35 of the Best PayPal Alternatives, All in One Place

Maddie Shepherd

Senior Staff Writer at Fundera
Maddie Shepherd is a senior staff writer at Fundera. Beyond her deep knowledge of small business financing, Maddie's specialty is business credit cards—she'd love to help match your business with the credit card that benefits you most!
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Although some business owners see PayPal as the end-all-be-all for electronic payments, others might be wondering if they can find a PayPal alternative that can better serve their business’s needs.

After all, every business has different credit card processing needs and priorities, so how could a single company address all of them?

To help you get an idea of what the best PayPal alternative is for your business, we’ve compiled a list of 35 options for you to comb through. With this comprehensive list, we’ll provide the details on top PayPal competitors and flesh out reasons why you might opt for each alternative to PayPal.

What PayPal Alternatives Are Competing Against

As a refresher, let’s take a look at the fundamentals of what makes PayPal a go-to option for small business payment processing. Here are the basics of what PayPal alternatives have to compete against to win your business over PayPal itself:

  • Payment processing, both in-person and online
  • Transparent pricing that starts as low as 2.7%
  • Mass payments of up to 5,000 payments in one fell swoop
  • Customizable invoicing for 2.9% + $0.30, incurred by invoicer
  • Integrations for software development
  • Payment gateways for ecommerce businesses

The Definitive List of PayPal Alternatives for Small Businesses

We scoured the industry to compile a list of all the most notable PayPal alternatives out there. So, with 35 PayPal competitors listed below, odds are that the best PayPal alternative for your business is one of them.

1. 2Checkout

First up in our alphabetical list of the 35 most notable PayPal alternatives is 2Checkout, an online payments processor. In the U.S., payments successfully processed through 2Checkout will cost 2.9%, plus $0.30 per transaction.

2. Adyen

If you’re wondering what the PayPal alternative for eBay is, then your answer is Adyen. Plus, even beyond eBay, some of the biggest names in tech—like Spotify and Etsy, for instance—rely on this PayPal competitor for their online payment processing. Though they’re very transparent about pricing—providing a long list of how much any given payment would cost your business to process—Adyen’s pricing can get pretty complicated, so be sure to read up on the details before deciding on this alternative to PayPal.

3. Amazon Pay

Another alternative to PayPal, Amazon Pay allows your customers to check out online using the information they have stored in their Amazon account. Amazon Pay will likely cost you 2.9%, plus $0.30 per transaction, though cross-border fees will be 3.9%, plus $0.30.

4. Authorize.Net

Yet another online credit card processing company to look into as a PayPal alternative for your business, Authorize.Net will cost you a $25 monthly fee and 2.9%, plus $0.30 per transaction if you set up both a merchant account and a payment gateway with them.

5. Avangate

One of the pricier PayPal alternatives on this list, Avangate will cost you 3.99%, plus $0.99 per transaction for their entry-level package, Growth Edition.

paypal alternative

6. BlueSnap

A popular payment gateway option, BlueSnap will charge you varying transaction fees, based on what kinds of transactions you process. BlueSnap pricing in the U.S. will range from as low as 2% plus $0.30 per transaction, up to 3.7% plus $0.30.

7. Braintree

Though Braintree is a PayPal company, the product and services they offer differ slightly. So, although they’re not technically a PayPal competitor, Braintree is certainly an alternative to PayPal worth considering. For both a merchant account and a payment gateway from Braintree, you’ll have to pay 2.9%, plus $0.30 per transaction.

8. Charge.com

If you’re looking for the most affordable PayPal alternative possible, then consider opening a merchant account with Charge.com, which will cost you a little as 0.25%, plus $0.15 per transaction.

9. Dwolla

If you only need to accept and send ACH payments, then look to Dwolla as a go-to PayPal alternative for your business. As a fairly new company, Dwolla is still working on a pay-as-you-go account option for smaller business. However, as it stands, Dwolla will cost you a flat fee of $2,000 a month for their Scale account option.

