In Q1 of 2021, PayPal had392 million active accountsworldwide. The platform facilitates payments for more than28 million businessesand offers a fairly transparent fee structure. But what happens if you want to explore alternatives to PayPal?
You might be in this situation if you want:
- Seller protection for digital goods
- Lower fees for chargebacks
- Faster turnaround for withdrawn PayPal funds (PayPal can take up to four business days to show up in your account)
- A more hands-on customer success team
Luckily, I’ve got the top PayPal alternatives listed below. From Bitcoin-friendly to global-ready — find a solution that works foryou,your business, and your customers.
Best PayPal Alternatives
- Google Pay
- WePay
- 2CheckOut
- Authorize.Net
- Skrill
- Intuit
- ProPay
- Dwolla
- Braintree
- Stripe
- Payoneer
- Amazon Pay
- Wise
- Venmo
- Square
- Payline
- Shopify Payments
- BlueSnap
- Viewpost
- FastSpring
- Ayden
- Fattmerchant
- Klarna
- Propay
- Adyen
- Stax Pay by fattmerchant
1.Google Pay
你的客户可以支付应用内,店内或在你身上r website. Google Pay allows businesses to enable shopping across all devices reducing the frequency of forgotten passwords and missed conversions. You can also deliver custom mobile offers and recommendations to your customers, share loyalty and gift cards, and reduce the need for ticketing.
- Implementation:Developer documentation
- Price: Free
- Apps:Android|iOS
2.WePay
WePay offers integrated payments for platforms. It’s built to enable instant onboarding and processing "with the scale of JPMorgan Chase." Specializing in unique online, POS, and omnichannel software platforms, WePay enables businesses to embed transaction and payout capability with a single integration.
- Implementation:Developer documentation
- Pricing: Available upon request
3.2CheckOut
Looking for a global option? Consider 2CheckOut, which offers eight payment types, 15 languages, and 87 currency options in more than 200 global markets. The platform provides a mobile-friendly experience with branding customized to your business.
Plus, you’ll enjoy 300 fraud rules per transaction, higher PCI compliance, and easy integration with more than 100 online carts and extensive documentation.
- Implementation:Developer documentation
- Pricing: Varies by plan
- 2SELL, 3.5% + $0.35 per successful sale
- 2SUBSCRIBE, 4.5% + $0.45 per successful sales
- 2MONETIZE, 6.0% + $0.60 per successful sale
4.Authorize.Net
Accept electronic and credit card payments in-person, online, or over the phone with this payment gateway service. Working with small businesses since 1996, Authorize.Net has more than 43,000 merchants, handles more than one billion transactions, and facilitates $149 billion in payments every year.
It’s a subsidiary of Visa and sold through resellers including Independent Sales Organizations, Merchant Service Providers, and financial institutions. You’ll receive free, 24/7 support and an award-winning API integration.
They also integrate easily with PayPal, Apple Pay, and Visa Checkout allowing you to accept customer payments worldwide — as long as your business is based in the United States, Canada, United Kingdom, Europe, or Australia.
- Implementation:Developer documentation
- Pricing: Varies by plan
- All-in-One Option, no setup fee, free monthly gateway, 2.9% + $0.30 per transaction
- Payment Gateway Only, no setup fee, monthly gateway $10, $0.10 + a daily batch fee of $0.10
- Enterprise Solution, tailored pricing, data migration assistance, interchange plus options
5.Skrill
Skrill allows you to send and receive money, store cards, link bank accounts, and make payments with just your email address and password. Skrill "wallet holders" also only pay fees of 1.45%, so you get to keep more of the money from every transaction. Whether you’re using Skrill for business or personal use, you’ll receive access to global support in more than 30 countries.
- Pricing:它是免费的开一个个人帐户
- More information ontransaction fees here
- Apps:iOS|Android
6.Intuit
QuickBooks Payments promises you’ll get paid twice as fast if you use their service. They allow you to take mobile card payments, send invoices online, and set up recurring billing.
You’ll get real-time alerts when customers view or pay invoices — and payment reminders are all automated. And all that invoice data entry? It appears in QuickBooks in real-time without needing any adjustments from you.
