During the early days, there were very limited options available to receive overseas payments and there were no alternatives to PayPal. Freelancers and small business owners [mostly other than USA] had to pay hefty fee for international funds transfers. While working on Upwork which is one of the best freelancing websites, I remember, I paid $30 USD fee for the first withdrawal and that was really a big amount. There were on other online payment alternatives to PayPal unfortunately. But with the fastest growth in the online business market, having more payment methods for entrepreneurs around the world became the top priority.

These PayPal alternatives play a vital role in the fastest-growing business earnings. These online payment methods make it really easy to get paid while working from anywhere in the world. Either you work online in Dubai Down Town, in New York, you’ve a small business in London or living in a small village far far away, you’ll get your hard earned money in your bank in few clicks.

According to Statista, Digital Payments segment amounts to US$4,769,370m in 2020

Paypal is the world’s largest and most trusted online payment method with 295 million registered users worldwide. The ugly truth is, it still does not work in many countries in the world.

But where there is a will, there is a way.

And luckily, we’ve got lots of most trusted, fast and secure PayPal alternatives to withdraw funds.

Let’s get started!

1. What are alternatives to Paypal?

In plain English, these are the ways to make payments other than PayPal. Frankly, these payment methods killed PayPal’s monopoly. PayPal once was the only way to transfer international funds with lots of security checks and holding back your money for three weeks.

That’s a lot of time to be honest and a running business can’t afford that long delay. In addition to that, there were sneaky hidden charges and upfront transfer fee before you could make a transaction.

If you are a freelancer, you must confirm that alternative to PayPal is supported by the freelancing platform and you can withdraw funds in your country using it. Make sure to check the hidden fee as well and if you can afford, you are good to go.

2. What should we look before choosing alternatives to PayPal?

Here are the key points to remember before choosing a payment method that works best for our business.

  1. It’s highly secure
  2. It should work in both sender and receiver countries
  3. Time it’ll take for payment processing
  4. Transfer charges per transaction
  5. Minimum amount you can send or withdraw
  6. Popular currencies supported
  7. Customer support
  8. Mobile apps
  9. Credit or debit cards support
  10. Local currency conversion rates [For instance, dollar to PKR or dollar to INR]

From the above checks, which one is most important? Well, obviously, the No.1 preference is security.



“Every form of payment has some risk associated with it.” — Frank Abagnale

Make sure that the payment platform you choose has multiple security and authentication methods. So, these are some of the points you must check for a payment method. If all of these features are available, you should choose that payment method for your online business transactions.

3. What are best alternatives to Paypal for business?

Whether you are running an ecommerce business or accept payments in online stores, an ideal online payment platform works well with credit cards, bank accounts, bitcoin and more. Gladly, these platforms are enriched with multiple advanced features including:

  1. Invoicing
  2. Credit card processing
  3. Mobile payments
  4. E-banking
  5. API integration
  6. Risk management
  7. Marketing automation
  8. E-wallet

So, whatever your business is, either on ebay or non-profits, these are the most used payment processing platforms and considered as best Paypal alternatives in the world.

Let’s check them out one by one!

Stripe has become one of the most popular online payment solutions that collects payments online. It is frequently used by freelancers, bloggers, marketers, entrepreneurs and digital products sellers. Stripe has made really simple for customers to pay online with excellent customer support. Stripe gained immense reputation in the recent years and emerged as a strong Paypal competitor. The reason behind its success is it’s transparency. There are no hidden charges, no gimmicks, no setup costs and no monthly charges. However, Stripe can be tricky sometimes for non-technical guys and requires a bit development knowledge for it’s configuration.

alternatives to paypal

According to Stackshare, more than 3000 businesses and developers use Stripe including top brands like Reddit, Udemy, Digital Ocean to name a few.

How Stripe works?
  1. First you need to create an account by signing up on Stripe. Use an email address and a strong password.
  2. An email will be sent for validation, confirm it please.
  3. Click on activate your account at the top left
  4. Provide all the details related to your business, product, bank, currency, business name and credit card statement.
  5. Activate the account and start accepting live payments

With a global audience, it’s the best online payment option for small business owners. It works in 200 countries and supports more than 40 payment methods. Additionally, it is available in 30+ languages and supports 100 currencies. Developers love 2Checkout and it’s the platform of their choice. It offers intelligent payment routing and multi-currency management. Most importantly, you’ll be able to receive funds through the payment method of your choice. I’ve not seen a best Paypal alternative supporting that much payment processing methods.

