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Top 12+ PayPal Alternatives for Online Payments in 2023



Let us discuss the various PayPal Alternatives for online payments for Bloggers. I have listed a few services like Wise, Payoneer, Payeer and Stripe with benefits to help you find the best.

PayPal is so far the known payment gateway for cross-border exchanges and online transactions. However, PayPal is not alone, and we will look after a few PayPal alternatives to manage your online transactions.

Are you a Blogger, a Freelancer or doing Online Business this year?

Then getting payments on time will be a difficult process for you, and it will be possible to forget the payments.

PayPal has many disadvantages – higher transaction fees and not protecting the sellers. Even sometimes, they freeze our merchant accounts without any warnings.

Therefore, people are forced to search for other alternative services than PayPal.

In this article, I have listed a few PayPal alternatives that will help you decide on the right one for your digital business.

Best PayPal Alternatives for Online Payments

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What is a Payment Gateway?

A payment gateway serves as an electronic alternative to traditional paper methods like cheques and money orders.

A payment gateway is a service that allows merchants to accept customer payments through credit cards, debit cards, or other payment instruments.

Choosing the most suitable payment gateway will make your online transactions easy and make you receive the payments on time.

What is PayPal and How does it Work?

PayPal is an online payment platform. It is a website and mobile application that enables online payments between parties. It is a highly secure platform with end-to-end encryption.

PayPal works by linking to a user’s bank account or credit card, making transactions easy and quick.

Users can even park their money to store funds and let you make payments to other PayPal users. You transfer money to other PayPal accounts, bank accounts and debit cards.

It also allows one to receive payment from other PayPal accounts.

PayPal for Online Business

PayPal is an ideal payment solution for online businesses. It facilitates the users to accept payments on websites, apps or through any online medium.

You can also purchase goods and services online. Additionally, people can integrate online stores with PayPal accounts, allowing them to accept payments from buyers.

Will PayPal’s payment gateway help bloggers?

Of course,


PayPal will be a helpful resource for bloggers since it allows them to receive payments from readers, advertisers, and other sources of income.

It allows them to pay for web hosting, domain name registration, and other services.

PayPal Tools

PayPal provides access to various tools and services to withdraw money without any difficulty.

It provides fraud prevention and buyer protection and helps bloggers track their payments and invoices.

Why do We Need Payment Gateways?

The payment gateway receives the payment information from the user, verifies the data, and then sends it to a payment processor or bank for authorization.

The payment gateway offers real-time processing, which means the customer’s payment is immediately processed, and the funds are transferred.

All the payment information is encrypted and securely stored. Payment gateways are essential for any business that wants to accept online payments integrated into e-commerce platforms.

By using a payment gateway, a business can expand its reach to new customers and helps increase sales. It provides features like billing, and customer data storage.

Best PayPal Alternatives in 2023

In this article, we will look at the best PayPal alternatives suitable for bloggers. PayPal acts as a monopoly in the payment gateway industry.

It has a few drawbacks like no seller protection and taking more than 5 days to withdraw funds.

In India, the PayPal fee is higher, and it is nearly 4% of your Invoice value. To avoid these problems, bloggers have no option but to find an alternative.

1. Payoneer (Best PayPal Alternative for Bloggers)

Payoneer is a payment gateway platform which allows the receiving and sending of payments without requiring a bank account. You can send, receive, and spend money online.

It is used by bloggers, freelancers and online business users to receive payments from global clients.

Payoneer offers prepaid debit cards, international bank transfers, and online payment solutions.

It offers currency exchange services to users to convert their funds into other country currencies.


  • Payoneer has multiple layers of protection to keep the data safe.
  • It is easy to send bulk payments to many recipients at a time.
  • Users can enjoy a variety of payment options (credit cards, prepaid cards, debit cards, and bank transfers).
  • Payoneer gives a prepaid Mastercard to its users.


  • It is available only in certain countries, so users may not be able to use it if they don’t live in those countries.
  • Payoneer’s customer service is often slow and costly for businesses that make frequent payments.
  • It doesn’t support recurring payments.

2. 2Checkout (Great PayPal Alternative for Software Vendors)

2Checkout was founded in 2000 by a group of entrepreneurs and engineers who had a vision of providing an easier way to accept payments online.

Initially, it was called Avangate and focused on providing secure payment processing solutions for software vendors.

Over time, 2Checkout expanded its product offering to include digital goods, physical products, and services.

Today, 2Checkout is an online payment processing service that allows you to accept payments from anyone.

With 2Checkout, businesses can accept payments from major credit cards and PayPal.

It has access to advanced fraud protection and offers a variety of integrations (like e-commerce platforms).

