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.
Consumers who want to pay, send, and save money digitally, and businesses of any size that need to process payments.
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.
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.
Why people leave PayPal
Dashed reasons are sourced facts; the rest are opinions. Vendors can dispute.
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Ranked alternatives
Ordered by Alt Score. Click any score to see the breakdown.
PayPal's enterprise/developer payment gateway (formerly standalone Braintree).
Feature comparison
Rows come from the Payment processors checklist (17 rows). Human-verified cells only. ? means the value has not been verified.
| Payment processors checklist | PayPal | Stripe | Adyen | Mollie | Square | Checkout.com |
|---|---|---|---|---|---|---|
| Pricing model | ||||||
| Starts at | ||||||
| License | ||||||
| Platforms | ||||||
| Hosted checkout / payment links | ||||||
| Recurring billing & subscriptions | ||||||
| In-person / POS payments | ||||||
| Local payment methods (wallets, bank debit) | ||||||
| Multi-currency settlement | ||||||
| Marketplace / split payments | ||||||
| Built-in fraud & risk tools | ||||||
| Dispute / chargeback management | ||||||
| Sales-tax calculation add-on | ||||||
| PCI DSS Level 1 | ||||||
| Developer API & SDKs | ||||||
| Interchange++ / cost-plus pricing | ||||||
| Instant / fast payouts |
Every fact and feature listed for PayPal is verified against its own pages. Each alternative is sourced on its own page.
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Status active verified 2026-07-12
Last Updated: June 29, 2026
https://www.paypal.com/us/business/paypal-business-fees -
Pricing model Usage-based verified 2026-07-12
Standard Credit and Debit Card Payments 2.99% + fixed fee
https://www.paypal.com/us/business/paypal-business-fees -
Starts at 2.99% + $0.49 per transaction verified 2026-07-12
Standard Credit and Debit Card Payments 2.99% + fixed fee ... US dollar 0.49 USD
https://www.paypal.com/us/business/paypal-business-fees -
License Proprietary verified 2026-07-12
PayPal Online Payment Services Agreement
https://www.paypal.com/us/business/paypal-business-fees -
Platforms Web, iOS, Android, Browser extension verified 2026-07-12
Download on the App Store Get it on Google Play
https://www.paypal.com/us/business/pos-system -
Hosted checkout / payment links Yes verified 2026-07-12
No code, faster setup Easily create a link, button, or QR code for a product or service. Then, just copy, paste, and get paid.
https://www.paypal.com/us/business/accept-payments/checkout -
Recurring billing & subscriptions Yes verified 2026-07-12
Tap into subscription revenue with easy-to-set-up recurring payments.
https://www.paypal.com/us/business/accept-payments/recurring-payments -
In-person / POS payments Yes verified 2026-07-12
The customizable POS system that makes selling easy across customer touchpoints.
https://www.paypal.com/us/business/pos-system -
Local payment methods (wallets, bank debit) Yes verified 2026-07-12
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).
https://www.paypal.com/us/business/accept-payments/invoice -
Multi-currency settlement Yes verified 2026-07-12
Accept payments from over 200 global markets supporting 140 different currencies.
https://www.paypal.com/us/business/accept-payments/checkout -
Marketplace / split payments Yes verified 2026-07-12
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
https://developer.paypal.com/docs/multiparty/checkout/multiseller-payments/ -
Built-in fraud & risk tools Yes verified 2026-07-12
Opt for Chargeback Protection and Fraud Protection Advanced to help reduce fraudulent costs and more.
https://www.paypal.com/us/business/accept-payments/checkout -
Dispute / chargeback management Yes verified 2026-07-12
PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer
https://www.paypal.com/us/security/seller-protection -
Developer API & SDKs Yes verified 2026-07-12
The JavaScript SDK displays PayPal-supported payment methods on your page to give your buyers a personalized and streamlined checkout experience.
https://developer.paypal.com/sdk/js/ -
Interchange++ / cost-plus pricing Yes verified 2026-07-12
Advanced Credit and Debit Card Payments (Interchange Plus Plus) Interchange Pass-through Costs + 0.49% + fixed fee (collectively “Interchange Plus Plus”)
https://www.paypal.com/us/business/paypal-business-fees -
Instant / fast payouts Yes verified 2026-07-12
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.
https://www.paypal.com/us/business/make-payments/enterprise-payouts