The Best 17 PayPal Alternatives: Top Solutions Reviewed (Nov 2021)

We’ve reviewed all of the top payment processors and make the top 10 PayPal alternative payment options.

PayPal was among the top groundbreaking technologies that has ever existed. It was at the time that there was not many people interested in PayPal other options. It was not just a way for users to swiftly pay and accept payments from your family and friends and family members, but also made sure that the funds were more secure than alternatives you could pick from. This became a huge issue after eBay was launched, as both buyers and sellers were concerned about fraudulent activities.

Furthermore, PayPal has several solid invoicing, ecommerce, payment processing and reporting tools that let you accept payment for goods and services with no issues. It’s not difficult to see that PayPal’s PayPal interface is sturdy, however it is important to keep in mind that the primary reason PayPal remains so well-known is because people are familiar with the interface. A number of alternatives to options for PayPal are also available, with lower prices as well as better customer support and more appealing interfaces.

If you’re in search of the most affordable Paypal alternative to make international transfer of money, we suggest that you immediately switch to Transfer wise. We’ve personally used Transfer wise numerous times and have found it to be one of the least expensive and most popular options to transfer currencies or make money transfers.

Paypal alternatives are reviewed in this article:
  1. Square
  2. Shopify Payments
  3. Payline
  4. TransferWise
  5. 2Checkout
  6. Payoneer
  7. Skrill
  8. Stripe
  9. Google Pay
  10. Authorize.Net
  11. QuickBooks Payments
  12. Dwolla
  13. Braintree
  14. WorldPay
  15. Amazon Pay
  16. Klarna
  17. WePay

Here’s a video adaptation of this tutorial that you made by my friend Joe.

PayPal Alternatives: Square

is among those popular options that are often mentioned when you’re looking to compare PayPal against other options. And there’s a valid reason for that.

There’s a reason, Square isn’t only a standard payment processor. It has an online store and domain for free. It then adds shopping cart integrations along with billing, card information storage vault, and virtual terminal capabilities. In addition, for processing cards it comes with POS or mPOS features no cost.

However, it’s true that the Square isn’t as well-known as PayPal. The difference is that only merchants located on the U.S., U.K., Canada, Australia, and Japan accept credit card transactions.

I’m not saying that it’s not a good idea. Square has been able to draw many customers, due to the numerous features it provides small-scale companies. In addition to the free additional options we’ve already mentioned it is possible to extend the entire platform by adding additional solutions such as appointment scheduling, payroll, as well as employee administration.

When it comes to transaction fees are related to transaction fees, Square maintains the standard rates that we’ve encountered with many of other processors. In-store card processing, as an example, is charged 2.75 percent, while online and invoiced payment are charged 2.9 percent, plus $0.30.

Overall, Square provides incredibly great value for money when it comes to payment processing solutions.


  • It comes with a no-cost domain and an online store.
  • Square is an all-in-one, comprehensive payment system.
  • Additional add-on services are available to help businesses grow.
  • Square does not have any monthly charges.
  • These features are especially beneficial to small-volume sellers.


  • As a payment processor, Square is only available in the U.S., U.K., Canada, Australia, and Japan.
  • Since it’s a third-party aggregater, Square accounts can be unstable.
  • This isn’t the ideal solution for merchants with high risk.

PayPal Alternatives: Shopify Payments

If you’ve ever tried Shopify previously then, you’re probably already familiar by Shopify Payouts. It’s an integrated payment processing service that is available with the purchase of the overall Shopify platform.

So you don’t need to fret about integrating the payment processor of your choice. You can manage your payment processing system in Shopify’s main dashboard. The result is a seamless integration between your store’s online and your payment processing system.

However, don’t make any mistake. Shopify Payments is not just about online payment. It also provides the hardware for POS to allow sync-free in-store transactions.

