PayPal has been one of the most popular payment gateways across the globe. It was a revolution in payment technology, and at that time, there were no better or popular alternatives to PayPal. PayPal not only allows you to send and receive money from your kith and kin but ensure high-level security than the other options you could choose from.

Along with this, PayPal also has solid invoicing, ecommerce, payment processing, and reporting tools, which allow sellers to accept payments for their offerings without any problems. It is no doubt that PayPal has solid offerings, but PayPal is still so popular because people are used to it. In today’s time, competition is in every industry, and so does in the payment gateways. There are many alternatives of PayPal available that you can use for your ecommerce payment operations. These payment gateways have lower rates, better customer service, and also better UIs. In this article, we will go through these payment gateways.

Here’s The List:

  • Stripe
  • Braintree
  • Shopify Payments
  • Square
  • QuickBooks Payments
  • Klarna
  • TransferWise
  • Google Pay
  • Amazon Pay

We will discuss each of these in more detail.

1. Stripe

stripe company logo

PayPal alternative, Stripe is probably the most popular alternative payment gateway used by ecommerce merchants. E.g., Squarespace has been using Stripe as a payment gateway for a very long time. Stripe eliminates the requirement of a merchant account and gateway.

Stripe handles everything from collecting payments to sending money to the bank. It is a very streamlined payment gateway, and no wonder why so many ecommerce stores prefer this payment method. The transaction fees of Stripe are the alternative of PayPal


  • Automatically sends money in the bank account
  • Mobile payment availability
  • Presence in all 190+ countries
  • Real-time fee reporting
  • Transparent pricing with no hidden charges.
  • Supports Apple and Android Pay.


  • After the transaction, you may need to wait a few days to access the money.
  • Although it has a presence across the whole world, merchant accounts are only present in the US, UK, Canada, Australia, and other European nations.
  • To use Stripe, one should have technical or programming understanding.
  • 1% transaction fee is avail on international cards


AUTHORIZE.NET is another popular name after Stripe in the payment industry. It comes with reasonable rates, better customer service, and a user-friendly interface. Although it doesn’t allow you to receive payments from your friends and family, it is an excellent alternative to PayPal. The company has built an outstanding reputation of being user-friendly, cost-effective, and providing numerous ways for ecommerce merchants to accept payments.


  • Invoice the customers or clients by simple click-to-pay e-mails
  • Accept Level-2 to reduce the transaction fees further
  • Free customer support available 24 x 7
  • Highly reliable and secure
  • Support sync with QuickBooks
  • No setup fees for a payment gateway or merchant account


  • No availability of personal finance and sending tools that you get in PayPal
  • You have to pay a monthly fee of $25
  • For international transactions, there is a 1.5% assessment
  • Chargebacks are $25

3. Braintree

braintree company logo
Braintree is a payment gateway and recurring billing platform and provides a way for you to store your credit cards. Although Braintree has many other personal finance features, we like it best for merchants. It is owned by PayPal but runs as an independent company.


  • Simple and straightforward pricing
  • Collect recurring billing and store credit cards.
  • Accept all types of payments, including PayPal, cards, and Venmo.
  • More advanced features in comparison with PayPal
  • Solid customer support
  • Both online and mobile payments availability


  • You should have programming knowledge to implement the Braintree Payment gateway.
  • You need to create a separate merchant account,
  • Although the main fee is for transactions, there are many other fees that you have to think about.

4. Shopify Payments

Shopify Payments

If you have used Shopify before, then you must know about Shopify Payments. It is the default payment processing system of the Shopify platform. Thus, if you are using a Shopify ecommerce store, you don’t need to think about any 3rd payment gateway. You manage all your transactions from your Shopify Admin Dashboard. The result is a seamless cohesion between your online store and your payment system.

Also, Shopify payments are not limited to online amounts but also offer POS hardware for in-store prices. Apart from these exciting features, another benefit is the privileges charges. Using PayPal, on Shopify, you have to pay 0.5-2% transaction fees apart from the card processing charges, while Shopify payments charge you zero fees.

You just have to card processing fees, whose rates are based on the chosen Shopify plan. The highest charges are 2.9% plus $0.30 per transaction, while the lowest is 2.4% plus $0.30.


  • In-built in Shopify stores for a seamless payment management
  • Shopify Payments can be implemented in a vast range of platforms and solutions, including 3rd party processors.
  • Eliminates transaction fees of Shopify


  • Presence in only a few countries
  • Your account could be frozen and investigated without warning
  • Shopify payments deduct $15 for every single chargeback

5. Square

When you are looking for alternatives to PayPal, Square payment gateway will always come up into consideration. And there are many reasons for this.

