Top Payoneer Alternatives for Digital Payments

A PayPal account is always free. However, a business may want to look into the $30/month plan for more robust features.

• P2P
• Payment gateway
• Fully customized online checkouts

• Not all online shops are integrated
• Long delays in receiving some funds
• Hard to contact customer service

The standard processing fee is 2.6% + 10 cents for contactless, swiped, chip cards, and magstripe. Manual key-in payments are 3.5% + 15 cents. Invoices cost 2.9% + 30¢ or 3.5% + 15 cents if processed using a card on file.

• Free hardware with a large selection of tools
• Never any monthly fees
• Detailed reporting and filters for analysis 

• Processing fees have been rising year over year
• Can’t easily switch accounts between locations
• Instant deposit fee is rather high

Wise claims its business solution costs 19 times less than PayPal and 6 times less than traditional banks. Business customers pay $31 to set up a bank account, and there is a $4.14 fee for USD wire transfers. However, receiving non-wire payments is free. Sending money comes with a fee that starts at 0.41%, depending on the currency. See here for additional Wise pricing.

• Connects to Stripe and Amazon to make withdrawals
• Bulk payments are available
• Customers can hold funds in multiple currencies

• Not a bank, so cash deposits are unavailable
• Some clients report poor customer service and frequent technical difficulties

When you use a debit card to make a purchase in a store or through a service, there are no additional fees. There is a 2.9% fee for credit card payments. Also, for each money transfer you initiate, there is a charge of 31 cents or 1.5% of the total transaction (whichever is greater).

• Easy integration with Google Assistant
• A digital wallet means no need for a physical card
• Contactless payment with data collection

• Not accepted everywhere
• Data is easily hacked when the device is lost
• Transferring funds to the bank can be a timely process

Tipalti pricing is broken down into two affordable packages that are designed to grow with your business: Tipalti Express and Tipalti Pro. Express is the less expensive and trimmed-down solution for teams that need straightforward payment capabilities.

The Pro version includes all of Tipalti’s best features, including options such as W-8 tax forms, international tax IDs, and multi-entity payables. The pricing for Pro and Express will vary depending on your business needs, processing requirements, and the number of users.

• 360-degree view of the AP process
• Intuitive and user-friendly dashboards
• Automates financial processes to streamline operations and saves time by 80%
• Self-service supplier onboarding and tax compliance validation
• Global mass payments effectiveness and fraudulent payment risk reduction
• Reduces payment error rates by scrubbing payment data against 26,000 rules

• Some issues syncing certain integrations
• Reporting tools can have a steep learning curve
• Cannot change data once an invoice is processed

Users can load a Skrill account via ACH transfer. It’s always free. Any type of withdrawal costs $5.50. When you send money internationally by debit card, Paysafecash, or ACH, there are no fees. However, making a transfer by credit card comes with a 2.99% fee. If you don’t use the account, you get charged too — there’s a monthly inactivity fee of $5.00.

• Omnichannel payment processing (ACH, e-commerce, mobile)
• Both pre-built and custom reports and dashboards
• Access to select data, objects, and features

• Customers are not always notified during maintenance mode
• User support can be inundated with queries
• Phone application can be limited in features

Remitly fees depend on transfer speed, the amount of money you’re sending, and the country of the recipient. If you select Economy, the fees are lower, and delivery is in 3-5 business days. Express has higher fees, which may also increase if you’re sending more money, and delivery typically takes a few minutes.

• Highly-competitive transfer rates
• Fast and safe currency conversion
• Easy-to-use customer interface

• There can be limits on money transfers
• Transactions can take up to 15 minutes to complete
• Cash pickup is not available in all countries

For all payment options, Klarna charges 30 cents for each transaction plus a variable rate of either 3.29% or 5.99%. If you sign up for the Instant Shopping feature, Klarna charges $30 per month, in addition to a 30-cent transaction fee, and fees at variable rates of up to 3.29% (onsite sales) and 3.79% (offsite sales). The Klarna card has a monthly fee of $4.99.

• Straightforward fee structure
• Exceptional customer service
• Split or pay later for orders

• Limited countries covered
• Short payment plan (6 weeks to make 4 payments)
• More costly than other platforms

Developed for the unique needs of a service-based business, PaySimple’s pricing plan is straightforward. Credit card processing is 2.49% + 32 cents per transaction; in addition to monthly fees. ACH and check processing cost 69 cents plus 0.25%.

• Personalized customer service experience
• A quick and easy approval process
• Unified dashboard for at-a-glance management

• The company still has room to grow and kinks to work out
• Cannot send ACH payments to vendors

Bolt designs custom quotes for each business, so pricing is not easy to find. They consider several factors when determining cost, like:

• Risk of fraud
• Sales volume
• Type of business

• Extremely responsive customer service team
• Lightning-fast checkout to increase conversion rates
• Fast cart load times for mobile customers

• The fee per order can get expensive
• The setup and integration can be challenging
• The UI isn’t granular with regard to transaction history

Apple Pay is free for Apple users on a limited basis. To obtain current pricing for larger ventures, you must contact Apple. Small businesses report online that the platform is 36% less expensive than average payment gateway products.

• Simple to use and set up
• Compatible with all major banks and credit unions
• High-level measures of security

• Only for devices newer than iPhone 6
• Not universally accepted
• Transactions can glitch in the Wallet app

Rates start from a 2.4% + 2-cent fixed fee. Since there are over 300 methods for online processing, your price will vary. Additional fees may apply depending on the industry, risk, and volume of the merchant. Chargeback fees start at $20 and refund fees start at 50 cents.

