PayPal Alternatives: Your 35 Best Options, All in One Place

Maddie Shepherd

Contributing Writer at Fundera
Maddie Shepherd is a former Fundera senior staff writer and current freelance writer. Maddie has an extensive knowledge of business credit cards, accounting tools, and merchant services, but specializes in small business financing advice. Maddie has a bachelor's degree in Spanish and Latin American cultures from Barnard College.
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In the world of digital payments, PayPal landed on Plymouth Rock first. When it debuted in 1998, it was the first service that made electronic payments available to the masses. However, since that time many new businesses have launched that rival PayPal as a payment processor. Just because PayPal was the first, doesn’t necessarily make it the best. You’d be right to wonder if some of these PayPal alternatives are better suited for your business.

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 alternatives are 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

Before we get into our list of PayPal alternatives, let’s take a look at the fundamentals of what makes PayPal a go-to option for small business payment processing. Here is what PayPal offers, and what PayPal alternatives are competing against: 

  • In-person and online payment processing
  • Per transaction pricing starting at 2.7% for in-person payments and 2.9% + $0.15 for digital payments
  • The ability to accept keyed-in (card not present) transactions at a rate of 3.5% + $0.15
  • The ability to send and process invoices at a rate of 2.9% + $0.30
  • The ability to accept magstripe, chip card, and contactless forms of payment
  • Accept 25 different credit and debit card types, plus over 200 different currencies
  • PayPal Payflow—an integrated payment gateway that costs $25 per month
  • The ability to send up to 5,000 payments at once for a fee of $0.25 per transactions plus 2% of the total payout
  • PayPal Here—a mobile POS system
  • Integrations with a variety of POS systems
  • Mobile card readers ranging in price from $14.99 to $99.99
  • A micropayments plan that costs 5% + $0.05 per transaction.
  • 501(c)(3) non-profit pricing of 2.2% + $0.30 per transaction

The Definitive List of PayPal Alternatives for Small Businesses

We searched high and low to compile a list of all the most notable PayPal alternatives out there (we even alphabetized them!). We feel the at least one of the following 35 payPal alternatives will be a good match for your business:

1. 2Checkout

First up in our alphabetical list of the 35 most notable PayPal alternatives is 2Checkout, an online payments processor designed for ecommerce businesses. 2Checkout comes with a range of features, including the ability to accept payments from all over the world, host your own checkout page, set recurring transactions, compile reports on your payments history, and more. To use 2Checkout, you must sign up for one of three product plans which range in price from 3.5% + $0.35 per transactions to 6% + $0.60 per transaction. While this seems like a lot, you do get a range of features besides payment processing, making it a nice choice for ecommerce merchants looking for a PayPal alternative. 

2. Adyen

If you’re wondering what the PayPal alternative for eBay is, your answer is Adyen. 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 also get pretty complicated, so be sure to read up on the details before deciding on this alternative to PayPal. In terms of features, Ayden subscribers will enjoy the ability to accept payments from anywhere in the world, and a suite of security features. 

3. Amazon Pay

Another alternative to PayPal, Amazon Pay, is a payment gateway that allows your customers to check out online using the information they have stored in their Amazon account. Amazon Pay will cost you 2.9%, plus $0.30 per transaction, though cross-border fees will be 3.9%, plus $0.30. Note that Amazon Pay does offer lower fees to charitable organizations.

4. Authorize.Net

Yet another online credit card processing company to look into as a PayPal alternative for your business is Authorize.Net. With Authorize.net, you get a highly reputable payment gateway that will allow you to process online transactions at a rate of 2.9% + $0.30. You’ll also pay a $25 monthly fee. Features that come with Authorize.net include fraud detection, recurring billing, a QuickBooks integration, and an invoicing suite.

paypal alternatives

5. 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% + $0.30 per transaction, up to 3.7% + $0.30. Features you can expect with BlueSnap include chargeback monitoring, fraud prevention, and a reporting suite. 

6. Braintree

Though Braintree is a PayPal company, the product and services they offer differ slightly. How? Well, Braintree offers dedicated merchant accounts, whereas PayPal only provides aggregated merchant accounts. The upshot here is that you can expect fewer account freezes and terminations working with Braintree. 

For both a merchant account and a payment gateway from Braintree, you’ll have to pay 2.9%, plus $0.30 per transaction. You’ll also enjoy the ability to accept magstripe, chip card, and contactless forms of payment, plus the ability to convert over 130 different currencies. Braintree can also be integrated with PayPal Here, turning it into a mobile POS.