How 2Checkout works?

The application process of 2Checkout is very restrict. The sign up process is free and after the sign up is complete, you need to provide the following details for account verification.

  1. Your personal details like name, email, website and location
  2. Detailed info of your business
  3. Bank account details of your brand for payment collection
  4. Address proof and photo

After giving these details, one of team members of 2Checkout will communicate with you to confirm that the account has been verified. In addition to that, you’ll get all the setup details in your inbox. Configure them on your website accordingly and you’re ready to accept payments online.

With impressive features and using some interesting technology, Dwolla is a payment processing platform that differs a lot from other payment options. Unlike, other Paypal alternatives, The accounts are connected directly with bank accounts to send and receive money. Money instantly flows from one Dwolla account to another with no big transaction charges that we use to pay while using credit cards.

With it’s own network, Dwolla is the future of electronic payments

Founded by Ben Milne, Dwolla is an innovative payments platform that processes between $30 to $50 million per month.

Dwolla’s is best for transferring larger sums as it only costs $0.25 if the amount is more than $10 USD. That’s the lowest transfer fee I’ve ever seen. By default, the receiver pays the fee, but the sender can choose to pay as well. There are no other fees or costs in the Dwolla network and the platform is focused to sidestep credit cards. The bad news is Dwolla works only in USA.

How Dwolla works?

Dwolla supports multiple transfer types including Standard ACH, account to account, real time payments and wire. You just need to sign up using your email and a password. Connect your bank account with the Dwolla account and start sending and collecting money. You can send money even tweeting on twitter using the #dwolla hashtag.

It is the love of every freelancer and best Paypal alternatives for freelancers and small business owners. It is fast, secure and provides an excellent customer experience. Payoneer was founded back in 2005 and after achieving a number of milestones in the past 15 years, it has become the most popular payment brand.

Payoneer is supported in more than 200 countries in 150+ currencies.

That means you can accept payments in multiple currencies like USD, EUR, GBP, JPY, AUD, CAD & MXN in your local bank account. Payoneer has 17 global offices and provide 24/7 support in multiple languages. According to the people reviews on multiple forums, it is now considered as one of the best alternatives to PayPal and a great online payment method in the world.

How Payoneer Works?

If you are a freelancer on any of the world’s best freelancing sites like Fiverr, Upwork or PeoplePerHour, you need to have a Payoneer account to receive payments. Payoneer is now supported as a payment method in all these freelancing platforms. 

  1. Register to Payoneer by providing all the required details including contact, security and bank details.
  2. Once the Payoneer account is active, set it up as a payment method in earnings or payment section.
  3. Upon funds withdrawal, the earned money will be transferred to your Payoneer account.
  4. Payoneer will transfer the payments in your local bank account in your local currency.
  5. Also you can withdraw your money at the ATMs anywhere in the world.
  6. Account to account funds transfer is free in Payoneer

The fee for each withdrawal is 2% of the total amount, which include the fee for the conversion and the transfer. So charges may vary depending upon your country. The fees to receive payments via credit card is 3% of the total amount and 1% if you receive payments via E-check. When submitting the payment your clients will view an automatic calculation of the fee that is to be charged.

In short, that would be around $3 USD per withdrawal. If there are any additional charges, that may have been charged by your respective bank.

It is a UK based company formerly known as Moneybookers headquartered in London. It supports more than 40 currencies. Skrill was launched back in 2001 and now it is one of the fastest growing company in the UK.  This online payment method also works in around 200 countries in the world and have around 40 million users worldwide. It’s considered as the best alternatives to Papyal on eBay. World’s most famous brands like Skype and Facebook use and integrate Skrill for money transfers.

How Skrill Works?

Being a freelancer, you can receive money via Skrill. It just takes a couple of minutes to create a free account on Skrill. You can sign up here.

There are 3 major ways to receive money via Skrill.

