Best PayPal Alternatives
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Input your business’s monthly transaction details and we’ll help you sort from the best valueProduct | Cost Estimate | Payment processing fees | Cost Estimate | Learn more | ||
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Shopify Payments Learn more on Shopify Payments' secure website | Get an estimated monthly cost for your business. | 4.5/5 Best for E-commerce platform integration | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $39.00 Basic plan; $105 Shopify plan; $399 Advanced plan. | Get an estimated monthly cost for your business. | Learn more on Shopify Payments' secure website |
Helcim Learn more on Helcim's secure website | 5.0/5 Best for Interchange-plus payment processing | In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0.00 | Learn more on Helcim's secure website | ||
Square Learn more on Square's secure website | 5.0/5 Best for POS system with built-in payment processing | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $0.00 Starts at $0/month for unlimited devices and locations. | Learn more on Square's secure website | ||
Stripe Learn more on Stripe Payments' secure website | 5.0/5 Best for Payment customization options | In-person: 2.7% + $0.05 Online: 2.9% + $0.30 | $0.00 | Learn more on Stripe Payments' secure website | ||
Amazon Pay | 4.5/5 Best for Amazon sellers | 2.9% + $0.30 For online and mobile. | $0.00 | |||
Payline | 4.5/5 Best for High-risk merchants | In-person: 0.4% + $0.10 Online: 0.75% + $0.20 Plus interchange | $10.00 in person; $20 online. | |||
Adyen | 4.0/5 Best for Accepting orders through multiple channels | 0.6% + $0.13 Plus interchange for Visa and Mastercard; 3.3% + $0.23 for AmEx. | $0.00 | |||
Venmo Business Account | 4.0/5 Best for Receiving payment via QR code | 1.9% + $0.10 Between Venmo accounts. | $0.00 | |||
PayPal Braintree | 4.0/5 Best for Dedicated merchant account | 2.59% + $0.49 credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only). | $0.00 | |||
Payoneer | 4.0/5 Best for International money transfer app | 3.99% + $0.00 Maximum per credit card transaction; 0% between Payoneer accounts. | $0.00 |
Our pick for
E-commerce platform integration
Shopify Payments
on Shopify Payments' secure website
Basic plan; $105 Shopify plan; $399 Advanced plan.
Pros
- Accepts a variety of payment methods.
- Can customize checkout page.
- Easy to set up and use.
- Transparent, flat-rate fees.
Cons
- E-commerce plan with monthly fee is required to use Shopify Payments.
- Charges fee for use of third-party payment gateway.
Our pick for
Interchange-plus payment processing
Helcim
on Helcim's secure website
Pros
- Interchange-plus pricing structure can help businesses save money.
- Quick setup; approvals usually take a day.
- Offers volume-based discounts automatically.
- Syncs directly with QuickBooks Online and Xero.
- No termination fees or long-term contracts.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Doesn’t offer services to businesses in certain high-risk industries.
Our pick for
POS system with built-in payment processing
Square
on Square's secure website
Starts at $0/month for unlimited devices and locations.
Pros
- Offers a free mobile card reader and free POS software plan.
- Can subscribe to related services, such as payroll, that integrate with its POS system.
- No termination fees or long-term contracts.
- No chargeback or PCI compliance fees.
Cons
- Complex businesses might prefer a processor that integrates with more specialized POS systems.
Our pick for
Payment customization options
Stripe
on Stripe Payments' secure website
Pros
- Highly customizable online checkout options.
- No termination fees or long-term contracts.
- 24/7 phone and chat support.
- Can process transactions in more than 135 currencies.
Cons
- Doesn’t sell full countertop POS terminals.
- Deposits can take up to two business days.
Our pick for
Amazon sellers
Amazon Pay
For online and mobile.
Pros
- Easy checkout for customers with Amazon accounts.
- Supports global customers and currencies.
- No setup or monthly fees; pay only per transaction.
- Alexa voice integration to place and track orders.
Cons
- Reserve policy delays payouts, especially for newer accounts.
- No in-person payment support.
- No volume discounts or custom packages.
Our pick for
High-risk merchants
Payline
in person; $20 online.
Pros
- No long-term contracts or cancellation fees.
- First month or two (depending on the business) is free.
- Works with high-risk merchants.
- No PCI compliance fees.
- 24/7 support.
Cons
- Separate monthly fees for in-person and online processing.
- Must contact Payline for information on hardware costs.
