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Best PayPal Alternatives

53 tools that can replace or complement PayPal

Pricing Comparison

Tool Free Plan Starting Price Rating
PayPal ✓ Yes Free / $0+ ★ 4.1
YNAB ✗ No $14.99+ ★ 4.6
Shopify ✗ No $39+ ★ 4.5
Gumroad ✓ Yes Free / $10+ ★ 4.3
Wix ✓ Yes Free / $17+ ★ 4.3
Squarespace ✗ No $16+ ★ 4.4
Stripe ✗ No $2.9+ ★ 4.7
Lemon Squeezy ✓ Yes Free / $0+ ★ 4.5
Paddle ✗ No $5+ ★ 4.3
BigCommerce ✗ No $39+ ★ 4.2
Teachable ✓ Yes Free / $59+ ★ 4.3
Thinkific ✓ Yes Free / $49+ ★ 4.4
Podia ✓ Yes Free / $9+ ★ 4.4
Kajabi ✗ No $69+ ★ 4.5
Mint ✓ Yes Free / $4.99+ ★ 4.2
Empower (Personal Capital) ✓ Yes Free / $0.89+ ★ 4.3
Robinhood ✓ Yes Free / $5+ ★ 4.1
Acorns ✗ No $3+ ★ 4.2
Wealthfront ✗ No $0.25+ ★ 4.4
Plaid ✓ Yes Free / $0+ ★ 4.2
Wise ✓ Yes Free / $0+ ★ 4.6
Drip ✗ No $39+ ★ 4.3
WooCommerce ✓ Yes Free / $0+ ★ 4.3
Adobe Commerce (Magento) ✓ Yes Free / $0+ ★ 4.1
PrestaShop ✓ Yes Free / $0+ ★ 4
Medusa ✓ Yes Free ★ 4.4
Saleor ✓ Yes Free / $300+ ★ 4.2
Venmo ✓ Yes Free / $1.75+ ★ 4.2
Actual Budget ✓ Yes Free / $0+ ★ 4.5
Ghostfolio ✓ Yes Free / $5.99+ ★ 4.3
Maybe Finance ✓ Yes Free / $0+ ★ 4.2
PocketGuard ✓ Yes Free / $7.99+ ★ 4.2
Goodbudget ✓ Yes Free / $10+ ★ 4.1
EveryDollar ✓ Yes Free / $17.99+ ★ 4.3
Polar ✓ Yes Free ★ 4.3
Fourthwall ✓ Yes Free ★ 4.4
Gorgias ✗ No $10+ ★ 4.5
Bandcamp ✓ Yes Free ★ 4.4
Empower Personal Dashboard ✓ Yes Free ★ 4.3
Copilot Money ✗ No $10.99+ ★ 4.6
Squarespace ✗ No $16+ ★ 4.4
Klaviyo ✓ Yes Free / $20+ ★ 4.5
Shopify ✗ No $39+ ★ 4.5
Amazon Advertising ✓ Yes Free ★ 4.2
Criteo ✗ No Contact sales ★ 4
Swell ✓ Yes Free / $299+ ★ 4.3
Ecwid by Lightspeed ✓ Yes Free / $19+ ★ 4.2
Sellfy ✗ No $29+ ★ 4.2
Monarch Money ✗ No $14.99+ ★ 4.7
Lunch Money ✗ No $10+ ★ 4.4
QuickBooks Online ✗ No $20+ ★ 4.2
Honeydue ✓ Yes Free ★ 3.8
Simplifi by Quicken ✗ No $71.88+ ★ 4.1
Tiller Money ✗ No $79+ ★ 4.3

All PayPal Alternatives

YNAB icon

YNAB

★★★★★ 4.6
$14.99+

You Need A Budget — proactive budgeting app based on the envelope method.

  • Powerful budgeting method
  • Bank sync
  • Goal tracking
  • No free plan
  • Learning curve
Shopify icon

Shopify

★★★★★ 4.5
$39+

Leading e-commerce platform for building online stores with payments, shipping, and marketing tools.

  • Complete e-commerce solution out of box
  • Massive app ecosystem (8000+ apps)
  • Handles hosting, security, and speed
  • Transaction fees unless using Shopify Payments
  • Monthly cost adds up with apps
Gumroad icon

Gumroad

★★★★☆ 4.3
Free / $10+

Simple platform for creators to sell digital products, courses, and memberships directly to their audience.

