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PayPal is a giant, the de facto online payment service that we automatically gravitate to, thanks in no small part to its connection with eBay. But is it really the best and most secure method of making online payments? We look at 5 PayPal alternatives that you might consider switching to, or using in conjunction.

The “Strength” of PayPal?

Why do you use PayPal? It might be because you signed up to pay a seller on eBay, or because you run an online store that uses PayPal to take payments, something that is now possible offline.

The fact is, PayPal is an immense presence that many people around the world rely on. However, there is evidence that the crown is beginning to slip. More and more PayPal alternatives are appearing, giving consumers a new way to pay, one that might be cheaper, more flexible, more reliable, with better customer service or simply offering a better way of doing things.

Reasons to Consider PayPal Alternatives

There is a good chance that you’re happy with PayPal. Perhaps you’re fully invested in their way of doing things. Well, let’s think about that for a moment.

PayPal accounts regularly get blocked 5 Popular Services & Companies Blocked By PayPal 5 Popular Services & Companies Blocked By PayPal The PayPal versus BitTorrent battle always plays out in my mind like a Wild West showdown: "We don't want your kind in our town," PayPal says as he raises his gun. Women scream, men hide,... Read More , either because they’ve been hijacked (although in my experience, PayPal are always slower to act than the user) or because (according to those who have had their accounts blocked) someone at PayPal made a decision that didn’t reflect that facts. Whatever the case, it makes no sense to have a solitary online payment service relationship. Just as you use cash and plastic in the bricks and mortar stores, use a PayPal alternative wherever you can.

muo-finance-paypal-alternatives-payment

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After all, some people can’t always make or receive PayPal payments, and the fees the company charges can be prohibitive in some cases.

Perhaps the most important reason to choose an alternative to PayPal is that it isn’t the most secure method of payment. While useful for small amounts, if you regularly send larger sums you should rely on a service more suited to this.

Big names and new have got involved in the online payments market. Let’s look at the five alternatives.

Google Wallet

The US-only payment system enables users to employ credit cards, debit cards, loyalty cards and even gift cards to make purchases through their mobile phones, and on NFC-enabled smartphones make electronic payments in person, in addition to settling bills online.

muo-finance-paypal-alternatives-apps

Available for iPhone and various Android devices (among them, the HTC One, LG Nexus 5, Motorola Moto X, various Samsung Galaxy handsets), Google Wallet has yet to hit the big time worldwide, but is among the top PayPal alternatives for US users. It’s free to send and receive money from your linked bank account or from your Google Wallet balance (a $500 limit per 30 days), while credit card transactions have a 2.9% fee.

Interestingly, Google Wallet has started offering users free debit cards Google Wallet Now Offering All Its US Users A Free Debit Card For Offline Purchases Google Wallet Now Offering All Its US Users A Free Debit Card For Offline Purchases Google Wallet is now offering their US users a free debit card for offline purchases anywhere that accepts Mastercard or debit cards, as well as withdrawing cash from your Wallet account at ATMs and banks. Read More so that they can use the service offline.

Nochex

Based in the UK, Nochex is a relatively small service compared to the others mentioned here, but there is a strong chance that you have used it as an alternative to PayPal already, or at least seen it listed as a payment option. Integrated into over 50 shopping carts and online store applications, Nochex is also listed as an acceptable payment method on eBay, although its full integration into the system has taken some time.

muo-finance-paypal-alternatives-nochex

Suitable for sending money to contacts as well as shopping online, Nochex is a strong alternative to PayPal  – but you need to be aware that it does not get involved in disputes, so making a purchase via the service is something that you should do only when there is a robust dispute resolution system in place for you to use in the event of problems with the seller.

Amazon Payments

Think of a version of PayPal where you don’t have to pay the service as well as the seller. That’s Amazon Payments, which has been around since 2008 Amazon Payments - The new PayPal Alternative from Amazon Amazon Payments - The new PayPal Alternative from Amazon Read More .

muo-finance-paypal-alternatives-amazon

If you’re already using Amazon, there’s a very good chance that the online marketplace already holds your credit card details. With Amazon Payments, you can use your Amazon account credentials to login and make purchases on thousands of websites and apps with the Login and Pay system, without scrambling around for your credit card.

With Amazon’s usual protection also safeguarding the transaction, this is one of the stronger alternatives to PayPal. We’re just a little surprised it hasn’t been more widely adopted.