  1. Skrill Wallet
  2. Bank Account
  3. Mobile Money Wallet

You will be able to receive funds on your registered email. In bank account option, funds will be transferred directly to your bank and in Mobile money wallet, you will receive money on your registered mobile number. In my opinion, these are the best choices for a freelancer to get the earned money easily either on email, bank account or mobile.

My suggestion is to use bank account to receive funds because it is a direct deposit in your bank in the local currency. Then you can use your local bank’s ATM card to avoid further charges. Furthermore, it is very fast, simple and highly convenient to get funds securely.

In Skrill, there are NO transfer charges when you send money directly to a bank account.

Skrill has mobile applications for both Apple and Android users.

Receiving money via Skrill is always free of charge. So that means there will be no charges when you transfer funds from Skrill to the local bank. That is why I have suggested you guys this method to receive money.

However, minimum 0.50 Euro is the minimum fee to send money through Skrill.

Transferwise offers you very easy, fast and secure way to receive money. The versatile, intuitive, useful and honest. services of Transferwise make it the future of banking with great exchange rates. Transferwise has 6 million customers with excellent trust score of 4.6/5 on Trustpilot. The beauty of Transferwise is you can hold more than 50 currencies at the same time, and convert between them on the go in seconds.

In Transferwise, you can mange more than 50 currencies and it works in 50+ countries using Borderless accounts.

TransferWise is independently regulated by the Financial Conduct Authority in the UK. Transferwise carries out over £1 billion transactions every month with highest security measures. If we compare the services of Transferwise, we can save up to £35 per each £1000 transaction as compared to the other famous banks.

How Transferwise Works?

For a freelancer, in order to receive money from your international clients, you need to first create an online Borderless Account. Create that account in your local currency, you can find in the coverage section to know more about the details of supported currencies. Due to security measures, you’ll need to upload the national identity documents for full account verification. There are no foreign transaction charges and receiving money is free. The account in Transferwise is just like an international bank account and you can withdraw cash anywhere in the world.

The core features of Transferwise for Freelancers are:

  1. A Free Debit Card
  2. Receive Money just like local bank
  3. Convert currencies super fast on the best exchange rates
  4. Integrate with Xero
  5. No fee to receive funds
borderless bank account

Both mobile apps for Apple and Android are available.

For freelancers, there are no hidden fees or any other charges to receive funds from anywhere in the world. Yes, Its Free!

There is a 2% Fee on ATM withdrawals over £200/month.

receive money online for free

vii. Azimo

Azimo is a smart choice for non-profits to receive money from more than 80 countries worldwide. You can receive that money with the help of it’s award winning mobile apps in a faster and safer way. There are 3 methods supported by Azimo to receive money.

  1. Direct transfer to your local bank account, it will take 2 hours to receive the cash
  2. Cash pick up, receive the money from 6663 locations by selecting the city of your choice.
  3. Mobile top up to receive instant cash on your mobile wallet
  4. Swift transfer but it can take up to 24 hours

Azimo offers a highly cheap and affordable money transfer services. Ask your client to send it through Azimo and cash will be in your hand in the next hour. The fastest delivery of cash makes Azimo stand out from the crowd. It has now around 1 million users world-wide. That’s the reason it is also one of the best alternatives to PayPal. Additionally, Azimo will keep you updated by email and push notifications about your cash delivery. Furthermore Azimo is verified by both MasterCard and Visa.

How Azimo Works?
  1. Sign up for Personal Account first in order to receive funds from international client.
  2. Choose your country and the best method to receive the amount like direct bank transfer, cash pick up and mobile top up.
  3. I would suggest to receive directly in your bank, so it will need your bank account details.
  4. After the transfer is processed, amount will be in your account in minutes.
paypal alternative in pakistan

With excellent ratings, Azimo has both apps for Apple and Android ideal for mobile top ups.

  1. Download the Apple app from Appple store
  2. Download the Android app from Playstore

The withdrawal charges and exchange rates depend on your country. But Azimo offers first 2 transfers as free and there will be no charges.

Withdrawal fee can be as low as £1

Additionally it depends on the withdrawal method, that means fee is different for different withdrawal method but it can be as low as 1GBP.

