StartupStash Team
StartupStash Team

The world's biggest online directory of resources and tools for startups and entrepreneurs. Most upvoted product of all-time on ProductHunt.

Best PayPal Alternatives Around The Web

PayPal is usually referred to as venture capitalist and billionaire Peter Thiel’s “first child”. Some of the big founders and investors of YouTube, Yelp, Tesla, Linkedin, or Facebook all have PayPal in common. Nevertheless, over the years, other great PayPal alternatives have emerged and for good reasons. 
So, is PayPal the best way to pay online nowadays? We should see, or better, let us help you be the judge of that!
What started as a company creating security software for handheld devices in 1998 later turned into a digital wallet and one of the first electronic payment systems out there. PayPal has had an ace up its sleeve all these years: the ease of use. 
It seems everyone has a PayPal account for transferring money or for digital wallet use, especially freelancers who have to collect payments for their diverse services every month. But it also seems people are constantly looking for PayPal alternatives as well.
One big advantage PayPal has for freelancers is that they don’t have to share their financial information with other contractors. Moreover, you don’t need a credit or debit card to withdraw funds. A regular bank account is enough.
PayPal also offers a lot of services for businesses. It can also be a reliable payment gateway for merchants, offering integrations via shopping carts, customizable checkout, and all the rest.
Why check other PayPal alternatives?
PayPal’s taxes and fees are very transparent, so you know what you’re in for from the beginning. However, some companies might not like them, nor do they enjoy PayPal’s customer service.
This is where it becomes a “love-hate” relationship. PayPal is known to be a “whimsical” partner sometimes, locking accounts and then asking questions. Their customer service has got a bad reputation and is one of the main reasons why it has fallen out of fashion with many individuals and businesses over the years. 
The second biggest reason is that there are great PayPal alternatives out there. So, we’ve compiled the best 20 of them.
These PayPal alternatives might not all offer the whole range of services PayPal does, but they’re worth looking at just in case you don’t want to put all your eggs in one basket.

Check Out These Best PayPal Alternatives

Payoneer is an online payment company with a broad global presence. Thanks to its rather low fees and seamless intuitive system, many freelancers and businesses worldwide prefer it. Payoneer boasts an all-around set of digital payment services, even a cashflow solution for eCommerce vendors on Amazon and Walmart.

Moreover, Payoneer helps you pay your VAT directly from your account. You can pay your suppliers from your balance, for free and you don't even need a bank account to withdraw money.

Skrill has been around for almost 20 years now, and it is more than a digital payment platform. Sending receiving money is just its basic function.

With Skrill, 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.

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.

2checkout offers multiple payment options, including debit cards or credit cards and, funny enough, PayPal itself.

It integrates with Shopify, WooCommerce, and Bigcommerce, and you don't need to be a programmer to use it.

It can process about 90 different currencies, (that's a big number) and "knows" 15 languages. It also offers recurring billing services and other nice functions for your e-commerce business.

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.

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.

QuickBooks can do magic in tracking your sales and profits and display them in rich visual reports.
Creating and sending invoices looks like child's play, as well. Moreover, you can share your account with your accountant, and up to five other users, depending on the package you've purchased.

What else can QuickBooks do? Tax calculations, estimates, add online pay link in invoices, synchronizing banking data. What else would you have it do?

Much like PayPal, you can use ProPay to send and receive payments worldwide. Its party piece is its ProPay Jak, a mobile phone credit card reader that you can use to process cards in real-time. And since we're at the cards department, let's not forget about their new EMV Chip Card Reader. You can connect it to your smartphone via Bluetooth and swipe traditional cards all day.

All in all, ProPay is a nice tool offering payment solutions to small businesses, in a wide variety of industries.

When you say "Amazon", there's almost no description needed. However, Amazon Pay is a relatively new player. It was launched in 2007 as a payment solution that uses all the payment details stored in your Amazon account.

It has evolved ever since and today is a serious contender for the best payment tool on the market. These days, you can tell Alexa to pay using Amazon Pay, no additional touch needed. However, integrating the Amazon Pay payment gateway could prove a little complicated.

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!

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.

Although it is run by PayPal, Braintree provides its own share of advanced payment features and seemingly better customer support. Braintree is the "young kid on the block" teaching its grandpa PayPal some tech-focused payment solutions and tools.

Things like recurring billing, customizable sales reporting, and seamless integration with other third-party apps and services like BigCommerce, Shopify, Magento etc are part of Braintree. It also offers Python, PHP, Java, iOS, and Android libraries.