If Shopify Payments’ features don’t attract you, the advantages could. While the use of PayPal on Shopify will force users to pay 0.5-2 per transaction fee above the processing fees for your card, Shopify Payments allows you to use the service at no fees for transactions.

The basic idea is that you have to pay processing fees for your credit card that are determined by your particular plans with Shopify. The highest rate they can get is 2.9 percent and $0.30 per transaction, and the lowest is 2.4 percent plus $0.30.

After the transaction is completed, next payouts are scheduled to be made every three business days. PayPal On its own, will take approximately 7 to 7 work days.


  • It’s integrated in Shopify to provide an effortless payment experience.
  • Shopify Payments are compatible in a variety of services and platforms including payment processors from third parties.
  • It integrates well with many accounting software to help with the reporting and management of accounts.
  • It removes transaction fees from Shopify.


  • Shopify Payments is accessible in a select number of countries.
  • Your account may be froze and analyzed without notice.
  • Shopify Payments takes 15 dollars for each chargeback.

Check out the review on our Shopify Payments review.

Paypal Alternatives: Payline

Payline is a payment processor offering an array of options such as mobile, online, and in-store payment.

Although it is compatible with the standard payment method for online shopping, Payline is especially suitable for payments in stores. It’s less expensive and more flexible than PayPal in terms of providing retail companies with payment options.

In addition, Payline does not use the traditional static pricing schedule. Instead, it provides solutions by using an interchange and pricing system. This means that the prices differ depending on the type of cards you’ll be processing.

However, the interchange model is definitely the most transparent model within the space of payment processing. The only issue you could confront is forecasting the future cost of your transaction.

However, here’s the thing. While PayPal generally charges a fair flat rate of 2.7 percent for transactions made offline however, you’ll be charged lesser charges when using Payline.

The options you have to process cards depend on the card processing package you select. If a card reader that is mobile is something you like the Payline Spark and Surge plans are definitely worth looking into. They’re affordable and well-designed for small-sized business owners.

Enterprises however could opt with an alternative that is the payline Shop plan. Although it’s the most expensive alternative, you get tabletop card readers and many other high-quality card processing tools and functions.

Compare that to PayPal’s inflexible processing for in-store cards that has just two card readers. In addition, to add insult to injury the fact that only one has EMV support.

In the realm of transactions for commerce, however PayPal is a significant step ahead of Payline.


  • The pricing structure for interchange and interchange is not just adaptable, but also transparent.
  • Payline provides a variety of credit card processing in-store packages that come with sturdy hardware support.
  • Payline’s transaction fees on the offline side are less expensive than PayPal’s.
  • It provides a fully-featured API for integration with third-party platforms and solutions.
  • Payline accepts mobile payments.


  • As of now, Payline is only available in the U.S.
  • It’s not easy to anticipate the charges you’ll be charged with the pricing model that includes interchange.
  • Payline’s payment processing capabilities for ecommerce don’t compare to PayPal’s.


PayPal Alternatives: Transfer Wise

Transfer Wise is a cheaper alternatives for PayPal for international transactions (see their comparator tool to PayPal). Their brand-new multi-currency borderless account allows freelancers, consumers and businesses online to transfer, pay and transfer money across borders at a fraction of the cost.

Transfer Wise functions like this It strips out shady hidden fees and only charges one transfer fee upfront. It’s also fascinating to see how money moves through the system. Let’s take an example, for instance you’re located in the US and would like to send money to a friend who lives in France. You pay the money and the funds are transferred to transferwise’s American banking account. Then, it pays your friend via your TransferWise France bank account using the actual exchange rate. Thus the money never traverses borders, thereby keeping rates lower, making transfers very fast.


  • The most admired and affordable tools for making international money transfers, serving around 4 million customers worldwide.
  • Price is very transparent.
  • Their brand new account that is borderless lets you hold and transfer between 40 currencies.
  • With Transfer Wise for business, you can charge your customers using the currency that suits them.
  • The money is never transferred across boundaries, so you can cut cost low and make sure of quick transfer times.


