5 PayPal Alternatives That You Need to Know About

Aren’t we all looking for smarter, cheaper and more flexible ways to get paid online? This is especially important if you are buying or have just bought an ecommerce website on Flippa.

And no, we’re not just talking about PayPal.

There are other payment processors out there, and you’ll want to keep an eye on them because they might offer more flexibility for you and your customers.

After all, it’s important to take stock of all the different ways a customer might want to pay you. Who knows, there might be another option that might give you a new insight on how to interact with your customers.

Let’s take a look at some of the widely used PayPal alternatives.

Amazon Payments

Amazon Payments, also called Amazon WebPay, is a common alternative to PayPal. Developed by e-commerce giant Amazon, the service enables its users to send and receive money without any set-up or monthly fees. Their  standard transactional rate is 2.9% + $0.30 per transaction.

Funding your account is simple and can be linked to your credit card or bank account. In having a system that exists free of charge, Amazon is hoping that you spend your money on other services they offer.

One of the downsides with Amazon Payments is that you can’t withdraw an amount smaller than $10. This probably won’t be a huge problem, but it’s something to be aware of.


Dwolla works across many business environments, ranging from online transactions to brick and mortar storefronts. The flexibility of payment options benefits users who need to accept credit cards and take payments across multiple environments.

Unfortunately, it does cost $0.25 to receive money. Although the fee is small and can benefit you if you usually process larger sums, it may be a turn-off for some users.

Google Wallet

Google Wallet is a versatile option offered through your Google Account. Think of it as a virtual wallet that allows you to spend money both online and even in some stores. Google has a wide array of great services and this one is no different.

This service has become fairly popular, because it’s fully supported by Google and is even integrated into Gmail. Most people also love the ability to store their money in one place and have the ability to spend it across multiple platforms, online and in person.

There are two downsides to this service. First, a small percentage fee is charged on each credit and debit card transaction. Second, there is also a few limitations on the places where Google Wallet is actually accepted. So far, it’s only available in the US. If Google continues to pour more energy into the resources, you can bet it will expand.


Stripe is another popular PayPal alternative. It’s a useful service because it doesn’t require you to have a gateway or a merchant account. Indeed, they handle everything from storing cards and subscriptions to paying straight to your bank account.

There are no setup or monthly fees, and they only charge you when you earn money. Currently, that would be 2.9% + 30 cents per successful charge, but make sure to check the website for their latest fees.


Braintree is a payment platform that makes it easy to accept payments in your mobile app or on your website.

The standard price is  2.4% and $.30 per transaction, but that includes unlimited access to their support. What’s good about Braintree is that there is no minimum transaction fee and just like Stripe, there is no monthly fee, either. You could also use it for recurring billing, which is useful if you’re running a membership site.

Unfortunately, it’s only available in the United States, Europe, Canada, and Australia, but they have plans on expanding to other countries soon.

The following services focus primarily on businesses with a storefront. They use mobile technologies to help businesses process payments.


Square is one of the first companies to focus solely on mobile technology for payment processing.

Square gives you a free card-reader that plugs into your smartphone and allows you to accept payments. The setup is easy: you link your Square account to your bank account, and accept payments through the card reader. Receipts are generally emailed, thus saving you paper.

The only drawback to this service is the 2.75% fee charged per swipe.


Moblized maintains a structure very similar to Square above, except they offer a different payment plan to their users. Basically, the company sends you a free card reader, and then you can begin to accept payments. There’s also no contracts involved, which can be extremely attractive to some users.

Their payment plans involve a 2.69% fee, plus $0.19 per swipe. Depending on the amount of transactions you’re processing this can be slightly higher than other services.

Over to You

You’ve now been introduced to a few PayPal alternatives. The market will continue to grow and new alternatives will appear. By staying up to date, you’ll be able to make sure you’re getting the best deal when processing payments, whether in person, or on the web.