Dwolla

Several new and unheard of services have cropped up over the past few years as competitors to PayPal. While the big guns of Amazon Payments, Google Wallet and Apple Pay have had all of the attention, startups like Dwolla have been able to work relatively anonymously, perfecting their model.

muo-finance-paypal-alternatives-dwolla

This particular PayPal alternative offers something different, namely the absence of credit card and debit cards. Rather than linking a card to your account, it requires linking directly to your bank account.

Happily, for sellers there is no fee for using Dwolla for online shopping, and although it is free to send receive up to $10 to and from friends, amounts above this limit have a $0.25 fee. Dwolla offers telephone support to new signups.

Apple Pay

Completing the triumvirate of trusted brands expanding into online payments, Apple Pay – like Google Wallet – is currently restricted to the USA and is limited to certain iOS devices. Specifically, the iPhone 6 and iPhone 6 Plus are the only devices that can be used for Apple Pay in stores, while these along with the iPad Air 2 and iPad mini 3 can also use Apple Pay for payments within apps.

muo-finance-paypal-alternatives-applepay

In addition to an iCloud account, you’ll also need a supported card from a participating bank linked up to Apple Pay.

Again, like Google Wallet, the app supports NFC for contactless payments What Is NFC & Should You Buy a Phone That Has It? [MakeUseOf Explains] What Is NFC & Should You Buy a Phone That Has It? [MakeUseOf Explains] If you’re in the market for a new phone in 2013, you’re probably going to hear about something called NFC, and how it’s apparently changing the world. Don’t be fooled by the sales talk though.... Read More , and offers tools to add, remove and manage the cards you have associated with the service. Should your device become lost or stolen, Apple Pay can be suspended by signing into iCloud and activating Lost Mode.

Apple Pay is easy to use How To Use Apple Pay To Buy Things With Your iPhone How To Use Apple Pay To Buy Things With Your iPhone Your iPhone may some day be the only device you need to purchase products and services, but first you need to start using Apple Pay. Read More , and when we polled readers in 2014, 25 percent said they planned to use it Will You Ever Use Apple Pay? [MakeUseOf Poll] Will You Ever Use Apple Pay? [MakeUseOf Poll] We want to know all about people's intentions towards Apple Pay, and we have the MakeUseOf Poll to help us do just that. Read More , with almost 17 percent already doing so.

Avoiding Poor PayPal Alternatives

Just a few years ago, PayPal had the honour of being the online payment solution that everyone used, whether they wanted to or not. With the arrival of Apple, Google and Amazon into the arena, more and more people are realising that actually, they don’t need to use PayPal, especially if they’re already invested in the ecosystem of one of the three big competitors.

Just as importantly, however, has been the rise of the smaller competitors. Such competition offers opportunities for consumers, with the potential for strong innovation.

Sadly, some of these competitors fall short. For instance, WePay, an option that has been around since 2008 and cornered the market in donations to charities and crowdfunding projects, is particularly painful to use for some business owners. Payoneer, Skrill (which we’ve looked at previously Is It Worth The Switch? What PayPal Users Ought to Know About Skrill Is It Worth The Switch? What PayPal Users Ought to Know About Skrill Skrill, known in another life as Moneybookers, advertises fees and commissions that are often much lower than PayPal's. Their services very often trump PayPal's but at what cost? Read More ), Payza and Paymate all offer something new and different, but struggle to bring the same sort of competence and trust to online payments as PayPal’s more established competition. They’re promising alternatives, but lack the resources to provide comprehensive support.

Have you had problems with PayPal and switched to a new payment system? Perhaps you’re more interested in using just Apple Pay for all eventualities? Do you use a smaller service which we overlooked? Let us know in the comments.

Image credits: Yeamake / Shutterstock.com, Denys Prykhodov / Shutterstock.com, Gil C / Shutterstock.com, Denys Prykhodov / Shutterstock.com

  1. Rikke
    November 29, 2016 at 4:14 pm

    Christian, you raise a point that contradicts with all my experience with small/medium size service providers - lack of support. I believe that this is actually one of the strongest if not the strongest quality of smaller players. Being great at support is amazing opportunity for small/medium players to separate themselves from biggest, most popular and trusted players. I been using small star-up service that is currently only available in Europe (https://cardinity.com/) and so far I am happy with their service. But either way, small, medium or big size player, as long as there are many, as long as they are competing I believe the customer is winning anyway. More drive for innovation, more drive for improving quality, offering better service.

