12 Best PayPal Alternatives

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Looking for an alternative to PayPal?

Consumers use PayPal to pay merchants and private parties. You may have used PayPal to buy products or to send money to family and friends.

However, as online financial transactions increase more and more, so do PayPal alternatives.

In this article we’ll show you what some of the best PayPal alternatives are based on their TrustPilot scores. And we’ll give you insight on how each one works so you can decide which might be best for you.

Top PayPal Alternatives

As with all good things, many sites like PayPal have risen up over the years. Here are some of the more popular PayPal alternatives, and some information about how they work.

1. Skrill

skrill logo

Skrill is a PayPal alternative that supports 40 currencies as of this writing.

The company allows you to send and receive money to and from different sources, including cards whose details you can store online.

Once you’ve received your money, you can transfer it to various sources as well, such as your bank account.

You can use the site for things like sending and receiving money from friends, shopping online or making purchases within games.

There’s no fee when you use Skrill to send money directly to a bank account. Skrill does charge a fee of 1.45% to send money to someone whose bank account information you don’t have.

This fee equates to less than half of what PayPal charges when you include its 30-cent transaction fee.

You will pay 2.9% when you send money to someone using your credit card.

And Skrill charges other fees. International transfers will cost you 4.99%. And to withdraw funds, you’ll pay another $5.50.

Fees: Free for bank account transfers, 3% for credit card transfers

Trustpilot score: 4.7 out of 5

2. Wise

wise logo

Wise (formerly known as TransferWise) is often not the cheapest way to send money internationally. Basically, it charges you an exchange rate fee to send the money.

That rate is the mid-market rate, the midpoint between demand and supply for a currency. It’s considered the fairest exchange rate.

However, Wise says that provide the fairest and fastest transfers. If you need to send money to family and friends that are in different countries, you might try using Wise.

Fees: Vary based on the amount you’re sending, the sending method, and the current exchange rate.

Trustpilot score: 4.6 out of 5

Learn More: Wise Review

 3. Payoneer

payoneer logo

Payoneer allows you to pay money to people all over the globe. It was founded in 2005 and now has several offices around the world.

Payoneer seems to specialize in paying overseas freelancers.

So, if you are a freelancer or you employ a freelancer who is located in another country, Payoneer could be a good choice for you.

Depending on how you choose to receive payment (or send payment), the fees will vary. Typically, Payoneer charges between 0% and 3%.

Fees: 1% from bank accounts, 3% from credit cards, free from Payoneer balances

Trustpilot score: 4.4 out of 5

4. 2Checkout

verifone logo

Verifone, previously 2Checkout, is an electronic payment service that allows merchants to accept online credit card payments.

According to its website, Verifone works in over 180 countries and currently services over 17,000 clients.

Because it works in so many countries, it could be good for businesses with a worldwide client base.

Fees vary depending on which country you live in. In the U.S., fees run a bit higher than PayPal: 3.5% plus a 3-cent flat fee to receive payments.

Fees: 3.5% plus $0.03 per transaction

Trustpilot score: 3.4 out of 5

5. WePay

wepay logo

WePay is a merchant services company owned by JP Morgan Chase. Companies such as Constant Contact and GoFundMe use WePay to accept payments.

WePay’s primary focus is on merchant services. For online transactions, you’ll pay 2.9% plus a 30-cent per transaction fee like you would with PayPal.

Fees: 2.9% plus $0.30 per transaction

Trustpilot score: 2.9 out of 5

6. Stripe

stripe logo

Stripe was founded as a way for individuals and businesses to receive payments over the internet. It’s primarily a platform for ecommerce businesses.

As with PayPal, you can use Stripe to make online purchases or to send money to a family or friend.

Its fees run the same as PayPal: 2.9% and a 30-cent per-transaction fee. It does charge extra to use international cards and for currency exchanges.

Fees: 2.9% plus $0.30

Trustpilot score: 3.2 out of 5

7. Google Pay

google pay logo

Google Pay is an updated, consolidated version of Android Pay and Google Wallet. You can use Google Pay in a few different ways.

  • In-store payments
  • Online or in-app payments
  • Send money to family and friends

Each function of Google Pay is approved to work in specific countries.

For instance, you can only use Google Pay to send money to family and friends if you live in the U.S., the U.K. or India.

If you’re paying in-store or online, you have a lot more countries that qualify for Google Pay. However, not all countries can use Google Pay.

In addition, not a ton of stores accept Google Pay yet. However, more stores are adding Google Pay regularly.

