# Alternatives to PayPal The most recognized online payments brand PayPal ranks #6 of 13 in Payment processors, with an Alt Score of 86. It is proprietary and available on Web, iOS, Android and Browser extension. 11 of 13 checklist rows are verified against a public source. Source: https://altcatalog.com/alternatives/paypal/ Category: Payment processors ## Overview - **Who it's for**: Consumers who want to pay, send, and save money digitally, and businesses of any size that need to process payments. - **What you get**: A digital wallet for sending/receiving money, shopping, and rewards on the consumer side, plus (via PayPal Open) payment processing services and business tools for accepting payments online and in person. - **How it works**: Consumers use the PayPal wallet or app to pay and transfer funds, while businesses integrate PayPal's checkout buttons, APIs, or PayPal Open tools to accept payments on their site or app. ## Profile - **License**: Proprietary (verified 2026-07-12) - **Pricing model**: Usage-based (verified 2026-07-12) - **Starts at**: 2.99% + $0.49 per transaction (verified 2026-07-12) - **Platforms**: Web, iOS, Android, Browser extension - **Status**: active (verified 2026-07-12) ## Ranked alternatives | # | App | Alt Score | Licence | Platforms | |---|-----|-----------|---------|-----------| | 1 | [Stripe](https://altcatalog.com/alternatives/stripe.md) | 96 | Proprietary | Web, iOS, Android | | 2 | [Adyen](https://altcatalog.com/alternatives/adyen.md) | 93 | Proprietary | Web, iOS, Android | | 3 | [Mollie](https://altcatalog.com/alternatives/mollie.md) | 93 | Proprietary | Web, iOS, Android | | 4 | [Square](https://altcatalog.com/alternatives/square.md) | 89 | Proprietary | Web, iOS, Android | | 5 | [Checkout.com](https://altcatalog.com/alternatives/checkout-com.md) | 86 | Proprietary | Web, iOS, Android | | 6 | [Braintree (PayPal)](https://altcatalog.com/alternatives/braintree.md) | 83 | Proprietary | Web, iOS, Android | | 7 | [Helcim](https://altcatalog.com/alternatives/helcim.md) | 83 | Proprietary | Web, iOS, Android, Windows | | 8 | [Razorpay](https://altcatalog.com/alternatives/razorpay.md) | 79 | Proprietary | Web, iOS, Android | | 9 | [Worldpay](https://altcatalog.com/alternatives/worldpay.md) | 79 | Proprietary | Web, iOS, Android | | 10 | [GoCardless](https://altcatalog.com/alternatives/gocardless.md) | 59 | Proprietary | Web | | 11 | [Amazon Pay](https://altcatalog.com/alternatives/amazon-pay.md) | 55 | Proprietary | Web | | 12 | [Authorize.net](https://altcatalog.com/alternatives/authorize-net.md) | 55 | Proprietary | Web, iOS, Android | Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/ ## Feature comparison Legend: Yes / No / Partial / ? (not verified). | Payment processors checklist | PayPal | Stripe | Adyen | Mollie | Square | Checkout.com | |---|---|---|---|---|---|---| | Pricing model | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based | | Starts at | 2.99% + $0.49 per transaction | 2.9% + $0.30 per transaction | $0.13 + Interchange++ + 0.60% per transaction (cards) | EUR 0.32 per transaction (iDEAL) | 2.9% + $0.30 per transaction | ? | | License | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary | | Platforms | Web, iOS, Android, Browser extension | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | | Hosted checkout / payment links | Yes | Yes | Yes | Yes | Yes | Yes | | Recurring billing & subscriptions | Yes | Yes | Yes | Yes | Yes | Yes | | In-person / POS payments | Yes | Yes | Yes | Yes | Yes | ? | | Local payment methods (wallets, bank debit) | Yes | Yes | Yes | Yes | Yes | Yes | | Multi-currency settlement | Yes | Yes | Yes | Yes | No | Yes | | Marketplace / split payments | Yes | Yes | Yes | Yes | Yes | Yes | | Built-in fraud & risk tools | Yes | Yes | Yes | Yes | Yes | Yes | | Dispute / chargeback management | Yes | Yes | Yes | Yes | Yes | Yes | | Sales-tax calculation add-on | ? | Yes | ? | ? | Yes | ? | | PCI DSS Level 1 | ? | Yes | Yes | Yes | Yes | Yes | | Developer API & SDKs | Yes | Yes | Yes | Yes | Yes | Yes | | Interchange++ / cost-plus pricing | Yes | Partial | Yes | Yes | Partial | Yes | | Instant / fast payouts | Yes | Yes | Yes | Yes | Yes | Yes | ## Sources Sources for PayPal. Each alternative is sourced on its own page. - **Status**: active — (verified 2026-07-12) - Quote: “Last Updated: June 29, 2026” - **Pricing model**: Usage-based — (verified 2026-07-12) - Quote: “Standard Credit and Debit Card Payments 2.99% + fixed fee” - **Starts at**: 2.99% + $0.49 per transaction — (verified 2026-07-12) - Quote: “Standard Credit and Debit Card Payments 2.99% + fixed fee ... US dollar 0.49 USD” - **License**: Proprietary — (verified 2026-07-12) - Quote: “PayPal Online Payment Services Agreement” - **Platforms**: Web, iOS, Android, Browser extension — (verified 2026-07-12) - Quote: “Download on the App Store Get it on Google Play” - **Hosted checkout / payment links**: Yes — (verified 2026-07-12) - Quote: “No code, faster setup Easily create a link, button, or QR code for a product or service. Then, just copy, paste, and get paid.” - **Recurring billing & subscriptions**: Yes — (verified 2026-07-12) - Quote: “Tap into subscription revenue with easy-to-set-up recurring payments.” - **In-person / POS payments**: Yes — (verified 2026-07-12) - Quote: “The customizable POS system that makes selling easy across customer touchpoints.” - **Local payment methods (wallets, bank debit)**: Yes — (verified 2026-07-12) - Quote: “Make it easy for your customers to pay, even without an account with PayPal. Offer options including PayPal, Venmo,^3^ Apple Pay®, credit and debit cards, Pay Later,^4^ and Pay by Bank (ACH).” - **Multi-currency settlement**: Yes — (verified 2026-07-12) - Quote: “Accept payments from over 200 global markets supporting 140 different currencies.” - **Marketplace / split payments**: Yes — (verified 2026-07-12) - Quote: “Use multi-merchant payments so that a buyer can check out from multiple merchant on your platform in one purchase... A single purchase will result in a separate transaction settled to each of the merc” - **Built-in fraud & risk tools**: Yes — (verified 2026-07-12) - Quote: “Opt for Chargeback Protection and Fraud Protection Advanced to help reduce fraudulent costs and more.” - **Dispute / chargeback management**: Yes — (verified 2026-07-12) - Quote: “PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer” - **Developer API & SDKs**: Yes — (verified 2026-07-12) - Quote: “The JavaScript SDK displays PayPal-supported payment methods on your page to give your buyers a personalized and streamlined checkout experience.” - **Interchange++ / cost-plus pricing**: Yes — (verified 2026-07-12) - Quote: “Advanced Credit and Debit Card Payments (Interchange Plus Plus) Interchange Pass-through Costs + 0.49% + fixed fee (collectively “Interchange Plus Plus”)” - **Instant / fast payouts**: Yes — (verified 2026-07-12) - Quote: “Unlike traditional bank wires, near real-time access for wallet, prepaid or debit card, and PayPal crypto (PYUSD) payouts.^2^ Same-day access for banks in select markets.” --- Ranked by verified data, never by who paid. https://altcatalog.com/trust/