  2. FIËSTA ST 200
    October 17, 2016 at 12:35 pm

    Concerning the Near Field Communication (NFC), i know that a lot of European and American Banks, who does not say or advertsing that by using from the first NFC payment you must pay automatically each month ± € 0,50 (=± $0,54). Also € 6,= (= ± $6,59) a year. When you have 4 million customers it means earning € 24 million (= ± $ 26.380.680,-) a year. EXTRA benefit for ....????. Analising over all: is it not radiculous that you have first to pay(=NFC) for to pay.

    For example:
    A family with father, mother and 2 children are paying ± € 24,= (= ± $26,38) a year EXTRA.
    When there are 4 million bank accounts in this case the total amount is € 96 MILLION (= ± $ 105.552.960,-) BENEFIT a year!!!

    Do you realise that NFC is based on Blue Tooth Communication. The client before me at the cash deck can i see on my mobile or others. Than (intercepted) i can pay through and with her /his NFC mobile e.a. my shopping!! SAFE...???

    Do you know that you can switch off NFC in your own Bank Account..??
    Reason all banks has it automatically "switched on" in your own Bank Account!!!
    Have you received a message about this..?? "Switch off / on..??"
    No bank has announced this by introducing, which they say that this is the "new futural modern method of payment" !!!. A lot of banks are advertising on almost all channels in the world to go to use this method.

    Concerning: is NFC paying wel so secure or is the benefit for the banks more important..??

    • James Bruce
      October 17, 2016 at 2:17 pm

      NFC is not based on Bluetooth and cannot be intercepted by someone behind you at the cash register.

      I can't find a single example of a bank that charges to use NFC functionality, and banks don't have the ability to turn it off because it's optional on your phone anyway.

    • Christian Cawley
      October 19, 2016 at 7:20 am

      I believe you're mistaken about a great many things.

  3. TJ
    August 25, 2016 at 2:24 am

    The only thing stopping GayPal from becoming extinct isn't necessarily the lack of an alternative service provider, it is its kinship relationship to FleaBay. If another payment processing startup is allowed to compete with GayPal on FleaBay, people will flock away in droves from the sh!tty service.

  4. Brendan Keeley
    July 21, 2016 at 5:21 pm

    Paypal used to be a very good firm to deal with, I started with them about twelve years ago. If there was something that needed attention, you could rely on an intelligent response within a day or so. Sadly, they are so big (and big-headed) now, they can't be bothered. I have been the victim of fraud on Ebay just recently and all I get from Paypal are template replies that approximate an answer and "The case is now closed". Who the hell do they think they are? I will definitely be closing my accounts with Ebay and Paypal.

  5. Hila Rios
    June 6, 2016 at 3:43 am

    My PayPal was hacked and my entire checking account drained a few years ago. That did it for me. Given their unwise immoral stance on the "transgender" sickness, I'd NEVER go back!

  6. Barbara Kolodziej
    June 2, 2016 at 9:01 pm

    Bathroom issues aside, their customer service is ridiculously not helpful. There is no logic in that area and the automated service and the website are horrible. I'm shopping for an alternative.

  7. Jade Peonie
    May 31, 2016 at 1:08 am

    I worked at Paypal as a contractor and based on my experience there, I decided to never use Paypal again.

    • Christian Cawley
      June 2, 2016 at 7:46 am

      Thanks for sharing your experience, Jade!

  8. sscoop1
    May 4, 2016 at 2:53 pm

    I am dumping Pay Pal also because of the Very LEFT opinions

  9. writeby
    May 3, 2016 at 3:09 pm

    "...a disaster of a website redesign."

    Absolute complexity worsjip; a piece of sh**. Been with them as a niz since 2002; looking for alts, but they suck worse.

    Any intelligent entrepreneurs out there? This is fertile field for millions $$$$.

  10. KrisH
    April 30, 2016 at 8:29 am

    I'm UK based and agree with all of you re Paypal and recent U.S bathroom issues. I am looking for Paypal alternatives too. As regards Ebay alternatives, what about Ebid? This auction site is greatly in need of promotion, it has an easy to use interface and lots of categories to sell in. It needs critical mass, folks....get in there and start using it. I do.

  11. Margaret S
    April 30, 2016 at 12:04 am

    Amen , I'm looking for an alternative to paypal myself because of their stance on the Carolina law!

