Top 15 solutions for online payments

When it comes to finding a platform for online payments, there are more options than you can count. And while it cannot be denied that PayPal is the major player in the online payments arena – they are the main payment solution for businesses, freelancers, and eBay customers – there are many more options out there that are challenging PayPal for the title of top option.

A plethora of payment providers for your business

PayPal has its benefits, but the technology has now allowed many others to enter the arena, and they are competing directly with PayPal by offering better security, faster transactions, and cheaper fees. Here are the top fifteen alternative payment solutions for online purchases, in no particular order.

Competing payment solutions online


With its innovation in time-tracking technology, Due has made a name for itself in the world of freelancers and small businesses. The ability of users to now be able to accept secure payments with a low, 2.7 percent transaction fee has led to them rising in popularity. They can easily accept global payments, which take around 2 days to process, and can be used as a digital wallet to send and receive money globally within seconds. Costs are minimal for peer-to-peer transfers, and they include an e-bank for your convenience.


Stripe has been popular for the last few years because of its simple yet powerful interface. The flexibility also means that you can customize the platform to meet your individual needs, whether you have a subscription requirement or are running an e-commerce marketplace. The platform can be integrated with hundreds of third-party apps, which means you do not need to be a professional coder to get it up and running quickly, with the apps that you need most. There are also no set-up fees, monthly fees, and low costs with no hidden charges, which makes it very attractive.


The features in Dwolla are very similar to PayPal, especially when it comes to the transfer of funds. However, its powerful application programming interface (API) means that the focus in mainly on bank transfers and automated clearing house (ACH) options, which allows the user to customize their personal interface to create custom solutions for faster payment processing. The biggest attraction? All transactions are free.

Apple Pay

If you are selling online, then you need to be thinking about accepting Apple Pay. With their touch ID confirmation, the transactions are more secure and much faster and allow the user to pay for anything in store just using their fingerprint. Apple Pay may be one of the youngest mobile wallets around, but it is fast evolving into one of the most popular, and there are rumors that the service will soon be able to integrate with older systems. The added bonus is that Apple Pay now supports peer-to-peer payments inside its iMessage application.


Available in over 200 countries and able to accept 150 separate currencies within the same application, Payoneer is the oldest of all the global payment systems. Payment receipt is free for all businesses, and with their flexible API you can easily grow your business. As with PayPal, you can also receive certain card payments if you are not yet ready to be fully digital, or the customer requests it.


2Checkout is yet another platform that allows its users to accept certain credit and debit cards, as well as being able to accept PayPal payments. Global payment ability is available for all levels of business, and it is available in 87 different languages. There is advanced fraud protection programming, it allows you to integrate your payments with hundreds of available shopping carts, and has a recurring billing function for those automatic billing requirements.

Amazon Payments

For the best in customer peace of mind, you need to accept payments through Amazon. Instead of having your own checkout, customers on your site automatically go through the Amazon payment gateway. This allows them to checkout using their Amazon credentials, making your checkout process simple, easy, and hassle-free, for both you and the customer. Moreover, with the trust Amazon has built up over the years, it gives the customer a great shopping experience.


Square has upped the ante on payment processing, allowing merchants to accept card swipe payments for a very low fee with their magstripe reader. At just 2.75 percent per transaction, the fees are lower than any other available magnetic stripe system. In addition, you have the ability to send electronic invoices and get paid through their Square Cash application.


Another popular service, Payza allows you to send and receive payments in minutes, from anywhere in the world. The user interface is easy to use, and has a cool look, while still being robust with a unique security system. They provide individually dedicated support and it is free to sign up for the service. Moreover, not only can you accept credit and debit cards, bank payment withdrawal, and internal funds, it can also accept payments in bitcoin.


This is now one of the most popular alternatives to PayPal, with additional features such as instant withdrawals, fast deposits, low transaction charges, over 40 currencies incorporated into the app, exclusive loyalty offers, and the ability to send text messages from the account to any mobile phone in the world. Additionally, by referring a friend, you will get a payment of 10 percent of their generated fees into your account for a whole year.


Despite Venmo now being a wholly owned subsidiary of PayPal, there are fundamental differences between the two. While PayPal is mainly used for simple transactions for personal use or on eBay, Venmo is more often used by individuals who could be considered as social spenders. Rather like a cross between PayPal and Facebook, the transactions are shared in an online live feed, so whenever a payment is made from one person to another, it is shared publicly. Great for those who want to let everyone know how much they are spending.

Google Wallet

Originally, this was Google Checkout, and has evolved from a simple payment system for Google-based products to a fully-fledged mobile wallet. It allows the user to send money from their smartphone, browser, and Gmail account and is fast, simple, and safe. It can also be used to store credit and debit card details, loyalty cards, and gift cards, for use within the wallet itself or at mobile checkouts.


Priding itself on its excellent customer service, and superb fraud protection, Wepay has the advantage that merchants can accept customer payments through a virtual terminal without them leaving the merchant’s website. They also offer full risk management, collection services, and can be used for customer invoices, ticketing for events, and automated marketing.

Intuit GoPayment

An almost indispensable application for the small business, Intuit is able to accept payments online as well as in the store, with their GoPayment card processor. They can also offer payroll and tax calculation services and have a low monthly rate with only a 6 percent credit card charge.

Having been around since 1996, no list would be complete without As the internet’s most widely used payment gateway, it has received the Achievement in Customer Excellence award every year from 2008 to 2016. Despite being around for over two decades, they have managed to stay current with mobile payment trends, and are able to easily accept Apple Pay on their standard platform.

With so many online payment platforms available to businesses today, making the right choice can be easier than ever. The selection allows businesses to choose the right one for their niche and requirements, without making lots of hard changes and impossible integrations.

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