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PayPal Alternatives: Online Payment Tools To Make Life Easier

Paypal is a mobile banking platform that is designed to meet the needs of both individuals and businesses. Users can transfer and receive payments across borders and currencies. PayPal comes with features such as instant and split payments and comes with features such as data tokenization and two- factor authentication.

PayPal is quite a robust tool and does the job well, but its transaction fees can make it quite expensive for small businesses. In case you are someone looking for cheaper alternatives, read on. StartupStash has just the PayPal alternatives list for you.

But before we get into the alternatives, let us first answer the most basic question- Are payment tools even necessary? The answer is that whether they are necessary or not, they are inevitable. In today’s digital age, online payments are omnipresent. As more and more businesses start operating across borders, online payment tools are the easiest way to conduct transactions.

Payment tools are also handy because businesses can generate invoices and keep track of transactions. All in all, if you haven’t started using online payment tools yet, now would be a good time to start. You don’t want to be fumbling around at an ATM trying to draw money.

Before we forget, here are alternatives to PayPal we promised!

Payoneer is clearly the better alternative when it comes to security as it has experienced fewer attacks compared to PayPal . They invest a lot of money on security. Payoneer also fares better when it comes to transaction speeds. Payoneer is also cheaper to use than Paypal.


Skrill is more cost-effective than PayPal. While PayPal charges its users 3.75% of the transaction amount as debit fees, Skrill is free of charge for the buyer.

Skrill only charges the seller a small fee. Skrill also provides free support whenever the user encounters any issues.


Transferwise is the  cheaper tool when compared to PayPal with respect  to international transactions. Transferwise also  has a more transparent pricing policy. What you see is what you get.

One of the main advantages of GooglePay is that it charges zero debit fees as opposed to PayPal’s 2.9% plus tax. GooglePay is also built to integrate with other Google Services, which makes transactions as easy as a click! GooglePay is being used even by small tea shop owners in India, which is a testimony to its ease of use.

2checkout is one of the best tools in the market for eCommerce business owners. 2Checkout can process 87 different currencies in 15 languages. You can connect with over 180 countries as a seller.

2Checkout also allows you to integrate over 100 shopping carts without any coding knowledge.

Stripe offers recurring billing unlike PayPal. It also offers data portability and the assurance that your payments are processed entirely on your website. In addition, Stripe supports a few more CMSs than PayPal.

One of the biggest advantages of WePay is that it has a very simple pricing structure. WePay does not redirect the customer to third-party sites and allows users to manage transactions onsite, even on the free version. In contrast, you would have to pay between $10 to $35 per month to access this feature on PayPal.

QuickBooks is really easy to integrate with all the other QuickBooks platforms and offers more features than PayPal. It also has a better pricing plan. In addition, QuickBooks even works on Linux!

ProPay offers more integrations compared to PayPal and offers a web-based tool as well. Though PayPal is a more popular tool, ProPay offers better terms and functionality for businesses.

PayPal users receive all payments in the same transaction stream, which can make it difficult for businesses that make sales on multiple venues. ProPay, on the other hand, separates its eBay transactions into a separate stream which makes things easier.

Amazon Pay offers a more streamlined checkout experience where customers never leave the merchant’s website even  when using the free version. On the other hand, PayPal only offers this feature with the paid versions.

In terms of security, AmazonPay leaves no stone unturned when it comes to keeping data and transactions safe. Unlike PayPal, AmazonPay also offers integrations with other eCommerce platforms.

What sets Square apart from PayPal is its feature-packed POS software that lets you manage every aspect of your business from inventory to sales to employees, to customers and more. The best part is that it’s all free! Square also offers more options in terms of Point-of-Sale systems.

Square also comes with a free magstripe credit card reader upon signup. Square also comes with no chargeback fees whatsoever, which is a big plus!

Dwolla is a better tool than PayPal when it comes to training. Their comprehensive training options can be really handy for someone just starting out. It is also one of the best tools in terms of transaction fees.

The coolest thing about Dwolla is that you can even transfer money on Twitter.  Just tweet the Twitter handle of your cash recipient and amount you’re transmitting and add “#dwolla.” The money gets deposited to the recipient’s Dwolla account in real time.