- Pricing: Varies by plan
- Pay as you go, $0 per month — Bank transfers (ACH), free
- Card — Swiped, 2.4% + $0.25 per transaction
- Card — Invoiced, 2.9% + $0.25 per transaction
- Card — Keyed, 3.4% + $0.25 per transaction
- QuickBooks Payments for Web Stores: Varies by plan
- Pay as you go, $0 per month
- Pay monthly, $20 per month
- Swiped qualified rate, 2.4% pay as you go or 1.6% monthly
- Keyed qualified rate, 3.5% or 3.3%
- Transaction fee, $0.30 for pay as you go and monthly
7.ProPay
ProPay offers payment solutions for small businesses, enterprise businesses, and a variety of industries, including direct selling, auto dealers, and legal. They facilitate credit card payment and payment processing and offer global disbursement and commission payment options.
ProPay also offers payment solutions for SaaS platforms, marketplaces, and software providers through pay-by-text or "one-click," email payments.
- Implementation:Developer documentation
- Pricing: Available upon request
8.Dwolla
Dwolla prides itself on being developer-friendly and easily integrated with your application. It has a white-label API, which means your customers always interact with the interface they trust — yours. Customer identity is verified without third-party site involvement and it’s easy to add bank accounts.
Dwolla will also automate your payments and send up to 5,000 payments with a single API request. It also boasts a 99.9% uptime, sophisticated security, predictable pricing, and a hands-on customer success team.
- Implementation:Developer documentation
- Pricing: Varies by plan:
- Pay-as-you-go: 0.5% per transfer
- Launch: $250 per month
- Scale: $1,000 per month
- Custom: $2,000 per month
9.Braintree
Braintree is actually a PayPal service. Braintree Direct, Braintree Marketplace, Braintree Auth, and Braintree Extend offer payment solutions customized to the unique needs of your business.
这使它easy to accept online and mobile payments in more than 130 currencies and more than 45 countries. And adding Hosted Fields to its Drop-in UI means your users will enjoy a seamless checkout experience.
- Implementation:Developer documentation
- Pricing: Varies by plan:
- Standard pricing, 2.9% + $0.30 per transaction
- Custom pricing available upon request
10.Stripe
Running an internet business? Stripe could be right for you. It's a "developers first" company that believes "payments is a problem rooted in code, not finance." With its easy API, you can have Stripe up and running in just a couple of minutes.
- Implementation:Developer documentation
- Pricing: Pay as you go:
- 2.9% + $0.30 per successful card charge, + 1% on international cards
- 0.8% and a $5 cap on ACH debits
- Custom pricing available upon request
11.Payoneer
Whether you're a business owner, freelancer, or professional, Payoneer can help you get paid quickly, securely, and at low cost by international clients. It specializes in diverse markets and industries, so it doesn’t matter whether your company is focused on e-commerce, online advertising, or vacation rentals.
Payoneer has 4 million users in more than 200 countries and can handle your business with ease. Simply sign up for Payoneer, begin receiving online payments to your Payoneer account, and withdraw funds from your local bank or ATMs worldwide.
- Implementation:Developer documentation
- Pricing: Payments from other Payoneer customers, free
- Receiving accounts using Payoneer’s Global Payment Service, free
- Payments directly from your customers, 3% on credit cards in all currencies and 1% on eChecks
- Payments via other marketplaces and networks, pricing varies
12.Amazon Pay
Amazon has portals for merchants, shoppers, and charities. Your customers will find it easy to use because they’ll log in using their Amazon account information and check out using the same Amazon process they already trust.
Plus, you get the extra security of Amazon’s fraud protection at no additional cost. All transactions are completed on your site and Amazon Pay integrates with your existing CRM. It’s also available across devices, so you can manage payments on the go.
- Implementation:Developer documentation
- Pricing: 2.9% + $0.30 cents per domestic U.S. transaction, 3.9% for cross-border processing fee, and $20 for disputed charges
13.Wise
Wise bills itself as "a cheaper way to send money internationally." Send and receive money with a Wise borderless account, join the waitlist for a Wise debit card, run payroll or batch payments, get paid as a freelancer, and even explore the payouts API.
它还声称最公平的汇率,banishes hidden fees, and completes 90% of transfers from the U.K. to Europe in one business day. If you conduct a high volume of international transactions, Wise is worth checking out.
- Pricing:View fee structure here
- App:iOS|Android
14.Venmo
你可能用Venmo fo还给朋友r pizza or concert tickets — but did you know Venmo works for business transactions as well? Add the platform to your mobile website or app and use Venmo’s social benefits as bonus marketing for your business.
You’ll need to integrate with eitherBraintreeorPayPal Checkoutto add Venmo as a payment option, but if the social aspect of payments intrigues you, Venmo is worth a look.
