Best PayPal Alternatives For Freelance Payments

Last Updated:

Best PayPal Alternatives for Freelance Payments
We may receive compensation from the below providers if you purchase through the links provided. 
 Read more here

Freelancers are always on the lookout for payment gateways that can fulfill all of their needs. Easy and fast money transfers, widespread usability, and available currencies – these are all boxes a freelancer payment platform needs to check in order to be considered a good one. 

So far, PayPal has reigned supreme in the freelance world for so long, but users often find that its limited country coverage and high fees are making them search for alternatives. Luckily, there are plenty of PayPal alternatives for freelancers, but it’s important to choose carefully. 

If you are looking to change to a different payment gateway, we’ve covered the 6 best payment platforms for freelancers, so be sure to keep reading. 

Why do Freelancers turn to PayPal Alternatives?

PayPal is one of the best and easiest platforms for receiving payments for freelancers. However, it is not available in all countries, and freelancers tend to turn to other payment methods because of it.

Besides, the transaction charges can be higher, especially for non – PayPal payments. The platform can also sometimes block or suspend the account, even for some smaller issues.

That is why many freelancers use different payment methods that are less stressful and can maximize their monthly revenues without being bombarded with unreasonable conversion and exchange rates or heavy transaction fees.

Top PayPal Alternatives for Freelance Payments

Let’s look at some other PayPal alternatives for freelancers that they can use in their daily hustle.

1. Payoneer

Payoneer can be used as a freelancer payment platform for receiving and sending money worldwide and is available in most countries worldwide, including India and Pakistan.

This payment gateway for freelancers offers 150 currencies and is available in 200 countries, to be specific. The downside is that while transaction fees are lower than some other payment service providers, they are slightly higher than those of PayPal. Still, it’s one of the best alternatives on the market. 

The signup process is quite simple. What is even more convenient is that you can withdraw your payments using your Payonneer‘s debit card from ATMs worldwide. The yearly cost for the debit card is $29.95, and an account inactivity fee (also $29.95/year) if you don’t use your account for twelve consecutive months.  

Customer support is via video tutorials, blog articles and the big Payoneer community that is always ready to answer your questions. PayPal has a fixed fee of 2% on payroll payments.

While Payoneer doesn’t charge companies for payroll transfers but rather charges recipients a fixed fee of $3. Payoneer is used by some of the largest enterprises like Amazon, eBay, Rakuten, Adobe, Upwork, Airbnb and Google.

business freelance payments with ease

2. Stripe

Stripe offers similar services as PayPal; neither requires a contract, and you can cancel the subscription anytime you want. The main difference is that Stripe is more convenient for flexible companies that want to customize every online payment process, while PayPal is better for startups and small businesses because it is straightforward to set up.

Both companies are rated as one of the best 10 point to sale systems in 2022 as both provide terminals, and both charge $249 for the more basic option.

When it comes to fees for swipe and chip transactions, PayPal charges 2.29% plus 49 cents, while Stripe’s fee starts at 2.9% plus 9 cents per transaction.

On the other hand, when it comes to keyed transactions, Stripe’s fee remains the same, while with PayPal it’s higher, and it starts at 3.49% plus 9 cents. Stripe charges an extra 1% for international transactions, plus an additional 1% for currency conversion, while PayPal charges an extra 1.50%.

The main downside is that Stripe is available in only 20 countries, while PayPal is available in more than 200. The checkout process is self-hosted on the business’s owner’s site, and it doesn’t send customers to an external site such as PayPal.

3. Google Pay Send

Google Pay send is made by Google, where customers can pay and purchase on devices, including Android smartphones and even smart watches, through an application.

On the other hand, PayPal offers online transactions only through the internet and through their PayPal system, linked to the customer’s credit or debit card or bank account.

The main benefit of Google Pay Send is that it allows free debit transactions and doesn’t charge for this process, while PayPal charges 2.29% plus 49 cents as an additional fee.

Google Pay Send is one of the most affordable options and one of the best payment platforms for freelancers, but the costs have significantly increased since the release of their application Google Pay.

The fee for a money transfer is $0.31 or 1.5% of the actual process. The maximum transfer value is $5,000, and storage of up to $25,000 in the Google Pay account. Google Pay has also launched an e-wallet before PayPal and charges $0.3 less when compared to PayPal.