For security reasons, Flippa only uses Escrow via Escrow.com and Paypal. We’ve worked hard to balance the needs of a global user base and tip top security.

Have you used any of the above services? Or do you know of any other useful PayPal alternatives? Please add your suggestions in the comments!

Photo courtesy of David Muir

  • John Gibb

    hi Kevin

    Yes, I’ve used Stripe, when they were called MoneyBookers as far as I recall; it was as comfortable as Paypal, however most people already know and trust Paypal, so I will keep using them.

    It’s OK to have a back-up if something bad happens. Usually, I run with multiple Paypal accounts (it’s allowed) for my businesses.

    John Gibb

    • Olle Lindholm

      Hey John,

      A back-up is always good to have. But it’s important to be aware of the alternatives. That way, you can choose the best payment processor for your business and your customers (as your business evolves, you should at least evaluate your choice of payment processor and change as necessary).

    • Michiel

      No, Moneybookers became Skrill, not Stripe.

  • gbooth

    I hope Flippa decides to implement some of these other payment options.

    • Olle Lindholm

      Hi Gbooth,

      Which particular payment options did you have in mind?

      • gbooth

        Thanks for the question. I would prefer either Payza, Stripe or Google Wallet.

  • Shahzad Bashir

    Great information ! I like to request flippa to add ” Payoneer ” along with the others because Payoneer is very flexible and providing with the payment services to the countries where PayPal is unavailable like Pakistan, Bangladesh etc. So, Payoneer should be a PayPal alternative.

    • Olle Lindholm

      Thanks Shahzad for adding “Payoneer” into the mix of PayPal alternatives.

  • Stoked

    Strange how Flippa decides to blog about PayPal alternatives, when we have been in touch via email requesting PayPal alternatives and Flippa said there are no plans to offer such…

    Would be a great thing to see some more choices though! PayPal is one of the worst.
    – Dwolla is great, Payza is good, Skrill is decent.

  • Michiel

    You say Amazon is free, but on their website:

    Our standard transactional rate is 2.9% + $0.30 per-transaction for transactions of $10 or more.

    Doesn’t look free to me?

    • Olle Lindholm

      Hi Michiel,

      Thanks for pointing it out. I’ve updated the info.


  • Michiel

    Dwolla is also only available for U.S. residents…

  • Ed

    Bitcoin is also a good way.

    • Olle Lindholm

      Cool. Thanks for sharing, Ed.

  • Shadab Durrani

    Braintree has been acquired by Paypal.

  • payza is good for all Asian and some countries which are not supported by paypal to withdraw the money. payza offering free debit card so that we can get money from any ATM Machine.

  • Hamza

    Most of these alternatives are far from ‘global’, and as such, hardly close to being a Paypal alternative.

    Stripe, for example, only accepts merchants from US/Canada, UK, and Ireland. Sure it accepts credit cards, but it’s not a Paypal alternative by far. And it probably won’t be for a very long time.

    Amazon Payments, here’s what I see as requirements when attempting to sign up as a merchant:
    Please have the following ready before you begin:
    Your business name, address, and contact information
    A U.S.-based credit card and billing address
    A U.S.-based phone number where you can be reached during this registration process

    Essentially, again, restricted to people in the US. Not a Paypal alternative by far.

    Dwolla is also limited to the US. Check this:

    And you’ve already mentioned that Google Wallet is restricted to US (and possibly UK).

    That leaves out just the last 2 alternatives that are solely hardware based and (apparently also) not internationally available. Assuming they were, they’re still not a real Paypal alternative because neither of them has E-Commerce processing.

    So yes, the alternatives you’ve listed on this post are great if the merchants are from US/Canada/UK, etc. But beyond that, they’re practically useless. Paypal doesn’t really have a real alternative that’s global enough.

  • Dennis

    Does anyone have experience with WePay?

