees in the US corresponds to PayPal’s price. However, there are countries with better rates when accepting payments from customers. For the payment pricing, calculate to determine the most affordable between the two, 2Checkout or PayPal?

2Checkout undeniably cuts as among the best alternative to PayPal more so in the international payment front. Regardless of where you base, fuss not.


  • You can accept significant payments from PayPal, debit, credit cards (Maestro, MasterCard, Visa)
  • You won’t incur monthly or setup fees
  • Setup recurring billing for your clients
  • You get to choose from eight payment types, 15 languages, and 87 currencies
  • You can link merchant account with payment gateway
  • Lets you integrate with sandbox, API, & more than 100 online carts
  • You get the privilege of fraud protection that encompasses more than 300 security rules for every single transaction
  • Offers access to several branded, localized, and mobile-friendly checkout options


  • Currency conversion draws an average of 2-5% on top of the daily bank exchange rate
  • Payments from clients outside the US attracts a 1% fee
  • $20 applies to your account for all chargebacks

PayPal Alternatives: Stripe

You’d or may have noticed some eCommerce platforms indicate Stripe as the preferred payments processor possibly because it’s the most prominent of all the PayPal alternatives. 

For a long time now Squarespace, for instance, has worked with Stripe. And currently, Shopify administers its Shopify Payments system via Stripe.

Stripe cuts the image of an extremely streamlined alternative no wonder its popularity with so many eCommerce platforms. Stripe handles all aspects right from collecting to sending payments to the bank-including Bitcoin transactions & ACH payments.

More or less, Stripe’s transaction fees alike those of PayPal


  • Pay is only for what you use
  • Stripe supports both Android & Apple Pay
  • Accepts money from people & companies from across the globe
  • Stripe automatically deposits transaction funds into a bank account
  • You won’t incur setup, monthly, or hidden fees thanks to the transparent pricing model
  • Allows for mobile payments
  • Allows for real-time reporting


  • The interface may call for some programming know-how
  • It’s only Australia, Canada, the UK the US, and several European countries that offer merchant accounts
  • To access your funds often you’ll need to wait a couple of days after the transaction
  • An additional 1% transaction fee applies to international cards

PayPal Alternatives: Square

In comparing PayPal with other solutions, Square counts among the leading alternatives to pop up.

It’s open secret PayPal dwarf Square popularity-wise because it’s only merchants basing in Canada, Japan, the US, and the UK who accept credit card payments with Square.

Square isn’t your ordinary payment processor as it freely provides an online store, domain, virtual terminal features, invoicing, card info storage vault plus shopping cart integration.

Both POS & mPOS integrations are some of the free supplementary provisions which help with card processing.

Over the years, Square has undoubtedly done well for itself. Offering extensive features that appeal to small businesses, Square has wound up expanding its user base. 

Add-ons solutions like payroll, employee management and appointment booking allow you to extend the whole of Square platform,

For transaction fees, Square has retained the industry’s standard rates also available with other payment processors. Online and invoiced payments, for instance, sets you back by 2.9%+$0.30 whereas an in-store card processing charge 2.75%.

As a payment processing option, Square offers a remarkable value.


  • Square is an extensive all-in-one payment processor
  • It offers a free domain and online store
  • No monthly fees
  • Best suiting low-volume merchants
  • The extra add-ons provide room for business growth


  • The solution is only available in Australia, UK, Canada, Japan and the US
  • The not best gateway to high-risk merchants
  • As a third-party payment aggregator, Square accounts pose unreliability

PayPal Alternatives: Worldpay

Formerly trading as RBS Worldpay, Worldpay is yet another payment processing platform that poses a significant competition to PayPal given its global network as well as supporting a horde of payment options that include debit & credit cards.

Like PayPal, Worldpay offers both offline & online card transactions; therefore, Worldpay can help both your in-store and eCommerce business.

Worldpay supports a wide array of channels for offline payments. Also, you can leverage its POS systems, ATM processing, mobile payment that work to accept cash, and credit card payments.