4. Square

Square is another popular payment processing and point of sale (POS) platform that is suited for freelancers, similar to PayPal. The difference is that PayPal is better for online payments and e-commerce, while Square is for mobile transactions and in-person transactions.

The platform doesn’t charge for basic plans, and there is a wide range of hardware from which you can choose, so it is also popular among small and mid-sized businesses.

Regarding fees, you are required to pay 2.6% plus 10 cents per transaction for card payments, and for keyed payments, there’s a fee of 3.5% plus 15 cents per transaction.

What is convenient about this service is that it offers many hardware options, such as Square Terminal, Square Register, Square Reader for magstripe, Square Stand for contactless and chip and Square Reader for contactless and chip.

Additional software can also be used for various retail functions and come at different costs depending on what you need and their features. It also has options for invoices and contactless payments.

The monthly fee starting price is 0%, but the lowest transaction fee is 2.5% + 10 cents, and the basic hardware is included. If you want to switch, Square is the right thing for you, as it doesn’t charge monthly fees.

shopping and freelance payments channels

5. Skrill

Skrill (formerly Moneybookers), besides PayPal, is one of the most known payment methods and works similarly as they are both e-wallets. As for PayPal with Skrill, you can also pay online, send and receive money, and you can even trade with cryptocurrencies.

Skrill can also be used for online gambling, and it is cheaper than PayPal. When paying for something online, the transaction fee for PayPal is a 4.50% service fee, while for Skrill, it has a 2.99% service fee.

The downside to Skrill is that it isn’t as safe as PayPal. Skrill can expose the financial information of the consumers directly to the merchants. Skrill offers MasterCard debit cards to all customers, while PayPal caters mostly to US customers.

Moreover, Skrill offers transactions in 40 currencies, while PayPal only in 20. The registration is also quicker, and you can get registered in a day for Skrill, but it will take 2 days for PayPal.

When it comes to verification, you have to withdraw a small amount from the account for Skrill, while the requirement for PayPal is to deposit a small amount. Customer support is much better with Skrill, while it is almost inactive with PayPal.

6. Wise

Wise, formerly known as TransferWise, is another great payment gateway for freelancers, offering many perks and benefits. As per their own advertisements, it’s said to be 3x cheaper than PayPal and 8x cheaper than banks.

They are available in 80 countries across the world and support 53 world currencies for payment and 9 currencies for receiving payment. When compared to PayPal, you don’t have a lot of choice for receiving currencies, but you can still choose between the most widely used ones. 

When it comes to fees, Wise praise themselves by having transparent and upfront fees. They always use the mid-market rate and charge a fixed fee of £0.2 and a variable fee of 0.41% for international and a fixed fee of £0.32 for same currency transfers.

If you want to calculate the total costs of money transfers, they have a comprehensive calculator on their website. If you are sending to or receiving money from another Wise account, all transactions are free of charge. 

Like other payment gateways, Wise also offers a card which you can use to pay almost everywhere where debit cards are accepted. The conversion to other currencies has a 0.35% fee.

You can also take money out of an ATM twice, up to £200 per month, with a fee of 0.5 GBP + 1.75% for sums over £200.

PayPal Alternatives For Freelance

Final thoughts

As a final thought, we can say that other payment alternatives like Square and Stripe are good alternatives for PayPal as they charge less, are quite easy to use and have great customer support. Payoneer is also great as it allows you to easily request money from clients and has a fixed transaction fee of $3. 

So, if you’re looking for alternatives for PayPal, hopefully these will be useful to you.


There are many payment methods that you can use and all of the payment platforms mentioned above are well – rounded and easy to set up and use. Their user’s interface is easy to navigate, and the customer support is 24/7 available. Some charge more on transactions but tend to be more secure.

Freelancers mostly use service platforms that are free to open an account such as Payoneer or PayPal, but they also accept credit cards as a form of payment.  As a freelancer, you can also use a check and there are no fees for depositing checks in a bank account.

Instead of PayPal, most people use other digital wallets as they are also Paysafe companies such as Skrill, Stripe, Square and others.

PayPal is one of the easiest payment methods used by millions of freelancers around the world. However, it is not available in all countries, and it has higher transaction fees than some other payment methods. It can also sometimes block your account for some small issues.

Due to its massive market presence, and regarded as one of the first online payment platforms, PayPal charges high fees. Moreover, PayPal charges a fee for every payment you receive, and for the commercial transactions charges fees ranging from 1.90% to 3.49% plus a fixed fee per transaction. But, for in-store consumers and for all online transactions, it is free, if there is no currency conversion included.

