The 8 Best PayPal Alternatives for Making Online Payments

Gavin Phillips Updated 03-12-2019

PayPal is the top dog when it comes to online payment services, processing over $150 billion worth of payments per quarter. It’s generally easy to use and a secure way to send money while buying products and services online, but it does have its downsides.


Fortunately, there are several online and mobile payment alternatives available to businesses and consumers. Below you can read some of the best PayPal alternatives for taking payments and sending money to your friends and family.

PayPal Alternatives for Businesses

One of the biggest questions regards PayPal alternatives for businesses. What services can a business use to use online and mobile payments instead of PayPal? There are several options available that businesses of all sizes can use.

1. Amazon Pay

amazon pay example on site

Amazon’s payment service first hit consumers in 2007. Since then, Amazon Pay has taken several different guises, including the now-defunct WebPay service. Not heard of WebPay? It was Amazon’s answer to PayPal, but it ceased operation in October 2014.

Amazon Pay is a great payment acceptance option for online services for a few reasons. If you’re already using Amazon, there’s a good chance the online marketplace holds your existing credit or debit card details, speeding up the checkout process.


Furthermore, you can use Amazon Pay to login and make purchases on heaps of sites using the Login and Pay service. The same service also provides additional protection for consumers, as well as those vendors using the service.

Although Amazon Pay no longer offers a personal payment service (e.g., person to person), the security found in the Login and Pay service makes it an excellent choice. Vendors will also find Amazon Pay a strong partner to help grow their business.

2. 2Checkout


2Checkout is a payment processor that acts as a middleman between you and the payer. You can accept credit cards, debit cards, and even PayPal as a payment option. There is also the option to accept payment in over 80 currencies.


2Checkout adds a management layer to your online payment processing. Vendors can create weekly or monthly payment plans through the recurring billing option. There is an extensive backend with add ons and extensions, while the 2Checkout management panel contains a wealth of user and payment data to help you manage your payment processing.

The ease of use regarding international payments makes 2Checkout a worthwhile option for many businesses. It does have some drawbacks, however.

For example, if someone makes a chargeback, it’s going to cost you $20. The standard transaction processing fee is 3.5% + $0.35 domestically, but 2Checkout slaps another 1% for customers outside the US.

3. Stripe

stripe payment portal example


Stripe is one of the most popular PayPal alternatives for accepting payments online. There are many services that prefer Stripe payments over PayPal and for a good reason. It is also one of the easiest payment options if you’re setting up an online store The Easiest Way to Set Up Your Own Online Store for Free Want an online store but have no coding skills? Here's how to set up your own online store for free with Storenvy. Read More .

Stripe handles a huge amount of the incoming online payment process, with a very fair fee structure to boot. You can collect online payments using a variety of payment methods, and Stripe moves the incoming payments to your bank account automatically. You also have access to an extensive payment processing backend, full of data to help you analyze your sales.

There are no hidden fees or changing payment fee brackets with Stripe. Each transaction has a 2.9% + $0.30 fee per successful charge, but there are no monthly fees or deductions. Your money can take a few days to arrive, however, which is a definite downside to Stripe. Furthermore, payments from an international card will incur an additional 1% transaction fee.

4. Traditional Merchant Account

Having a merchant account from a bank gives you the ability to accept credit cards directly. There is often a monthly fee, and you must be compliant with PCI Council security standards. However, if you do a lot of business and need to integrate a payment solution into your shopping cart or system, this is the best way to go.


Ask your local bank about merchant accounts or do some research to see if there’s an online solution that fits your needs. Make sure to find a reputable provider that doesn’t have a record of poor customer service, too.

If you’re not going to be doing a significant volume of online business, though, or you’re content with using another service to process your payments, don’t worry about getting a merchant account.

PayPal Alternatives for Friends and Family

These PayPal alternatives let you send money to your friends and family directly. Some services cross-over with the PayPal alternatives for businesses, without a doubt. However, if you want to send money without worry, check out these PayPal alternatives.

1. Google Pay


Google Pay, formerly known as Android Pay and Google Wallet, is Google’s mobile payment processing option.

As you might judge from the names, Google’s payment app has come through several iterations. At one time, you could use the Google Pay predecessor as a tap-to-pay and a peer-to-peer (P2P) payment app. Then, Google decided that you could only use the service as a P2P payment tool.

In its current iteration, Google Pay is an all-in-one mobile payment system. You can use it to make payments to your friends, at the local bar, your supermarket shop, and so on. The Google Pay digital wallet stores debit, credit, and loyalty cards, letting you make payment using your smartphone’s NFC chip.