  • It is not possible to send or receive money when it’s not a bank transfer
  • You can only withdraw cash by EUR, USD, AUD and GBP using the account with no border
  • You won’t have all the cool extra features such as regular billing, but you do get them.

PayPal Alternatives: 2Checkout

2Checkout is among our most-loved PayPal alternatives, mostly because it’s a way to accept payments worldwide. We mentioned a little concerning PayPal in the beginning, you’re restricted to the countries that you can accept payments from via PayPal. 2Checkout hopes to alter this. The charges within the US are the exact same as PayPal however we’ve discovered that some countries have better rates when it comes to accepting payment from customers.

You can determine the cost of payment to determine whether 2Checkout is cheaper over PayPal in your area.


  • You don’t need to pay set-up or monthly costs.
  • Accept major payment methods , including debit and credit card (Visa, MasterCard, Maestro) and PayPal.
  • Select from 87 currency options, eight payment methods and 15 different languages.
  • The sophisticated fraud protection system goes through more than 300 security regulations to protect each transaction.
  • There are a variety of checkout options that can be customized offered. The checkouts are mobile-friendly, brand-named and localized.
  • Set up recurring billing to your clients.
  • Connects an merchant account to an online payments gateway.
  • Integrations are available for over 100 online shopping carts as well as an API as well as a Sandbox.


  • A fee of 1% is applicable to any payments you receive from clients outside of America. United States.
  • The amount of $20 is charged to your account for any charges that are not paid.
  • The cost for currency conversion is between 2 and 5 percent higher than the bank’s daily exchange rate.

2checkout is among the top alternatives to PayPal which is why we prefer it due to international transactions. It does not matter where you live therefore you shouldn’t experience any issues.

PayPal Alternatives: Payoneer

Payoneer is a bit like Skrill (listed in the following table) because you receive credit card, debit card, and online account. Online shopping is simple as is the process of sending and receiving money takes a single step. The primary benefit is using a debit card. The ATM is feasible, and you can go to brick and mortar stores to use you Payoneer account.

In the end, Payoneer has expanded into the world market for payments by providing tools for getting paid and sending money to and from customers and marketplaces.


  • It comes with a variety of useful features and integrations for freelancers looking to accept payments from their clients. This is especially true when it comes to international payments.
  • Payoneer is available Payoneer everywhere around the globe.
  • The process of transferring money doesn’t require any programming skills. It is possible to implement this system onto your site and have your money within a short time.
  • It’s also not that difficult to establish an account.
  • The access to your account is simple through your personal bank account or an ATM.
  • The pricing is straightforward (monthly bill) and ideal for payments among Payoneer account (it’s absolutely free).


  • It’s still unclear what the verdict is on customer service. A lot of people on the internet have said that the service isn’t great.
  • If you transfer money to a bank account , you usually must pay an amount. This is a major drawback because other platforms like PayPal provide this feature free.
  • There’s no payment processor using Payoneer.
  • Accepting credit cards can cause a significant cost.
  • If you use the ATM you’ll need to pay a substantial cost.


PayPal Alternatives: Skrill

With fees and rates that are similar that are similar to PayPal The Skrill system might appear similar at first. However, the convenience of a prepaid debit card and simple interface are enough to think about it. International transactions are much easier using Skrill since the funds is transferred straight away to a credit account that Skrill will send to you. The debit card is then able to be used anywhere you like and even ATMs.


  • The setup of a bank account is among the easiest to do in business.
  • The security is robust.
  • Transferring and receiving funds as well as spending money with Skrill merchants is usually completely free.
  • The Skrill account is available all over the world.
  • All you require to make or accept transaction is an email.
  • Skrill offers a complete system designed for betting and playing games that require money, making it the best choice for these options.


