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Alternative payment accept system to Paypal

eCommerce is at all-time high with transactions of millions of dollars happening every day through various online shopping platforms. PayPal, being one of the oldest online payment provider, holds a major share in the online payment industry, and is the preferred payment mode for millions of people all around the world.

With time, PayPal has expanded its services and made online transactions fast and hassle free. However, there are certain problems with PayPal due to which many are looking for viable payment alternatives. For example, there are a number of developing countries where PayPal does not work. This becomes a problem for companies who regularly outsource work to freelancers in those countries. PayPal transaction charges are also on the higher side and can significantly build up over time. But perhaps the biggest reason why people are searching for PayPal alternatives is its uncertain behavior.

OnlinepaymentMany PayPal accounts have been blocked or suspended on small issues, which has caused major losses for a number of PayPal users. With this background, here some payment services that you can use as PayPal alternatives on your WordPress site.

In this article reviewed on online payment systems for accepting payments on the Web. While many of the companies on this list have been available to online merchants for years, many are also now getting into new areas of online payments such as social commerce and in-store online card reader systems.


Factors for Online Payment Systems

Before getting started, here are just a few things to know about online payment systems.

* ACH payments are electronic credit and debit transfers, allowing customers to make payments from their bank accounts for utilities, mortgage loans, and other types of bills. ACH stands for Automated Clearing House and most payment processors offer ACH payment options to their customers, especially for monthly- and subscription-based transactions. Most payment solutions use ACH to send money (minus fees) to their customers.

* A merchant account is a bank account that allows a customer to receive payments through credit or debit cards. Merchant providers are required to obey regulations established by card associations. Many processors (such as the ones listed below) act as both the merchant account as well as the payment gateway.

* A payment gateway allows merchants to securely pass credit card information between the customer and the merchant and also between merchant and the payment processor. The payment gateway is the middleman between the merchant and their sponsoring bank.

* A payment processor is the company that a merchant uses to handle credit card transactions. Payment processors implement anti-fraud measures to ensure that both the front-facing customer and the merchant are protected.

* PCI compliance is when a merchant or payment gateway sets their payment environment up in a way that meets the Payment Card Industry Data Security Standard (PCI DSS). The PCI DSS standard was created by the Payment Card Industry Security Standards Council to increase security of cardholder data and to reduce fraud.

Excellent online payment systems.

  1. Authorize.Net

Authorize.Net is the Internet’s most widely used payment gateway. With a user base of over 300,000 merchants, Authorize.Net has been the go-to method for e-commerce sites that need a gateway to accepting payments. Widely used e-commerce platforms such as Magento, Volusion and X-Cart are designed to accept payments using Authorize.Net easier.

  1. Google Wallet

Google Wallet is a digital payment service of Google that can be used to make online purchases with your smart phone. Primarily used by US bank account holders, Google Wallet can be used to make purchases in over 160 countries.

It does not charge any fee on account set up, bank transfers and receiving money. Google Wallet also doesn’t charge any processing costs for merchant accounts, however, you may be charged by the payment gateway used. You can also use Google Wallet for peer to peer transfers within the US.

  1. Dwolla

Dwolla is a direct competitor to PayPal. One of the newcomers in the third-party payments space, the company is processing over $1 million per day. Setting up Dwolla payments is similar to PayPal, although Dwolla doesn’t have the same name recognition as their competition.

  1. Amazon Payments

Amazon Payments allows its users to receive money using its API (and to send money out via ACH). Popular crowdfunding site Kickstarter uses Amazon Payments.

  1. Selz

Selz is an extremely user friendly online service that is ideal for bloggers, freelancer and anyone else looking to sell digital products or services on the internet.

* Selz does not require any prior contracts or merchant accounts and can be set up very easily in just a few minutes. For WordPress websites, you can integrate Selz using the Selz Ecommerce plugin. Alternatively, you can copy and paste a simple script to start using Selz on any site. It can also be used with Twitter, Pinterest, and as an online shop on Facebook using its online store app.

* Selz has a number of advantages over using the PayPal buy now button. Selz handles both the credit card payments and provides a number of powerful features that make selling digital downloads very quick and easy. Features like audio and video buyer previews, PDF stamping and automated file delivery on completion of a purchase, make Selz a multipurpose payment service.

* Another major advantage with Selz is the simple checkout process. Your buyer doesn’t need to leave your website, and the whole buying process takes place on the same webpage. Selz can accept buyer payments with MasterCard and Visa in more than 190 currencies. Selz doesn’t cost you anything upfront and charges 5% of your transaction amount plus 25 cents whenever a purchase is made through it.

  1. Braintree

Braintree is an online payment gateway and merchant account solution known for working with popular tech startups such as Airbnb and LivingSocial.

  1. WePay

WePay is a payment processor that allows Internet merchants to accept credit cards and bank account payments online. WePay seems to be focused on the individual user, and has recently added e-store pages to their service to help their customers conveniently take in payments (e.g. event tickets, products, donations and so forth) through their service.

  1. 2Checkout

2Checkout is another payment processor that combines a merchant account and payment gateway into one, allowing customers to receive credit card payments as well as PayPal payments. The company offers international payments, shopping cart stores as well as a recurring billing feature.

  1. Payoneer

* Payoneer is a global payment service that can be used in place of PayPal for sending and receiving payments internationally.

* With Payoneer, you can receive payments via PayPal, credit/debit card and bank accounts from all across the globe.

* A major advantage of Payoneer is its US payment service that comes particularly handy for sending and receiving payments in countries where PayPal and some other major US payment services are not available.

* As a Payoneer user, you can get your own virtual US bank account that can receive payments on your behalf from international clients. You can withdraw these payments with your Payoneer debit card from any MasterCard ATM in the world.

  1. Stripe

* Stripe is another service that can accept Payments from all across the globe. It currently supports businesses from US, Canada, UK, and Ireland.

* You can integrate Stripe APIs in your website to receive payments. It can process major international debit or credit cards, including Visa, MasterCard, American Express, Discover, Diners Club and JCB.

* Stripe is primarily built for developers and requires the users to have basic to intermediate knowledge of coding in order to configure it properly. However there are several Stripe plugins available for WordPress.

  1. E-Junkie

* E-Junkie is one of the oldest online payment platforms that can be integrated with PayPal, Google Checkout, 2CheckOut and many other payment services. Unlike most modern payment services, it does not charge you any set up or transaction fees and instead requires a flat monthly payment depending upon the number of products you’re selling and the storage that you need.

* Unlike Selz, e-junkie charges a flat fee plus you will incur the transaction fee for whichever payment platform you choose.

* E-Junkie can be integrated with your website or blog using its Buy Now and Check Out buttons that are connected with your own payment service at the backend.

* Buyers can make purchases using MasterCard, Visa, bank account or PayPal account. You can also integrate your Google Analytics account with E-Junkie to get detailed account statistics and buyer activity.


Each solution has its own advantages and can be used as a PayPal alternative. So which is the best solution for you. Well it comes down to what is important to you and a good fit for your needs, is it ease of implementation and use, cost, a simple buyer checkout, or specific features such as offering pay what you want or discount codes to targeted potential buyers.

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Md. Arafat Rahman

Md. Arafat Rahman

Technical Suppot Officer at INNSPUB
I like to explore the world, to learn and share new thinks.

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