Google Pay focuses on making mobile payments easy. “But Gavin, don’t all payment services do that?” Sure, they do. But Google Pay allows you send money to anyone with an email address or phone number, even if they’re not a Google Pay user. The recipient can instantly cash out to a bank account or debit card, granting almost instant access to your money.

Similar functionality is now also available to Gmail users, too.

Download: Gmail for Android | iOS (Free)

Download: Google Pay for Android | iOS (Free)

2. Apple Pay

apple pay ios example

Apple beat Google to mobile payments, as Apple Pay hit iPhones around the world back in 2014. Since then, Apple Pay has gone from strength to strength and at the time of writing has nearly 400 million users. Apple Pay isn’t limited to just iPhones. You can use Apple Pay from your iPad or Apple Watch, too.

Apple Pay allows you to upload credit, debit, and store loyalty cards for use with NFC payment terminals. It also makes it extremely easy to pay your friends and family for your share of the bill, or to send your kids a few bucks in a time of need. One downside, at least in comparison to Google Pay, is that your payment recipient must also use Apple Pay to access money sent to them.

You can still send someone money, even if they do not have the Apple Pay app installed. But to access and cash out their money to a debit card or otherwise, they must install Apple Pay.

3. WeChat Pay

The 8 Best PayPal Alternatives for Making Online Payments wechat pay qr code payment scan example

WeChat Pay is a digital wallet and payment service available to WeChat users. WeChat is one of the biggest messaging services in the world 7 Free Chat Apps for Messaging on Your Phone or Computer Want to send messages from your phone and PC? Use these free chat apps to continue the conversation wherever you go! Read More . Every WeChat user has the option to use WeChat Pay. The sheer number of WeChat users—over 1.1 billion at the time of writing—means that WeChat Pay registers a huge number of users.

Although China has the highest number of WeChat users, the app has grown in popularity around the globe. The growth is in part due to Chinese users in different countries introducing the app to other people.

However, that belies the role of WeChat owner Tencent, the Chinese tech behemoth. Tencent owns and operates hundreds of companies. As such, WeChat has seen integrations with other Tencent services, including social media sites and gaming platforms.

Download: WeChat for Android | iOS (Free)

4. Facebook Messenger Payments

Some people will have misgivings about trusting Facebook with any form of payment information. After all, the social media giant has a terrible privacy record. Still, integrated Facebook Messenger Payments are extremely handy for a couple of reasons.

First up, Facebook Messenger Payments are super easy to use. Find your friend in the Messenger app, select Pay, and add the amount. Second, you can send and receive money from your friends and family without incurring any fees.

Finally, there is a strong chance your friend already has a Facebook account. Sending them money through the app requires no additional tools, keeping the whole payment process quick and simple.

Download: Facebook Messenger for Android | iOS (Free)

What Is the Best PayPal Alternative for Online Payments?

If you need to send money between your friends and family, choose one of the four options above. Apple users may prefer Apple Pay, especially as it integrates so well with Apple and iOS products. However, those with Android (and iOS!) devices should consider Google Pay, which offers a similar service without Apple’s restrictions.

Do you regularly make payments from a mobile app, like Google Pay or Apple Pay? If so, you should check out which NFC payment app is the most secure Which NFC Payment App Offers You the Most Security? NFC payments are taking over the world. Businesses such as McDonalds and Walgreens now offer contactless payments, with many more coming online. But how secure are the three main NFC services? Read More .

Related topics: Apple Pay, Contactless Payment, Google Pay, Mobile Payment, Money Management, Online Payments, PayPal, Samsung Pay.

Affiliate Disclosure: By buying the products we recommend, you help keep the site alive. Read more.

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  1. GjohNcoe
    December 10, 2019 at 11:43 pm

    The article heading reads ( Fed up with PayPal ), who the heck is fed up with PayPal. I and my wife and many others friends that I know have been using it for years, I have never ever heard a word against it. Just saying ???????????WTH

  2. JonZone
    December 10, 2019 at 9:22 am

    PayPal is straightforward, simple to use, quick to respond to queries and is suitable for every on-line transaction everywhere on the Internet.
    Another total waste of an article, espousing alternatives to PayPal who now want some of the profitable action.
    None of those suggested were available when PayPal was the only original, trustworthy on-line payment company when individuals' credit cards were being nefariously accessed.
    PayPal management do not suffer fools lightly, some people need lessons in household and individual, simple accounting and personal monetary control, they can't even calculate the correct change required from buying a 50c chocolate by tendering a $1.00 note.

  3. dragonmouth
    December 3, 2019 at 10:21 pm

    The more you use Internet for various transaction, the better the chances are for getting hacked or having your identity stolen. Sure, PayPal and the others are convenient but how convenient is rebuilding your identity after it has been stolen?