• Fast withdrawals (1-2 business days for funds)
• Top-of-the-line customer support through Skype
• Good platform for high-risk industries

• The risk team can be overzealous and close accounts
• Issues with plugin integration
• Transactions have been blocked by the payer’s bank

NETELLER offers a wide variety of integrations for funding your account, so the fees vary depending on the third party. The average processing cost across the board is 2.5% per transaction. Additional fees include:

• Bank Transfer: $10
• Mastercard: 0 – 7.5%
• Member Wire: $12.75
• Money Transfer: 2.99% + 50 cents
• Skrill: 3.49%
• Visa: 0 – 7.5%

• Withdraw from any ATM in several countries
• Opt-in for a Net+ prepaid or virtual card
• Serves as a virtual wallet with top security

• Hard to find a checkout option with online shopping
• Can have hidden fees depending on the third-party
• Minimum limit on transfers

Hyperwallet operates and provides services through local affiliates. This means the pricing is never transparent. You must contact the third-party processor to get an idea of the exact cost.

• Easy to use for all levels of experience
• Hyperwallet is a PayPal service
• Full-stack payout capabilities

• UX for the backend is somewhat outdated
• The sales and setup process can be timely
• Pricier than other solutions

The pricing scheme for Thryv is not published on their site. Similar services will run you around $10 to $20 a month for apps with straightforward and basic functionalities. Thryv offers a few flexible plans to their customers, and the basic cost of a license starts at $59 per month.

• Super simple integration in a snap
• Upload and update data in minutes
• Centralizes all business hubs into a single dashboard

• There is a learning curve
• Software can be limiting in some areas
• Can’t ship directly from Thryv when an invoice is fulfilled

The cost will vary depending on the currency and speed of the transfer. The exchange rate will affect what you pay, but Paysera offers competitive rates, usually within a 1% margin. Additionally, any incoming payments to your account via the TARGET2 system are applied with a 3.00 EUR fee.

• A contactless debit card linked to your account
• Separate account for savings with a split bill feature
• No fee to transfer money between Paysera accounts

• The verification process can be complicated
• The card is only issued for EEA (Europe)
• There is a daily ATM withdrawal limit

The monthly gateway cost for Authorize.net is $25. The processing cost is 2.9% + 30 cents per transaction.

• Search payments using multiple options
• High-functioning and secure system
• User-friendly interface

• Payments can only be accessed for a limited amount of time
• The design layout not as inviting as other platforms
• Transaction limit increase can be challenging

For each payment sent through Dwolla, you’ll be charged a fee of .5% of the transaction amount. The minimum fee is .01 cents, and the maximum is $5. API access starts at $500/month with pricing plans for both Base and Scale.

• Attentive and knowledgeable customer support
• Real-time analytics right on the dashboard
• 3rd-party integrations with bonuses

• API can be confusing and over-designed
• Poor Java support
• Inability to support checks as a form of payment

Pricing for BlueSnap includes 2.9%+ 30 cents per successful transaction. There are no setup or account maintenance fees, although cross-border fees may apply depending on where you send/receive the payment.

• Integrations to over 100 platforms and shopping carts
• System has a built-in fraud stack
• Robust reporting features with deep analytics

• Not all integrations are seamless
• Transaction reporting can have a steep learning curve
• Required minimum balance for refunds

The WorldFirst pricing structure is as follows:

• Account opening fees: £0
• Annual subscription fees: £0
• Incoming payment fee: £0
• Holding fee on deposits: 0%
• FX transaction fees: Up to 0.75%*
• Payment fee: £1.50 – £15 (depends on payment type)

• E-commerce businesses can collect payments in multiple currencies in one account
• Same-day payments are available for USD, EUR, and GBP

• Not available in the U.S.
• Some customer reviews indicate high fees and slow transfers

Stripe’s integrated solution includes a 2.9% + 30-cent fee, +0.5% for manually entered cards, +1.5% for international cards, or +1% if currency conversion is required. Businesses can also opt for a customized solution with different pricing, depending on their needs. Here’s more on Stripe pricing.

• Supports one-time and recurring payments
• No monthly fees
• Includes an Instant Payouts feature (for an additional fee)

• Some clients report excessive surcharge fees
• Does not support high-risk industries
• You might need to hire a software developer to integrate their solution

Adyen has a 10-cent transaction processing fee in addition to a separate fee that depends on the payment method. There are no setup or monthly fees. The pricing can also vary depending on your type of transaction and country. Here’s more on Adyen pricing.

• No closure, integration, setup, or monthly fees
• You can gather payment data from different sales channels
• Flexibility when it comes to integration

• Some clients report difficulties in integrating credit card payments
• Might not be the ideal solution for smaller businesses

2Checkout has 3 plans: 2Sell, 2Subscribe, and 2Monetize. 2Sell costs 3.5% + 35 cents per transaction, 2Subscribe, has a fee of 4.5% + 45 cents per successful transaction, and 2Monetize has a fee of %6 + 60 cents per transaction. Custom 2Checkout pricing models are also available.

• Integrates with Shopify, Wix, and more than 120 other carts
• Supports subscriptions
• PCI Level 1 certification for advanced cybersecurity

• Trustpilot reviews indicate the support team is slow
• Does not support in-store payment processing
• Some clients report that the cart design isn’t modern

Zen offers two account types. One is a payment gateway with a banking account (25€ per month), and the other is a business banking account (from 10€ to 500€ per month). Additional transaction fees also apply. Here’s more on the Zen pricing plans.

• Comes with a plugin for easy integration
• Instant payouts are available
• Supports 20 payment methods

• Not available to businesses registered in the U.S.
• Customer support can be slow