  • Zero upfront cost — pay only when you sell
  • Dead simple to set up
  • Built-in audience and email tools
  • 10% transaction fee on free plan
  • Limited storefront customization
Wix icon

Wix

★★★★☆ 4.3
Free / $17+

Drag-and-drop website builder with 900+ templates, e-commerce, and AI site generation.

  • Easiest website builder for beginners
  • 900+ designer-made templates
  • AI generates entire sites from prompts
  • Cannot switch templates after building
  • Sites can be slow to load
Squarespace icon

Squarespace

★★★★☆ 4.4
$16+

Premium website builder known for stunning design templates, built-in e-commerce, and brand-focused aesthetics.

  • Most beautiful templates in the industry
  • All-in-one (domain, email, analytics)
  • Great for portfolios and creative brands
  • Less flexible than Webflow or WordPress
  • No free tier (14-day trial only)
Stripe icon

Stripe

★★★★★ 4.7
$2.9+

Payment processing infrastructure for internet businesses with APIs for subscriptions, invoicing, and global payments.

  • Best-in-class developer documentation
  • Supports 135+ currencies and payment methods
  • Powerful subscription and billing management
  • 2.9% + 30c per transaction adds up
  • Account freezes can happen without warning
Lemon Squeezy icon

Lemon Squeezy

★★★★★ 4.5
Free / $0+

All-in-one payments platform for selling digital products and SaaS with built-in merchant of record handling global tax compliance.

  • Handles global sales tax and VAT automatically
  • Acts as merchant of record (no tax headaches)
  • Beautiful checkout with no code required
  • 5% + 50c per transaction is higher than Stripe
  • Fewer customization options than Stripe
Paddle icon

Paddle

★★★★☆ 4.3
$5+

Complete payments infrastructure for SaaS companies acting as merchant of record with subscription management and tax compliance.

  • Merchant of record handles all tax compliance globally
  • ProfitWell Metrics included for free
  • Retain reduces involuntary churn
  • 5% + 50c per transaction is expensive
  • Approval process can be slow
BigCommerce icon

BigCommerce

★★★★☆ 4.2
$39+

Enterprise-grade e-commerce platform with built-in B2B features, multi-channel selling, and no transaction fees.

  • No transaction fees on any plan
  • Built-in B2B/wholesale features
  • Multi-storefront from one dashboard
  • Annual revenue caps force plan upgrades
  • Theme customization requires code
Teachable icon

Teachable

★★★★☆ 4.3
Free / $59+

Online course platform for creators to build and sell courses, coaching, and digital downloads with no coding required.

  • Easy course builder with drag-and-drop
  • Built-in payment processing and affiliates
  • Custom domain and branding on all plans
  • Transaction fees on free and basic plans
  • Limited site customization options
Thinkific icon

Thinkific

★★★★☆ 4.4
Free / $49+

Platform for creating and selling online courses and membership sites with no transaction fees, designed for entrepreneurs and educators.

  • No transaction fees on any plan
  • Drag-and-drop course builder is intuitive
  • Supports communities and memberships
  • Limited marketing automation built-in
  • Free plan restricted to one course
Podia icon

Podia

★★★★☆ 4.4
Free / $9+

All-in-one platform for selling online courses, digital downloads, coaching, and memberships with built-in email marketing.

  • Clean and simple interface for beginners
  • No transaction fees on paid plans
  • Built-in email marketing and website builder
  • Limited customization for advanced users
  • Affiliate marketing only on higher plans
Kajabi icon

Kajabi

★★★★★ 4.5
$69+

Premium all-in-one platform for knowledge entrepreneurs to create, market, and sell online courses, memberships, podcasts, and coaching programs.

  • Complete business platform with no need for third-party tools
  • Powerful marketing automation and funnels
  • Beautiful customizable website themes
  • Expensive compared to alternatives
  • No free plan available
Mint icon

Mint

★★★★☆ 4.2
Free / $4.99+

Personal finance management app by Intuit that aggregates bank accounts, tracks spending, creates budgets, and monitors credit scores in one dashboard.

  • Free comprehensive budgeting and tracking
  • Automatic categorization of transactions
  • Credit score monitoring included
  • Ad-supported free tier with product recommendations
  • Occasional sync issues with some banks
Empower (Personal Capital) icon

Empower (Personal Capital)

★★★★☆ 4.3
Free / $0.89+

Financial planning and wealth management platform combining free budgeting and investment tracking tools with optional advisory services for high-net-worth individuals.