It’s a highly secured payment method by Google that works in 29 countries in the world. Th good news is, it’s free, however, you can add a certain amount in your wallet. Google Pay works smoothly with credit, debit, loyalty and gift cards and thousands of popular banks, you can find the full list here. You can easily pay to your friends and peers, you can even use Paypal to pay on online stores once it’s added in GPay. The benefit of doing that is to save the Paypal’s login credentials.

There are 3 security authentications in GPay:

  1. Fingerprint
  2. Pattern
  3. Pin

You can choose any of these security methods for your account protection.

With Google Pay, you can easily pay on email address or phone number

How Google Pay works?

You need to have a google account first. Go to Google Pay and add your card, it will be verified by google. Secure your account and start using it to pay online. That’s it!

It’s an ideal payment gateway especially for Woocommerce users because of it’s API integration. It has won many awards as the best payment gateway for API integration and ACE award for customer support. With over 430,000 merchants, Authorize.net handles 1 billion transactions and $149 billion in payments every year.

It is only supported in USA, Canada and Australia

Authorize.net supports multiple payment methods including Visa, Apple Pay, American Express and Paypal to name a few. The company ensures your data is highly secure and protected from fraudulent activities.

How Authorize.net works?

There are 3 plans offered by Authorize.net:

  1. All in one option
  2. Payment Gateway only
  3. Enterprise solutions

The all in one option is recommended for small businesses to start getting payments. There are no setup charges or gateway fee. Complete information about you and your business is required to complete the sign up process.

A JPMorgan Chase company, WePay started back in 2008. It’s a highly secure payment processing platform that uses cryptographic algorithms during data transmission. WePay is a highly trusted platform that helps small businesses to get paid easily through the apps and plugins they use.

WePay charges a minimum amount of $0.50 in order to process credit cards and take payments.

It offers 3 major payment solutions:

  1. Link — recommended for small business accounts, you can provide checkout facility directly on your website
  2. Clear — offers same day deposits, instant integration and loss protection
  3. Core — integrate directly to Chase’s core infrastructure, provides complete payouts and cash management solution
How WePay works?

You can register an account for free on WePay using an email address and password. Select individual if you are setting up a personal account and business for a business account. Complete the necessary information, get the API to use it on your store or business site to start getting payments.

Square is not just popular payment solution, it’s a huge organization that offers a wide range of financial services. However, the bad news is, it works only in five countries, UK, USA, Japan, Australia and Canada. The company has several software and hardware payments products that work best for retail and in-person transactions.

Square charges users with standard rates, see the fee details here.

You’ll get a free domain and an online store. Additionally, Square works best for shopping cart integrations, invoicing, credit cards, gifts cards, business debit cards and loyalty through Square’s Point of Sale.

alternatives to paypal 2020
How Square works?

Enter your email, password and country, you are signed up. That’s how fast an account is created on Square. Furthermore, for any any kind of shop like a coffee shop or an online store, you can get the hardware that suits your business.

Formerly known as Square cash, it’s a mobile payment app developed by Square Inc. Like I said above, Square is the world’s leading financial organization just because of it’s conquering apps and great payment products. With over 10 million downloads, Cash app is fast, reliable and easy to enroll. It works in UK and USA only.

The Cash app is not just limited to sending and receiving money. You can earn through it by completing simple tasks. You can make real money by testing the app, giving opinions or by watching videos.

How Cash App works?

Download the app on your mobile, choose a unique username and link it to a bank account or a Visa debit card. You can withdraw cash through ATMs with this app and transfer money on mobile numbers and email addresses.

It’s a PayPal service but, rather, I’d consider it as the best PayPal alternative. It has a smooth integration process and great for multi-currency payments. It takes two business days for the payment to reach into your account. Since it’s a PayPal service, so. you can expect that time.

Braintree provides merchant accounts and gateway services in over 45 countries.

There are 4 key products of this payment solutions company:

  1. Direct — for small business owners to sell and receive payments on their website
  2. Extend — set of data sharing tools to connect with partners
  3. Auth — for sharing merchant data securely
  4. Marketplace — works for marketplace businesses
How BrainTree works?

