The 7 Best Alternatives to Paypal for Online Payments

7 Alternatives to Pay Pal

PayPal is the most popular online transaction website, but entrepreneurs are sometimes reluctant to use PayPal for various reasons – from high fees to its lack of consistency in customer service. (I’ve personally not had any issues with PayPal, but I’ve heard some horror stories!)

Luckily, there is a lot of competition and many options out there as alternatives to using Pay Pal for invoicing or other  payments. Do your research and see what fits YOUR business best, but here’s a good starting point. (in no particular order)

The top 7 alternatives to PayPal:


FreshBooks is an online invoicing, time tracking and expense management service that helps people save time, get paid faster, look professional and focus on what they love to do – their work. I’ve been using it for a while now and LOVE it!

Clients can pay with PayPal or with a credit card. FreshBooks Payments is powered by WePay, who handles all the processing in the backend. But FreshBooks is more than just a way to get paid, it can also serve as your accounting software. FreshBooks is simple and intuitive, so accounting isn't intimidating.

Google Wallet                

Google Wallet (once was Google Checkout) has safe, simple and rapid transfers to and from your bank account. Google Wallet is fantastic and has similar features to PayPal, such as the ability to send invoices and credit card processing.


With incredible account fraud protection and customer service, WePay stands out as an alternative. Consumers can make purchases without leaving your site via a virtual payment terminal. This makes your site look more professional and makes consumers feel more comfortable when checking out.


Authorize.Net has been around since 1996 and is one of the most widely used payment sites. With more than 400,000 merchants, Authorize.Net has been the recipient of the Achievement in Customer Excellence (ACE) award for 5 years in a row.


ProPay has similar features to Paypal which includes the ability to receive and send money anywhere in the world, and even a built-in shopping cart and recurring billing. One big advantage that ProPay has over the others is that it’s also accepted by eBay. Along with Propay is ProPay JAK which is a mobile phone credit card reader, much like Paypal Here, that can process credit and debit cards in real-time on your iOS or Android phones, allowing you to do financial transactions in person instead of having to login into a website.


Just like Paypal, Dwolla allows you to do anything from accepting payments to paying your friends. What’s really unique about Dwolla is that if both payment parties have a Dwolla account, then money can be spent easily through their names, Facebook, Twitter, or LinkedIn profiles, their telephone number, or their email addresses.


Stripe is a quickly growing start-up that removes the need for a merchant account or gateway, and allows for everything from direct withdrawals to your bank accounts, to storing credit cards. One of the best features of Stripe is one that web developers will love – is the ability to integrate a payment system into a project by using Stripe’s API function.


What is your favorite online way to pay and accept payments? Leave a comment below!


  1. mariegray75 on April 1, 2015 at 5:05 pm

    This is a hot topic! Always good to know what the alternatives are. Thanks for sharing!

    • Julie Lowe on April 2, 2015 at 10:06 pm

      You’re very welcome, Marie! Glad it helped.

  2. Joyce Pusta on April 2, 2015 at 2:58 am

    I have used Freshbooks and it’s awesome!!! Thanks for sharing this

    • Julie Lowe on April 2, 2015 at 10:17 pm

      You’re very welcome! I’m really enjoying Freshbooks too.

  3. Kimberly on April 2, 2015 at 7:40 pm

    Great post! I’d be curious as to your thoughts on Intuit Payment Network compares to the options you’ve mentioned.

    • Julie Lowe on April 2, 2015 at 10:23 pm

      Thanks, I’m glad it helped. I’m afraid I don’t really know much about Intuit. I know it integrates perfectly with Quickbooks, if you’re a user, but whether or not the fees makes sense for you may depend on how many and how big your average transactions are.

  4. Rivera on April 10, 2015 at 2:17 pm

    Thank for this overview of alternatives.
    I am using Paysera for accepting my payments. What I liked was their flexibility – they have various solutions for different products. Also mobile payments are available. It would probably be the best for European merchants, as account accepting credit card options can be opened for EU based businesses.

    • Julie Lowe on April 10, 2015 at 6:01 pm

      Thanks so much for adding to the options, Rivera! I have heard that payment processing can be different for other countries, so it’s great to have more options for those outside of the U.S. reading!

  5. Shawn Davis on June 17, 2015 at 9:09 pm

    I like because it’s integrated into my charting system ( and let’s me take counseling payments without leaving the system. It’s been very easy to work with without the expense of a merchant account that almost bankrupt me.

    • Julie Lowe on June 18, 2015 at 2:37 pm

      Awesome! I’ve heard great things about Stripe. Thanks for stopping by the blog!

  6. Felicity O'Donohue on November 8, 2015 at 8:50 am

    Great article Julie.

    I have just started using eWay an online payment system and love it. It does one off payments as well as recurring. Even after just one month of using it, I’m in love!!!

    • Julie Lowe on November 10, 2015 at 1:58 am

      Thanks for the recommendation, I’d not heard of them before!

  7. Tammy Batley on December 31, 2015 at 5:44 am

    I use Braintree. Owned by PayPal but can accept all major credit cards and integrate with PayPal if desired. I’ve also added Amazon Payments as an option on my website. People LOVE using Amazon Payments. They can log into their Amazon account from my website and choose a payment method and shipping address they have set-up in their Amazon account.

    • Julie Lowe on January 5, 2016 at 12:15 am

      Those sound great Tammy, thanks for letting us know about those options!

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