  • The transfer of funds to an email account or to another Skrill wallet will cost 1.1% of the money transferred, with the cost set at $10.
  • PayPal is a company that has strict tools to prevent fraud and you could be surprised to discover that your account has been frozen. But, this has been observed at PayPal as well.
  • There are reports that show that customer service isn’t top-notch at Skrill.


PayPal Alternatives: Stripe

Stripe Stripe is perhaps the most popular of the PayPal alternatives. You’ll be able to see that some e-commerce platforms declare Stripe for their primary processing partner. For instance, Squarespace has been working with them for quite a long time, and today Shopify offers their Shopify Payments system through Stripe. The main benefit for Stripe is the fact that it removes the requirement for a merchant account or gateway.

Everything is managed by Stripe in all aspects, from collecting payments and transferring those payments to banks (including ACH payments as well as bitcoin payments). It’s one of the most modern alternatives and that’s the reason why that so many platforms have partnered with the company. Be aware that the transaction fees are the same as those charged by PayPal.


  • The Stripe app automatically deposits your transaction funds into an account with a bank.
  • Mobile payments are possible.
  • Accept payments from individuals and companies from all across the globe.
  • Real-time reporting of fees is now accessible.
  • Pay only for the items you actually use.
  • The pricing is quite clear, with no set-up fees, hidden or ongoing fees.
  • Apple Pay and Android Pay are both supported.


  • You typically have to wait for a few days following a transaction before you can be able to access the funds.
  • Although you can accept payment across the globe, merchant accounts are available only for those in the US, Canada, UK, Australia, and many European countries.
  • The interface could require expertise in programming.
  • International cards will incur an additional transaction fee of 1.


Alternatives to PayPal: Google Pay

Google Wallet is by far the most suitable option for those looking for an account to store and access your credit and debit cards. The process of spending money online is simple and you can store all your cards in your phone to use to use at physical locations.


  • Google Business allows you to accept Google Pay from your customers, regardless of whether they are on your site or in the physical location of your store.
  • It takes only a few seconds to send or receive payment.
  • Making payments via your mobile phone is the main option, and it can be done via the internet as well as in-person.
  • The security is strong.
  • There aren’t any costs and your customers will not have to pay any extra charges.


  • It’s only available to iPhones as well as some Android phones.
  • The security is still a bit scary slightly.


PayPal Alternatives: Authorize.Net

It is the Authorize.Net system is quite popular among online retailers, since the system offers affordable rates with excellent customer service and an interface that nearly anybody can access. While you do not have the capability to send and receive money from your family and friends, it’s a quality PayPal alternative for those who want to accept payments and gain entry into the most widely used payment method on the planet.


  • More than 400,000 merchants are using Authorize.Net, so they’re doing things right.
  • Security and reliability are superior to those of the competition.
  • An app for mobile phones that is free as well as a swiper will be included when you sign up for an account.
  • The 24/7 support that is free is the best in business.
  • You are able to connect QuickBooks to your computer.
  • There aren’t any set-up fees for an account with a merchant account and Merchant account.


  • There isn’t the personal finance or sending tools that you get from PayPal.
  • There’s a monthly gateway charge of around $225.
  • If you sell internationally you must add an 1.5 percentage charge to international sales.
  • Chargebacks are $25.

PayPal Alternatives: QuickBooks Payments

Intuit may offer you a complete range of tools based on the requirements of your business. It’s well-known and can be paid through QuickBooks. QuickBooks tool. It’s also among the most effective options if you are planning to integrate it with QuickBooks for accounting capabilities also.


  • Integrate QuickBooks. QuickBooks.
  • Get gain access TurboTax.
  • Invoices can be sent just like PayPal.
  • Pay anywhere, anytime via mobile payments.
  • You can add the button to pay Now link on the site.
  • Accept ACH bank transfer.
  • Make payments more efficient by connecting payroll and timesheets.


  • The prices are affordable enough even if you’re not using QuickBooks.
  • This isn’t something you’d choose when you’re just seeking something to use to send your personal messages and receiving.