There are no setup, gateway or monthly fee. However, BrainTree charges 2.9% + $0.30 on each transaction. First, you need to make sure if it works in your country. You can check the list in their FAQ section. After that, you can apply for an account by filling up this form.

xiv. Venmo

It’s a digital wallet that is also owned by PayPal. There is no doubt about the intensive security measures that PayPal practices. That’s why, transactions and the app data is encrypted to keep it safe and highly secure. Venmo is an ideal mobile payment app that is used to send and receive money via mobile. But, both sender and the receiver must be living in USA.

Receiving money and making purchases in other apps is always free, however, 3% applies to credit cards.

See the full pricing structure here.

Venmo is a platform to make payments online with your friends and family. According to Wikipedia, Venmo processed $12 billion in transactions in the first quarter of 2018.

How Venmo works?

You can link Venmo to a bank account, a credit or a debit card. To send and receive money, you need to create a free account first. You can sign up here filling up the simple form. Provide your phone number for the account verification. Once the account is verified and active, you can start sending payments.

Whether we talk about cloud computing, books or ecommerce business, Amazon dominates the world. Amazon Pay is a world’s leading payment service that lets you pay through your Amazon account. You won’t need to add any additional payment methods. This makes a lot of easy for millions of Amazon customers to pay through the same platform they trust.

Use your voice and ask Alexa to pay — isn’t it exciting?

A single Amazon account works for both you and your customer. Amazon Pay charges 2.9% + $0.30 for domestic US transactions. See the complete pricing structure here.

Amazon Pay has 3 payment solutions:

  1. Web — Integrate Amazon Pay with your website
  2. Mobile — Use mobile app to pay on shopping and charity websites
  3. Alexa — The most innovative feature —  just ask Alexa to pay or donate
How Amazon Pay works?

To register on account, go to the Amazon Pay sign up page and fill the basic questionnaire form. It will ask for your personal and business information. Just remember that you must use a different email address for Amazon Pay if you already have an account on Amazon. You can go through the complete registration guide here.

With unparalleled security and global payment services footprint, WorldPay is the UK’s biggest online payments processing platform. If you are a developer, you can integrate the WorldPay’s simple API real quick into your app. WordPay supports over 120 currencies, encryption, tokenization and EMV chip card payments. It’s highly recommended alternatives to PayPal for small businesses because of it’s extensive set of ways that enable businesses to accept payments.

There are 2 payment plans, you can choose whatever suits you.

  1. Pay as you go — 2.75% + £0.20
  2. Monthly plan — £19.95

Mobile wallets, multi-channel payments, shopping carts, mobile and tablet point of sale are some of the iconic features that make WordPay stand out from the crowd.

How WordPay works?

With WorldPay, you can start taking payments within 24 hours. It’s super fast and setup is pretty easy. You need to sign up and create an account, get the API and add it on your store, you’ll be live next day. That’s it!

Jack Ma — who co-founded Alibaba Group which is one of the largest ecommerce businesses in the world. Back in 2015, the Chinese tech giant launched Alipay with the core purpose of creating an ease for the customers with their transactions. Now Alipay has 1,000,000,000 users, it’s a Billion, and it’s the dominant payment platform in China. With this PayPal alternative, users can pay for other things as well such as their monthly bills and groceries.

According to WikiPedia, Alipay is the world’s largest mobile payment platform

Alipay supports 18 major foreign currencies and 110 countries.

How Alipay works?

Alipay gives a priority to the buyers who are looking to purchase merchandise online. When a buyer confirms after receiving the product, Alipay then sends money to the seller’s account.

To sign up for an Alipay account in China is simple. However, it’s a bit different to create an account from any other country. You can follow this guide to create an account on Alipay.

Apple Pay is a simple, elegant and convenient payment service provided by Apple Inc to make secure digital payments online. Using Apply Pay, you can pay in stores, in apps and on the web. Additionally it supports the major credit and debit card providers including Master Card, Visa and American Express. 

With Apple Pay, paying takes just a touch

Apple has it’s own card known as Apple Card that works like a credit card. You’ll get 3% cashback on every purchase you make.

Apple Pay works with all the leading banks in the world, you can find your bank here.