  • Excellent free investment tracking and net worth dashboard
  • Retirement planning calculator (Retirement Planner)
  • Fee analyzer identifies hidden investment fees
  • Wealth management requires $100K minimum
  • Sales calls after signing up for free tools
Robinhood icon

Robinhood

★★★★☆ 4.1
Free / $5+

Commission-free stock, ETF, options, and cryptocurrency trading platform with a mobile-first design aimed at making investing accessible to everyone.

  • Commission-free trading on stocks and ETFs
  • Intuitive and beginner-friendly mobile app
  • Fractional shares available starting at $1
  • Limited research and analysis tools
  • No mutual funds or bonds available
Acorns icon

Acorns

★★★★☆ 4.2
$3+

Micro-investing app that automatically rounds up everyday purchases and invests the spare change into diversified ETF portfolios, plus banking and retirement accounts.

  • Effortless investing through round-ups
  • Expert-built diversified portfolios
  • Retirement account (IRA) option included
  • Flat fee structure expensive for small balances
  • Limited control over individual investments
Wealthfront icon

Wealthfront

★★★★☆ 4.4
$0.25+

Automated investment management platform (robo-advisor) offering tax-loss harvesting, financial planning, and high-yield cash accounts with low advisory fees.

  • Industry-leading tax-loss harvesting
  • Low 0.25% advisory fee
  • High-yield cash account with FDIC insurance
  • No human financial advisors available
  • $500 minimum investment to start
Plaid icon

Plaid

★★★★☆ 4.2
Free / $0+

Financial data API platform connecting applications to bank accounts for account verification, transaction data, identity verification, and payment initiation.

  • Connects to 12,000+ financial institutions
  • Industry standard for fintech bank connections
  • Strong security with bank-level encryption
  • Per-connection pricing can be expensive at scale
  • Some banks have unreliable connections
Wise icon

Wise

★★★★★ 4.6
Free / $0+

International money transfer platform offering multi-currency accounts, debit cards, and business payment tools with transparent low-cost exchange rates.

  • Transparent fees with real mid-market exchange rates
  • Multi-currency account holds 40+ currencies
  • Debit card for spending abroad with no markups
  • Not a full bank (limited banking features)
  • Some currency routes slower than others
Drip icon

Drip

★★★★☆ 4.3
$39+

E-commerce marketing automation platform specializing in personalized email and SMS campaigns driven by customer purchase behavior and browsing data.

  • Deep e-commerce integrations (Shopify, WooCommerce)
  • Visual workflow builder with revenue attribution
  • Advanced segmentation based on purchase behavior
  • Expensive compared to general email tools
  • No free plan available
WooCommerce icon

WooCommerce

★★★★☆ 4.3
Free / $0+

Open-source e-commerce plugin for WordPress powering 25%+ of all online stores with unlimited customization, extensions, and full data ownership.

  • Free and open-source with full control over code
  • Massive extension marketplace (800+ official plugins)
  • Built on WordPress (familiar to millions)
  • Requires WordPress hosting and maintenance
  • Performance depends on hosting quality and plugins
Adobe Commerce (Magento) icon

Adobe Commerce (Magento)

★★★★☆ 4.1
Free / $0+

Enterprise-grade open-source e-commerce platform offering unmatched flexibility for large catalogs, multi-store setups, and B2B commerce.

  • Extremely powerful for complex e-commerce requirements
  • Multi-store, multi-currency, multi-language native support
  • Open-source community edition is free
  • Resource-intensive requiring significant hosting
  • Complex setup needing experienced developers
PrestaShop icon

PrestaShop

★★★★☆ 4
Free / $0+

Open-source e-commerce platform popular in Europe offering a ready-to-use online store with 600+ features and a thriving module marketplace.

  • Free open-source with no transaction fees
  • Strong European market presence and localization
  • 600+ built-in features out of the box
  • Performance issues with large catalogs
  • Essential modules often cost extra
Medusa icon

Medusa

★★★★☆ 4.4
Free

Open-source headless commerce platform for developers offering modular architecture, multi-region support, and full customization via Node.js and TypeScript.

  • Fully open-source and developer-friendly
  • Headless architecture for any frontend framework
  • Built-in multi-region and multi-currency support
  • Requires development resources to set up
  • Newer platform with smaller ecosystem
Saleor icon

Saleor

★★★★☆ 4.2
Free / $300+

GraphQL-first headless e-commerce platform built with Python and React, offering enterprise features with open-source flexibility and cloud hosting.

