PayPal AlternativesRecommended Payment Services to use with eBay recommends the following services for use as a PayPal alternative for eBay use. The list used to review all of these services were taken from eBay's own "Accepted Payments Policy." had no choice but to pick from the list that eBay provided.

While there are a lot of great services out there today that would fit very well with eBay, eBay bans those services for your use. Therefore, if you want to use eBay WITHOUT using PayPal, you are limited in which services you can use to make and receive payments. Again, the following is a list of services that recommends for use with eBay:

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All Recommended PayPal Alternatives for eBay Use

Merchantinc -- Recommended for US Sellers Only Provides eBay Compatible credit card processing services for US residents only. This company has been in business for over 10 years and is a well-known provider of online payment processing solutions. After researching over 40 U.S. merchant account providers, we have chosen because of their no setup/no cancellation fees approach. Their monthly fees for website processing, along with eBay processing, is only $7.95, a far better value than most companies we researched. Additionally, their transaction fees are LOWER than PayPal. Included with their services is an eBay compatible shopping cart system, Secure Payment Gateway and Merchant Account. The application process takes about 5 minutes, is completely online, and most people are ready to begin accepting credit cards the same day. I have stressed before, the benefits of using a traditional merchant account over PayPal, for many reasons, among them, your funds are deposited directly into your bank account, NOT a PAYPAL ACCOUNT! This gives you far more control of your money and your business. Plus, with a merchant account, your funds are protected by federal banking regulations "Since your merchant account is provided by a real US bank". Unfortunately, PayPal is not considered a bank in the United States, and therefore it does not have to adhere to federal banking guidelines.

PROS: Reliable, Secure Payment processing solution. Accepted on Ebay. No setup fees. No cancellation fees. Very low rates. Easy to setup. Perfect for use on websites as well.

CONS: Only currently available for U.S. Merchants and Ebay sellers.

OVERALL: Highly recommended as an alternative to PayPal and as an alternative to receiving online payments. This is one of my personal favorites. Sign up and take it for a test drive -- you won't be sorry!

LINK TO Merchantinc

Allpay logo -- Recommended for U.K. Only

This payment service is approved for use on all eBay sites around the world including the United States and Europe. This company is based in the United Kingdom. It has a rock solid reputation (even collecting payments for various local and state governments) and a customer service that is fast, efficient and caring. This should be a top PayPal alternative to residents and citizens of the United Kingdom for use on eBay and for general use as well. While it is approved for us on eBay, the service is USELESS for residents of the United States and Canada. The service can be used in western Europe (Example: The Netherlands, Belgium, France, Germany)

THE SERVICE: is an umbrella company providing many e-commerce solutions. Users must sign up for services INDIVIDUALLY. The services offered include Swipe card payments, direct debit, internet payments, mobile phone payments, general bill payments and their online payment service Go&Pay. Go&Pay is what you would sign up for when you want to accept payments on eBay, make a payment on eBay or a general online payment that is non-eBay related.

PROS: Backed by a respected and well managed company, merchants can accept cash or debit card payments online, gives merchant's customers more online payment options, works seamlessly with other payment options offered by the company, gives consumers the option of paying for online purchases with cash or debit cards, consumers can make online credit card payments, buyers and sellers are protected from fraud, and is easy to use. Reasonable fees are a major plus.

CONS: Trying to figure out HOW to sign up can be confusing -- you really have to search. This system was not designed for use in major markets like the United States. They do not offer a FAQ on how to use their service. You have to learn or contact their customer service.

OVERALL: Excellent e-commerce solution for those who want to buy and sell on eBay, make general online payments and be able to accept online payments for their business -- if you are resident of the United Kingdom. NOT recommended for users of the United States, Canada, Australia, etc.

LINK TO allpay -- Recommended for ALL

EFFECTIVE December 31, 2007 -- OUT OF BUSINESS

When it comes to auction payments, BidPay is PayPal's closest competitor. This service is allowed on eBay sites all over the world. BidPay has been around a long time. After closing in 2005, they were sold and opened back up for business (CyberSource Corporation owns them now). This service is available only to those who wish to send and receive payments for auctions. Bidpay is accepted on every major auction site in the United States. BidPay allows users to send and receive payments from all over the world.

THE SERVICE: Buyers from the United States and around the world can use their debit cards or credit cards to make their eBay (or other auction) payments. Sellers receive their payment via Western Union Money Order or directly into their checking account (U.S. residents only).


PROS: Very easy to register and use -- users can sign up and be using the service in under ten minutes. Good buyer and seller protection. Unlike PayPal, BidPay will assume all risks for fraud and chargebacks. Terms of service is very customer friendly. Not a whole lot of complaints out there that might raise concerns that this is a bad company. Available to an international audience. A practical way to accept payments on eBay and other auction sites. Seller fees on both international and domestic transactions are very reasonable (comparable with PayPal, lower than a traditional merchant account). For buyers: THERE ARE NO SERVICE FEES. BidPay is free for buyers to use. BidPay's customer service numbers are easy to find and email support is available.