Also, either you’ve an iPhone, an iPad or an Apple watch, you can make contactless payments on the go. Furthermore, Apple users can use it to pay for a subscription to Apple Music, Apple News+, and Apple Arcade. Apple Pay is highly secure and safe and trusted by hundreds of millions of users worldwide.

How Apple Pay works?

Install the Apple wallet app and add a new card. Your bank will verify the card and may require additional info. Once your card is verified, you are all set to use Apple Pay. You can follow this guide and demos to setup Apple Pay.

Basically a credit card processor but with transparent pricing, Payline is also a good alternatives to PayPal. It is a great fit for small businesses because of it’s invoicing and in-depth reports. Other key features of Payline are chargeback prevention, hosted payments page, high risk payments and business loans.

Payline has 3 major payment solutions:

  1. In-store — small business solutions, countertop card readers
  2. Online — for personal use, easy integration with shopping cart
  3. Mobile — accept payments on mobile through credit card reader for iPhone and Android phones

Payline charges 0.2% or if we do the simple maths, it is $0.10 per transaction

See the full pricing coverage here.

How Payline works?

Payline has made the process of getting set up with your online payment service very simple, with great resources and stellar customer service. Sometimes, it takes a couple of hours to get approved and start taking payments.

To get started with Payline, you can apply for a merchant account first. The Payline team will review the application and approve it if everything is good. If you want to talk directly to a Payline rep, call at (888) 370-8684.

Intuit is one of the most popular financial organizations because of it’s three best products in the financing and accounting industry.

  1. Quickbooks Payments — Offers basic smart invoicing and ACH/Credit cards payments acceptance
  2. Turbotax — Get the biggest tax refund with 100% accurate calculations, TurboTax finds every deduction carefully
  3. Mint — Manage your budgets, bills and finances

There are 2 plans in Quickbooks payments.

  1. QuickBooks Simple Start — starts at $8/month
  2. QuickBooks Plus — starts $21/month

Basic reporting, custom invoicing, bookkeeping and automatic matching are the major features in the simple start plan.

How Intuit Quickbooks works?

With a Quickbooks payments account, you can enjoy four different types of payments — online, by phone, on the go and recurring payments. Additionally, you can email an invoice with a Pay now button. Furthermore, you can offer your customers multiple options for payment by credit card, ACH bank transfer or Apple Pay.

Due.com is personally my favorite and easiest way to pay and get paid. But, unfortunately, not so popular, it’s a great alternatives to PayPal that supports multi-currency payments for SaaS platforms, marketplaces and software providers. With Due, it’s possible to securely make larger and international B2B payments.

You can connect Due with a Stripe or PayPal account, charges start at 2.8%

Due offers the following digital payment options to its consumers.

  1. eCash
  2. Digital wallet
  3. Global payments
  4. Credit and debit cards processing
  5. Invoicing
How Due.com works?

You can sign up for a free trial for a business or an individual account. There are no setup or other hidden charges. Also, you can easily create professional invoices and accept payment immediately after the account is setup. Finally, it’s a highly recommended alternatives to PayPal and you must give it a free try.

ProPay is not just a payment processing platform, it’s a huge payment network. Ranging from small business to an enterprise or a multi-billion dollar industry, ProPay fulfills every enterprise’s needs with it’s robust, secure and simple payment solutions.

It offers a wide variety of payment processing features. Above all, it accepts the credit and debit cards of all major brands and handles ACH processing.

For small business owners, see the pricing details here.

The wide range of features include:

  1. Email and text invoicing
  2. Merchant accounts
  3. Mobile payments
  4. Payment integration
  5. Global payouts
  6. Online terminals
  7. Buy it/Donate now buttons
How ProPay works?

There are no free trials or free sign ups. Select among the card readers packages and sign up that is good for your business. Put your email address and password in the next step, about your business and payment information. ProPay will review it and your account will be active to start sending and receiving money.

Powering over 1 million businesses in the world, there is no doubt about Shopify gaining immense growth in the past few years. It’s now one of the world’s biggest ecommerce platforms that accepts credit cards directly which makes an ease for the customers. 