Braintree is one of the best tools out there for businesses, Braintree also offers a pro option free of charge, unlike PayPal which charges up to 30 $ a month.

Unlike PayPal, Braintree also allows for integration with other payment gateways. In addition, Braintree provides advanced developer tools.

Venmo is the preferred option when it comes to small transactions. In terms of ease of use, Venmo is definitely easier to use than PayPal. It is really easy to install and anyone can use it.

Payline data is the better tool when it comes to offline transactions as it is cheaper. Payline data also offers more retail options compared to PayPal.

Another advantage of using Payline is that it provides in depth reports, which can be really handy for businesses to keep track of their transactions.

Klarna’s Checkout function takes over the entire checkout and fraud check for the merchant and drastically reduces the process on the customer’s end. It also comes with a physical debit card for users.

What’s more, Klarna comes with an endorsement from the O.G. Snoop Dogg himself, who also is a shareholder. Need we say more?

Unlike PayPal, BlueSnap offers recurring billing and APIs. Users also gave BlueSnap higher ratings when it comes to customer service. This tool offer global processing so users  can sell anywhere in the world.

BlueSnap also supports more than 100 payment types, including popular eWallets. It also comes with a hosted checkout option that eliminates development time and minimizes  PCI burden. These are just some of the features that make it better than PayPal.

Worldpay comes with more features and offers discounts when a certain number of transactions have been completed. Worldpay is also much much better when it comes to customer service. WorldPay will also overtake PayPal when it comes to cost.

FastSpring is a cheaper tool when it comes to small transactions. FastSpring is also really easy to use. They handle sales tax, order fulfillment, fraud protection, and other aspects of transactions.

This tool actually moves beyond being just a payment gateway and offers the functionality of a ecommerce gateway.

Viewpost is completely free when it comes to receiving payments, whereas PayPal charges up to 2.9 % plus tax for similar transactions. Viewpost also comes with advanced invoice tracking.

You can also save time with a full-featured billing and payment solution that works whether you’re a freelancer or a large enterprise.

Authorize.Net comes with an Advanced Fraud Detection Suite (AFDS), which consists of 13 filters that users can customize to flag any potentially suspicious transactions.  PayPal doesn’t come close when it comes to security.

Authorize.Net has been working with small businesses since 1996. With more than 43,000 merchants, they handle more than one billion transactions and facilitate $149 billion in payments every year

Popmoney is a great tool for person-to-person (P2P) transactions with people you know and trust. Popmoney is also cheaper in terms of transaction fees. Sending money through Popmoney costs just $0.95, whether you’re using a bank account or debit card.

If your bank partners with Popmoney, the payment process is  effortless. You don’t even need to set up a profile or enter any extra information. The service is integrated into the banking apps and websites you already use.

Charge is one of the best platforms out there for credit card transactions. They offer completely free software and charge no application fees. Many businesses around the world, both large and small trust Charge with their credit card payments.

Paylane is the better tool when it comes to training and documentation. This tool enables merchants to accept payments from all popular credit cards as well as alternate payment gateways  such as PayPal through a convenient, unified platform.

Recurring payments, MOTO payments and payments using multiple currencies are all possibilities open to users of Paylane. Paylane also offers great data security.

Coinbase is one of the best tools out there for cryptocurrencies. It comes with a price reminder feature which allows users to keep an eye on the prices in the market.

One of the best things about Apple Pay is that it is free of cost for the pro service. This tool integrates well with the different Apple offerings, making it easy to use. It also offers advanced security features such as fingerprint and facial recognition.

Adyen is the best tool when it comes to customer service. Adyen supports over 250 specific payment methods and all valid currencies. Their broad payment methods network offers 187 transactions and 17 settlement currencies across six continents.

One of the best things about Escrow is that there are no chargebacks. Escrow works for both the buyer and the seller with features such as merchandise tracking and prepayment merchandise return.

Escrow is also safer than PayPal as it has a more robust verification system. One of the main advantages is that Escrow also acts as an intermediary between buyers and sellers incase disputes arise.

Payline by Monext offers more integrations compared to PayPal and is available on Linux devices too. Payline is particularly ideal for in-store payments. This tool is cheaper and way more flexible than PayPal when it comes to facilitating retail transactions.


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

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