5 Alternatives to PayPal for Online Transactions

When it comes to online shopping, there are a few things people are concerned about, whether it’s their credit card information being at risk, the security of their mobile transaction or not being able to get a refund if the item they purchased is not satisfactory. Some may not be able to use their local credit card on a website. This is why there are online international payment services like PayPal which makes it very easy to send, receive, and even request for money across borders. Because PayPal is so popular, there are a lot of rules and regulations to follow; some of which might hinder a few people from successfully completing a transaction. If you find that PayPal isn’t really a good option for you, this article will give you a few great alternatives, complete with features and added services they can provide.    

Skrill (MoneyBookers)

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Skrill, formerly known as MoneyBookers, allows you to send and receive money to other users. It works with other online banking services in some countries, and for all other countries, you can send and receive money with a credit/debit card. Each country is also charged differently when sending and withdrawing funds from Skrill. It focuses more on sending money between users as there are very few online merchants that allow you to whpg with its services. However, their main focus of being able to send money of any currency to any country across the world is solid, making it PayPal’s close rival.  


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Also known as AlertPay, Payza lets you send and receive money from over 190 countries across 21 currencies. It’s mainly based in the US and Canada, but it also supports certain banks and credit/debit cards from their recognized countries. You can add funds to your Payza account via bank transfer or credit card, send money to other users, and even request money through invoices. Creating a Payza account is free but for all the above services of transferring money, there’s a small fee which is quite competitive compared to PayPal. Payza is also a great choice for online merchants because it has a lot of security features and can also help you manage multiple businesses with a single account.  

Google Wallet

inmotion review Google Wallet is mainly used in the US, but it also accepts credit or debit cards from many other countries. It serves as a digital wallet, more so in the US as you can tap to pay-in store with an NFC-enabled Android device. For online shopping, there are a lot of online merchants that accept checking out with Google Wallet. Unlike PayPal, Google Wallet is strictly for merchants, so you can’t send money to other users. However, there are no chargeable fees when using it online or in-store, which is good if you’re shopping on one of their online merchants where it only accepts US credit cards and not your local one.  


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  This is an interesting way to pay for online shopping. Registering for Payoneer grants you access to a prepaid MasterCard which will be sent right to your doorstep. Creating an account is free and you’re only charged once you activate the card. Once the card is activated, you can load money into the card from your local bank or other credit cards. The activated card can be used in many countries and in different currencies. Of course, maintaining the use of this activated card requires an annual fee. With the card, you can buy items and even withdraw money from a MasterCard ATM.  



  Paymate is a great way for online merchants based in Australia and New Zealand to receive money from international buyers from many countries. Sellers from the said countries can use this service on their website or on eBay Australia for a small fee. For the buyers, all you need to do is to key in your credit card information to pay, taking away the hassle of creating an account. Although this means there’s no way to send money to another user, online merchants can take advantage of Paymate as an alternative payment. Your credit card details are not sent to the seller but handled securely by Paymate.

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