Worldpay has a diversified its pricing system modelling it to provide interchange-plus & tiered packages. Both your transactions history & average monthly processing volume are primary factors that determine the monthly amount you pay.

For instance, each offline transaction attracts a standard 2.9%+$0.30/


  • 24/7 customer support
  • Flexible pricing model
  • Worldpay offers an extensive payment network
  • Interchange plus pricing enhances transparency
  • Supports a horde of offline processing options


  • The free terminal offer misleads
  • You’ll be tied to your contract for three years
  • An early service termination fee is $295

PayPal Alternatives: QuickBooks Payments

This payments processor provides you with a whole set of tools, depending on your business requirement. The processor is well known, and it lets you get paid with the QuickBooks tool.

The intuit lets you integrate QuickBooks for the accounting functionality, as such, it’s among the best solutions.


  • Like PayPal, you send invoices
  • Accept ACH transfer
  • Allows for mobile payments anywhere
  • Integrate with QuickBooks
  • Link your payments with timesheet & payroll
  • Allows access to TurboTax
  • It’s possible to embed the Pay Now button your site


  • For personal sending and receiving funds this PayPal isn’t the best solution
  • It’s only without the QuickBooks that processor offers competitive prices


Payline facilitates the typical eCommerce checkout system through a wide array of solutions from in-store, mobile to online payments although the payment processor best suit in-store payments.

In the retail business front, Payline elbows PayPal because it’s flexible and much cheaper. As opposed to a static standard pricing system, Payline offers a rather dynamic interchange-plus pricing model. It means, fees consistently differentiate subject to the types of cards you process.

The interchange-plus pricing system foster transparency in the payment processing with the only headache arising from the fact that you can’t estimate future expenses with the model

Although PayPal offers you the headroom to forecast future costs by charging a reasonable static rate of 2.7% for offline transactions, you incur less with Payline guaranteed.

The package you opt in to dictate the features you get for card processing; for instance, Payline offers a bargain with its Spark & Surge packages, well-tailored for small businesses work just fine with a mobile reader. 

Although Payline Shop package offers access to tabletop card readers alongside other reliable card processing resources and functionalities, enterprises pay top dollar for this premium package. It’s the most expensive.

Payline Shop option pales PayPal’s inflexible in-store card processing, which comes with two card readers and just one of the readers has EMV support. However, PayPal redeems itself by outshining Payline in the arena of commerce transactions.


  • Payline facilitates mobile payments
  • The interchange-plus pricing model provides transparency as well as flexibility
  • Payline offers cut-price offline transaction fees lower than PayPal’s
  • Payline’s API enables integration with third-party solutions and platforms
  • Payline offers a diverse array of credit card processing solutions, complete with sound supporting hardware framework


  • PayPal’s eCommerce payment processing features are superior to Payline’s
  • Interchange plus pricing system makes it hard to estimate future costs
  • Presently, Payline only serves the US

Final Word

In the past, people were reluctant to migrate from PayPal due to rampant compatibility issues but not anymore. Now you find more sound solutions to help facilitate business in different parts of the globe.

Competitively, PayPal rates lag some of the options out there and make no mistake; PayPal has had its fair share legal suits. That’s not to say you ought to rule out PayPal in totality, no. Just get to savour the best alternative to PayPal’s taste.

Probably you stand to save up big and end up liking your payment processor of choice, you never know.

Some of the payment processors in this write-up best-suit personal sending & accepting, others are just perfect for eCommerce payments. Alternatively, you may wish to collect & send ACH bank transfers. 

If you are looking for by far the best international payments, go with TransferWise, Authorize.Net & Stripe ranks high for eCommerce transactions whereas Google gets it right with storing cards.

Consider 2Checkout to help with completing transactions in any country. But if you’re looking for a close PayPal replica, opt for Skrill or Dwolla.

Hit us up in the comments below if you have questions or comments about the best PayPal alternative.

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I was looking for ways of making a living working online from the comfort of my home,few years in am able not only to work from home but also help others achieve their dreams too. I am a full-time eCommerce expert dropshipping business ,Niche research and Facebook ads Expert.

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