| PayPal Alternatives | Key Features | Payment Methods |
|---|---|---|
| Payoneer | – Get paid in local receiving accounts – Request a payment – Lower transactions fees | – Credit card – ACH direct deposit – Payoneer account |
| Stripe | – Hosted payment page – Third-party integrations – Flexible invoicing – Multi-currency payouts | – Cards – Digital wallets – Bank debits and transfers – Authenticated bank debits – Buy now, pay later, and more… |
| Coingate | – Accept & manage 70+ Crypto – Multiple payout options – Instant email billing solution – Easy integration | – 70+ cryptos supported |
| Wise | – Regulated around the world – Convert & hold multiple currencies – Dedicated anti-fraud team | – Online Banking – Debit/Credit card – Apple Pay – Google Pay |
| Razorpay | – Payment Links, Pages, & Buttons – Easy Integrations – Simple Pricing – Invoicing | – 100+ Payment Methods |
| 2Checkout | – Subscription Billing – 100 Display & Billing Currencies – 200+ Countries and Territories – Available in 30+ Languages | – 45+ Payment Methods |
| Instamojo | – Payment Links & pages – Embed Payment Button – Faster payouts | – Credit & Debit Cards – Online Banking – Payment Wallets – UPI |
| Google Pay | – Send or receive money via email or phone number – Easy Integration – Fraud alerts – Industry – Leading security | – Credit & Debit Cards – Online Banking – UPI – Google Play Balance – Gift Cards |
| Skrill | – Pay online by sharing bank details – Send Money with a Zero transfer fee – Receive money from all over the world – Loyalty Rewards to unlock VIP benefits | – 100+ Payment Methods |
| Remitly | – Competitive Exchange rates – Multiple pay-in and pay-out options – Zero transfer fees for $1,000+ | – Credit & Debit Cards – Prepaid cards – Bank account (U.S, Canada) – Passbook (U.S) – Faster Payments (UK) |
| Coinbase Commerce | – Accept Crypto payments within minutes – Easy conversions – Receive payments Globally – Custom checkouts & Invoicing – Easy API & E-Comm integrations | – BTC, ETH, USDC, USDT, APE, BCH, DAI, DOGE, LTC, SHIB |
I have been a PayPal user for almost 12 years and love it. When I was starting online, I had no idea how to receive money from people outside of my own country, and PayPal made it so easy to receive money from these foreign country transactions.
In my homeland (India), due to PayPal and RBI disputes, I can no longer use PayPal the same as other users from countries like the U.S.A, the U.K., and Australia.
So I started digging around to find some of the best alternative sites to PayPal.
There are many sites that are similar to PayPal with more or fewer features. I will list some of the best money transfer sites which I have found while searching for an alternative method for receiving payments. If you know of any others, feel free to suggest them via the comments.
For a quick read, here is the list of services that are mentioned below:
- Payoneer (For receiving and sending payments)
- Stripe (Use as a payment gateway)
- Coingate (For Crypto payments)
- Wise (For sending and receiving payments)
- Razorpay (If you are targeting India, use this payment gateway)
- 2checkout
- Instamojo
- Google Pay
- Skrill
- Remitly
- Coinbase Commerce
Best Alternative sites to PayPal: 2024 Edition
These PayPal alternatives are idle for freelancers, bloggers, small business owners, and affiliates. I would love to know what tool you are using to send or receive payment from overseas.
So, let’s start with our grand list of best PayPal alternatives:
1. Payoneer
Payoneer is one of the oldest services for global payment, and now they are available in countries like India, Pakistan, and many more. Payoneer will let you receive money from the U.S, European countries, Japan, Australia, China, and a few other countries. The best part about Payoneer is the transaction fees are lower and because of this, you will end up saving a lot of money. Do visit Payoneer review to learn more about their offerings.
Signing up for Payoneer is free, and once you have done a transaction of $1000 using Payoneer, you will get a bonus of $25.
Here are a few more tutorials & guides for using Payoneer:
- How to receive Commission Junction payment using Payoneer
- How to Configure Amazon Affiliate account to receive commission using Payoneer
2. Stripe
If you are looking for a PayPal alternative to accept payment on your online store, Stripe is the best option. It’s a USA based company & accepts applications from many countries in the world. If you are from a country that is not on the operation list of Stripe, you can take advantage of the Stripe Atlas program that let you incorporate a company in USA & also opens a bank account for you. I actually did all this to run ShoutMeLoud store & you can read about Stripe Atlas program here.