2Checkout provides detailed analytics and reporting, allowing businesses to track their performances.


It allows users to purchase from anywhere around the globe.

The service enables a set-up of automated recurring billing for subscription-based services.

It supports multiple languages such as English, Spanish, French, German, Portuguese, etc.


2Checkout customers’ service and technical support can be lacking.

The merchant interface is out of date and not user-friendly.

It is a rigid platform that doesn’t allow much customization or flexibility.

It will be a problem if you are looking for a more unique checkout solution.

surveys pay online

3. Authorize.Net (For E-Commerce Platforms)

Authorize Net PayPal Alternative Payment Processer

Authorize.Net is another PayPal alternative used for processing payments for online businesses.
It allows users to accept credit card and electronic cheque payments.

This platform has several features like recurring billing, virtual terminals, and payment profiles.

Their advanced fraud detection tools have an address verification service (AVS), and card code verification (CVV) ensures safer transactions.

Once the transaction is approved, Authorize.Net sends payment confirmation to the user.

You can integrate with different e-commerce solutions and use APIs for custom integration.


  • The service can handle any size of business, from small start-ups to large enterprises.
  • Users can access detailed reporting and analytics, giving users insight into their transactions.
  • It can be easily integrated with other payment processors and services, making it a versatile payment solution.
  • The service supports different payment options, including credit cards, bank transfers, and more.


  • It charges a monthly fee, as well as transaction fees, that can be costly for small businesses.
  • The dashboard is not user-friendly and time-consuming.
  • Limited support can be frustrating for users (who have questions or need help with their accounts).

4. Stripe (Secured Online Payment Platform)

Stripe is an online payment platform that allows you to securely accept payment from anyone.

It provides various tools for online payments and manages our accounts with view real-time analytics.

The platform supports different country currencies and payment methods (including credit cards, Apple Pay, Google Pay, etc.).

It offers a suite of products and services aimed at helping businesses grow, such as Stripe Atlas. This tool helps businesses to easily incorporate and manage their finances.


  • It is reliable and secure. You can trust it to process payments quickly and efficiently.
  • The service offers resources and tutorials to help users get started.
  • Stripe makes it easy to automate payments and other tasks, which saves you time and effort.
  • The lowest transaction fees make it a great option for small start-ups.


  • Cancelling a stripe account can be difficult, as the company does not have a simple cancellation process.
  • It does not provide clear information about its terms and fees (it is hard to know how much money they charge).
  • Stripe’s customer support is very slow and unhelpful.

5. Venmo (No Fee for Most Transactions)

Venmo is a mobile payment service that allows users to send and receive money from other users.

It is available as a web-based platform and mobile app. PayPal owns Venmo aimed at helping friends to pay bills and payments.

Venmo allows users to split payments between different people, as well as, view the transaction history. The service provides a social platform where users can interact and share the payment with friends.

This feature allows people to comment on payments, like and share them, and even send emojis to their friends.

The application is free to download and use, and there is a 3% fee for credit card transactions. It allows users to shop online and pay for goods and services with a Venmo account.

Venmo provides a Master debit card to use at POS stores and online.


  • Venom offers a simple and intuitive user interface.
  • A secure platform that uses bank-level encryption and provides fraud protection.
  • The service does not charge any fees for most of the transactions.
  • You can easily cash out the money to other payment options, such as PayPal or bank accounts.


  • The platform is not suitable for business payments, as it does not have the necessary features and restrictions for business use.
  • It can be unreliable for large payments. as there is a maximum limit of $2,999.99 per transaction.
  • Poor customer service and slow response times are major drawbacks.

6. Google Pay (Best Mobile Payment Solution)

Google Pay is a digital wallet developed by Google to facilitate user payments without involving banks. It offers rewards, discounts and other special offers for users.

It combines the features of Android Pay and Google Wallet. Google Pay is used at millions of stores around the world, including the US, UK, Australia, Singapore, Canada, India, France, and Germany.

You can make online purchases, pay for services, and send money to anyone around the globe.


  • It uses the latest security features to keep your money and personal information safer.
  • The service also encrypts credit and debit card information to help protect it.
  • This payment gateway supports different payment methods.
  • It offers rewards and discounts for your purchases, which helps you to save money.


  • The service does not accept credit cards as a payment method.
  • Other than that, there are no disadvantages.

7. Google Wallet (Integrated with Google Account)

Google, develops Google Wallet, which is a mobile payment system. Users can send money to others using an email address or phone number.

It allows users to make payments in stores using near-field communication (NFC) technology.

It is easy to link bank accounts and debit cards and transfer money in just a few steps.

In 2015, Google added gift cards, loyalty cards, and the ability to send and receive money to and from other users.