Our pick for
Accepting orders through multiple channels
Adyen
Plus interchange for Visa and Mastercard; 3.3% + $0.23 for AmEx.
Pros
- No monthly subscription or termination fees.
- Consolidate data across multiple online and in-person sales channels.
- Global payment options available.
- 24/7 emergency phone and email support.
Cons
- Pricing models differ by card, which can be confusing.
- No accounting integrations.
- Must give at least two months’ notice before terminating contract.
- Must reach out for hardware costs.
Our pick for
Receiving payment via QR code
Venmo Business Account
Between Venmo accounts.
Pros
- Low per-transaction fees between Venmo accounts.
- No monthly costs or setup fees.
- Ability to accept payments via QR code.
- Venmo sends tax forms to your business if you meet certain income thresholds.
Cons
- Instant bank transfers cost extra.
- Not available outside of the U.S.
Our pick for
Dedicated merchant account
PayPal Braintree
credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only).
Pros
- Transparent, competitive pricing.
- No contracts or early termination fees.
- No monthly, PCI compliance or minimum transaction fees.
- Accepts PayPal and Venmo in addition to credit and debit cards.
- Simple checkout page that looks good on web and mobile.
Cons
- Requires web development.
- Not suited for brick and mortar stores.
Our pick for
International money transfer app
Payoneer
Maximum per credit card transaction; 0% between Payoneer accounts.
Pros
- No setup or monthly fees.
- Accepts international payments.
- No-fee transfers between Payoneer accounts.
Cons
- Limited functionality; can’t accept in-person payments.
- Customers report account freezes and terminations, resulting in the loss of funds.
- Must pay a withdrawal fee to move funds from your Payoneer account to your bank account.
Our picks for the best PayPal alternatives
Stripe: Best for payment customization options
- 2.7% plus 5 cents for in-person transactions.
- 2.9% plus 30 cents for online transactions.
- 3.4% plus 30 cents for manually keyed transactions.
- 4.4% plus 30 cents for international card transactions.
Helcim: Best interchange-plus payment processing
- Interchange plus 0.4% and 8 cents per in-person transaction (if $50,000 or less in monthly card transactions).
- Interchange plus 0.5% and 25 cents per online or manually keyed transaction (if $50,000 or less in monthly card transactions).
- 0.5% plus 25 cents for ACH payments.
Payline: Best for high-risk merchants
- Interchange plus 0.4% and 10 cents for in-person transactions.
- Interchange plus 0.75% and 20 cents for online transactions.
Amazon Pay: Best for Amazon sellers
- 2.9% plus 30 cents for web and mobile transactions.
- Extra 1% for cross-border transactions.
Venmo Business Account: Best for receiving payment via QR code
- 1.9% plus 10 cents per transaction between Venmo accounts.
- 2.29% plus 9 cents per contactless “Tap to Pay” payment.
- 1.75% fee for instant transfers.
Shopify Payments: Best e-commerce platform integration
- 2.5%, 2.7% or 2.9% plus 30 cents for online payments for Advanced, Shopify or Basic plan, respectively.
- 2.4%, 2.5% or 2.6% plus 10 cents for in-person payments for Advanced, Shopify or Basic plan, respectively.
PayPal Braintree: Best dedicated merchant account
- 2.59% plus 49 cents per transaction for credit cards, debit cards and digital wallets.
- 3.49% plus 49 cents for Venmo (U.S. only).
- 0.75% for ACH (maximum fee of $5). Discounts available for enterprise businesses.
Payoneer: Best international money transfer app
- Up to 3.99% for credit card transactions (all currencies), plus $0.49 in some countries.
- 1% for ACH bank debit transactions.
- 0% to receive payments from other Payoneer users.
- $1.50 to transfer funds from Payoneer to your bank account; up to 3% to transfer from a non-local currency.
Adyen: Best for accepting orders through multiple channels
- Interchange plus 0.60% and 13 cents per transaction for Visa and Mastercard.
- 3.3% plus 23 cents for American Express.
- 3%-12% plus 13 cents for other payment methods, depending on transaction type.
- 40 cents per transaction for ACH direct payment.
Square: Best POS system with built-in payment processing
- 2.6% plus 10 cents for in-person transactions.
- 2.9% plus 30 cents for online transactions.
- 3.5% plus 15 cents for manually keyed transactions.
- 3.3% plus 30 cents for invoices.