PayPal is the easiest way to send and receive money online, but it is not available, or is limited, in many countries. Even where it works, fees, account holds, and currency conversion costs can hurt.
If you are a blogger, affiliate marketer, or freelancer, here are the best PayPal alternatives for getting paid and paying for tools.
| Service | Best for | Highlights |
|---|---|---|
| Payoneer | Affiliate and freelance payouts | Receiving accounts in USD, EUR, GBP and more, card, local bank withdrawal |
| Wise | Low-cost international transfers | Mid-market exchange rate, multi-currency account |
| Skrill | Sending money to other users | Digital wallet, card, used by some marketplaces |
| Stripe | Selling products and services | Accept cards on your site, many integrations |
| 2Checkout (Verifone) | Selling globally | Accepts many payment methods worldwide |
1. Payoneer
Payoneer is the best PayPal alternative for bloggers and affiliate marketers. It gives you receiving account details in currencies like USD, EUR, and GBP, so companies can pay you as if you had a local bank account. You can then withdraw to your own bank or spend with the Payoneer card.
- Get paid by affiliate networks and marketplaces that support Payoneer.
- Get paid by freelance platforms like Upwork and Fiverr.
- Request payments from your own clients.
- Pay for hosting, domains, and tools with the Payoneer card.
See affiliate programs that pay through Payoneer and how to get a Payoneer account and card.
2. Wise
Wise (formerly TransferWise) is great for moving money between countries cheaply. It uses the real exchange rate with a small, clear fee. A Wise account lets you hold and receive money in multiple currencies, which is handy for clients who pay by bank transfer. Availability of receiving details depends on your country.
3. Skrill
Skrill is a digital wallet for sending and receiving money between users. Some freelance sites, marketplaces, and online services accept or pay out through Skrill, and you can use its card to spend your balance.
4. Stripe
If you sell ebooks, courses, or services on your blog, Stripe lets you accept card payments directly on your site. It works with WooCommerce, WordPress plugins, and most course and membership tools. Stripe is only available to businesses in supported countries, so check the list first.
5. 2Checkout (Verifone)
2Checkout, now part of Verifone, lets you accept payments from buyers around the world using cards and other local payment methods. It works with WooCommerce and many shopping carts, and is a good option if Stripe is not available in your country.
Which Should You Choose?
- Getting paid by affiliate programs or freelance sites: Payoneer.
- Sending or receiving bank transfers across countries: Wise.
- Selling your own products on your blog: Stripe, or 2Checkout if Stripe is not available to you.
- Paying or getting paid by other wallet users: Skrill.
Note: Payza and Selz, which appeared in older versions of this list, have shut down. Avoid any site still asking you to sign up for them.
Still using PayPal? Learn how to request money and send invoices with PayPal.
Frequently Asked Questions
What is the best PayPal alternative for affiliate marketers?
Payoneer, because many affiliate networks and marketplaces support it, and it gives you receiving accounts in major currencies.
Which PayPal alternative works in countries where PayPal is not available?
Payoneer and Skrill support a wide range of countries. Check each service’s supported country list before signing up.
Can I accept payments on my blog without PayPal?
Yes. Use Stripe or 2Checkout to accept card payments on your site through WooCommerce or a payment plugin.
Is Wise cheaper than PayPal for international transfers?
Usually yes, because Wise uses the real exchange rate and shows its fee upfront, while PayPal adds a currency conversion markup.
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