Stripe has integration with almost all the web stores, and e-commerce stores so you are more likely to find a plugin or a way to integrate Stripe with your web store or e-commerce site. You can use Stripe to accept one-time payments & even for accepting recurring payments.
Stipe accepts payment from all major debit/credit cards from 135+ countries, so you can truly go global with Stripe.
There are no setup fees or monthly fees. However, per transaction Stripe charges 2.9% + 30 cents. You can also accept payment in Bitcoins using the Stripe payment processor.
3. Coingate
Coingate is a crypto alternative of PayPal that can be used for P2P payments and accepting online payments on your e-commerce store. Users can pay using stable coins, BTC, and over 20+ crypto assets. The integration is simple, which would let you add the “Pay with crypto” button to your e-commerce store.
Coingate offers one-click integration with almost all popular e-commerce solutions. Another thing that you as a store owner may like about Coingate is, that you can choose to keep the crypto you received as payment, or you can automatically convert that into fiat and receive the funds in your bank account.
4. Wise
Many of you might not know this popular money transfer website which was created by the people behind Skype & backed by Richard Branson. You might prefer Wise over PayPal because of their low transaction fees & currency conversion charges. That means you won’t lose money in currency conversion.
Watch the below video to understand how easy it is to send money using Wise (ex-TransferWise):
Wise supports various countries & currencies.
When you signup for Wise using the link below, your first transaction (up to £500) is completely free.
5. Razorpay
If your e-commerce store or SAAS tool offers its services in India, you should use Razorpay. In fact, Razorpay is a better alternative to Stripe and PayPal for collecting payments in India and in some cases internationally.
With a suite of great products and features, Razorpay is a great choice for international payments. India’s most-trusted payment gateway offers a plethora of local payment options with coverage of over 200 countries. If you’re an exporter or an Indian business that accepts international payments, this is why you need to use Razorpay.
- Lower transaction costs and fees: Razorpay charges only 3% on international transactions, which is among the lowest in the industry. Businesses can save up to 50% of their processing costs.
- Local payment methods: Customers worldwide can pay in their familiar, local payment methods. Razorpay offers payment options like Trustly, POLi, Giropay, and Sofort. You will never lose a customer because you didn’t offer a method he was familiar with in his country.
- International bank transfer: Accept payments via all international bank transfer systems like ACH (USA), SEPA (Europe), SWIFT, and CHAPS (UK) and avail of the widest card coverage
- Wide currency coverage: Customers from 200+ countries can pay in their local currencies while you accept payments in rupees (or your preferred currency)
- Digital FIRC: No more struggling for manual FIRC by running from pillar to post. Razorpay offers digital FIRC that can be procured at a button. There is no need to wait for 45-60 days to procure FIRC certificates manually.
- Best-in-class success rates: Our transaction success rate on international cards is over 70%, which is great for businesses.
6. 2Checkout
Many of my online partners have resorted to 2CO for all their online money needs. 2CO has a lot of positive reviews and is considered a great alternative to PayPal. Here at the ShoutMeLoud download store, 2CheckOut is used to collect payments from all over the world.
The only downside of 2CheckOut is the high transaction & transfer fees. If you use 2CheckOut, I would suggest keeping your payment release level high so that you save on money transfer fees.
Getting on board with 2CheckOut is easy & their support is pretty awesome.
Supported currencies for FOREX:
US Dollars, Argentina Peso, Australian Dollars, Brazilian Real, Canadian Dollars, Danish Kroner, Euro, GBP-Sterlings, Hong Kong Dollars, Indian Rupee, Japanese Yen, Mexican Peso, New Zealand Dollars, Norwegian Kroner, South African, Rand, Swedish Kroner, Swiss Francs
7. Instamojo
Instamojo is the PayPal equivalent for Indian users. You can quickly send payment to other Instamojo users using @username or email address. Similarly, you can receive payment by giving your username to others. You can also set up an online store if you like and sell stuff like digital products or services. I have been using Instamojo for almost 2 years and it’s getting better day by day.
8. Google Pay
Google pay service is available for everyone to integrate Google pay with their existing website, e-commerce store, app, and more. Implementing Google pay is easy with any kind of website or service that you offer or you can use ready-made integration for services like Shopify, WooCommerce, Stripe, Square to name a few.
- Payment method: Credit card, debit card, Bank transfer, UPI
- Credit card fees: 2.9%
- Debit card & bank transfer fees: Zero
- Withdrawal time: 1-3 days
Personally, if you are looking for a long term PayPal alternative for your online store, Google pay should be an idle choice.