Venmo is also owned by PayPal, but it is friendlier and cooler than its big brother. The service is mostly designed for instantaneous payments between friends. It is quite common among millennials to "Venmo" each other money.

You can't use this tool to pay for Netflix, but you can use it to pay your friend your share of the Netflix subscription. Venmo also has an integration option for businesses and a debit card for shopping.

Payline's in-store credit card packaging solutions are almost unbeatable. The hardware part of their trade is also solid.

Their API eases third-party solutions integration. Moreover, Payline data supports mobile payments, to make their payment tools almost complete.

However, their pricing does not seem too transparent, so we're not sure how much you stand to pay for a customized business package.

Also, you should bear in mind that they're not available all over the globe.

Klarna has got Snoop Dog as a shareholder and image, and that shows in their branding. You can actually say they look fashionable.

Nevertheless, Klarna is not just "fancy pants", it's only got a series of powerful products and services.

It boats a very fast online payment procedure, offers a debit card to users, and a 360° payment page with fraud check for merchants.

Klarna can also integrate with Google and Apple Pay and has got an intuitive customer portal with variable payment terms.

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.

Worldpay is a payment gateway service which also allows PayPal transactions. With some competitive pricing plans up their sleeves, Worldpay looks like a more efficient solution on the long-term.

It integrates with several apps and different business systems, from ApplePay to Oracle or QuickBooks. It supports many point-of-sale types of systems, including ATM processing.

As an online business you also receive mobile payment support for cash and cards. It looks solid.

FastSpring offers support for multiple payment methods, currencies and languages.

It accepts global payment methods such as credit and debit cards, PayPal, Amazon Pay, Wire Transfer or GiroPay.

It boasts an average payment success rate of 90%, thanks to locally processed transactions, multiple payment gateway partnerships, and the rerouting of failed transactions.

Viewpost features an intuitive management dash where you can easily manage countless of customer invoices. Yes, apparently there's no limit there.

It integrates well with a considerable number of accounting software products.

It's also got automatic payment reminders which are easy to set up, and you can even create recurring invoices for the customers you work on a monthly basis with.

Viewposts also tracks early payment requests and integrates well with other accounting software.

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 with an award-winning API integration.

You can use Popmoney both from a bank's website (if that specific bank offers the services), from their website or from a mobile device.

You can send money to a person's e-mail or mobile, and they will get notified when they've received the money.

You can also request money yourself from a certain person or group, and get notified so.

It's a pretty simple, straightforward payment system that might have fallen out of fashion with some people, these days.

However, it's good to know about it

Although looks rather old-fashioned, and has had a quite tumultuous history, it is still offering credit card processing services to businesses, and is worth a mention on your list.

Their services include a web-based virtual credit card terminal, free online shopping cart with seamless checkout, and SSL certificate protection.

You can create a merchant services account very easily and begin building your payment systems.

They boast no setup or cancellation fees.

Paylane is Level 1 PCI DSS compliant; they also offer 3D Secure verified by all the big league players, like Visa and MasterCard.

They're a Polish team and have a general good vibe. They offer a broad range of features, like recurring payments, card data storage, Online payments API, E-commerce payment plugins, merchant services and so on.

Moreover, they keep a very up-to-date blog on their website and have also created a geeky "Developer Zone" where they teach plugins, integrations etc.

Coinbase makes it easy for the average person and business to use the digital currency Bitcoin. Coinbase lets any consumer create a Bitcoin wallet and start buying/selling Bitcoin instantly by connecting their bank account.

Coinbase provides a series of merchant tools that support some of the most highly trafficked sites on the internet. Coinbase processes the first $1,000,000 of merchant orders for free, with a simple 1% fee after that.

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 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.

In 2018, eBay abandoned PayPal for Adyen, its 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 less bookkeeping issues.

Their flexible platform payment solutions features seamless integration focused on user experience and results-tracking.

They are a little cheeky in communication, stating that you should "never buy or sell online" without using their Of course, you're to be the judge of that.

Anyways, fills a gap that other online payment processors like PayPal might have: guarantee that both the seller and the buyer get what they've bargained for. has been acquired in 2015 by, given the fact that escrow services are usually very much used by freelancers worldwide.

Payline by Monext focuses on its mobile application and mobile payment solutions. It's got a series of useful features, like card and mistake recognition, as well as automatic retry function. It routes transactions to the most suitable banks and has a pretty performant anti-fraud module.

With Payline, you also get analytics reports and real-time analysis of your payments. The service can even identify customers and buying habits. It's definitely worth a look.

StartupStash Team
StartupStash Team

The world's biggest online directory of resources and tools for startups and entrepreneurs. Most upvoted product of all-time on ProductHunt.

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