About the Author
Skip to

Related Articles

Freelance UX Design featured image

Freelance UX Design: Everything You Need to Know

Freelancer vs. Consultant featured image

Freelancer vs. Consultant: What’s the Difference?

How to Become a Freelance Graphic Designer: A Step-by-Step Guide

How to Invoice as a Freelancer: Tips and Best Practices

Will AI Replace Copywriters? AI Tools Guide

Working for a US Company Abroad featured image

Working for a US Company Abroad: What You Need to Know

How to Become a Freelance Writer featured image

How to Become a Freelance Writer: A Step-by-Step Guide

Equipments for Digital Nomads featured image

Essential Equipment for Digital Nomads: The Ultimate Remote Working Gear

Freelance vs. Contract featured image

Freelance vs. Contract: What’s the Difference and Mne is More Beneficial

Business Insurance for Freelancers featured image

Guide to Business Insurance for Freelancers

Freelancer Side Hustle featured image

How to Become a Freelancer Side Hustle Pro: Tips for Success

How to Become a Successful Freelance Digital Marketer Guide

Hybrid Remote Work featured image

Hybrid Remote Work: The Future of Work?

Why Remote Working Will Die featured image

Why Remote Work is Poised to Die

Working Remotely from Another State featured image

Working Remotely from Another State: Everything You Need to Know

Which Platform is Best for Freelancers -

Which Platform is Best for Freelancers?

Brand Yourself As Freelancer

How Do I Brand Myself as a Freelancer? Step-by-Step Guide

What is Freelance Video Editing

What is Freelance Video Editing & How to Earn From It

How Much Do Freelance Video Editors Make?

How Much Do Freelance Video Editors Make

How to brand yourself as a developer

5 Effective Tips on How to Brand Yourself as a Developer

How much do freelancers earn

How Much Money Can Be Made From Freelancing?

Freelancing vs Full-time Jobs

Freelancing Vs Full-Time Job – What to Choose?

How To Work On Fiverr

How To Work On Fiverr To Make Six Figure Income

Cybersecurity tips for Remote Workers

Ensure Cybersecurity When Working Remotely or From Home

How To Make Money On UpWork

How to Make Money on Upwork – Complete Guide

3 Core Advantages of Cloud Computing for Remote Workers

3 Major Advantages of Cloud Computing for Remote Workers

5 Reasons Why Digital Freelancing is the Future of Work

5 Reasons Why Digital Freelancing is the Future of Work

best project management tools featured image

Best Project Management Tools

Self-care strategies for Freelancers

5 Practical Self-Care Strategies for Freelancers

best keyword research tools featured image

Best Keyword Research Tools

Best SEO platforms

Best SEO Platforms in 2024

Best AI Content Tools for Freelancers

The Best AI Content Tools Listed for Freelancers in 2024

rising talent badge on UpWork

How to Get The Rising Talent Badge on Upwork?

How to Become a Freelance Photographer With No Experience featured image

How to Become a Freelance Photographer With No Experience

Living on the Move: Exploring the Nomadic Lifestyle featured image

Living on the Move: Exploring the Nomadic Lifestyle

How to Effectively List Freelance Work on LinkedIn featured image

How to Effectively List Freelance Work on LinkedIn

How to Be a Freelance Social Media Manager

How and Why to Write a Cover Letter for Remote Position

How to Become a Successful Freelance HR Consultant

Guide on How to Give Prompts and Talk to GPT-3

How To Use Jasper AI Recipes

Guide on How to Use Jasper Boss Mode

How to Use GPT-3 in OpenAI Playground

5 Ways You Can Showcase Your Freelance Services Online

Freelance Pricing 101: The Ultimate Guide on How to Price Yourself

Accounting 101: For Freelancers and Self-Employed

How to Negotiate as a Freelancer [3 Sample Email Templates Included]

Freelancing Red Flags

5 Most Common Client Red Flags in Freelancing

How to become successful in freelancing

How To Be Successful in Freelancing? 7 Highly Useful Tips

Easy Online Part-Time Jobs

10 Easy Online Part-Time Jobs to Enjoy Self-Earned Money

Freelancers Visa - Best Countries to Work as a Freelancer

Freelancer Visa: Best Countries to Work as A freelancer

Why Personal Branding for Freelancers Is Important

Why Is Personal Branding Important for Freelancers like You?