  • GraphQL API-first architecture for modern frontends
  • Enterprise features in free open-source edition
  • Strong multi-channel commerce capabilities
  • Cloud hosting is expensive for startups
  • Smaller community than Shopify/WooCommerce
Venmo icon

Venmo

★★★★☆ 4.2
Free / $1.75+

Social payments app for splitting bills, sending money to friends, and making purchases with a social feed, debit card, and crypto trading features.

  • Free person-to-person payments from bank/debit
  • Social feed makes splitting bills easy and fun
  • Widely adopted among US millennials and Gen Z
  • US-only (no international support)
  • Instant transfers cost 1.75% fee
Actual Budget icon

Actual Budget

★★★★★ 4.5
Free / $0+

Open-source envelope budgeting app offering local-first personal finance management with bank sync, goal tracking, and reporting with optional self-hosting.

  • Open-source with no subscription fees
  • Local-first with optional sync
  • Beautiful and fast interface
  • Self-hosting required for sync features
  • Smaller community than YNAB
Ghostfolio icon

Ghostfolio

★★★★☆ 4.3
Free / $5.99+

Open-source wealth management platform for tracking stocks, ETFs, crypto, and other assets with portfolio analytics, allocation views, and self-hosting capability.

  • Open-source with self-hosting option
  • Privacy-focused (no data selling or ads)
  • Supports stocks, ETFs, crypto, commodities
  • Limited broker integrations (manual entry mostly)
  • Smaller community than commercial alternatives
Maybe Finance icon

Maybe Finance

★★★★☆ 4.2
Free / $0+

Open-source personal finance and wealth management app offering net worth tracking, investment management, budgeting, and financial planning tools.

  • Fully open-source and free to self-host
  • Comprehensive financial dashboard
  • No ads, no data selling, full privacy
  • Self-hosting only (no managed cloud option yet)
  • Still in active development (features incomplete)

PocketGuard

★★★★☆ 4.2
Free / $7.99+

Personal finance app that shows how much spendable money you have after bills, goals, and necessities, simplifying budgeting into one In My Pocket number.

  • Simple In My Pocket concept
  • Automatic bill detection
  • Bank-level encryption
  • Plus required for custom categories
  • Limited investment tracking

Goodbudget

★★★★☆ 4.1
Free / $10+

Digital envelope budgeting app based on the proven envelope method, designed for couples and families to plan together and track spending by category.

  • Based on proven envelope method
  • Great for couples/shared budgeting
  • Works on web and mobile
  • Manual transaction entry by default
  • Limited reporting in free version

EveryDollar

★★★★☆ 4.3
Free / $17.99+

Zero-based budgeting app from Ramsey Solutions that helps you assign every dollar a job, following Dave Ramsey financial principles for debt-free living.

  • Simple zero-based budget approach
  • Based on proven Ramsey method
  • Custom budget fund tracking
  • Bank sync requires premium ($17.99/mo)
  • No investment tracking

Polar

★★★★☆ 4.3
Free

Open-source monetization platform for developers and creators, handling payments, subscriptions, and digital product sales with Stripe-based billing infrastructure.

  • Built for developers and open-source
  • GitHub integration for sponsors
  • Handles international tax/VAT
  • Takes a percentage of revenue
  • Limited to digital products

Fourthwall

★★★★☆ 4.4
Free

Creator commerce platform for building shops, selling merch, and offering memberships with no monthly fees, designed for YouTubers, streamers, and influencers.

  • No monthly fees (revenue share only)
  • Built-in print-on-demand merch
  • Membership and donation features
  • Revenue share model on transactions
  • Limited customization vs Shopify
Gorgias icon

Gorgias

★★★★★ 4.5
$10+

E-commerce helpdesk that turns customer support into a profit center.

  • Deep Shopify integration
  • Revenue tracking
  • Macros and automation
  • Expensive at scale
  • E-commerce focused only
Bandcamp icon

Bandcamp

★★★★☆ 4.4
Free

Music platform for artists to sell directly to fans with fair revenue sharing.

  • Artist-friendly revenue split
  • Direct fan connection
  • No gatekeeping
  • Limited discovery features
  • Basic analytics
Empower Personal Dashboard icon

Empower Personal Dashboard

★★★★☆ 4.3
Free

Free financial dashboard for tracking net worth, investments, and retirement planning.

  • Free tracking tools
  • Investment analysis
  • Retirement planner
  • Advisor upsell
  • Limited budgeting
Copilot Money icon

Copilot Money

★★★★★ 4.6
$10.99+

Beautiful personal finance app for iOS with automatic categorization and insights.