  12. Yvonne
    April 29, 2016 at 4:20 pm

    I too am looking for an alternative for paypal. Occasionally I use ebay to purchase and sell items, but b/c of the whole NC situation I don't want to do business with paypal. Are there alternatives to ebay? I mostly sell used items. Does anyone know anything about Merchant Inc.?

  13. AmparoSanchez
    April 29, 2016 at 5:15 am

    I am dumping PayPal. I do not agree with their stance on the North Carolina law. Those leftist, liberal CEO's are a pack of idiots.

  14. Dan
    April 23, 2016 at 3:03 am

    Well, it seems that the social implications of a situation are now more important than the financial. Personally I'm looking for an alternative to Paypal because they suck the life blood out of my small transactions with clients for no particular reason than Space X needs funding.

  15. BusyBea
    April 21, 2016 at 4:22 am

    Like several others here, I have closed my Paypal account because of their ridiculous stance on the new North Carolina law.The new law simply maintains the status quo of allowing businesses to decide for themselves the rules of bathroom use on their own premises. If Paypal was considering opening a new operations center in Charlotte before this, then why not now? Why not stand up for what they believe, open their center, and provide gender neutral bathrooms if this is so important to them? Paypal's move is cowardly pandering to a certain demographic. Well, my demographic is not impressed, so I will find an alternative to use. It looks like we have some good options.

  16. DumpingPayPal
    April 15, 2016 at 12:31 am

    @Marsha - Well Said. I agree WHOLE HEARTEDLY!!! I, too, will be closing my PayPal account just a quick as I can. Aside from the things @Anna mentioned and a disaster of a website redesign, an incredible debacle after acquiring BillMeLater, their BLATANT DISREGARD FOR MOTHERS AND CHILDREN AND POSTURE OF HATE towards civil patriots who stand in boldness to protect precious children from the clutches of wanton predators is nothing short of malicious reproach. As if all of their other shortcomings haven't added up to enough - at this point for their stunt with North Carolina alone I will cease to do business with or through PayPal. Their hate and prejudice has been long exposed and can NO LONGER BE TOLERATED!

  17. Linny
    April 9, 2016 at 6:55 pm

    I agree with Marsha. I'm looking for an alternative for my personal and business Paypal accounts. I won't give my business to companies who pull stunts like that.

  18. Marsha
    April 8, 2016 at 2:09 pm

    I am looking for an alternative to PayPal because I am very offended with the way they have attempted to use their financial muscle to overturn the will of the people in North Carolina. I heard about it on the radio yesterday and have determined that I will no longer contribute to their bottom line. I have several outstanding 'Pay After Deliver' payments that must clear and then I will be cancelling my account. If I cannot find a workable alternative, eBay will also be losing a steady customer.

    • Fairy McFlowers
      September 13, 2016 at 2:40 pm

      Don't let the door hit you in the a$$.

  19. Terri
    April 6, 2016 at 5:19 pm

    Thanks for sharing these alternatives to PayPal and your opinion of them. It is great to know there are good alternatives for those that do not want to use PayPal.

    • BE
      April 16, 2016 at 12:16 am

      Can someone share the mentioned alternatives?

      • Christian Cawley
        April 16, 2016 at 6:42 am

        You'll find them above - it's the whole point of the article you're commenting on...

  20. Mark Steele
    April 6, 2016 at 3:16 pm

    Paypal Cancelled 400 Jobs in N Carolina because of the HB2 bill. (Opposing transgender bathroom use) So I'm cancelling Paypal.

    • Mark Steele
      April 6, 2016 at 3:18 pm

      Clarification: I oppose allowing men to use a ladies room, and vice versa.

      • Ed Gilbert
        April 14, 2016 at 3:04 pm

        Mark,

        I'm with you. Just shot a letter off to CEO of Paypal telling him how disappointed I am and that without change, I'm out of Paypal. If you know of good alternative, please advise.

    • Bob
      April 7, 2016 at 3:41 pm

      That's why I'm here looking for an alternative. I've used them since before they were named PayPal, and done hundreds of thousands of dollars in business with them. But they won't even acknowledge, much less respond, to my communications to them about this same issue.

      My customers are already refusing to use my online payments because I'm using PayPal.

      Bottom line: I can't afford to do business with them anymore ... morally or financially.

