Alternatives to paypal with less transfer fees

6 Best PayPal Alternatives That Charges Less Transfer Fees

PayPal is one of the best ways to send money today. With PayPal, you can send money to any part of the world for any transaction made online, so far the country you are sending to accepts Paypal as a payment option.

However, one of the bad sides to Paypal is the charges they deduct from each transaction you perform via the app (otherwise known as transfer fee). Although some people are not concerned about these charges. But in the real sense, they are something to put into consideration while balancing your account.

If you have been taking a good record of these charges, you might want to have a change of mind and try out other alternatives to send money online rather than using PayPal.

What are the Best Alternatives to Paypal that charges less for Transfer Fee?

Alternatives to paypal with less transfer fees

The best 6 Paypal alternatives that charge significantly very little than Paypal for a transfer fee are Stripes, Skrill, Google Pay, Dwolla, WePay, and 2CheckOut. 

All of them are at the same time very fast, secure, and easy to use in contrast to PayPal.

They all are available in many countries and in different languages. 

They all have easy to navigate user interface and are easy to interact with swift checkout pages.

Most importantly, they are very easy to integrate on different platforms and checkout pages of your online store.




Paypal charges as high as 3.55 – 4% transaction fee for each transaction made via the app. This is way too much even though the app is extremely easy and safe to use in terms of making transactions online. But since there are alternatives, there might be no need to stick to one way of making your transition. You can as well try out another method available online.

In this article, I will be taking you through my top 6 best Paypal alternatives to make transactions online with very low or no transfer fee at all.

These other alternatives are as well very secure and safe in contrast to PayPal itself. You can just try out one of these methods to see the one best for your business. Without much ado. Let us start the list.

If you are the kind of person who wants to sell digital products at the lowest or no charge rate, want good seller protection for digital goods, wants a faster turnaround for withdrawn funds which can take up to four business days to show up with a PayPal account and lastly, if you want a more handly customers success and good reviews from your clients for a good deal, then you might be interested in knowing these PayPal alternatives that possibly charges even less than PayPal for any transaction made.

Here they are:

Best PayPal Alternatives That Charges Less

1. Google Pay

Google pay is a Google powered digital wallet platform and online payment system styled as G Pay. It was formerly known as Android Pay or Google Tez

Google Pay enables users to make payments with Android phones, tablets, and even watches.

Even though Google Pay is collectively powered by Google, the brains behind it are Sujith Narayanan and Sumit Gwalani.

Sujith Narayanan and Sumit Gwalani the two Indian Nationalists launched Google pay on the 26th of May 2011.

It started initially as a Google wallet, and the name was then changed to Android Pay on the 11th of September 2015, then later was launched as Tez, and finally, metamorphosis to Google Pay on the 28th of August 2018.

Google pay allows you to pay in three different ways, in-app, in-store, and online. One good side to using google pay is that it allows you to pay for your purchase online as well as help you save your payment information online in the most secure way that allows you to remember it again for future use.

So if you are the type that forgets passwords easily, then Google Pay is the best choice for you. It helps you to auto-save your logins, card details, and passwords online. Mind you, your password is secured and is known only to your google service – meaning that only you can access it. So you don’t have to keep forgetting passwords and missed conversations.

Google pay also allows you to deliver custom mobile offers and recommendations to your customers. It allows them to give your business bother positive and negative reviews. Also, it allowed them to share loyalty and gift cards at the same time reducing the need for ticketing.

Google pay application is available both on Android as well as for iOS. You can as well use it to make purchases on your desktop.

It is easy to integrate into your eCommerce website if you run an online business with a simple Google Pay API.

What is Google Pay Transaction Charge?

No transfer Charge whatsoever. Google pay does not charge you for any transaction you make via the app. Customers can make any transaction on the app without having to pay any extra transaction fee or charge like on the PayPal app.

Also, Merchant does not have to pay any extra fee whenever customers use Google Pay to make a purchase online. It makes use of a virtual account number to represent the account information so you don’t have to worry about your credit or debit card number to make a payment.

2. 2CheckOut

2CheckOut is an American-based company, it was launched in 2006, but technically, it started earlier than before then.

The founders were originally part of the GECAD Group which developed RAV Antivirus (the technology purchased by Microsoft).

in August 2020, 2CheckOut  was acquired by Verifone due to their similitude in mission and vision.

Its major goal is to be the leading global provider of payment and e-commerce solutions. And amid the competition, they have been able to keep up with this vision.