10. FastSpring

The 10th PayPal alternative on our list, FastSpring, offers payment processing and online checkout products that allow for global transactions. That said, FastSpring isn’t particularly transparent with their pricing, so you’ll have to contact their sales team to access information on how much this PayPal competitor will cost your business.

11. Google Pay

Google Pay is a virtual wallet that allows you to request and pay money with your phone in person and online. Google Pay is typically used for consumer reasons, but for smaller-scale payment processing needs, it could be an ideal free PayPal alternative.

12. Intuit GoPayment

If you’re looking for the best PayPal alternative for syncing with your QuickBooks accounting books, then look no further than Intuit’s very own QuickBooks GoPayment. GoPayment is an app that allows for mobile payment processing. You’ll simply have to pay 2.4%, plus $0.25 per magstripe, chip, and contactless payment, and 3.4%, plus $0.25 per keyed in payments, including camera-scanned payments with this PayPal competitor.

13. Klarna

Perhaps the most novel of the PayPal competitors we list here, Klarna not only offers payment processing and merchant accounts but also offers payment plan options for your customers. See Klarna’s product options to get the details on their options, but you’ll need to ask for a quote to know how much this alternative to PayPal would cost your business.


If you’re willing to go with a PayPal alternative that can only process Visa payments, then NETELLER can offer you some of the most affordable rates out there—a flat 2.5% for every payment that doesn’t require currency exchange (those that do will cost an additional 3.99%).

15. Merchant, Inc.

A PayPal alternative that brands itself as “the #1 PayPal alternative,” Merchant, Inc. is an online payment processing and virtual checkout company that will cost you fees starting at 0.35%, plus $0.25 per transaction.

16. Paylane

Another online payment processing company, Paylane actually works in tandem with PayPal, setting up a checkout process that will allow your customers to use PayPal to pay for your goods or services. Paylane also accepts card payments, which will typically cost your business 2.8%, plus $0.25 per transaction.

17. Payline

If you’re looking for in-person payment processing, online payment processing, or both, then Payline is a viable PayPal alternative for you to consider. For a payment gateway website, you’ll have to pay a $20 monthly fee ($10 for payment processing, and $10 for the gateway itself) and the interchange fee, plus 0.3% of the transaction value.

18. Paymate

If you’re running a business based in Australia or New Zealand, then Paymate is a more local PayPal competitor for you to consider. This PayPal alternative will allow you to accept online credit card payments without a merchant account and will cost you as little as 2.60% of each transaction you process.

19. Payoneer

Through Payoneer, you’ll be able to send and receive payments for free, so long as your customer or vendor is also a Payoneer member. If you want to accept payments directly from non-Payoneer customers, they will cost you 3% for credit card transactions and 1% for echeck payments.

paypal alternative

20. Paysera

For European-based businesses, Paysera is a go-to PayPal alternative—for their customer checkout services, you will simply need to pay 1.1% of every card transaction processed, so long as the card was issued in the EU. For processing payments from cards issued outside of the EU, you’ll have to pay 2.3%.

21. Payza

The Bitcoin-centric PayPal alternative Payza allows you to send funds of any kind for free. Receiving non-BTC funds will cost you 2.9%, plus $0.30, but receiving BTC funds will only cost you 1.2%.

22. Popmoney

If you only need to be able to send and receive ACH payments, then Popmoney could be a potential PayPal alternative—you’ll simply have to pay $0.95 per payment if you decide to pay or receive payments through Popmoney.

23. ProPay

One of the most comprehensive PayPal alternatives of our list, ProPay offers in-person and online payment processing for card payments and bank transfers. For this comprehensive setup, you’ll need to pay more for ProPay, though—pricing starts at $39.95 for the setup cost, $39.95 for the yearly cost, $10 for a card reader, plus transaction fees that start at 2.6%.