Google Pay is free if you are sending money from your checking account. However, if you want to use a credit card to pay for something, it’ll charge you a 2.9% fee.

Fees: Free for bank account transfers, 2.9% for credit card transfers

Trustpilot score: 2.3 out of 5 stars

8. Amazon Pay

amazonpay logo

Amazon Pay lets you pay third-party merchants using the payment methods stored in your Amazon account.

The main benefit for consumers is that you don’t have to sign up for an account with the third-party merchant and input your payment card details again.

You can also use Amazon Pay to make donations to some sites. Amazon says that thousands of website are affiliated with and accept Amazon Pay.

Note that Amazon Pay doesn’t charge you as a payer for this service. Also, you can’t use Amazon gift cards to make your third-party payments.

Those who receive money from Amazon Pay will pay 2.9% plus $0.30 per transaction for domestic transactions.

International transactions get charged 3.9% plus $0.30

Fees: 2.9% plus $0.30 for domestic, 3.9% plus $0.30 for international

Trustpilot score: 1.5 out of 5

9. Venmo

venmo logo

Venmo is another one of PayPal’s top competitors. Interestingly, PayPal purchased Venmo and still owns it today.

As far as fees, using Venmo is free — as long as you transfer the money from your bank account. If you choose to use a credit card, Venmo will charge you a 3% fee.

Venmo is more geared toward individuals conducting personal transactions. For instance, it’s for paying back a friend for half of a restaurant dinner check.

It’s not really meant for business transactions like freelancer payments.

In fact, the Venmo website specifically says you may not use Venmo to accept payment from another person or company for goods or services.

PayPal has clearly set up Venmo in a way that it won’t directly compete with PayPal’s business transaction market.

However, if you need to send money to a family member or friend, Venmo is a good alternative since it’s free for both the sender and receiver.

Fees: Free for bank account transfers, 3% for credit card transfers

Trustpilot score: 1.3 out of 5

10. Quickbooks Payments

quickbooks logo

Quickbooks Payments works well for freelancers and small business owners.

You need to have Quickbooks to use Quickbooks payments. But if you do, the Payments feature can make your business accounting even easier.

When payments come in, Quickbooks Payments will automatically match the payment with the coordinating invoice.

There are no monthly or setup fees for Quickbooks Payments. However, you will pay the following transaction fees:

  • 2.4% for swiped credit card transactions (+$0.25 per transaction)
  • 2.9% for invoiced transactions (+$0.25 per transaction)
  • 3.4% for keyed transactions (+$0.25 per transaction)
  • 1% for ACH transactions (max $10 per transaction)

Quickbooks Payments works with Quickbooks Online. They have a version that works with Quickbooks desktop but the fees are a bit higher.

Fees: 1% for bank account transfers, varied from 2.4% to 3.4% for card transfers

Trustpilot score: 1.2 out of 5

11. Dwolla

dwolla logo

Dwolla is among the more popular PayPal alternatives.

Although Dwolla didn’t charge a percentage-based fee like PayPal does for quite some time, things have changed.

Today, Dwolla charges 0.5% up to a maximum of $5 for transfers. This is much cheaper than the typical fee of 2.9% plus $0.30 that other companies charge.

This can be a huge money saver for those who have a freelance business and get paid online.

The reason Dwolla can charge so much less is that it doesn’t work through credit and debit cards.

Instead, it only transfers to and from bank accounts. This enables Dwolla to avoid passing on the interchange fees that credit and debit card networks charge.

Dwolla still has the same fee structure whether you’re getting money from a business or from family or friends.

Additionally, some might see Dwolla as a bit more of a security risk. This is because it’s running directly to and from bank accounts without having a credit card as a buffer.

You may want to check the Dwolla website for more information on the security measures it uses. However, as far as money savings is concerned, Dwolla definitely beats out PayPal.

Fees: 0.5% up to a maximum of $5

Trustpilot score: Listed but not yet reviewed

12. ProPay

propay logo

ProPay is similar to WePay. It focuses on providing pay solutions for merchants. You might find it if you’re making payments to industries such as:

  • Legal firms
  • Property management companies
  • Direct marketing companies
  • Medical and dental offices

ProPay fees vary. See the website for more information. ProPay doesn’t service transfers to family and friends like PayPal does.

Fees: Vary; you’ll need to contact ProPay for specific information

Trustpilot score: Listed but not yet reviewed


There are several PayPal alternatives that allow you to send and receive money to and from friends, family members, and merchants.

It’s good to know what the various competitors offer so you can choose the right payment processor for your needs.


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