9. Skrill
Skrill is a very popular alternative for PayPal & Payoneer because of their currency conversion rates (they are the best).
I have tried it myself a couple of times and MB transfers work great. They also offer a prepaid Mastercard that works in millions of shop worldwide. They also have an iPhone & Android app so you can make transactions from your mobile.
10. Remitly
Remitly is another popular service to send money to India & Philippines. They are running great promotional offers & one of them is no charge on transfers over $1000. When sending money via credit or debit card, the transfer will happen automatically at the flat rate of $3.99.
You also have an option to send payment without any fees, but it will take 3 days.
I believe that when you are not in a hurry, free is good.
11. Coinbase Commerce
If your business is ok accepting Cryptocurrencies like Bitcoin, Ethereum, or even stablecoins like USDC, you should use a Coinbase merchants account. This will help you to save a significant amount of money and the settlement is done quite fast.
Coinbase is a well-known crypto service provider from the USA, which launched Coinbase merchant service a while back.
Features of Coinbase merchants:
- No fees to accept cryptos
- USD coin – If you not accepting crypto due to volatility, you can accept payments in USD coin. It’s faster and pegged to real USD value.
- Global – No limitation of jurisdiction
- Webhooks for charges
- Hosted checkout buttons
Following integrations are available:
- Shopify
- WooCommerce
- OpenCart
- Gravity forms
- osCommerce
Withdrawing funds to your bank account can take up to 1-3 days. This service is not for everyone as it requires a little technical kn0w-how that could be easily learned. However, the advantage is really high if your clients are ok paying in cryptocurrencies. As a crypto PayPal alternative, this is worth checking out.
Bonus service:
These are the top alternatives for PayPal. Frankly, compiling this list was a bit of a pain because all of the above-mentioned services have something unique about them.
Other services which are popular to send & receive money internationally:
I enjoy using Payoneer the most due to their credibility & great service for sending and receiving payments.
For collecting payments (payment gateway), you should look into Stripe or Razorpay.
Which service do you prefer as a PayPal alternative?
Also, see:
- PayPal vs. Payoneer: Which one helped me earn an extra $1,700/year?
- How I Opened A Bank Account In The USA From India: Stripe Atlas Experience
- Easy Digital Downloads Review: Best Way To Create Digital Download Store in WordPress
Hi,Very useful post.1 important question .If i get mastercard from payza can i use it for hosting purchase like ipage, hostgator?.Will these cards will be accepted by them?.Awaiting for reply,Thank you.
@Kaviyarasu
Yes, you can use that Master card for buying anything online.
After reading this article I wanted to change my transaction over payZa .Will you recommend this. ? Harsh I’m a regular shouter; The left side social sharing button irritates many times. So do remove this floating bar or change its location please.
@Arvind
Payza is getting popular & they are operating in many countries; so yes, you can move to Payza. I will look into that Social sharing button issue..I believe it’s happening due to screen size. Will find a solution 🙂
can i recieve Money from amazon USA using Payza? OR TRANSFERWIRE?
@Nijesh
I believe not. You can receive using Payoneer. This guide would help you: https://www.shoutmeloud.com/amazon-us-affiliate-payment.html
payoneer is the best solution for recieving online money payment and i rexommended it rather than paypal
@Hemant
Thanks for your comment on all other posts too. Good to get your insights on the topics here at ShoutMeLoud.
Thank you for the information, now I still use Paypal and FasaPay, for FasaPay I often use for forex deposits.
I just joined payoneer for recive payment from globle and what I should I put purose code for I earn from blogging, sell on net, and other income from net , and I have hosting business. What code,do i put on payoneer.
Hi Kamal,
I live in India. My employer in US has send payment via paypal. But paypal says i can get my money only after 21 days. is there anyway i can get my money quickly. Also suggest if Xoom is better. But my employer says Xoom has cancelled the transaction saying it is “commerical.” Please advice and suggest alternative service that suits me. Thanks
If you are new to Paypal, you have to wait for 21 days until you are an established seller. Once you are established, you can withdraw instantly.
Hi,
I agree Paypal is ruling the market at the moment because of its credibility. But the exchange rate is too low apart from the standard fee.
What should be the best option for freelancers to receive money from UK to India (GBP to INR) ??
Kindly reply.
Thanks.
The Payza personal account doesn’t let me receive money, forcing me to get a business account, and thus paying higher fees.
Google Wallets and Amazon Web Pay is still not available in India.