15.Square
Select your business size and type and you’re signed up for Square. It works best for retail and in-person transactions and offers two main plans. Square Point of Sales allows you to accept cards, cash, check, and even gift cards, print or digitally send receipts, process invoices and recurring payments, and enjoy real-time inventory management.
A big bonus here? You can also swipe cards without a connection, so you never have to worry about losing business from outages again.
Square for Retail allows you to sell faster with search-based point of sale, track, adjust, and transfer inventory, manager your vendors, and create customer profiles with every sale. You can also create cost of goods sold reports, send purchase orders, and set up employee time cards and permissions.
- Implementation:Developer documentation
- Pricing:View all pricing options here
16.Payline
Payline offers products that fit your business -- whether you’re in-store, mobile, or online. Payline has a variety of partnership options which allow you to customize your plan.
- Implementation:Developer documentation
- Pricing:See full plan breakdowns here
17.Shopify Payments
Accept credit cards directly with Shopify — no third-party required. Track your balance and payment schedule from a convenient store dashboard and get email alerts when new funds arrive in your bank account. Shopify POS makes it possible to accept credit cards — whether you’re on the go or in a retail store — all while taking advantage of rates as low as 2.4% + $0.30.
Shopify also facilitates Pinterest Buyable Pins, Facebook shops, Facebook Messenger, Amazon, eBay, and Enterprise-level accounts.
- Pricing: Varies by plan:
- Basic Shopify, $29 per month, online credit card rates of 2.9% + $0.30 in-person credit card fees of 2.7%, and 2% additional fees for non-Shopify payment providers
- Shopify, $79 per month, online credit card rates of 2.9% + $0.30 in-person credit card fees of 2.5%, and 1% additional fees for non-Shopify payment providers
- Advanced Shopify, $299 per month, online credit card rates of 2.4% + $0.30 cents, in-person credit card fees of 2.4%. and 0.5% additional fees for non-Shopify payment provider.
18.BlueSnap
Get a payment gateway solution, merchant account, and a suite of other features to help you grow your business. Intelligent payment routing offers optimized conversions, payment analytics, chargeback management, and risk management along with the ability to process more than 100 global payments.
BlueSnap also integrates with the platforms you already use, including your shopping cart, ERP, and CRM systems to make implementation a breeze.
- Implementation:Developer documentation
- Pricing: No monthly maintenance fee during your first year — after the first year the monthly fee is waived if your transaction volume is greater than $2,500/month
- Visa/Mastercard debit, $2% + $0.30
- Visa/Mastercard credit, 2.70% + $0.30
- Visa/Mastercard Corporate/Discover/Diners, 2.90% + $0.30 cents;
- American Express and non-U.S. transactions, 3.70% + $0.30 cents
- Custom pricing available upon request
19.Viewpost
Send and track professional, customized invoices, and access early payment discounts for greater control over working capital. Plus, save time with a full-featured billing and payment solution that works whether you’re a freelancer or enterprise company.
20.FastSpring
This "end-to-end" ecommerce platform specializes in companies selling software, content, or apps online. They enable global subscriptions and payments for digital companies (across web, mobile, and in-app) and integrate with the digital products you need to grow your business.
They offer omnichannel distribution enablement, a personalized ecommerce shopping experience, popup checkout for customers, subscriptions, and recurring billing. They also facilitate global payments with localized experience and offer tax management help.
- Implementation:Developer documentation
- Pricing:Available upon request
21.Adyen
Ayden is a multichannel option that allows your customers to use whatever payment method they see fit, whether that be online, in-app, or in store. The company boasts an impressive list of customers, including Uber, Ebay, and Spotify — and for good reason. The solution is dynamic, reliable, and accessible. Backed by a reasonable pricing structure, Ayden can work for businesses of any size.
- Implementation:Developer Documentation
- Pricing: $0.12 processing fee per purchase
- Apps:Android
22.Stax Pay by fattmerchant
Stax Pay is included in the broader Stax finance platform. It's a versatile solution that allows for fast, secure payments over the phone, on the go, or in-person with its Stax Pay Smart Terminal device. The platform can accommodate businesses of virtually every size and serves various industries — including retail, professional services, field services, and healthcare.
- Implementation:Developer Documentation
- Pricing: Plans starting at $49 per Month
Entrepreneurshipand business ownership isn’t easy, but these PayPal alternatives make it easier for you to manage the revenue coming in and out of your company, so you can get back to running it.
Originally published Jun 25, 2021 12:30:00 PM, updated June 25 2021
Topics:
EntrepreneurshipDon't forget to share this post!
Related Articles
Expand Offer
ctaSales Plan Template
Get it now