Users can manage payment information such as checking their balance and viewing recent transactions.

It has become increasingly popular as it makes it easy for users to store and use their payment information without having to carry around a wallet full of cards.


  • The payment gateway integrated with the Google account makes it easy with the existing Google account information.
  • It works across multiple devices and helps you to make contactless payments.
  • It is free to use and does not require additional fees for most transactions.


  • Google wallet doesn’t provide detailed transaction history.
  • It is only compatible with android phones, and it is not compatible with Apple products.
    The service is susceptible to phishing attacks.
  • Users are not allowed to customize the payments, which can add up if you use the service often.

8. Skrill (For Online Money Transfers)

Skrill Money Transfer

Skrill is an e-commerce business that allows payments and money transfers to be made through the internet.

The Paysafe Group owns Skrill, and they also own the popular payment gateway platform NETELLER and Paysafecard.

Users can send and receive money from anyone around the world with an email address, mobile number or skrill account.

It allows users to send payments to businesses, send funds to bank accounts, pay for online purchases and more.

Skrill is available in over 200 countries and is used to fund online deposits and withdrawals, pay utility bills, and purchase goods and services online.

A wide range of services accepts Skrill including eBay, Amazon, Skype, and Spotify.


  • Instant payments and money transfers make it the perfect tool for people who need to make payments quickly.
  • Skrill supports more than 40 different currencies.
  • Lowest fees for transferring money.
  • It provides 24/7 customer support, so you can always get help whenever you need it.


  • It charges fees for each transaction including deposits, withdrawals, and currency conversions.
  • The platform charges higher exchange rates than other payment gateways and currency exchanges.
  • Customer service is currently slow and unhelpful and has complained about long wait times and unhelpful responses.
  • It does not offer many customization options for users. For example, there is no way to customize the appearance of your account or add additional features.

9. Paymate (Help Businesses of All Sizes)

Paymate is another best PayPal alternatives for businesses of all sizes. Users can accept payments from anyone in a secure, reliable, and efficient manner.

It provides several services, including one-time payments, recurring payments, payment plans, and e-commerce solutions.

Additionally, it provides businesses with detailed analytics and reporting, fraud prevention tools, and other features that help them better manage their payments.

Businesses can accept payments from credit cards, bank accounts, and digital wallets like Apple Pay and Google Pay.

Paymate is designed to help businesses of all sizes accept payments securely and efficiently.


  • It can easily integrate with other systems, such as accounting software, allowing businesses to streamline their payment processes.
  • Excellent customer support with fast response times to help users solve any problems they may have.
  • The user interface provides detailed and accurate tracking of payments, making it easy to manage and reconcile payments.
  • It provides flexible options for businesses, allowing them to customize their payment processes to their specific needs.


  • It accepts only bank transfers, credit cards and direct debits as payment methods, which can be limiting for some users.
  • It is a relatively new service and does not offer the same level of security as more established payment methods.
  • This payment gateway is currently only available in US and Australia, meaning that users in other countries are not able to use the service.
  • It is an unregulated payment method (users could face a high risk of a chargeback when using this service).

10. Square (PayPal Alternative for Small and Medium Businesses)

Square is a popular choice among small and medium-sized businesses. It is easy to set up, and it offers competitive pricing.

The company developed an easy-to-use, mobile-based payment processing solution that allows small businesses to accept credit card payments.

It was publicly traded on the New York Stock Exchange and services over three million businesses across the world.

It integrates with popular online store platforms, such as Shopify, WooCommerce, and Magento.

This payment gateway is secure and PCI-compliant, and it supports multiple currencies. It supports fraud protection, customer support, analytics, and more.


  • It uses the latest security protocols to ensure the safety and privacy of users’ payment information.
  • Payments made with Square are deposited quickly, usually the next business day.
  • Square allows businesses to create and manage loyalty programs for users.
  • It provides comprehensive reporting and analytics, allowing users to track payments and monitor financial performance.


  • It charges a transaction fee of 2.6%+10 cents per transaction, which is higher than some other payment processors.
  • It does not support international payments, which may be a major limitation for some users.
  • The service offers limited integrations with other business systems.
  • It does not offer any fraud protection services.

11. Amazon Payments (Recognizable Brand in the World)

Amazon Payments is a payment processing service that allows users to use Amazon accounts to pay for online purchases on third-party websites.

It supports various payment gateways, such as PayPal, Apple Pay, and Amazon Cash.

You can pay for items with a credit card, debit card, or directly from an Amazon account balance. It also provides users with tools to manage payments and fraud protection.

The payment gateway offers a variety of features to make the payment process easier and more secure.

