PayPal Alternatives

It is an awkward situation!

How does it feel when you find you are smart enough to win a foreign freelance deal and left with no payment method? What would you do? I don’t recommend losing that amazing project as it may land on multiple enticing works later.

So what do I want you to do?

Nothing, but create a PayPal account right NOW.

Ah, another weird situation pops out. You can’t have a PayPal account, can you? (Some reasons discussed in the later part of the article).

Well, that’s why I am here to help you overcoming the chaos of overseas payment method with this comprehensive list of PayPal competitors.

But, but….. to be honest, PayPal Rocks!

When it comes to receiving overseas payments, I can’t help myself suggesting PayPal because Elon Musk has done an impressive job to make it attractive enough to reach a large user base. PayPal is so synonymous to online payments that it’s present at each and every place where online transactions are involved.

Sure, I do know you are looking for sites like PayPal – and that’s because of a solid reason that keeps you away from it.

Before getting into the meat of this post, I need you to read why PayPal competitors are necessary.

Why on earth do you need PayPal alternatives?

One or more of the following factors is the reason why you desperately need a PayPal replacement.

#1. Oh, so you don’t have it in your country?

Yes, PayPal has unsupported countries that you can’t even open an account if you are a residence in any one of them (though there are tricks to do the same). In case you from Pakistan, Afghanistan, Bangladesh or Iraq, they will not allow you to have an account and build your online empire.

#2. Goddamn restrictions!

You may find certain limitations in using PayPal even if you are from a supported nation.

Consider India for example; PayPal customers can’t keep money in their account there. Though it wasn’t the decision from PayPal’s side (Reserve Bank Of India pressurized the big payment platform for it), and poor PayPal was left with no option but to comply with what was imposed on them.

#3. PayPal costly for you?

The primary (or perhaps the only) way PayPal makes money is through the fee they charge for each fund transfer. As compared to other sites like PayPal, it’s too costly. The higher the transferring amount, the greater their fee will be. And for first time user receiving a big amount via PayPal, chances are he/she may get a heart attack on seeing the deduction!

#4. Restrictions, restrictions everywhere!

I have heard a lot of complaints on PayPal about blocking payments. Hence, sending big amounts via PayPal is more of a gamble. Some of my friends told they faced blockage even with no illicit activity.

And, they sometimes limit your account as well. Yeah, I don’t know what the giant is up to, but PayPal wants you to not do certain activities with your account.

#5. PayPal Sucks?

Every coin’s got two sides. While achieving immense popularity, Musk’s service has also earned a bunch of haters to their side. In fact, Knaddison’s article gives plenty of reasons why he hates this so-called awesome service. Consider reading the article if you want to see a bunch of people giving compelling reasons why PayPal sucks.

With that being said, let’s just move on to PayPal replacement websites.

The “Hall of Fame” of the Best PayPal Alternatives

I have included fifteen PayPal-like sites to help you receive or send money online. 15 is a lot to find the best alternative for you, isn’t it?

15. Click2Sell

Click2Sell is the best PayPal alternative for all the internet marketers out there. They have got a wide variety of features to keep up with your daily activities.

Chances are this is the first time you hear the name Click2Sell. But trust me, you will love this one.

The good:
  • Click2Sell accepts payments from PayPal, credit cards, Google Wallet, Skrill no matter the sender has a merchant account or not.
  • A broad range of tools for affiliate tracking, automated sales management and insightful reports.
The bad:
  • Transaction fees may seem higher to you.

14. Payza


Payza is one of the widely used PayPal alternatives you can use to send and receive overseas payments. With a small transaction fee and a broad range of features, it is already giving a tough competition to other payment platforms.

They are based in USA and Canada, but the service support is broad.

The good:
  • Supports over more than 200 countries, 20 languages and multiple currencies.
  • As a merchant, you will find Payza to be the perfect alternative to PayPal.
The bad:
  • It can’t always be used for online transactions since the acceptance in popular marketplaces, and affiliate networks are really less.

13. PayMate

Are you a webpreneur from Australia or New Zealand? Then, you can’t find a perfect PayPal competitor like PayMate to have a secure payment gateway on your site.

Their transaction fee package is so nominal that neither the buyer nor the seller will feel like being charged a lot.

You must be living in australia or New Zealand to Receive Your Payments Although.

The good:

  • You can receive money from anywhere in the world.
  • The buyer doesn’t need to have a PayMate account to complete the transaction.
The bad:
  • The acceptance of PayMate on marketplaces is very less.
  • You must be an Australian or New Zealand native to receive funds.