CONS: Not as widely accepted as PayPal. BidPay is going to have to "catch fire" to catch up with PayPal on eBay and other auction sites. Customer service takes about 48 hours to answer an email. System glitches occur from time to time. Can only be used for sending and receiving auction payments.

OVERALL: Highly recommended to eBayers and other auction users from the United States and around the world. The system works great and allows a person to make a living without worrying about frozen or limited transactions. This alternative will only get better and become more accepted on such sites as eBay when more persons sign up with them. If you have a product somebody wants, and only accept BidPay, your customer will signup just to buy your product. And then on and on it would go.



CertaPay -- Recommended for CANADA Only

This service is approved by eBay -- however, it would seem that only eBay Canada would be the place where this payment service could be used. All other markets are not available because this service is only for persons with Canadian bank accounts. This service is used to send money to an email account using money from your bank account. CertaPay is owned by Acxsys Corporation. They are a financially solid and reputable company.


THE SERVICE: A person can send money straight from their bank account to a person with an email account. To be able to send money, the user must have a Canadian bank account. To be able to receive money, the user must have an email address AND a Canadian bank account. The service can used to send money to friends and family, pay fees for services, make internet auction payments, make online payments to those who accept the service, and so on.

PROS: Can send money person-to-person, accept auction payments, make online purchases including those at auctions, offer it as a web payment solution for your online business and be protected by the best seller protection policy I have ever seen: once you get your money, there is no way for CertaPay to take it back -- the only way to get the money back is for the seller to give it back. In the demo copy this site was able to use (thanks to corporate relations at CertaPay), the user interface was easy to use and the whole thing was up and running in 15 minutes. Customer service is friendly and responsive. Finding their telephone number and email address for customer support was a breeze. Emails are answered usually within one business day. Customer friendly user agreement with no frozen or limited account clauses. Plus it is free to receive money with this service. A business person would not have to worry about fees eating away at profits.

CONS: This great service is ONLY AVAILABLE in Canada. It is not clear how much it costs to send money. Each bank that allows account holders to use this service charges different fees -- that is a con for people wanted to send money. The service does not allow Canadians to send or receive money to an international audience -- not even Canada's neighbor, the United States. Buyers who use this service must beware as they will have no protection once they send money to a seller. Once the money is sent, there is no way to get the money back unless the seller agrees to a refund.

OVERALL: Recommended for ALL Canadian residents. While this service offers a limited audience, a seller could make a good living with this or her online business catering only to other Canadians A buyer could benefit from this service by using it to pay for auctions and other online businesses located in Canada. As a bonus, this service can be used to send money person-to-person. That makes sending money to friends and family really easy. It makes it easy to send money to anybody the user wants to do business with (again, as long as they have a Canadian bank account).

LINK TO CertaPay


Nochex -- Recommended for U.K. Residents and Certain Others

This is another service offered by a company based in the United Kingdom. This company leans towards being a merchant account, but also offers personal and seller accounts. Overall, they offer a way to be able to send payments as well as receive payments.

THE SERVICE: This service offers its customers a merchant account, a sellers account or a personal account. The merchant account allows sellers to accept payments from the United Kingdom and around the world (credit cards, debit cards, etc). The sellers account allows you to receive payments only from within the U.K.. The personal account is for sending and receiving money between persons (including auction transactions). However, the personal account comes with certain limits (such as you cannot receive more than 90 British Pounds per day or send more than 300 British Pounds per day). Residents of the United States, Canada, Australia, and Western Europe can sign up for the merchant account. You MUST BE a resident of the United Kingdom to get the sellers account. The personal account -- to send money to make purchases -- is available beyond the borders of the United Kingdom.


PROS: Offers different accounts to meet different needs. Merchant and personal accounts are available to users around the world. Merchant account allows for receiving payments from around the world. Fees are surprisingly low and very competitive. The user interface needs a little work, but overall you can find what you are looking for fast. Reports can be generated and business statistics viewed. Withdrawing your money is easy and hassle free. Easy integration into your website or eBay auction. A bonus is each merchant account receives an assigned account manager. You'll speak with the same person every time should you have questions or concerns about your account. The personal account is also easy to use with no steep learning curve. Making online payments with the account is fast and trouble free. Funding the account is also simple. Customer service is easy to find through email, online forums, and over the phone. The application process is not complicated and you get an answer back within 48 hours.

CONS: Some U.S. and Canadian users might be scared off because this is a British company. None of the services offers instant sign up -- you must apply for the account you are interested in. You can either be approved or denied. Not widely used outside of the United Kingdom. More U.S. and Canadian users would have to sign up for this service to make a dent in eBay. However, buyers from all over the world will still be able to click your Nochex payment button and pay you.