PayPal Alternatives: Dwolla

Dwolla might not be on your radar at first, but it is worth taking a look as it functions in a similar way to PayPal. The best thing about the company is its ability to accept and send payments from individuals and companies. If you are looking to accept or send many bank transfers, this is the best choice.

Dwolla, unlike PayPal, is not a payment processing platform. It facilitates fund transfer through linking directly to your bank account.

The good news about eliminating cards? Transaction costs are kept low. Dwolla’s primary goal is to help everyone who has a web-enabled device send money at the lowest possible price.

Dwolla doesn’t charge a penny to process funds below $10. Each transaction above $10 will be charged at a fixed rate $0.25. It’s that easy.

It makes PayPal’s 2.9% and $0.30 seem ridiculously high, especially if you handle a lot of transactions. For example, a merchant processing 10 transactions of $100 each would only pay $2.50 and Dwolla. PayPal, however, would deduct a staggering $32.


  • These branding tools are powerful yet easy to use.
  • It is very easy to transfer money from your bank account.
  • Transfers next day are available for a flat fee
  • Transaction fees are only $0.25
  • If necessary, let the sender pay any transaction fees
  • You can get instant cash transfers.
  • Automate large payouts like you would if your marketplace is running.


  • If both the receiver and sender don’t use Dwolla, payments can’t be made.
  • If you are not located in the United States, you can’t open an account with Dwolla.
  • Dwolla Business charges monthly fees, and they aren’t cheap.


PayPal Alternatives: Braintree

The Braintree program provides a way to store credit cards similar to Google Pay. Braintree has some additional personal finance features, but we prefer it for merchants. PayPal owns Braintree, but it is still a relatively independent company that can compete with PayPal.


  • Pricing is easy and straightforward.
  • Redeem recurring billing and store credit.
  • Braintree accepts payment via all methods including PayPal, Venmo, and cards.
  • PayPal offers a much more extensive list of features.
  • Customer support is known for being solid.
  • Online and mobile payments are both possible
  • A special marketplace payment system is available.


  • You may need to have programming knowledge if you plan on implementing Braintree onto your website.
  • To make the system work, you will need a separate merchant account.
  • The main fee covers transactions but there are many other fees you should consider.


PayPal Alternatives : Worldpay

This payment platform, formerly known as RBS Worldpay was a payment processor that accepts a variety of payment options including debit and credit cards. Its global network makes it a leading PayPal competitor.

The main difference between them is that they support both offline and online card transactions. Worldpay can be used in your online ecommerce store and in-store, just as PayPal.

Worldpay supports offline payments. It offers POS systems and ATM processing. You can also use its mobile payment function to accept cash payments.

Worldpay also offers a variety of pricing options, including tiered and interchange-plus packages. Your monthly average processing volume and your transaction history will determine the amount you pay per month.

However, offline card processing may cost you $0.30 per transaction in addition to the standard 2.9%.


  • Worldpay, just like PayPal has a large global payment network.
  • It supports many offline processing options.
  • Pricing is flexible.
  • Interchange-plus pricing can be used to increase transparency.
  • Worldpay provides 24/7 customer support.


  • You will be charged $295 for terminating the service before it ends.
  • A contract must be signed for three years.
  • The free terminal offer is misleading.


PayPal Alternatives: Amazon Pay

Amazon Payments is the best option for allowing people to checkout your online shop. It speeds up the entire process in a manner similar to PayPal, but not ACH payments nor bitcoin transactions. It is similar to a Facebook login. All of the user’s information is stored in this way. The login or checkout with Amazon Payments will be faster than a regular shopping cart checkout.


  • Transaction fees are the same as PayPal.
  • Security is superior to that of other competitors.
  • Sign up for an Amazon account to get started.
  • Amazon is well-known to everyone, so it will be easy for your customers to pay.