  • paxum is great, I’ve been using them for couple of months now, transactions are smooth, fees are ok, you should try it out 🙂

  • all good systems, but poorly used by sites

  • VAL

    You overlooked GumRoad. Although the processing fees are expensive (5% + .30 per transaction) it’s much easier than Paypal (It’s a simple popup, users never leave your site & money goes straight to your bank account).

    Google Wallet performs exactly like Paypal as it prompts users to sign in to an account which turns most off. In addition, just as Paypal, Google Wallet takes up to 3-4 days to transfer funds to your bank account – somewhat inconvenient.

    Last checked, Stripe holds your money for up to 7 days – MAJOR downside of that service.

    • Kenric L. Ashe

      Signing into an account instead of entering your credit card # every time is actually a feature desired by many customers. As for the merchant’s perspective, 3% is already too much, so 5% is a huge factor against Gumroad for me.

      • Val

        I agree, 5% can definitely be a huge deterrent.

        Quick follow-up: After using Gumroad for several months for various freelance projects, enthusiasm has definitely waned. Gumroad may not be a good choice for freelancers with service businesses (Against their TOS – although the wording is extremely vague and nondescript). Gumroad does not have good Customer Support in place (Not helpful and practically non-existent).

        Also, the funds are indeed dispersed to your bank account, however, it is 14 days after the sale (Longer than Paypal, Stripe, Google Wallet, et al).

        If you choose to use Gumroad, proceed with caution as they are still trying to figure out their operations.

  • vijay kumar

    Buy wallets online

    Get the best exclusive
    leather wallets from Linoperros; we deal with all kind of wallets and one of
    the best stores for Men’s accessories

  • vijay kumar

    leather wallets online
    Get the best exclusive leather wallets from Linoperros; we deal with all kind of wallets and one of the best stores for Men’s accessories

  • Kenric L. Ashe

    Dwolla does not process credit cards. However, transactions under $10 dollars now have no transaction fee, not that 25 cents was that much to begin with!

    • Kenric L. Ashe

      Oh and ProPay is now an eBay partner.

  • Sam

    I have a US bank account but I am not a US resident, I have no SSN. What are good ways for me to accept credit cards on my personal account as a sole proprietor?

  • ds

    Is it possible to receive funds from the sell on flippa directly to your bank account? I no longer have a PayPal account

  • Ivan Jovanovic

    I do not see any reason that for alternative to PayPal not Skrill ? Simply, Skril is available in more countries than PayPal and sufficiently reliable. For example, with PayPal account, registered from Serbia, not possible receive money on PayPal account opened in Serbia . It is possible to just sending money from Serbia anywhere where is PayPal available. Not and in the opposite direction ! Stupid , but there it is . With Skrill account, opened from Serbia , possible both direction : sending and receiving money . There are promises that the problem will soon be solved, but there is a very long time ?! When all this is added to the fact that PayPal not available in many countries it is more than enough reason to promote one good and reliable alternative. In addition to this alternative surely could be and the Payoneer, why not ? Very fast and a reliable service available in over 200 countries worldwide .

    What do you think?

  • ErvinKosch

    Amazon Payments will be stopping all transactions in October 2014.

  • Camomile

    I would like to say a word to support Skrill payments. I think for a business located in Europe, the best Paypal alternative is Skrill. Costs vary depending on the region and are quite friendly to those who work from Europe and UK. But anyway, the services they provide can be used globally.
    Another option for Europe-located business could be Paysera payments, which is not mentioned here – growing company, however, so far offering CC services only to merchants registered in EU.

  • I wanted to switch to Stripe but heard a lot of complaints about it. Then I found Cardinity payment service provider, and the first thing that I really enjoyed was the quick application approval. It took them only two days to review my application, my business and e-shop, assess it and respond. Another thing which appeals to me is their responsive customer support. I receive answers and help almost immediately. I will not mention any other features, as they are described on Cardinity’s website, but they are certainly not inferior to those of Stripe or Braintree. The only drawback is that they accept businesses only from the EU. Hope this will help anyone make a decision.

  • Alaeddine GD

    Please add Payoneer too