The 22 Best PayPal Alternatives of 2021

The 22 Best PayPal Alternatives of 2021

In Q1 of 2021, PayPal had 392 million active accounts worldwide. The platform facilitates payments for more than 28 million businesses and 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  • Faster turnaround for withdrawn PayPal funds (PayPal can take up to four business days to show up in your account)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 for you, your business, and your customers.

1. Google Pay

Your customers can pay in-app, in-store, or on your 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: It’s free to open a personal account
    • More information on transaction 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.

It makes it 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.

It also claims to have the fairest exchange rate, 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

You’ve probably used Venmo to pay a friend back for 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 either Braintree or PayPal Checkout to add Venmo as a payment option, but if the social aspect of payments intrigues you, Venmo is worth a look.

  • Apps: iOS | Android

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.

  • Pricing: $14.99 per month plus transaction fees (available upon request)
  • Apps: iOS | Android

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

Entrepreneurship and 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.

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