12. Square

You will not find a unique PayPal alternative service like Square, I swear.

They will give you a physical gadget to make payments online. Yeah, you heard it right. Square provides all their readers with card readers to be attached to their Apple or Android gadgets.


Users can make payments from all the popular cards for a 2.75% of charge.

The good:
  • You can save time as typing card details are not needed.
  • Supports Apple Pay.
The bad:
  • Only available in US and Canada.

11. Apple Pay

Yes, Apple also has got a payment platform to compete with PayPal. The real motive behind the creation of Apple Pay was to provide the users an incredible experience of making payments comfortably without carrying anything but their phone.

Through NFC, you can pay about 220 thousand retailers. The commission rate is 0.15% only.

The good:
  • You won’t have to carry cards or anything only for making payments.
The bad:
  • The features and acceptance are so limited that it can’t be a universal payment platform.

10. ProPay

Are you a regular EBay customer who desperately needs a PayPal replacement?

Why haven’t you tried out ProPay yet?

It has got a lot of PayPal-like features to make you forget PayPal once and for all!

The good:
  • With ProPay, you can send and accept money from anywhere in the world.
  • They have got recurring billing and an inbuilt shopping cart.
  • You will get a card reader called ProPay JAK for iOS and Android.
The bad:
  • Just like any other budding PayPal competitor, acceptance is the major issue here.

9. WePay

Do you want an advanced payment gateway for your site not to make users leave your site while making payments? Then, you should try one of the best PayPal replacements in this regard, WePay.


With a virtual payment terminal that WePay creates for you enables you to make use of their API and hence give users an elaborate but a personalized payment gateway.

The commission rate varies according to the mode of payment. For credit cards, it is 2.9$+ $0.3 and for direct bank payments, it will be 1%+ $0.3.

The good:
  • Users will not leave your site while making payments.
  • Best for marketplaces and small websites.
The bad:
  • You need to have some technical knowledge to use their API.
  • Available only for US customers.

8. Amazon Payments

Amazon is a reputed name when it comes to online things. Do you know that they have got a payment platform to make online purchases easier and to transfer funds between users?

But the saddest part is the unavailability of the service outside of America.

The good:
  • Amazon is a reputed brand. So zero chance for your money to disappear into thin air.
  • There are no fees to send and receive money.
  • Online purchase from with this payment platform will be a piece of cake.
The bad:
  • The service is only available in the US.
  • You need to pay a commission of 9%+ $0.3 to withdraw money to your bank account. And, it may take a while to receive the money at the other end.

7. 2Checkout

2Checkout is not the perfect PayPal alternative according to me because it does not allow you to transfer funds between the users. But you can use it as a payment method on your website or store.

By reading until now, you might have figured out that the US dwellers have a clear edge over the others when it comes to online payments. That monopoly continues here as well. The transaction commission of 2Checkout for US people is 2.9%+ $0.3, whereas for those outside of US is 5.5%+ $0.45.

The good:
  • 2Checkout supports 196 countries, 26 currencies, eight payment methods and 15 languages. And, the integration of it with the most popular shopping carts like Shopify is not a sweaty task at all.
  • They will release payments automatically via EFT method.
The bad:
  • It’s a not a complete site like PayPal, with no option to transfer money between users.

6. Selz


The domain of blogging is getting explored by tons of people in different countries every day. So, it’s important for them to have a secure international payment method. That’s exactly why I wrote this article on PayPal alternatives.

If you are a blogger who wants to sell a digital product online, Selz will suit the best for you to accept payments since

they have a WordPress plugin!

You can withdraw it later to your bank account or PayPal account.

The good:
  • Getting used to the interface is not a tough row to hoe.
  • Suits the best for people selling digital products, as a payment gateway.
  • Selz supports over 190 currencies all around the world.
The bad:
  • It doesn’t support Indonesia, India, Vietnam, Pakistan and Nigeria. Say NO to Selz if you are from a PayPal unsupported country.
  • The transaction fee is comparatively higher as it is 5%+ $0.25.

5. Dwolla

You are going to hate me for putting this site into this list because it is only available in the US as of now.

But I couldn’t help myself from adding this here due to its very low transaction fee and impressive features.

It is true that you can send payments to emails just like in PayPal. But the Dwolla guys has taken it to the next level by integrating a functionality using which you can send payments to phone numbers, Twitter handles, LinkedIn connections as well.

But do remember the fact that the acceptance is really low as it is not even a global payment platform.