  • Beautiful design
  • Automatic categorization
  • Investment tracking
  • iOS only
  • No free tier
Squarespace icon

Squarespace

★★★★☆ 4.4
$16+

All-in-one website builder with beautiful templates for portfolios and businesses.

  • Stunning templates
  • All-in-one
  • Great for creatives
  • No free plan
  • Limited customization
Klaviyo icon

Klaviyo

★★★★★ 4.5
Free / $20+

Email and SMS marketing platform built specifically for e-commerce businesses.

  • Deep e-commerce integration
  • Powerful segmentation
  • Revenue attribution
  • Gets expensive with list size
  • Complex for beginners
Shopify icon

Shopify

★★★★★ 4.5
$39+

Leading e-commerce platform for building online stores with extensive app ecosystem.

  • Easy to set up
  • Huge app store
  • Great themes
  • Transaction fees
  • Limited without apps

Amazon Advertising

★★★★☆ 4.2
Free

Advertising platform for promoting products on Amazon with sponsored products, brands, and display ads reaching high-intent shoppers.

  • Access to high-intent buyers
  • Lower funnel advertising
  • Rich product targeting
  • Only reaches Amazon shoppers
  • Competitive bidding drives up costs

Criteo

★★★★☆ 4
Contact sales

Commerce media platform specializing in retargeting and performance display advertising, using AI to deliver personalized product recommendations.

  • Excellent retargeting performance
  • AI-powered product recommendations
  • Large retail media network
  • Primarily retargeting focused
  • Complex reporting

Swell

★★★★☆ 4.3
Free / $299+

Headless ecommerce platform for developers with a powerful API, flexible data models, and support for subscriptions, marketplaces, and B2B.

  • Extremely flexible API
  • Built-in subscription support
  • Good for unique business models
  • Requires development resources
  • Expensive for small stores

Ecwid by Lightspeed

★★★★☆ 4.2
Free / $19+

Ecommerce platform that adds a store to any existing website, social media, or marketplace with multi-channel selling and POS integration.

  • Add store to existing site
  • Good free plan
  • Multi-channel selling
  • Limited customization on free plan
  • SEO not as strong as Shopify

Sellfy

★★★★☆ 4.2
$29+

Ecommerce platform for creators to sell digital products, subscriptions, and physical goods with built-in marketing tools and no transaction fees.

  • No transaction fees
  • Built-in marketing tools
  • Great for digital products
  • Limited store customization
  • Basic SEO options

Monarch Money

★★★★★ 4.7
$14.99+

Modern personal finance app that aggregates all financial accounts for budgeting, net worth tracking, investment monitoring, and collaborative planning.

  • Beautiful modern interface
  • Great for couples
  • Excellent investment tracking
  • No free plan
  • Newer platform

Lunch Money

★★★★☆ 4.4
$10+

Modern multicurrency personal finance tracking tool with bank connections, crypto support, and developer-friendly API for tech-savvy budgeters.

  • Excellent multi-currency support
  • Developer-friendly API
  • Clean modern interface
  • No free plan
  • Limited mobile app

QuickBooks Online

★★★★☆ 4.2
$20+

Market-leading cloud accounting software for small businesses with invoicing, expense tracking, payroll integration, and tax preparation.

  • Market leader with huge ecosystem
  • Excellent accountant access
  • Strong mobile apps
  • Getting increasingly expensive
  • Can be complex for beginners

Honeydue

★★★★☆ 3.8
Free

Free budgeting app designed for couples to share finances, track spending, and communicate about money together.

  • Completely free with all features
  • Best-in-class privacy controls for couples
  • In-app chat and transaction commenting
  • Bank sync frequently breaks
  • No new features since 2022

Simplifi by Quicken

★★★★☆ 4.1
$71.88+

Streamlined personal finance app with a smart Spending Plan that shows how much you can safely spend after bills, subscriptions, and savings.

  • Affordable at roughly half the price of YNAB
  • Spending Plan feature is uniquely intuitive
  • Investment tracking and net worth included
  • No monthly billing option
  • No separate user profiles for families

Tiller Money

★★★★☆ 4.3
$79+

Automatically feeds daily bank transactions into Google Sheets or Excel, giving spreadsheet users full control over budgeting and financial tracking.

  • Unmatched customization via spreadsheets
  • Cheaper than YNAB and Monarch Money
  • Supports both Google Sheets and Excel
  • No mobile app
  • Steeper onboarding than typical budget apps

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