After you launch a store on shopify, you can start taking payments by integrating Apple Pay, Google Pay, American Express, Visa and Master Card for local currency checkouts. More importantly, Shopify payments platform supports 3D security checkouts, have you ever heard of them?

There are 3 pricing plans in Shopify payments.

  1. Basic Shopify —  $29/mo
  2. Shopify — $79/mo
  3. Advanced Shopify — $299/mo

See the complete pricing details here.

How Shopify payments work?

You don’t need to pay a subscription transaction fee if you use Shopify payments.

If you use any other payment provider, you need to pay both Shopify’s subscription transaction fees as well as the credit card fees.

Using an email address and a password, you can immediately start a store. Shopify offers a 90 day free trial.

3. Direct to local bank— A PayPal alternative for freelancers only

It is also the best method to get your money in your bank account directly via a single click. Freelancing websites like Fiverr, Upwork and Freelancer have that online payment method.. You will be charged a fee for each withdrawal.

  1. Upwork charges 0.99 per each withdrawal
  2. Fiverr charges $3 for each bank transfer
  3. Freelancer.com is free for Express withdrawals

While I worked on Upwork, I started to use direct to local bank method to withdraw my earnings. This method has now become more faster and safer. This online payment method will need the following information.

  • IBAN [International Bank Account Number], please contact your bank to get full IBAN or you can see your cheque book, it might have been written there.
  • Bank Name
  • Bank swift code
  • Account Type (sometimes needed like current account)
  • Your country and address

It takes around 3 business days to activate the withdrawal method. Once it’s active, you can withdraw your earnings in your local currency. Keep in mind that wire transfer for USD or other foreign currency accounts have a huge fee of $25 to $30 USD. Therefore, the most cheapest way is to get your earnings in local bank account. However, there is a major drawback in this payment method is exchange rate. The exchange rate is not that good in this payment withdrawal method as compared to the methods that I mentioned above.

4. PayPal Alternatives in Pakistan

My country Pakistan is leading in the freelancing market. If you just see the traffic stats for Fiverr, Pakistan has a 2nd Position after the United States. So, just for your convenience, 2Checkout and Payoneer are the best PayPal alternatives that Pakistani freelancers can use. Their costs are affordable and that’s why, these payment alternatives are already being used. Therefore, if you are facing any problems while withdrawing funds, these 2 payment options get my strong recommendation.  

5. Are there any free alternatives to PayPal?

The answer is NO.

There is no payment processing platform that offers a free payment solution. There is fee everywhere. However, most of the above alternatives to PayPal offer account to account transfers free. For instance, if we talk about Google Pay, their service is highly affordable. There are no fees to use debit cards or make bank transfers though, you’ve to pay on credit cards.

Another example is Payoneer, their account to account transfers are free but there are charges on other transactions.

6. Alternatives to PayPal: FAQ's

What is the best alternative to PayPal?

Stripe is extensively used and now considered as one of the best PayPal alternative.

What is the best online payment service?

Because of the quick API integration, Authorize.net is an ideal online payment service. It has won ACE award for best customer support.

What is PayPal’s biggest competitor?

PayPal was the only option we had in the early years but now thanks to the alternatives to PayPal, we have Stripe, Google Pay, Amazon Pay and Apple Pay as it’s biggest competitors. 

What are Alternatives to PayPal on eBay?

Skrill and ProPay are the best PayPal alternatives on eBay and I’d strongly recommend to use these online payment methods.

7. PayPal Alternative Summary

So, it’s the time to finally wrap it up. These PayPal alternatives let you send money to your friends, family and business partners directly. Also, these are the best online payment processing platforms that integrate with your store through the APIs and developer tools.

All of these platforms to make payments are highly secure and PCI compliant to make online transactions fast and hassle free. Personally, if you want my opinion about the PayPal alternative that I’d choose, I’d strongly recommend Stripe, Square, Google Pay and Payoneer as the best alternatives to PayPal in the world. Before choosing a payment method, just make sure it works in both sending/receiving countries to avoid payment glitches.

Finally, if you are going to launch a blog or a small business, feel free to read the major checklists before choose a web hosting company. Install WordPress on Bluehost, read the WordPress Beginners Guide and start your online journey.


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