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Payoneer Alternatives: Online Payment Gateways That Make Life Easy

Payoneer is an American and Israeli financial services company that offers services such as online money transfer, digital payment services, and more. Users can send and receive funds using a digital wallet, a virtual bank account number in a local currency, or a prepaid MasterCard debit card.

Payoneer is used by large companies such as Airbnb and Amazon to make global mass payments. Though it is a great tool, Payoneer can be quite expensive for a small business. In case you're looking for cheaper tools, we have put together a list of Payoneer alternatives.

But before we get to that, let's examine if payment tools are even necessary. The fact of the matter is that they are unavoidable in the digital age. According to a report by Statista, the worldwide mobile payment revenue in 2015 was 450 billion U.S. dollars and is expected to surpass 1 trillion U.S. dollars in 2019. These numbers mean all readers of this article will use a mobile payment application if they haven't already!  In light of the COVID-19 pandemic, this is especially pertinent for everything going online.

One of the main advantages of payment tools is that they make life incredibly convenient. People can send money across the world in an instant using nothing but a cellphone. It's a no brainer! Anyway, we have a list to get to. Here is that list of alternatives to Payoneer we promised!

PayPal's top features include PayPal Express checkout for companies that accept credit cards; PayPal Payments Standard for basic payment plans. Moreover, with the PayPal Payments Pro, you can host a checkout on your website, while it also boasts a feature that allows you to set up recurring payments.

Freelancers and contractors can use online invoicing that is quick and easy to use for the services they perform. PayPal has also developed a mobile app for collecting payments on the go.

Square offers complete, 360° online store solutions, from the creation and implementation process to integration of the payment APIs. They are also big on contactless service and chip card readers.

Don't be mistaken, Square is very much a payment tool and it offers all the necessary services. You can still send money, get paid, and invoice online through them, but that's just part of the picture. You should check them out and their broad array of services!

Google Pay, much like Apple Pay, stores your cards in a digital Wallet. However, all your payment data is not stored locally on your phone, but on Google's servers.
When you make a payment with Google Pay, the transaction is basically between the servers and the specific merchant.

Google also provides a physical card which can be used both as a debit card or gift card. If you have a Google Business account for your online store, you can accept Google pay from your customers, hassle-free.

Skrill has been around for almost 20 years now, and it is more than a digital payment platform. Sending and receiving money is just a basic function. With this tool, you can buy and sell crypto. You can get a pre-paid debit card issued to your account, or even set up a merchant account for your business.

Moreover, the Skrill Money transfer platform can deliver the money into your bank account, on the same day, if you're lucky enough.

Transferwise is an online money transfer service that enables you to create a multi-currency account. Its exchange rates are, simply put, beautiful. Basically, you can send money to your family or employees abroad on a more profitable basis. You can get paid in more than one currency, without losing much on the exchange rates.

Transferwise also allows you to pay your bills in different currencies as well, on a real exchange rate. Pretty cool, right? Be wise and use Transferwise.

Stripe powers payments for thousands of businesses of every size, from startups to Fortune 500 companies. It is easy to use and create a payment experience with it. In addition, it handles security and daily transfers to your bank account like a dream.

Although it has been around for 10 years now, it was only a couple of years ago that it became a good contender for PayPal itself. Stripe is definitely worth a shot, the creators seem to know what they're doing.

Apple Pay doesn't need much of an introduction. You're probably already using it to pay in stores or to make in-app purchases. Apple Pay has also invested in an easier and quicker way of sending money to other people, or splitting a restaurant bill, for example.

You can do all these operations just by asking Siri or even get paid through Messages. Moreover, you also get the Apple Wallet which enables you to keep all your cards in one place. And it looks secure.

Authorize is a renowned payment processing company handling digital transactions for businesses. It supports almost anything, from debit cards, to e-checks, Apple Pay, PayPal or Visa Checkout. The invoicing process works smoothly, while the recurring payments are a nice useful touch for any business.

Authorize also lets developers tap into their SDKs and client libraries for optimal digital payment integration. The company actually pride themselves on their award-winning API integration.

BlueSnap offers a wide range of payment tools, much like its rival PayPal. You can create a merchant account, where you can manage your payment gateway and processing. The platform also offers mobile checkout, marketplace payments and a performant API.

It's got 3D secure and it is PSD2 compliant. It can integrate with more than 100 third parties, and it offers something more than PayPal- Intelligent Payments Routing.

In 2018, eBay abandoned PayPal for Adyen, it's way smaller European competitor. So, this says a lot about this relatively "new kid on the block". They offer customizable B2C payment experience, with easy-to-implement discounts, or other types of rewards.

Their B2B payment system promises flexible payment options and fewer bookkeeping issues. Adyen's flexible platform payment solution features seamless integration focused on user experience and results-tracking.

WePay is a payments API company that has built its API specifically for platform businesses like marketplaces, crowdfunding sites and small business software. These platforms are empowering millions of users worldwide to unlock all kinds of creative commerce.

Through its proprietary Veda social risk engine, WePay gives platforms a flexible payments API that provides a great user experience while still being able to take on all their fraud risk and compliance burdens.

Dwolla allows you to send and receive payments, much like PayPal. They work with all US banks and credit unions. They offer payment API and easy integration with other useful platforms, such as QuickBooks, Plaid, or Slack.

Moreover, Dwolla features account-to-account transfers, next day or same-day ACH transactions, wire, push-to-debit and real-time payments. All in all, they look like they mean business.


The world's biggest online directory of resources and tools for startups and the most upvoted product on ProductHunt History.

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