Best Freelance Jobs For College dropouts

The Best Freelance Jobs For College Students

Co Working Space vs Traditional Office

Coworking vs Traditional Office Spaces – Choose Perfect Option that Fits

History of CoWorking Spaces

History of Coworking Space: The Complete Timeline for New Startups

Concept of Hot Desking

Hot Desking: All You Need to Know

Canva Transparent Background Guide

How to Create a Transparent Background With Canva

How to become a content writer with no experience

How to Become a Freelance Writer with No Experience?

Images in Webflow

A Guide to Working With Images in Webflow – Webflow Images

Most Frequently Asked Questions About Canva

Canva: The Guide to Frequently Asked Questions

Tips for Better Mental Health for Remote Freelancers & Workers

How To Take Care Of Your Mental Health While Working Remotely

Can You Use Canva Pro Images for Commercial Use

Can You Use Canva Pro Images for Commercial Use? An Honest Guide

How to Use Duda for Website Building

How to Use Duda Website Builder

SemRush For Keyword Research

How to Use Semrush for Keyword Research

How To Write UpWork Proposal

How to Write an Upwork Proposal To Win High Paying Clients

How To Get Jobs On UpWork

How To Get Jobs On UpWork That Value Your Time And Worth?

Duda Alternatives

The 4 Best Duda Alternatives in 2022

reasons to use clickup

10 Reasons to Use ClickUp for Team Management

Webflow Alternatives

Webflow Alternatives: Business Site Options at Your Fingertips

Effective Tips to Promote Fiverr Gigs

How to Promote Fiverr Gigs & Services?

High Paying Freelancing Skills

9 High-Paying Freelancing Skills in 2021

Developer Tools for Productivity

10 Best Developer Tools To Increase Your Productivity In 2021

Tips to Manage Money as a Freelancer

How to Manage Your Money As a Freelancer

7 crucial things to know before you start freelancing

7 Crucial Things to Know Before You Start Freelancing

freelance skills that you can start learning today

Top 10 Freelance Skills You Can Start Learning Today

7 Ways to Discover Whether A Freelancing Career Is Right For You

7 Ways to Discover Whether A Freelancing Career Is Right For You?

10 Powerful Tips on How To Use LinkedIn To Earn Clients

10 Powerful Tips on How To Use LinkedIn To Earn Clients

Ahrefs Best Alternatives

Ahrefs Best Alternatives – Key Features & More

Manage Finance & Accounting of Your Remote Based Business

How to Manage Your Remote Based Business Finance & Accounting

Freelance vs Self Employed - What type of worker are you

Freelance vs Self-Employed – Which Type Of Worker Are You?

advices and tips to overcome remote work challenges

How to Overcome Remote Work Challenges – Actionable Tips

Pros and Cons of Freelancing to Consider

10 Pros and Cons of Freelancing to Consider

Becoming a Successful Remote Freelancer

How to Become a Successful Remote Freelancer?

productivity tips for working from home

8 Work from Home Productivity Tips

tips for becoming a great podcast guest

How to Be a Great Podcast Guest

Tips for Branding Yourself as SEO Freelancer

How Do I Brand Myself as SEO Freelancer

How to become a Podcast Guest

How to Become a Podcast Guest

How do freelancers pay tax

How to Pay Tax as a Freelancer? – Complete Guide

In Demand Freelancing Skills in 2021

Which Freelancing Skills Are In-Demand for 2021

How to become a Freelancer with No experience

How Can I Become a Freelancer with No Experience?

Can Freelancing be a Career -

Can Freelancing be a Career?

How to get a freelancing job without experience -

9 Tips to Get Freelancing Job Without Experience as a Beginner

BEST free design tools everything freelance

5 Best Free Design Tools You’ll Ever Need

Android Apps to Improve Your Company Management

4 Android Apps To Improve Your Company Management

How to get clients for a New Business

How to Get Clients for A New Business?

How to get ecommerce clients

How to Get E-commerce Clients

How to get a client to pay their bills

How to Get a Client to Pay their Bill

Types of Difficult Clients

Types of Difficult Clients and Effective Ways to Handle Them

Best Visual Collaboration Tools for Remote Work

Best Visual Collaboration Tools for Remote Work

Best Freelance Management Platforms

Best Freelance Management Platforms for 2021