You can view the purchase history, store payment information, and set up payment reminders. Additionally, it allows users to save shipping addresses and payment methods.


  • It is one of the most recognizable brands in the world. By using Amazon Payments, businesses can have access to its brand recognition and trust.
  • This payment gateway platform has an excellent track record for reliability (one of the most trusted payment gateways in the world).
  • It uses advanced encryption technology to protect users’ sensitive data.
  • Users can easily set up an account and make payments in a few clicks.


  • People with Amazon accounts only can use this service.
  • It does not integrate with many shopping carts and payment gateways, so you have to set up a separate system of payments.
  • It is limited in how it can be customized and integrated with other systems.

12. WePay (PayPal Alternative for SaaS and Crowdfunding Business)

WePay is an online payment processor that allows businesses and individuals to collect online payments securely.

It provides a secure, PCI-compliant environment for collecting payments and is integrated with many popular eCommerce and accounting platforms.

WePay offers an API for developers to create custom payment solutions for users. It also supports both one-time and recurring payments.

WePay’s mission is to make it easy for people to send and receive money securely, quickly, and with minimal fees.

It is a registered payment institution in the UK, France, and Europe, regulated by the Financial Conduct Authority (FCA).

Also, a member of the Electronic Funds Transfer Association (EFTA) and is a principal member of Visa and MasterCard.


  • It is easy to set up with a simple onboarding process.
  • Easy to process refunds and cancel payments.
  • WePay offers a mobile application that allows users to manage payments and track transactions on the go.
  • It is a scalable platform that can grow with a business, so users can increase their payment processing capabilities as the business grows.


  • It does not support international payments. Therefore it can be a major limitation for businesses with International connections (outside the US).
  • It is a new company that does not fit everyone and supports only a small number of transactions.
    WePay does not offer refunds.

13. Payeer (Supports a Wide Range of Currencies)

Payeer is a digital wallet service founded in 2012 in Tallinn. The company is owned and operated by Paycorp OU, headquartered in Tallinn.

It is available in over 200 countries and supports over 150 payment methods, including cryptocurrencies, bank transfers, debit and credit cards, and more.

Payeer is a popular payment system in countries like Russia, Ukraine, and Belarus.

It offers several features such as money transfer, currency exchange, and payment acceptance, and is a secure and reliable system.


  • It supports several currencies, including USD, EUR, GBP, RUB, and more.
  • The platform is available in most countries worldwide, making it an accessible option for users who live in different parts of the world.
  • It has a loyalty program that rewards users with discounts and cashback when they use this payment gateway.
  • Payeer is simple for new users to create an account.


  • Payeer will not offer refunds, so be very careful when sending payments.
  • Government or financial institutions has not regulated Payeer (which makes it difficult to resolve disputes).
  • Payeer does not offer credit cards.

14. Wise (Formerly – Transfer Wise)

TransferWise is an online money transfer platform that helps users transfer money quickly, securely and at the lowest cost.

It is a peer-to-peer system that allows users to transfer money in over 750 currency routes around the world with low fees and competitive exchange rates.

The company is funded by some of the world’s largest investors and serves over 70 countries.

TransferWise has a value of $3.5 billion, making it one of the most valuable fintech companies in the world.

In 2019, it continues to innovate and expand its services with new products such as borderless accounts and debit cards.

TransferWise is on a mission to make sending money abroad easier, faster and cheaper for everyone.


  • The service charges a fraction of the fees charged by traditional banks for international money transfers.
  • It uses bank-level encryption and secure servers to keep the information safe and secure.
  • Wise does not charge any hidden fees for transfers, so you will know exactly how much you will be paying before you hit “send”.
  • TransferWise allows you to set up automated transfers for regular transactions.


  • It can take a few days for the money to arrive in the recipient’s account, which is slower than other payment gateways.
  • TransferWise will not work in some countries, including North Korea, Iran, Sudan, and Syria.
  • The exchange rate is not always the best, and sometimes, you may end up paying more than you need to.


Each of the PayPal alternatives has its benefits and drawbacks. It is important to consider the features and fees before making the decision.

In terms of overall payment processing, Stipe and Square are the most popular PayPal alternatives due to their low fees and advanced features.

2Checkout is another top choice, especially for selling digital products, while Amazon Payments is ideal for those who want to accept payments from others with an Amazon account.

WePay is great for crowdfunding and is a great option for low-value transactions. Skrill, Authorize.Net, and Google Wallet are popular payment gateways.

In conclusion, many PayPal alternatives offer similar services and features. The goal is to find the right platform with lower fees, robust security and instant transfer.

Choose the reliable solution from the above list. However, the choice depends on your specific needs and preferences.


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