Top 10 Online Paypal Alternatives

Top 10 Online Paypal Alternatives

When it comes to sending or receiving money online, PayPal remains one of the most widely used online payment services there is. But even with all its competitive strengths, it still has some serious flaws like reported cases of poor customer support and unreasonable freezing of accounts that pushed a few people up against the wall.

If you think that PayPal may not be for you, then it’s about time you should find other payment options. You will be pleasantly surprised that there are many competitors out there that are way more superior than PayPal. Here are the the top 10 alternatives that you might want to consider when integrating a payment gateway on your e-commerce site or simply sending money to a friend.


1. Payoneer


Payoneer offers a convenient way to shop online. It’s free to sign up an account and it gives access to its own Payoneer prepaid MasterCard that works like any debit card which you can use to purchase from local and online stores and withdraw funds at ATMs that accepts MasterCard worldwide.


2. WePay


Featuring superb fraud protection and customer service, WePay primarily specializes in peer-to-peer transaction but have since shifted their focus to include hassle-free payment platforms for marketplaces, SMB software and crowdfunding sites like GoFundMe. Their approval process is fairly quick with reasonable rates. It won’t cost you anything to set up and there’s no monthly fee.


3. Google Wallet

Google Wallet

With Google Wallet, it’s like having a digital wallet that stores all your credit, debit, loyalty, gift cards and other payment information into one place–your Google account.  It is available on desktop for most countries but using the Google Wallet app, and NFC card to pay in local stores, and sending money via Gmail can only be done to anyone in the US. Best of all, there are no chargeable fees to send or request money from your bank account and shop with their partner merchants online.


4. Stripe


Stripe is a San Francisco-based web app service catered mostly to merchants that handle payments, subscriptions and payout from bank accounts through their websites.  You need a web developer to help you customize your payment system and integrate it with Stripe’s API.

While their service is available only in 18 countries as of the moment, they plan to expand to more countries soon. Chargeable fees are pretty straightforward with a flat transaction rate of 2.9% + $0.30, regardless of location and card type.  Unlike PayPal where clients are automatically routed to the PayPal site to process payments, clients don’t have to leave your site with Stripe so it allows you more control and track important metrics like sales conversion.


5. Skrill


Previously known as Moneybookers, Skrill lets you securely send and receive money in more than 180 countries and 40 currencies worldwide. There’s  no setup fee and has the capability to send text message from your Skrill account. It is a great alternative to PayPal since it has a wide global reach and is accepted by top companies like oDesk, eBay and Skype. You can easily transfer your account balance to a debit card instantly.


6. ProPay


Since 1997, ProPay provides seamless payment solutions to more than 1.5 million merchants. Just like Skrill and PayPal, ProPay is one of the few payment processors authorized by eBay to be used on their auction site. ProPay also offers an end-to-end encryption and tokenization service so that your customer’s payment information are secure and protected.


7. Dwolla


If you’re mostly concerned about personal payments within the US, using Dwolla will make it much easier for you. Per transaction costs $0.25 and there are no fees charged for below $10 transactions which is cheaper than most third-party payment processors. They have a dedicated app for Android, iOS and Windows devices. Transferring funds into the Dwolla network is relatively fast and takes only one business day so you don’t have to wait almost a week to move your money.


8. 2Checkout


2Checkout is designed to simplify the checkout process to make it extra convenient for customers to buy from your site. This PCI-compliant third-party payment processor allows merchants to receive international credit card and PayPal payments, customize shopping carts and add recurring billing feature. For businesses that process a few thousand dollars or less a month, they may earn a bigger discount from 2Checkout compared to what’s offered by other traditional merchant accounts.


9. Square


A mobile payments company founded by Jack Dorsey (CEO of Twitter) and Jim McKelvey in 2009, Square brings an innovative and feature-rich solution in processing payments that allows individuals and merchants to accept credit and debit card payments offline using their Android and iOS smart devices.

Using their app is simple. Just fill out a form, download the app, swipe the card or manually enter the card information through the Square Reader, a small device attached to a headphone jack on smartphones or tablets and reads the card’s magnetic stripes, then payments are processed just like ordinary POS terminals. They also offer other services like Square Register (POS software that aims to replace cash registers), Square Market (for merchants to create a free online store), Square Cash (peer-to-peer money transfer via email) and Square Capital (cash advance service for merchants).


10. Amazon Payments

Amazon Payments

Just like Google Wallet, Amazon Payments is an online payment service that allows customers to pay for their purchases using their Amazon accounts by storing their card and shipping information and checkout without reentering the same information.

It offers two service options: (1) Checkout by Amazon, specifically targeted for ecommerce merchants that sell physical goods. Its major advantage is that customers don’t have to leave your site during checkout; and lastly, (2) Amazon Simple Pay is great for companies that sell digital products (ebooks, plugins, WordPress themes, etc.) and also accept subscription, donations, and membership dues.



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