  4. Nat
    November 11, 2019 at 4:55 pm

    I'm confused with all the options with Paypal. I have a PayPal Credit no visible card can you transfer your credit limit to your bank link? Can anyone help?

  5. Mark
    April 14, 2019 at 11:19 pm

    Not sure just how current this thread is but I’ll add a comment. I’m a longtime user of PayPal from back when it was associated with eBay. As an eBay purchaser I have appreciated it for three reasons:

    1). It is often the only transaction method a vendor will accept.
    2). It has been fast and easy for me (online purchaser) to use.
    3). Most importantly it has allowed me to limit how I share my personal financial information.

    Lately pressure from PayPal to “link” accounts or share more personal information has been a concern for me. Reports that PayPal’s new user agreement update may require my SSN, passport, driver’s license, bank accounts is a red flag for me. I’ve read through the new “agreement” and I can see language that suggests a requirement for just this sort of data collection. Bottom line for me . . I don’t need to use PayPal at that cost. Using my credit card represents much less risk.

  6. Rene Picha
    May 9, 2018 at 3:15 am

    individuals with credits cards and debit cards can send you money WITHOUT having a Paypal Account using

  7. Ron Craig
    March 13, 2018 at 4:42 pm

    Amazon Payments is HORRIBLE! Even worse than Paypal and that is quite something! From the very beginning f setting up my account a few days ago they have sent 3-4 hostile emails making demands and ultimatums. I was in shock. And most of the information they gave to find something on their site was inaccurate. They told me they do not allow business that sell marketing services. I just have a blog and don't even have a product up yet, but there are no marketing services offered on my site (You can see here ). This was offensive and hostile as they referred me to their Acceptable Use Policy, which makes no mention of this at all. And the Agreement to read through for doing business with them would take over half a day without breaks to get through. It is absurd! No wonder no one does business with them using this service for payments on their site. I never see anyone offering Amazon Pay buttons for non-amazon products and services.

  8. Richard Halliday
    December 14, 2017 at 9:25 am

    Basically PAYPAL is trap, they are working with the banksters to create a global tax system which will lead to you having no control over your own money. You probably already noticed the multiple spying actions PAYPAL use and how they take it as their right to limit accounts and even steal from account users.
    We the public need to all close down paypal and use alternatives but when signing up with an alternative, ensure they are not just another version of paypal controlled by the criminal bankers and puppet governments.

  9. Olivia
    July 17, 2017 at 8:18 am

    Thanks for a very informative article! I was searching for a solution to accept payments via credit and debit cards (Visa, MasterCard, Maestro) in my e-shop and it seems that 2Checkout is a good option for me. Still, I have also found other suitable payment processors such as Stripe, Braintree and Cardinity. Each of them offers a payment gateway. Braintree also provides a merchant account, and Cardinity offers a merchant account and functions as both a payment gateway and an acquiring bank. I am considering Cardinity because of their friendly price, but I would like to hear different opinions.

  10. will
    March 27, 2017 at 9:28 am

    I don't have any beef with PayPal, but I need to have more choice as some of my customers can't use it for whatever reason. Interesting that this article mentions having to pay a fee to use a merchant account as I've been shopping around and it seems that many of them don't, e.g. G2A PAY, so I might go with them.

    • Gavin Phillips
      March 27, 2017 at 10:28 am

      That's fair, however, I would advise caution with G2A Pay. There are enough reports of bad customer service that I personally wouldn't trust them. They're well known to deal in blackmarket game keys. I would advise proceeding with caution and completing lots of research. Find some other companies who use G2A Pay and ask them, and find some that have left G2A Pay and ask them why they left (if possible, I realise this is quite difficult).

      Good luck!

  11. Guillaume
    February 1, 2017 at 10:33 am

    Venmo is a (only now?) product of Paypal...

    • Gavin Phillips
      February 1, 2017 at 10:36 am

      It has been for...just under a year now. However, they're performing different tasks. That said, if someone *really* hates PayPal, they'd have to steer clear of Venmo, too.

      Thanks for reading and commenting.

  12. zeek
    January 13, 2017 at 6:59 pm

    Just trying to solve mystery how and why paypal stole 15$ from my domestic bank account.Their support is ridiculous.I doubt that some of them speak/read english at all. As small seller I have to pay them more than 22% of fees.(paypal+ebay).I'm user for 9 years but this starts to look ridiculous.