  • There are also some fees that may not be listed such as cross-border processing fees or domestic processing fees.
  • It may require some programming knowledge to integrate with your online shop.


PayPal Alternatives: Klarna

Klarna’s AI system makes this possible. It quickly assesses the risk of an individual based on their details as well as their transaction history and time of purchase. Within seconds, it approves or denies purchase. Then order fulfillment occurs. The customer has 14 days to pay the balance.

Klarna is responsible for most of the risk, so customers can shop easily. Klarna is also involved in the ecommerce order fulfillment.

You don’t even need to sign up for the service in order to connect with your bank. Simply enter your online banking details and authentication and you’re good to go! The merchant account receives payment immediately.

This is compared to the hassle of registering on PayPal, then loading your account before you can finally conduct transactions.


  • After delivery, customers can order products and make payment.
  • It is easy to complete the checkout process.
  • Shoppers can pay in installments for their orders.
  • In the unlikely event that products are returned, customers don’t need to pay anything.
  • Klarna pays merchants at the time of checkout.


  • Without a reason, purchases can be canceled.
  • Klarna’s customer service is not responsive.
  • Customer refunds might take some time.


Paypal Alternatives: WePay

WePay was launched to compete with PayPal. It is a card processing system that supports online payments. It is still working on an in-store payment system.

However, WePay’s online functionality is not limited by the absence of brick and mortar support. It should be easy to set up and use its secure features to facilitate standard electronic commerce transactions.

WePay is the best online crowdfunding platform. This transaction type is perfectly optimized for WePay’s API and features.

WePay is compatible with many third-party payment platforms. It turns out, however, that it can’t accept payments from PayPal.

You can expect to pay a fee of 2.9% plus $0.30 per card transaction and 1% plus $0.30 processing ACH payments . That’s all. WePay will not charge you anything else.


  • The WePay API provides flexibility.
  • It is easy to get your account set up.
  • It is well-tailored to be used for crowdfunding.
  • WePay offers a variety of online payment options.
  • ACH payment processing costs are very affordable.
  • WePay is free and there are no monthly fees.


  • WePay does NOT offer card processing in-store
  • PayPal funds are not accepted.
  • WePay’s ecommerce features may not be as robust as PayPal’s.

Read our comprehensive WePay review.

What PayPal Alternative Should You Select?

It is understandable that some people used to hesitate to leave PayPal due to compatibility issues. This is no longer the case. You can find better solutions to do business in different regions of the globe.

The rates aren’t as competitive as other options, and PayPal has been subject to a lot of lawsuits. While we don’t recommend that you abandon PayPal, it is a good idea to try as an alternative. You never know what you might find. You might end up saving money and feeling happier working for the company that you choose.

While some options are more suitable for personal sending and receiving than others, others are ideal for ecommerce payments. You may be just looking to send ACH bank transfer. Skrill or Dwolla are good options if you want to almost duplicate PayPal transactions. 2Checkout is a great option if you need to make transactions in any country. Google Checkout is great for storing cards while Authorize.net or Stripe are the best for ecommerce transactions.

Transfer Wise however, is the best option for international payments.

You can ask any questions in the comments section about the top PayPal alternatives.

Feature photo courtesy of Tatiana Van Campenhout


Related posts
Ecommerce Website BuildersWordPress

The7 WordPress Theme Review (Nov 2021): Ecommerce Website Building at its Finest

Take a look at our review to find out whether The7 WordPress The7 theme would be the right one for…
Read more

The Best Print-on-Demand Jewelry Dropshipping Companies

Here’s how to market POD jewelry. Are you searching for the top print-on demand jewelry…
Read more

The Best WordPress Ecommerce plugins (Nov 2021)

With the fact that the market is huge that we had to figure out what free WordPress eCommerce…
Read more
Become a Trendsetter
Sign up for Davenport’s Daily Digest and get the best of Davenport, tailored for you. [mc4wp_form id="729"]