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7 PayPal Alternatives for Freelancers to Collect Payments in WordPress

Are you looking for PayPal alternatives for freelancers to collect payments in WordPress? PayPal is one of the easiest platforms to collect payments on your website. However, it is not available in all countries and not all of your clients may want to use it. In this article, we will share some of the best PayPal alternatives for freelancers to collect payments in WordPress.

Best PayPal Alternatives for Freelancers to collect payments in WordPress

Why Look for PayPal Alternatives to Accept Online Payments

PayPal has made online transactions fast and hassle free. Allowing WordPress site owners to make money online by selling products and services.

However, there are certain issues with PayPal which leads to many searching for PayPal alternatives.

For example, there are a number of developing countries where PayPal does not work. PayPal transaction charges are also on the higher side and can significantly build up over time.

Perhaps the biggest reason why people are searching for PayPal alternatives is its uncertain behavior. Many PayPal accounts have been blocked or suspended for small issues, which has caused major losses for a number of PayPal users.

That being said, here are 7 payment services that you can use as PayPal alternatives on your WordPress site.

1. Stripe

Stripe

Stripe has quickly become the most popular PayPal alternative and one of the most popular payment gateways. Unfortunately, it is only available in select few countries.

The best part about using Stripe is lower fees, ease of use, and seamless integration into popular WordPress eCommerce platforms like WooCommerce and Shopify.

If you don’t want to setup a complete online store, then you can create a simple form with WPForms to collect payments via Stripe from your clients.

Stripe fees vary depending on which country you are in. For the United States, they have a fixed 2.9% + 30¢ fees for any successful credit card charge.

2. Transferwise

TransferWise

Transferwise allows your clients to pay you directly in your local currency. Your clients will be charged for the payment, and it will be sent to your bank account as a local transfer.

It is available in many countries and currencies. Transferwise fees vary depending on the location of both sender and receiver. However, we have found it to be often way lower than other payment services or a direct wire transfer. They also use the same exchange rate that you see on Google or XE, which also saves you additional money in currency exchange.

One downside is that Transferwise doesn’t allow business payments to be sent in some countries. Make sure to check the country page before requesting your clients to send you money for pricing and business payment status.

3. Bitcoin

Bitcoin

Cryptocurrencies are all the rage these days. Bitcoin is one of the first and the most well-known cryptocurrency in the world. Bitcoin also allows users to send and receive money across borders without the need for an intermediary such as a bank or a money transfer operator who takes a cut out of the transaction.

If your client is familiar with Bitcoin, then they can easily transfer money to your Bitcoin wallet. You can then convert this amount into local currency through a Bitcoin exchange, use the amount online, or transfer it to any other payment service.

Coinbase, a bitcoin trading platform, allows businesses to accept bitcoin payments. It is already being used by top companies like Expedia, Dell, Intuit, Wikimedia Foundation, and more.

4. Payoneer

Payoneer

Payoneer is a reliable name in the online payments industry. It is available in many countries around the world. There are currently no integrations available to connect it directly to your eCommerce or membership website. However, you can request clients to send payments via Payoneer.

Payoneer also makes it quite convenient to withdraw payments into your local bank account or use Payoneer branded debit card to withdraw payments from ATMs anywhere in the world. The downside is that their fees are higher compared to Stripe or PayPal, but lower than some other payment service providers.

For accepting credit card payments directly from clients, you will be charged 3% of the transaction amount. Additionally you will be charged $1.50 for local bank transfer in the same currency. If you are withdrawing amount in another currency account, then you will pay an additional 2% of the transaction amount.

5. QuickBooks

QuickBooks

QuickBooks is one of the best accounting software for freelancers and professionals. It allows you to easily send invoices to your clients and accept payments directly into your bank account.

Your clients can click on the pay button anytime and make payment using their credit card. QuickBooks is an accounting software so you can connect it to your credit cards, bank account, and PayPal to capture all your transactions.

QuickBooks payments is a pay as you go solution. Fees for an invoiced payment is 2.9% + 25¢ on each transaction. If you charge more than $7,500 a month, then you can contact them for a discounted rate.