OVERALL: If you are approved for the service, it is excellent. Persons from the United Kingdom should definitely be interested in this. Users from the United States and other countries would find the merchant account PERFECT for their needs. I like the merchant account I have, and would recommend it to almost anybody.

LINK to Nochex


Paymate -- Recommended for Australia & New Zealand


This service, Paymate, is an Sydney, Australia based company that has websites for both its Australia users and its New Zealand users. This service is approved by eBay for use on all of its websites. However, the service is only available to residents of these two countries. This company is fairly solid meeting all of the local and federal licensing requirements.

THE SERVICE: If you are selling something on eBay, another auction site, have an online business or website, Australian sellers (and New Zealand) can receive payments from over 37 different countries. Buyers do not have to register in order to send a payment. As long as a seller is accepting Paymate as a payment option, buyers can send their money easily. Paymate offers its sellers several different types of seller's accounts -- ranging from the standard account to high volume accounts. Money is deposited directly into your Australian bank account. Sellers are able to put payment buttons in their auctions and in their websites to initiate a payment transaction.


PROS: Sellers from this region have a great alternative to PayPal. Australian sellers can still sell items on eBay USA and use Paymate as a payment alternative to PayPal. Sellers can receive money from over 37 different countries -- that means buyers from over 37 countries can use this service to buy what they are looking for. Fees are very reasonable: a seller could easily make a profit using Paymate. The overall payment service is designed to send money email-to-email. That makes this service even easier. Buyers can register for a buyers account or can make payments as a non-registered member. That is a nice choice to have. I got to log into a friend's seller account from where I am (with no negative consequences from Paymate, i.e., frozen or limited account) and check out the user interface. The user interface is stripped down and no nonsense. Everything was easy to find.

CONS: Buyers have to pay to use the service -- I find the fees a little high (fees topping out at .50 cents Australian plus 3% of the transaction. That could be high enough to keep buyers away. However, if enough sellers start using this, the buyers will come. I found the User Agreement to be a little PayPalesque -- but I was able to dig up no significant media reports, court filings, consumer complaints or other discord about the service.

OVERALL: Australians can really use this to make some money and move products. Payments come from an international audience -- and there is nothing stopping Aussies from listing on Ebay USA and using this service as their accepted form of payment. With all their money being deposited directly into their bank account, this service is fast, safe and refreshing. Recommended for Australia and New Zealand.

LINK to Paymate


ProPay -- Recommended for U.S. Sellers

ProPay is a solid, stable U.S. based company. Their service is simple: they allow small businesses and sellers to accept credit card (and debit card) payments from all over the world. Their service leans more towards being a merchant account -- but they do not have the fees associated with a normal merchant account. This service is approved for use on eBay. Sellers will have no problems collecting payments online.

THE SERVICE: Sellers get to pick from four different accounts. A basic plan all the way to their platinum plan. The basic or advanced plan would be more than enough for the average to above average seller. eBayers, online businesses and even regular brick-and-mortor businesses can use ProPay to accept payments from around the world. For the basic plan, you pay $34.95 for one year. After that, it is pay-as-you-go. If you don't receive any payments on a given month, you pay nothing. There are NO monthly fees. If you receive a $70 payment, you get charged a little under $2.00 in transaction fees. PayPal fees are much higher.


PROS: If you are serious about your business or serious about your eBay listings, this service is perfect. You put the payment buttons on your website or auction, and let the money come rolling in. Buyers don't pay any fees. Sellers can accepted payments from an international audience. As an added bonus, you get a ProPay MasterCard to access your money or you can transfer your money straight into your bank account. No limitations, no frozen accounts. The signup process was straight forward and fast. Customer support was VERY helpful and actually seemed happy to deal with its customers. The User Agreement was understandable and customer oriented. All your rights were clearly spelled out -- with no room for interpretations that could come back and haunt you later. Once signed up, the control panel was well organized and not at all hard to use. You could learn everything in under an hour. Finally, the fees are more than tolerable. While you do have to pay a yearly fee for your account, after that is is pay-as-you-go. Any business or individual making an average amount of sales per month could easily make up in profits what was spent on the yearly fee -- plus you don't have to worry about your account getting limited or frozen. That alone is worth the $34!

CONS: Not something for the average Joe -- or the occasional eBay seller. This service is only available to U.S. residents -- so everybody else is excluded. A yearly fee is charged for which ever account you sign up for. While the basic plan is reasonable, the platinum plan can be costly for the average individual ($299 US).

OVERALL: Highly recommended to U.S. eBay sellers and individual website owners. As long as you are serious about your business and making money, ProPay makes for an excellent partner.




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