    • Gavin
      January 17, 2017 at 12:22 pm

      eBayers are unfairly punished with fees. I don't think there is really a way around it, unfortunately, other than keeping listing add-ons to a minimum. The majority of people prefer using PayPal for the payment protection offered, so you might be lumped with it. However, you could try offering an alternative payment format - but people might be put off by this. Sorry I cannot be more help, Zeek!

  13. sofia
    August 11, 2016 at 4:27 pm

    My account was "frozen" for a questionable charge of $9? I looked on my account and saw nothing on it that was not authorized. They said it's because they stopped it? then they sent me 5 pages of charges dating back to 2011 to go through and confirm that they were indeed my authorized charges? Needless to say...I called and closed my account. Let me also add that I have always been on time with paying my balances since I opened the account.

  14. RKM
    May 1, 2016 at 1:54 pm

    When a company like PayPal provides services to barbarians in third world countries then turns around and polarizes or decides not to open an office in a US state, then I say "screw you PayPal hypocritical assholes

  15. GB
    April 18, 2016 at 1:27 am

    There's a sponsered google ad for paypal right in the middle of this article ?

    February 11, 2016 at 7:16 pm


    • Bonnie Eldredge
      January 13, 2019 at 11:43 pm

      They told me I could NEVER open a PayPal account again. Hmmm..sound like a threat? AND....I tried to close once before and the account mysteriously opened itself.

  17. Anonymous
    October 8, 2015 at 5:00 pm

    They have held numerous amounts from many of our clients that we assist at Auction Essistance. PayPal limits accounts at the most random times it is bizzare.

  18. Anonymous
    September 26, 2015 at 2:34 am

    Payolee is a good paypal alternative. I use them for my freelance design business.

  19. arslonga vitabrevis
    May 16, 2015 at 9:56 pm

    Pay pal doesn't seem like much of a reliable business partner, good to see it doesn't hold a monopoly so much anymore, looks like they are more of a political institution as of late supporting Putin's disinformation by pulling out of an account created by activists to counter media control in Russia and get to the bottom of Boris Nemstov’s investigative reporting and aide in the distribution of a report Nemstov was working on before he was murdered. Pay pal is just another Putin troll to me anymore. Thank God for competition to keep us strong and free.

  20. Dennis
    March 23, 2015 at 3:01 pm

    Thank you for info. paypal had let fraud happen on my account to the tune of over $5000 and denied the claim said i did the charging had the account for three years and only used it for a savings and withdrew moneys twice a year. some one charged things from apple inc. Itunes, starbucks and other things in just two months wiped out account and ran up $1000 more on the paypal account that had fraude on it after the fact. they denied my claim told me to take it up with my credit card company they did not even send me email on any of the withdrawals as they have done in the past. They even tried to send emails and none went through agent said it was definitely fraude I need help.

    • Nicole
      March 22, 2016 at 8:07 pm

      I absolutely HATE HATE Paypal and won't recommend nor promote the use of this site. I will never ever go back NO MATTER what they say even if they said it will get better or will never happen again...THEY LIE!! They did something similar to me awhile back (more than a year ago) in denying what a merchant did to me and supported the merchant over me the consumer (me). It wasn't until me writing and cutting and pasting many emails and personal data back and forth until finally one day the clouds opened up and a glimpse of sun peered in and I got my monies credited back - but it took pulling teeth to get what was mine all along. It was so anerving and I was treated less than a person and for this screw them. I will never go back - not ever!!

  21. Erica
    February 12, 2015 at 8:03 pm

    My Paypal account also was frozen. And it was very complicated process trying to find out what was the matter. So I switched to an alternative. I am happy that there are other payment options to choose from and I hope they will develop further on. In fact, after having a look around you can sometimes find better conditions than offered by Paypal.

  22. Allen J
    January 31, 2015 at 5:02 pm

    I hate paypal. They held onto $10K of my money for 21 days, and they fees are ridiculously high. What a rip.

  23. Anonymous
    March 10, 2011 at 5:42 pm

    Have you tried the gateway provided by CheddarGetter? CheddarGetter's probably best known as a recurring billing management system, but it just released its own payment gateway (CheddarGateway) this winter. It has everything you'd expect in a gateway (PCI compliance, fraud protection, QuickBooks integration, real-time reports, etc) along with a documented integration API if you would like more customization. But even if you don't use the CheddarGateway, CheddarGetter provides recurring billing management services that can link to many of the major online gateways. I definitely recommend them!

  24. Liz Cornwell
    December 22, 2010 at 10:01 am

    You forgot to mention AlertPay ( I've been using it for quite a while and never encountered any problems.

  25. Liz Cornwell
    December 22, 2010 at 11:01 am

    You forgot to mention AlertPay ( I've been using it for quite a while and never encountered any problems.