  21. Anna
    March 29, 2016 at 9:40 pm

    I've noticed PayPal's services declining rapidly over the past year or so. There's always an inconvenience, tech issue, or unpleasant surprise, and their customer service is dismal. They cost me $60 in bank fees this year and their idea of help is automated form emails. I can't even do basic things like change or remove a form of payment. I've been with PayPal since 2003 and I'm pretty much done with them. It'd be great to find an alternative so I'm hoping the other companies become more widely used. Either way, I'm so disgusted with PayPal that I'm going to close my account regardless.

  22. SAMI
    February 10, 2016 at 1:40 pm

    I am using Payza for roughly 6 years and I have never come across any issue neither in terms of transactions nor clients support. I have other virtual bank accounts too, but I mostly use payza. All good so far! Great post thanks for sharing.

    • Christian Cawley
      February 10, 2016 at 2:22 pm

      THanks for recommending Payza, Sami!

  23. Sheryl
    February 8, 2016 at 12:41 pm

    PayPal keeps making me lose money. Time for an alternative.

    • Christian Cawley
      February 8, 2016 at 12:58 pm

      How so?

    • Ryan
      February 23, 2016 at 6:44 am

      Agreed! Having an Internet service contain all of your financials is dangerous and victimizing!

  24. JAMES
    January 26, 2016 at 2:07 am

    paypal will cause you to lose money. They cut off my account due to mismatched company info on a w9 form. It was kind of our fault for not fixing the issue before we were shut down, but as soon as it happened, these donkeys couldn't even get their shit straight with our emailed PDF's, jpegs, snap shots, faxes, phone calls, etc. After a week and 1000's of lost dollars, we are back up and running, but not without losing a shit load of money and time talking to people who can't even figure out how to open a PDF file. DONKEYS!!!!!! So disappointed in how they handled the matter and how much they can care less about your family, health, income. IDIOTS!!!

  25. Eric J Shaw
    January 21, 2016 at 3:02 pm

    Does anybody know an article that compares the actual fees these services charge? I just had a friend send me $1000 on PayPal. They took $40 from him and $30 from me. That's it. Game over. I'm cutting loose from PayPal this week. I'll find a service that's undercutting them. It has to be easy to do. Please post better friend-to-friend transfer options if you know about them.

    • bb
      January 23, 2016 at 5:14 am

      Eric J Shaw - How about Google Wallet? I have not used it, but I have been reading about it and it seems to be setup for free person to person transfers.

  26. foo bar
    November 14, 2015 at 10:55 pm

    It's SAD in 2015 there are no viable global alternatives to this poor-excuse-for-a-service called paypal. It is a completely frustrating service to use, with a freak'n security check every step of the way! E.g., a site like swappa.com for mobile device marketplace is completely paypal dependent. I would jump in a heart-beat if there was a viable alternative.

  27. Brian Johnson
    September 28, 2015 at 10:43 pm

    i have been using payolee as a paypal alternative http://www.payolee.com/paypal-alternative

  28. Junque Attic
    September 7, 2015 at 2:38 am

    I've used paypal for years, however, not without lumps and bumps as a SELLER. As a buyer, it only took TWO weeks to resolve my Paypal debit card being skimmed by the processor at the famous Powell's bookstore. That said, as a seller, ebay scammers-buyers are able to recoup their funds immediately - no escrow period or resolution.
    Ebay and Paypal are separate, but they act as they always have when handling refunds--instant, ruthless, and without regard for evidence to the contrary on the validity of a refund request. Despite evidence of a scammer, they will suck that money right out of seller accounts and say, "we're the only game in town" and you drank the kool-aid.
    One rep, Janine, told me that I wouldn't bother a landlord if I had a return request; to which I reply, I've never had a landlord take money directly out of my pocket and hand it to someone.
    Paypal does NOT pull disputed money paid to ebay, btw - ebay erroneous fees are NEVER refunded at the paypal level.
    Also, somehow paypal and ebay fees just eat into profits - and many times there are discrepancies that are never resolved, solved or returned. ERGH! I am a bit disgruntled.

  29. Eileen
    May 16, 2015 at 8:44 pm

    I use PayPal for my business but only for non-US invoices so that it handles the monetary exchange. On a personal basis, PayPal is the only source that I have fraudulent payments charged to my credit card; so I do not use any payment service anymore. I do not make purchases over the Internet from my phone and make most of my purchases from Amazon, which has proven very trustworthy over the years.