To back this up, 2CheckOut have badged series of awards and nomination in different tech categories, some of which are, BlueBook Global 20, Best CPS Affiliate Network 2018, and Best CPS Affiliate Network, 2019, Best Payments Solution. Finalist – Billing & Subscription Management 2019, Best Subscription Billing Software. High Performer – Best E-Commerce Platforms and many among others

2CheckOut is one of the most commonly used payment options in the world. It offers a whole lot of various functions. In contrast to PayPal, it is available in about 15 different languages, has 87 currency options, and is well available for over 200 global markets, making it one of the most used options to make any payment online.

Added to the various positive reviews already gotten from the users, the platform is surely mobile-friendly and easy to navigate for newbies with an amazing fascinating, and responsive template for your business.

It also has a customizable payment solution that can be customized according to your payment requirement and also support multiple payment systems as said earlier.

Additionally, you will have access to over 300 fraud rules per every transaction, higher PCI compliance, and most importantly, it is extremely easy to integrate on your e-commerce or your website checkout page. It also has over 100+ online carts and extensive documentation.

One great review is their support system, 2CheckOut, and a very good support team that provide instant solution to any of your complaints.

What is The 2CheckOut Transfer Charge?

Sometimes you might have to choose quality over the money you want to use to buy it. Although 2CheckOut charges may vary, there are still some of their packages less than PayPal’s charge.

There are three plans, So the transfer fee depends on the plan you go for: for the 2SELL, the fee is about 3.5% + $0.35 per successful transaction, 2SUBSCRIBE, 4.5% + $0.45 per successful transaction, 2MONETIZE, 6.0% + $0.60 per successful transaction.

3. WePAY

WePay is an online payment platform developed by Rich Aberman and Bill Clerico in 2008 in Boston, Massachusetts with its headquarters now in Redwood City, California.

It is a child company to the parent company “JPMorgan Chase”.

WePay won an award for the Top Rated Company Leadership. Based on 339 ratings and 24 participants, employees at WePay are very satisfied with their work experience.

It is an easy-to-integrate payment platform that makes online transactions easy.

WePay is an online payment platform that is based in the United States.

It is otherwise regarded as the JPMorgan Chase company and it provides an online payment system primarily to SaaS and crowdfunding platforms. and it offers three different services; Link, Clear, and Core.

“Link” is a medium that merchants use to conduct transactions through Chase’s integrated payment service while at the same time earning fees that can be automatically deposited into Chase bank accounts.

Clear” is the WePay service is a white-label payment, a system that allows merchants to set their custom pricing. This service is a way of giving customers leverage on WePay’s technology to have their payment brand.

Core” is the payment platform that most big companies that do lots of transactions with the mind of full-fledged payment facilitators and hope to achieve economies of scale. It rides on Chase’s infrastructure for its payment processing and cash management.

It is predominately a web-based credit card processor that is built basically for online payment. It is not available in brick-and-mortar for payment, unlike PayPal.

How Much is WePay Transfer Charge?

Although WePay is not available in brick-and-mortar stores, the cost of sending invoices is free. The cost of accepting credit cards is relatively cheap at just 2.9% + 3$.

The cost of Automated Clearing House Payment (ACH payments) is just 1% + $0.30. Also, is free to set up and the is nothing like maintenance or monthly charge.

4. Skrill

Skrill is one of the Paysafe Group projects. Although Paysafe was not the original owner.

Skrill was originally founded in 2001 in the United Kingdom as Moneybookers, a digital wallet provider. By 2007 it had become established as one of the top three e-payment solution providers in Europe.

in 2015, it was then acquired by Paysafe Group alongside their former competitor Neteller and prepaid payment provider Paysafecard.

As of 2014, the skrill company was worth about $331 million in revenue.

Over the years, Skrill as a child company under Paysafe has won some notable awards like the Best Digital Wallet in 2019 by Juniper Research at their Future Digital Awards and many among others

Skrill is an online payment medium that operates in similitude to PayPal. It allows you to send money, receive funds, store cards, links bank accounts and make any online payment by using just your email address with a password.

Skrill is a reliable multi current account, an online, money transfer service, a prepaid debit card, or a payment gateway, a great choice for those looking for the best alternative payment to PayPal.

Skrill is available in over 200 countries and 40 different currencies. You have the choice to open both a personal account as well as the business account. You can as well decide to open both accounts.

One great thing about skrill is the ability to work with forex and online gambling accounts.

All it needs to get your account activated is your email address, just like Paypal. You can send money easily to an email address or phone number linked to the bank account.

