Online Payment Alternatives to PayPal


PayPal reigns supreme in online payments. Most people will have used it at some time or other throughout their online purchases on websites such as eBay and smaller retailers. Both private persons and professionals benefit from the features and accessibility of PayPal, and it is the most popular service for both user groups by far. But with the increasing market for mobile payments over the last few years, expected to reach over $235 billion within the next year, competition has been springing up, and some alternatives have features that far outdo PayPal’s (


This service combines a merchant account with a payment gateway in an attempt to streamline a business’ method for receiving money. When using 2CheckOut, the business is able to receive payment via credit cards, debit cards, and PayPal. Aside from this, 2CheckOut enables its users to do international payments, set up recurring billing, and install a shopping cart. By allowing PayPal payments, the system does not restrict business owners who choose to switch, but rather provide them with more flexibility.

Google Wallet

Safe, simple, and featuring rapid transfers both to and from your bank account, this service, previously named Google Checkout, is a strong contender in the online payment market. It hosts similar features to PayPal, but presents them differently. Credit card processing and sending out invoices are features of both PayPal and Google Wallet, but the Google solution will likely appeal more to customers who already use Google products in an integrated fashion.


An all-round solution for both businesses and private individuals—that’s what Dwolla aims to be. It will seem very familiar to users of PayPal, with the major difference that Dwolla specialises in bank transfers, also referred to as Automated Clearing House (ACH) payments, and has done so for the past five years. Aside from their flexible API which allows them to complete ACH payments quickly, Dwolla also lets you do everything from pay your friends to receive money in the name of your business. You can perform branded tasks such as sending, receiving, and requesting money for free, but will have to pay a fixed monthly fee for premium features such as white-label, next day transfers, and higher limits.


Small business owners should consider using Intuit to help them manage their finances. Aside from accepting payments, this service can also help you pay your employees, calculate certain taxes, and file payroll tax forms. It is a useful tool for business owners who are just starting out and would like a reliable solution.

While PayPal undoubtedly sits on the majority of the online transactions at the moment, strong competitors are gaining traction around the web. Small start-ups, established tools, and new ideas are coming to light, and may reform the way online payments are viewed. Whether you use online payments as an individual or run a business, having the right tool is essential. Nowadays, many businesses have moved online, and consumers are taking well to it. Ordering your favourite shoes from the comfort of your couch or setting up an online business is easier than ever before, and with these alternatives to PayPal at hand, the way you pay or receive money can be tailored to your needs.