6. 2Checkout

2Checkout

2Checkout is a one of the most known payment gateways and a good PayPal alternative. All popular eCommerce plugins for WordPress have addons to integrate 2Checkout as your payment gateway. You can also add it to your online store and start selling products to countries where Stripe or PayPal are not supported.

2Checkout offers different payment withdraw methods, and you can even integrate your Payoneer debit card to withdraw payments. Other notable features include recurring payments, hosted checkout experience, multiple currencies and languages support.

2Checkout charges differ depending on which country you are located in. For the United States, you will be charged 2.9% of the transaction amount + 30¢ on each transaction.

7. Google Wallet

Google Wallet

Google Wallet is another excellent option to replace PayPal for your payments. It is currently only available in the United States and the United Kingdom, and you cannot send payments from the US to UK. It doesn’t have an out of box integration available for any WordPress ecommerce platform.

Like many other Google tools and services, it does not charge any fees for sending or receiving money. This makes it a great option for freelancers who want to request client payments through Google Wallet.

We hope this article helped you find the best PayPal alternatives to collect payments in WordPress. You may also want to see our ultimate step by step WordPress security guide for beginners.

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Reader Interactions

56 CommentsLeave a Reply

    • Unless we hear otherwise it does not have a country limitation but you would want to check with Quickbooks for their most up to date information on any limitations

      Admin

  1. Is there any plugin for transferwise like paypal,stripe etc, i mean how to provide an easy way for customer to pay for products in online store with transferwise.

    • payoneere dont use payment gateway via plugin. you have to send payment notification via email to your customer, i use it as well. once i spoke with them and asked them about a plugin but they told me that is not in there plans . but maybe in the future.

  2. SEO has never really had a proper home, because its technical it is best suited for people who have learnt
    the industry and have experience, this can be quite rare with SEO’ers though
    Posted this to Twitter, very useful

  3. The prob i face with payoneer is they don’t provide the pay now button in invoice for Indians

  4. This might be a bit way around, but I am considering an option to use WooCommerce plugin for wordpress. And then to choose between other payment processing providers, like Stripe or cardinity. Do you think it could work for collecting payments in WordPress or straight forward plugin charges less for the payments?

  5. hi..what mode of online payment is better for me?as iam gonna do online job for the first time and pls intimate me which one is most trusted and charges less.iam frm Mumbai..Thx

  6. After two years of using Payoneer, and having regular, decent transactions, Payoneer blocked my account two months ago, without any explanation or given reason. Every attempt I’ve made to figure out what has happened, on live chat, ended unsuccessfully, with an explanation that they will contact me by mail. In 2 months I didn’t get any e-mails from them, and I’ve contacted them on live chat about 10 times. The last time I’ve contacted them, they disconnected me before I even got a chance to ask them what is happening. I still have 200$ on my account, which I cannot withdraw. It could have even been more.
    I want to use this opportunity to warn all the people in the world to stay away from Payoneer, and all of those using it currently, to stop, because they can, apparently, block your card without any reason, or explanation, just like they did to me!!!

    • Sounds like what Paypal did to me.
      The more they grow, the less they care about their customers.
      Eventually I’ll just have to give my account number to my customers so they can send me the money directly

      • Exactly what PayPal did to me! I would recommend all serious online merchants to stay away from Free Payment gateways such as Paypal and Payoneer

    • Payoneer only blocks an Account where there is suspicious transaction. You could go to your page an unblock it. They are not like PayPal at any level. They only do what they are doing to protect your Account from being tampered with illegally.

    • hello
      i am using payoneere a long time. never had a problem. but, the last view times when i send email notification for payment, they always asking me if this a business or private payment. maybe they want to make clear to registry business into business account. just a thought from me!

  7. Good read, thanks. Paypal is a great payment method for freelancers. For many reasons you may need a different payment option other than PayPal. Payoneer can be a good alternative to PayPal to receive funds from freelancing marketplaces. I enjoyed Moneybookers in 2011, but (now) Skrill has changed their policy so people from our country are facing difficulty with this. If I were to choose top 3 payment methods for freelancers, I would select PayPal, Payoneer and Skrill. You may read my post about it:

  8. Hello. I have a payoneer account wi a virtual us bank account. I wonder if I can use stripe with it. Since I’m located in Argentina I wonder if my stripe account will allow the transfers. Thanks for the help.