    • Christian Cawley
      May 18, 2015 at 1:18 pm

      Thanks for sharing your experience with PayPal, Eileen!

  30. Tom
    May 13, 2015 at 8:07 pm

    I've used Google Wallet for years & do have their Mastercard branded (debit) card as well. It's basically used as reloadable where I have $$ automatically transfer in from my paltry savings account monthly. This is my mad-money, so it helps with budgeting too. Going to the beach? Load up the card with a respectable sum & take off. I can also buy online or in person in relative safety as the interwebs don't have my 'real' card info and, should some bad guy decide to steal from the card, they won't get much $ anyway. They account & card carries all the standard CC guarantees as well. Also, sweetness can't see what I'm buying with this super-secret account ;)

  31. Dao
    May 12, 2015 at 9:56 pm

    As a freelancer from the Philippines, I was using Paypal for years. At first I liked it a lot because it seemed like my clients all had it, but I eventually got super frustrated by how long it took to receive my payments (sometimes weeks!) I was also getting hit by a ton of Paypal’s hidden fees that I did not discover till much later. A friend suggested Transpay, which is an independent network that transfers directly to my bank account. I always get my payments in less than an hour and the costs have been considerably less. I’ve saved so much money using Transpay I couldn’t recommend it more.

    • Cliff
      May 16, 2015 at 8:28 pm

      PayPal has become fat and greedy, and lack of competition has let it become arrogant as well, taking its customers for granted. It still gets away with holding it's customer's money for weeks for no valid reason, despite law suits and investigations. Honest sellers shouldn't be treated like this which is why I'm looking for a save and secure alternative. This Transpay sounds interesting so I'll add it to the short list I'm considering.

  32. Alexis
    May 12, 2015 at 8:07 pm

    I do agree with you, that the situation is much better, than it was few years ago. Some very strong alternatives are emerging. Now a user has options to consider instead of going straight for Paypal. In the long run this competition may make services more flexible and affordable. I am using an alternative - as I mostly sell locally, within Europe, I chose an alternative which offers better conditions for this region. For my personal use I also managed to find an option with better rates than Paypal offers.

    • E
      November 20, 2016 at 5:41 am

      What alternatives are you using?

  33. Joao
    May 12, 2015 at 3:40 pm

    Since we kind of need to accept payments from anyone in the world, can you kindly make a list of good paypal alternatives that are not restricted to US-only?

    There is no point in a online payment system that can only be used in the US, the internet is global, its not US-only.

    • Christian Cawley
      May 18, 2015 at 1:17 pm

      Which is why I included Nochex, which isn't US only.

  34. David Kinlay
    May 11, 2015 at 4:55 pm

    I have not seen any worthwhile competitors to PayPal yet which I use along with Amazon. We'll see if there is any valid ones soon.

  35. Shawn Rosvold
    May 11, 2015 at 4:47 pm

    Although I haven't looked at all of them, it doesn't appear that any of these services offer the flexibility that PayPal does. For example, I use PayPal to issue invoices and to accept payment from customers (I have a voiceover business). I also use PayPal to send money to family and friends who live in another country. It wasn't clear if any of the other services offer these options.

  36. Les Carter
    May 11, 2015 at 3:59 pm

    Why use a service at all? Is there something I'm missing? I haven't bought any sex toys or explosives lately, so I'm not overly concerned about privacy. Are these truly more secure with financial information?

    • Michael Dowling
      May 11, 2015 at 4:26 pm

      Well,with Paypal or the others,you don't have to send your CC number into cyberspace every time you buy something on line,which to me is a major advantage.I haven't had any issues with Paypal,which I've used for years.

    • Michael Dowling
      May 12, 2015 at 1:29 pm

      Better than sending your CC number out with every online purchase.That's why I use it.

  37. Hildegerd
    May 11, 2015 at 1:48 pm

    Seems like PP has competitors... Good.

  38. Michael Dowling
    May 11, 2015 at 1:45 pm

    First of all,I should say I don't own a smart-phone,only a pay as you go cellphone,which I carry for emergencies,and rarely use.I like Paypal principally because I don't have to send my CC details out every time I make an online purchase.Another important reason is I only see the PayPal alternative on vendor websites,and none of the alternatives discussed in the article. I have had issues with blocked payments to advocacy groups and charities,but that has been the fault of my CC company in every case,done for my "security".

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