7. 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. You won’t get a lot of other bells and whistles here, but the price is hard to beat. 

8. 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.

9. FastSpring

This next PayPal alternative, FastSpring, is actually an ecommerce platform that provides in-house payment processing and merchant accounts. FastSpring offers quote-based pricing, and includes the following features with all its plans: The ability to accept 22 different currencies, chargeback monitoring, 24/7 support. 

10. Fattmerchant

Fattmerchant is a subscription-based, flat-rate, payment processor for ecommerce businesses. The cost to use Fattmerchant is $99 per month plus a per-transaction interchange fee, which varies depending on which platform you are using Fattmerchant with (Ecommerce store, EMV terminal, virtual terminal). Fattmerchant comes with some useful features, including chargeback monitoring and a QuickBooks integration.

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 alternative.

13. Klarna

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. Some unique features Klarna provides include the ability to allow your customers to pay installments and a messaging interface during payment. 

14. NETELLER

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%). Note that NETELLER is a subsidiary of Payline (which we will talk about shortly). 

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. But note that, if you’re not careful, the fees can really add up from there. Merchant, Inc. charges for signing up, installation, and setting up your account to be able to accept Discover and American Express. 

16. Paylane

The PayPal alternative Paylane actually works in tandem with PayPal by providing you a payment gateway 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. Other features include the ability to accept over 160 different currencies, arrange recurring payments, and store customers’ payment information. 

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, 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. Payline can also provide you with additional payment tools, including a virtual terminal or credit card terminal. 

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 charge you 3% for credit card transactions and 1% for e-check 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%. Paysera can also facilitate currency exchanges and global transfers. 

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 on 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 range from 2.29% + $0.25 to 3.55%. ProPay account holders will also receive a prepaid MasterCard debit card for free. 

24. Selz

Selz is a payment gateway and ecommerce platform you may want to consider as a PayPal alternative. Selz offers a tiered plan option—including a free option . Of course, you’ll still have to pay transaction fees—Selz fees start at 2.9% + $0.30 with a 2% transaction fee tacked on for the free plan (the additional transaction fee is lowered for the other plans). With Selz you’ll also be able to set up a basic ecommerce store. 

25. Shopify Payments

Shopify Payments allows you to accept online payments for your ecommerce store. It only makes sense to use Shopify Payments if you also have an ecommerce store with Shopify. If you do, you’ll get access to affordable payment processing rates starting at 2.9% + $0.30 for online transactions for subscribers to the Basic Shopify plan ($29 per month). That rate drops to 2.4% + $0.30 for Advanced Shopify subscribers ($299 per month). 

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. Note that Skrill is another Payline subsidiary. 

27. Square

Square rivals PayPal in popularity, and for good reason. It offers a variety of payment processing solutions, including the ability to accept magstripe, chip card, and contactless forms of payment. It also sells some of the most popular payment processing hardware, including the famous Square magstripe reader and Square Register. Square’s payment processing rates are also affordable: 2.75% for in-person transactions and 2.9% + $0.30 for online transactions. For these reasons and many more, when it comes to Square vs. PayPal, lots of merchants choose the former. 

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. Stripe is a good option for large businesses, as its API allows those with some technical background to customize their payment solutions to fit their business’s needs. 

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 your account is set up and ready to go. 

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. The best part about WePay is that it can integrate with most POS providers. 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. WireCard is a good option for businesses that need to be able to accept payments from around the world. 

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. 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. Generally, transaction fees range between 2.7% + $0.30 and 2.9% + $0.30.

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 PayPal Alternatives for Your Business

There you have it—35 of the most notable PayPal alternatives to consider when choosing a payment processor for your small business. 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 now have a lot of PayPal alternatives to look into.

Editorial Note: Fundera exists to help you make better business decisions. That’s why we make sure our editorial integrity isn’t influenced by our own business. The opinions, analyses, reviews, or recommendations in this article are those of our editorial team alone. They haven’t been reviewed, approved, or otherwise endorsed by any of the companies mentioned above. Learn more about our editorial process and how we make money here.

Maddie Shepherd

Contributing Writer at Fundera
Maddie Shepherd is a former Fundera senior staff writer and current freelance writer. Maddie has an extensive knowledge of business credit cards, accounting tools, and merchant services, but specializes in small business financing advice. Maddie has a bachelor's degree in Spanish and Latin American cultures from Barnard College.

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