  9. I have been using Selz until now that they stopped accepting credit cards for stores outside US and forced me to use PayPal ($4.99/mo). It would be fine to pay that to keep the site up, but I didn’t like the way they are doing businesses in XXI (changing the rules as it is).

    • Can you receive payments from individual clients? For example, if a client wanted to deposit cash into your virtual bank account from the US, would you receive it on your Payoneer card?

      • You have to receive payments from Payoneer associates first then you can get payments from individuals.

  10. For Stripe, there is a nice hosted little payment form you can use. It connect to your Stripe account and you can send a payment link to your clients.

  11. Thanks for a great article! It is quite hard to find strong alternatives to PayPal. I’ve been looking around for some time already, and found really contraversial opinions. But I guess this is the problem when we talk about money :) I’ve been using Google Wallet for some time for my personal online payments, But when choosing the online payment tool for my small family business I did not want to jump from one big corporation to another. My advice would be to go into details of specific region and market you are selling, and get to know your customer. I am selling hand made jewelry to European markets mostly and what I’ve found is that my clients do not trust PayPal in general. i received many request of using the alternative payments which are popular there, like Skrill, Paysera or Payza. Apparently they are really popular and appreciated for the small benefits they provide. So, I would say there is no general rule, everybody is different and every specific business needs different online payment solutions.

  12. What would be the best payment gateway that accept debit-/ credit-cards for sites on servers in Europe. Selling worldwide online service. Just one product, one price.

    • On the contrary, I had a terrible experience with Gumroad. The service is only useful if you sell digital products (Freelancers that provide online services are not allowed), you don’t mind vague customer support or sketchy TOS, and you don’t mind waiting 14 days to receive payment. For those reasons, I definitely would NOT recommend Gumroad.

  13. Great Post. For my account with them, they only allow payments from advertising networks and established companies. Also their fees are beyond high, they are extortionate.

  14. Hello Jawad,

    That was a very comprehensive list. There is always nice to have more than one option. Thanks for sharing this with us!

  15. Is Payoneer a Payment Processor? Can you integrate that on your website and collect payments from clients?

    • no you cant, but this company promotes themselves as they offer that service, and websites like this, (sorry have to say that) just copy paste what payoneer says without further investigation on this.
      payoneer is not a payment processor you can’t integrate on your website, you can’t receive money for sale products or services. you only can receive direct load from certain countries, to only certain countries, to only certain list of allowed products /services (good luck trying to find that list), and if you manage at final to do all that, they can do with your money whatever they like, you have no rights to claim. staw away from payoneer , really. search google their user forum

  16. PayPal is one of the top mediator for sending and receiving money worldwide and their commissions and conversion rate is pretty bad since this is only the option to receive money for some countries due to some restrictions.

    The other ways Google wallet, payoneer seems good alternative.

    Thanks.

  17. I don’t like paypal beacuse it needs PAN card to register with them(maybe for indians) :/
    Payza is also a good alternative.

    • hi there,,,
      i have a wordpress website…
      and in this site, i need to setup payment with payza for membership..
      do you have any idea how can i do that..?

  18. Hey btw ……Google Wallet cant be used in India.. if it was possible it would be awesome

  19. Payoneer sucks if you are not in the US. They are extremely strict about how you add funds and the idea that ‘anyone’ can credit your account is plain wrong.

    For my account with them, they only allow payments from advertising networks and established companies. Also their fees are beyond high, they are extortionate.

    I cannot say how bad they are (outside the US)… maybe they are better in the US, but i doubt it.

  20. Stunning Article about Payment Gateway…. This is the best post i came about the Alternative of payment for wordpress… I go with Stripe & Selz best for my website beside Paypal

    Also please Do Correct the Spell on Payoneer’s “MaterCard”.

    Thanks,
    ZaFr

  21. All are valid services, but I would like to find one that is FDIC insured. I was told PayPal was FDIC insured and then found out the answer is still questionable.

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