24. Selz

Yet another payment gateway to consider instead of PayPal, Selz offers a tiered plan option, the base tier of which is a free account to set up. Of course, you’ll have to pay transaction fees—Selz will cost you as little as 2.9%, plus $0.30 per transaction, depending on which Selz plan you opt for.

25. Shopify Payments

Unlike Shopify POS, which sets you up for a full, in-person point of sale, Shopify Payments allows you to accept online payments. Shopify pricing is a monthly fee that starts at $29, plus a transaction fee that starts at 2.4%.

26. Skrill

The PayPal alternative Skrill typically addresses consumer payment needs, but if you need to make a bank payment to a vendor or partner, Skrill’s low 1.45% payment fee rate will be easier to swallow than other invoicing services’ fees.

27. Square

Though Square rivals PayPal in notability, it won’t necessarily be a perfect sub for PayPal’s offerings. Although Square offers highly capable, in-person POS and payment processing, PayPal typically enables online payment processing. That said, if you’re on the hunt for a solid in-person payment processing system, Square is likely the best alternative to PayPal for you.

28. Stripe

The PayPal alternative Stripe powers the checkout processes of some of the biggest companies in the world, like Amazon and Google. But that doesn’t mean their price tag is correspondingly large—Stripe will only cost your business 2.9%, plus $0.30 per transaction.

29. TransferWise

A more globally focused PayPal alternative, TransferWise offers a cheaper way to process international payments. They’ll simply charge you 0.6%, plus $1 of every payment you send through their platform.

paypal alternative

30. Venmo

A PayPal competitor typically associated with consumer payments, Venmo actually offers a business side to their platform. To accept Venmo payments from your customers at checkout, you’ll need to integrate with PayPal or Braintree, though, so this option won’t necessarily be a PayPal alternative—it’s more an additional payment option for you to offer your customers.

31. ViewPost

Through a company account with ViewPost, you’ll be able to send and fulfill invoices, offer invoice discounting, and even earn cash back for your payments. To have a ViewPost account, you’ll have to pay a $14.95 monthly cost, along with transaction fees, which they’ll disclose only once you make a ViewPost account.

32. WePay

If you’re looking for a payment system to integrate into your business’s online checkout experience, then WePay is yet another PayPal alternative to look into. WePay can even offer point-of-sale companies the ability to move their business onto tablets and mobile devices. That said, you won’t be able to find much information about WePay pricing on their website, so be sure to request a demo from their team if you want a better idea of what WePay would cost your business.

33. Wirecard

The PayPal competitor WireCard has been up and running since 1999, and they have been steadily beefing up their payment processing offerings since then. If you want to get an idea of what WireCard can offer your business, you’ll have to fill out their contact form on their website and wait for a member of their team to reach out to you.

34. WorldPay

Through WorldPay, you’ll be able to access WorldPay U.K., WorldPay U.S., or WorldPay Global for your business’s payment processing needs. Each of these offers online card payments, gateways services, data and analytics, and much more, all at varying breadths. WorldPay doesn’t offer pricing information on their website, so you’ll have to fill out an application to access necessary details on fees and costs that come with this PayPal alternative.

35. Zelle

Finally, your last PayPal alternative to look into is Zelle. Much like Venmo, Zelle is typically a consumer-focused payments solution. That said, if you need to make a one-off payment to a partner or vendor, then Zelle could be your free solution for small-scale payments.

Find the Best Alternative to PayPal for Your Business

There you have it—all 35 of the most notable PayPal alternatives to consider while automating your small business’s payment processing systems. Whether you want to set up a brand-new online checkout experience for your customers or you simply want to tack on yet another payment option for them to choose from, you have a lot of PayPal competitors to look into.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Maddie Shepherd

Senior Staff Writer at Fundera
Maddie Shepherd is a senior staff writer at Fundera. Beyond her deep knowledge of small business financing, Maddie's specialty is business credit cards—she'd love to help match your business with the credit card that benefits you most!

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