The good:
  • The transaction fee of Dwolla is only $0.25 per transaction.
  • They have an Android and iOS app to keep you connected on the go. (Many others also do have an app though!)
  • MassPay system to make bulk payments (How about making a thousand payments at once? :-p).
The bad:
  • You need a valid US address and SSN to start using Dwolla. Moreover, an American bank account is mandatory to connect to your Dwolla account.
  • Sadly, no option to add your credit or debit cards.

4. Skrill

I hope you know how PayPal works, don’t you? It allows us to use our e-mail as a “username” to be used for sending and receiving funds. That means when somebody has to send me some money via PayPal, all I need to give them is the email address and we’re good to go.

If you want to bring that fundamental feature of PayPal into a PayPal replacement site, you must sign up to Skrill because it is the only site that allows you to do the same.

Skrill allows an instant money withdrawal to users’ bank account using their debit card, credit card or the bank account directly itself.

So in my opinion, Skrill is the best PayPal-like site you can use for money transfer and online purchasing as well.

The good:
  • They only take 1% of the money getting transferred, as the fee. And, the maximum transaction fee is fixed at 10 Euros.
  • Skrill supports more than 200 countries and 40 currencies.
  • If you use SWIFT method to withdraw money instantly to your bank account, it will not cost you anything.
The bad:
  • Comparing with PayPal, the acceptance is less (but better than any other site on this list though).

3. Stripe

I have recently come across this site that has been helping a lot of people to get overseas payments like a walk in the park. The best thing about this is you need to worry about no “support shit” to send a payment. But yeah you must be a dweller of one of the supported countries for receiving money!

Stripe has got multiple payment systems on board including VISA, Mastercard, JCB and Amercian Express cards.

When it comes to transaction commission, I don’t think Stripe is a money sucker. With 2.9% and an extra $0.3 fees for every individual money transfer, it is one of the cheapest sites like PayPal.

The good:
  • Supports about 100 currencies that you can transact in.
  • You can send payments from any country using any of the convenient methods I have mentioned above.
  • One of the cheapest PayPal competitors in this list.
The bad:
  • You need to be a resident of any one of these 19 countries (United States, UK, Canada, Australia, Ireland, Belgium, Australia, Finland, Germany, France, Netherlands, Luxembourg, Spain, Norway, Denmark, Sweden, Italy, Austria, and Switzerland) to receive Stripe payments.
  • In the withdrawal process, it may take up to 2 days to complete the transaction.

2. Google Wallet

Google has been a selling brand which people trust everything that comes under their banner. And, the guys at Google are proving their reliability by assisting people with the most impeccable services.

Google also has an impressive service to contribute to a lot of best PayPal alternatives. Though Google Wallet can only be used inside the USA to send and receive payments, it has come a long way to be people’s (in the USA) favorite choice.

You don’t have to pay any monthly or annual fee to use Google Wallet. Only the transaction fee is what you need to pay for each transfer. If you add multiple debit or credit cards on Google Wallet, they will even give you one card using which all the funds can be managed.

The good:
  • The most reliable PayPal competitor in this list.
  • The service is completely free that the only thing you need to pay is the transaction fee.
  • The platform is being assessed 24x 7 for fraud activities.
  • You can attach money in Gmail.
The bad:
  • The service is only available in the USA (though they allow us to use Google Wallet to be used for buying paid apps on Play Store in about 129 countries).
  • The acceptance is very less compared to both PayPal and Payoneer.

1. Payoneer

if you ask me for the best PayPal competitor, my first recommendation would definitely be Payoneer.

It has got a tremendous acceptance among different freelance marketplaces and affiliate networks. I have even seen a lot of digital marketers using Payoneer for getting payments as it gives you a virtual US bank account.


It is easy for anyone to get a Payoneer Mastercard to withdraw money from your virtual account anytime you want. But you need to pay something extra along with the usual annual payment. The Mastercard that Payoneer provides can be used in most of the ATM counters.

The good:
  • Payoneer has got a huge acceptance among freelance marketplaces and affiliate networks that you won’t need a PayPal account anymore.
  • Being one of the best PayPal replacements, Payoneer supports 200+ countries.
  • You can process transactions in more than 100 currencies in Payoneer, which make it convenient for you to send and receive money.
The bad:
  • Apart from the annual fee, you must send them extra money to get a Mastercard at your doorstep.
  • Every ATM transaction using the card will cost you $3. 

Just grab one alternative!

Now you have got fifteen best PayPal competitors to accept and send payments. What’s your pick?

Do you think I missed any useful sites like PayPal in this post? Let me know in the comments section down below.

And yes, don’t forget to share these 15 PayPal alternatives with your social media bugs. 🙂


Please enter your comment!
Please enter your name here