There is a new provider called Zilra which is in the pre-launch stage. They’ve promised me that they can provide a smooth transaction experience, but I’m still waiting.
Xoom and Skrill are totally new for Me.
Can they are safe paypal alternatives for indian blogger? Because of Indian RBI rules about foreign currency they are not allowing some online payment processing system.
Hi
Joel James is right Payza’s service is the worst service in the world they block customers account without any reason. my account was blocked before one month and i got an email that i need to provide the documents which i have already given to them at the time of opning an account for the reopening of my account i gave then all the documents but still it is on hold i mailed then regarding this and they replied after almost one month and when we go for live chat they always have only one statement that our team will get back to you as soon as possible and when we say that why its taking that much time then they say that we are getting high number of customer flow that’s why its taking time but my question is if you are getting this much customer flow then you should have sufficient staff to resolve that their answers are totally unprofesstional i was thinking to use Payza as an alternate payment option for my customers but they dont want any customer.
So i would request everyone not to use Payza if you want to save your time and money.
Hi,
My question about paypal. My paypal account name and my pan card name is same but, my bank account name not match.
Can i still add my bank account?
Help,
Thanx
guys! i provide freelancer services and now i am going to expand my work in usa ….so can u tell me the best payment method (except paypal) for usa to india transcation???
As you said no one is competing closer to Paypal, I also believe this. Others may have some new or excellent features but the largest community behind the Paypal is its biggest plus point. We hope RBI will understand one day and open all unusual restrictions on Paypal.
There are some alternative ways to send money to indian users, but same day transaction is main problem with paypal in India.
Hi,
Are these options fine to RECEIVE money for Transactions in India from Indian resident buyers? I guess most of the listed sites, do not allow this, following similar guidelines to Paypal by the RBI… i.e: You cannot pay any Indian seller, if you are an Indian buyer, through these sites that you have mentioned here.
Alternatives could be gateways like CC Avenue and others – But these are not as convenient as Paypal… Can anyone, suggest Paypal alternatives for Indian transactions as stated above? I mean as convenient as Paypal but acceptable in India as per RBI rules?
Thanks
Please tell me which site best to transfer dollar in paypal account
and what should be the purpose code in paypal account ,also tell me more about a
verified paypal account.
Hello the first alternative doesnt sound right? I mean a set up fee of 49$ and on top of that 5.5% fee and also 0.45$ per transaction doesn’t look right at all, they are simply stealing money. Just my view on the topic, might differ from you apart from that, I would also like to add one more service to this list, its a new player in e-wallet services and named Okpay, not very popular but the cheerful part is it also provides a source of income with its referral service(like you invite users to orkut).
Warm regards,
Anil Sharma
Dear All,
I want to develop a site with products showing INR rates in shopping cart with Paypal integration ..When i enquired with my friends i came to know that Paypal doesnt accepts INR .
1.My question is whether it accepts INR currency as i am targeting only domestic market in india .
if so what is meant by currency convetion rates which its mentioned in Paypal website stating that “This exchange rate includes a 2.5% fee ” , Since i am accepting only INR currency why there is currency convertion rate is getting applied .
So do i need to pay 3.4 % + 0.3 US dollars + 2.5 %
Please advice …its most urgent …
Thanks in advance .. God bless
Paypal does not allow Rupees. This basically means that your customers needs to pay in the currency that Paypal accepts. Let us say you are selling an item and you are asking $20 per item. When an Indian customer tries to buy this product, the money from his account (Rupees) will first get converted to USD (Based on paypal set exchange rate.. they get a commission here) and then the money is converted to rupees again when they convert the USD to rupees (Based on their exchange rate). The seller and buyer are losers due to exchange rate conversions. This is on top of their fees etc.
Nothing comes close to paypal in terms of acceptance and features. Some time back when Paypal had an issue, odesk had waived off the payoneer card fees. I checked out their charges then.
They have withdrawal fees and I think it works out to be more expensive that Paypal even without the card fees at the outset.
Regarding other services like Alert pay and Moneybooker, have heard of them but never felt the need to check them out.
Alertpay is the one which I think is popular after PayPal. So consider that service.
One more alternative is Liberty Reserve..
Yeah Typhoon,
Liberty reserve is another great alternative, I love it because of its popularity and ease of access.
I think moneybookers is doing great. Their charges are lower. Unfortunately moneybookers is not supported at USA, so I also had to use payoneers for USA clients.
An alternative of paypal is now very essential. They are dominating the market as they have huge users.