Well, Square is not just a regular payment process but offers an online store along with a domain for free. You can combine that with the shopping cart integrations, along with invoicing card info storage vault, plus virtual terminal features. You will also get POS and mPOS integrations for card processing free of cost.

But we accept that Square is not as famous as PayPal, not even close, as only merchants based in the US, UK< Canada, Australia, and Japan can accept credit card payments. But even in these countries, Square has gained tremendous popularity thanks to its features set. Apart from the aforementioned features, you can extend the platform by integrations like appointment booking, payroll, etc.

Regarding fees, the in-store card processing fees are charged 2.75%, while online and invoiced payments go for 2.9% plus $0.30.


  • Free domain and online store
  • Comprehensive all-in-one payment solution
  • To grow business, you can use add-ons
  • No monthly fees
  • Features are focused on low-volume merchants


  • Availability in limited countries
  • Not ideal for high-risk merchants
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6. QuickBooks Payments

QuickBooks Payments
Intuit can give you a whole suite of tools depending on what you need for your business. It is widespread, and you can get paid with the QuickBooks tool. It is also one of the best solutions if you want to integrate QuickBooks for accounting functionality.


  • Integration with QuickBooks
  • TurboTax access
  • Send invoices
  • Mobile payments allow you to get paid anywhere
  • You can add a Pay Now button on your website
  • Accept ACH bank transfers
  • Connect your payments with timesheets and payroll


  • Rates are comparably high
  • Not suitable for personal sending and receiving

7. Klarna


Klarna’s AI system has made possible this, which quickly analyzes an individual’s risk based on their details, along with purchasing time and transaction history. It can approve or deny the purchase in a couple of seconds. Ultimately, the customer is given 14 days to clear the payment.
You don’t even need to register with the service to connect with banking. Just proceed with your regular online banking details plus authentication, and it is done.


  • Customers can purchase products and complete the payment after delivery
  • Easy checkout process
  • Customers can even pay in installments
  • Klarna pays Merchants upon checkout


  • Purchases can be declined without any concrete reason
  • Not a solid customer support
  • Customer refunds might take time

8. TransferWise

It is comparatively a cheaper  PayPal alternative for international payments. The multi-currency borderless account helps customers, freelancers, and online businesses send, receive, and spend money across countries with minimum fees. It works like this. It doesn’t take any hidden charge and sticks to only an upfront transfer fee.


  • Most accepted and cheapest tools for international money transfers
  • Transparent pricing
  • Transfer between 40+ currencies


  • Can’t send or receive money if it is not a bank transfer
  • Only receive money in EUR, USD, AUD, and GBP with the borderless account
  • Don’t get a lot of extra features

9. Google Pay

Google Pay
Google Pay has established an excellent reputation in a brief period. Google Wallet is the best choice if you’d like a place to store and use your debit or credit cards. It is not easy to spend money online, and you can put all of your cards on the phone for spending at physical locations.


  • You can accept Google Pay from the customers on Google Business, whether on the website or physical store.
  • Takes money to send or receive money
  • Solid security
  • No fees and customers don’t get charged for anything extra


  • Not suitable for international payments
  • Security still scares a bit

10. Amazon Pay

Amazon Pay

The Amazon Pay payment system is for the users & sellers outside the Amazon Marketplace. Thus, if you are an independent online retailer, then you can integrate Amazon Pay into your ecommerce store and offer it as a payment gateway for your online store. Currently, there are more than 300 million active users and 197 million visitors per month on Amazon.


  • Transaction fees are almost the same as PayPal
  • Security is highly advanced
  • If you begin with an Amazon account, the interface and signup process is easy
  • Amazon Pay is highly popular and familiar with customers, so customers can easily make payment


  • There are some random fees like domestic processing fees and cross-border processing fees
  • Integration of Amazon Pay in your online store may take a little programming language

Wrapping Up

This article has gone through many different payment gateways that you can use as an alternative to PayPal. hire an ecommerce development company who can give you the best consultation in choosing the payment gateway, but our expert developers have expertise in integration as well. who can develop ecommerce stores from scratch with your choice of payment gateways and other features?

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CTO at Emizentech and a member of the Forbes technology council, Amit Samsukha, is acknowledged by the Indian tech world as an innovator and community builder. He has a well-established vocation with 12+ years of progressive experience in the technology industry. He directs all product initiatives, worldwide sales and marketing, and business enablement. He has spearheaded the journey in the e-commerce landscape for various businesses in India and the U.S.