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, setup, integration or closure fees.
- Payments accepted across online, in-store and app payment channels.
- Global payment options available.
- 24/7 customer support.
Cons
- Complex pricing model.
- Monthly minimums might exclude some small businesses. Minimums vary and require contacting Adyen to learn more.
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.