  26. Justin Dupre
    December 16, 2010 at 9:45 am

    I've been looking for paypal alternative for sometimes now.. thanks!

    • Dave Drager
      December 16, 2010 at 4:38 pm

      No problem Justin!

  27. blair
    December 14, 2010 at 5:29 pm

    what about Intuit ?? they have some cool stuff going on like their mobile phone payment setup GoPayments

  28. blair
    December 14, 2010 at 6:29 pm

    what about Intuit ?? they have some cool stuff going on like their mobile phone payment setup GoPayments

  29. Just Outsourcing
    December 14, 2010 at 2:45 pm

    I hate Paypal! (to the tune of 'I am Spartacus')

    But Payoneer's working alright for me.

    • Dave Drager
      December 16, 2010 at 4:39 pm

      Thanks for the recommendation!

  30. Shade
    December 14, 2010 at 1:48 pm

    Mt Gox does personal and merchant accounts. They handle transaction in BitCoins and in the US, accept credit cards to make USD transfers and payments.

    Mt Gox pays out in USD.

    (I have no connection with the Mt Gox enterprise except as a user)

  31. Documaker
    December 14, 2010 at 3:45 pm

    I hate Paypal! (to the tune of 'I am Spartacus')

    But Payoneer's working alright for me.

  32. Shade
    December 14, 2010 at 12:48 pm

    Mt Gox does personal and merchant accounts. They handle transaction in BitCoins and in the US, accept credit cards to make USD transfers and payments.

    Mt Gox pays out in USD.

    (I have no connection with the Mt Gox enterprise except as a user)

  33. Saikat Basu
    December 14, 2010 at 7:31 am

    Amazon and Google are the ones who can take on PayPal and its virtual monopoly. As an Indian blogger we know the tremors we felt when PayPal and the national bank authorities clashed. A much needed post Dave.

    • Dave Drager
      December 14, 2010 at 11:25 am

      Thanks for the comment Saikat. It is true, when one company has majority power it is hard to 'pay to play'.

  34. Anonymous
    December 13, 2010 at 10:18 pm

    En Click And Buy?

    • Dave Drager
      December 14, 2010 at 2:50 am

      Thanks for the info on their site!

  35. Labinjan77
    December 13, 2010 at 10:17 pm

    and Alertpay? I think it should be here on list too

    • Dave Drager
      December 14, 2010 at 2:50 am

      Thanks for the idea!

  36. Labinjan77
    December 13, 2010 at 11:17 pm

    and Alertpay? I think it should be here on list too

  37. Alek Davis
    December 13, 2010 at 6:12 pm

    Amazon Payment was news to me. Can't believe it's free. Thanks. Btw, it would be nice if you noted which one of these have APIs or can be integrated in your own systems (similar to PayPal's Instant Payment Notification).

    • Dave Drager
      December 13, 2010 at 8:28 pm

      The more "Merchant" facing ones such as Google Payments, Moneybookers, and 2Checkout have APIs to integrate them with your shopping carts. The more "personal" based ones like Venmo and WebPay do not, as far as I know of.

    • Shade
      December 14, 2010 at 12:45 pm

      Personal users on the Amazon system can only use the money to purchase items from Amazon.

  38. Mike
    December 13, 2010 at 5:50 pm

    I want to add Click&Buy ( to the list since it works for both iTunes and Steam* =)

    * in a support controversy it turned out that Steam has a 150EUR monthly limit on Click&Buy

  39. P. David Albee
    December 13, 2010 at 5:39 pm

    Newest, most economical online/mobile payment alternative: Dwolla;

  40. Bakari
    December 13, 2010 at 5:25 pm

    Cool. I didn’t realize Amazon had a web pay service. Thanks.

  41. ZaiN
    December 13, 2010 at 4:57 pm

    Thanks so much for sharing this. Much needed!
    I only knew about Google checkout and moneybookers before reading this post.

    • Dave Drager
      December 13, 2010 at 5:35 pm

      No problem ZaiN!

  42. Mike
    December 13, 2010 at 6:50 pm

    I want to add Click&Buy ( to the list since it works for both iTunes and Steam* =)

    * in a support controversy it turned out that Steam has a 150EUR monthly limit on Click&Buy

  43. P. David Albee
    December 13, 2010 at 4:39 pm

    Newest, most economical online/mobile payment alternative: Dwolla;

  44. Bakari
    December 13, 2010 at 6:25 pm

    Cool. I didn’t realize Amazon had a web pay service. Thanks.

  45. ZaiN
    December 13, 2010 at 5:57 pm

    Thanks so much for sharing this. Much needed!
    I only knew about Google checkout and moneybookers before reading this post.