You can as well use skrill to pay for your cryptocurrency and all related services.

You have access to a prepaid card and It is extremely user-friendly with a good user interface.

It accepts payment methods like Bank transfer, Fast bank transfer, Paysafecard, Trustly, rapid Transfer, Debit, or Credit card (Visa, MasterCard, Diners Club, UCB Card, and American Express).

How Much is Skrill Transfer Charge?

Although owning a Skrill account is free, Skrill has no fixed transfer fee whenever you send money directly into a bank account.

Skill’s international transfers make up about 4.99% per transaction.

For international money transfer using a debit card, bank transfer, or Sofort/Klarna the charge is free.

For international transfer rate, whenever you use a credit card, you might pay as high as 2.99%+

For international transfers in the same send and receive currency, the change is about 4.99%+

For the domestic transfer rate, the charge is about 2% upward.

To send money from one skrill user to another skrill user, you will be charged a 2.99% transfer fee.

5. Dwolla

Dwolla is a digital payment platform founded in 2015 by Ben Milne and has its headquarters in Des Moines, Iowa, United States.

The FinTech was nominated as a finalist for the 2019 2019 NACHA Excellence in Payments Award and for three 2019 TAI Prometheus Awards including Technology Company of the Year, which is just one out of its series of awards to date.

It is one of the most used money transfer mediums by Americans.

It prides itself on being one of the most user-friendly and easy-to-integrate applications for your desired purpose.

It has a white label API – Which means that your customers will have a level playing ground to interact with the interface with trust.  Their identity is verified without any third-party site involvement with ease-ability to add a bank account.

How Much is Dwolla Transfer Charge?

For each successful payment that you receive via Dwolla, you will be charged a fee of 0.5% transaction amount with a minimum fee of $0.01 and a maximum of 5% transaction fee.

Although the traction fee varies by plan: for pay-as-you-go, the transaction fee is about 0.5%, for Launch, $250/month, for scale, %1,000/month, and for Custom, %2,000 per month.

This could be the best alternative that charged less than PayPal

6. Stripe

Stripe is a billion-dollar worth company owned by Patrick Collison. An Irish techie. He founded the company as a startup alongside his brother John Collison in 2009 and has over the years grown bigger. The young lad won the 4th Young Scientist and Technology Exhibition in2995 at the age of 16.

Now the company is worth about $95 billion according to Backlinko, Business insider, Crunchbase, and Bloomberg.

Stripe has won lots of awards as an online payment solution provider. Notable among these awards was in 2016, the company won two awards,  Top 5% Rated CEO and Top 5% Rated Team  Based on 684 ratings and 96 participants, employees at Stripe are very satisfied with their work experience and in 2017, won the Top-rated Company in San Fransisco, while in 2021.

Stripe is one of the best payment alternatives to Paypal which has a very low transfer fee.

It is very easy to integrate it on your site if you run an online store. with a very good user-friendly interface to navigate for easy payment and checkout.

It is a “Developer First” company that believes payment is a problem rooted in code and not finance.

It is a payment processor or gateway that allows customers to safely and efficiently transfer funds from their credit card or bank account.

Stripes have such amazing API that you can set up easily even without being a serious programmer.

It is available in over 48 different countries all over the world and supports about 25 languages.

How Much is Stripes Transfer Charge?

In contrast with PayPal, stripe’s transfer fee is considerably cheaper. For each successful card transaction made using stripes, it deducts 2.9% plus $0.3 for an online transaction to accept card payments online.

It charges about 2.7% plus $5 CAP on ACH debit (Automated Clearing House)- meaning, in-person payment with Strips.

Stripes do not charge you any monthly fees or annual fees. The only cost you might incur using stripes is the transaction fee, otherwise known as Credit Card processing fees. This could be your best choice over PayPal.

Frequently Asked Questions

Here are answers to the frequently asked question on the best alternative to Paypal that charges a less transfer fee.

To be updated soon…


Without a doubt, PayPal is one of the best digital payment platforms that has made online transactions extremely easy and safe. But one of the notable downs to this amazing application is its transfer charges.

Since not all customers can keep up with this transfer fee, then it is better to try out some of the other options that we have listed in this article like Stripes, Skrill, Google Pay, Dwolla, WePay, and 2CheckOut, these are the best alternatives to Paypal that charges very little for any transfer you make.

We hope his article helps you to make a better decision on the exact one to choose. Thank you for reading.


Leave a Comment

Scroll to Top