PayPal AlternativesTop 2 PayPal Alternative Picks: For General Use

Remember, the list of PayPal alternatives that we used to review was compiled by this website. We picked the services that we did because many people use them and because if you were looking for a PayPal alternative, and did your own internet search, one of these services would probably come up.

Also remember that there are other services out there that were not picked or reviewed by If you find such a product or service, and you think it should be included on this website, please CONTACT US with your find. We will try the service out and report the results.

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Based on the list of PayPal alternatives that we have compiled, and based on our own criteria that we think would make the service of most use to the most people, here are's TOP 2 PICKS:

Top 2 Picks: PayPal Alternatives for General Use

Merchantinc -- Recommended for US and International Sellers is a website that offers eBay Compatible credit card processing services for US and International Sellers. The services are provided by National Merchant Bancard, a well-known and highly respected U.S. Merchant Account Provider. After researching over 40 U.S. merchant account providers, we have chosen National Merchant Bancard because of their no setup/no cancellation fees approach. Their monthly fees for website processing, along with eBay processing, is only $7.95. That, by itself, is a great deal, not to mention that their transaction fees are LOWER than PayPal! Included with their services is an ebay compatible shopping cart system, 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 Compatible with eBay for US EBAYERS. International Merchants can still use the service to accept all major credit cards OUTSIDE OF EBAY.

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


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


Escrow -- Recommended for Large, Single item transactions is an online escrow service that significantly reduces the potential risk of fraud by acting as a trusted third party. They collect the purchase funds and hold them until both parties agree that the transaction has been completed to their satasfaction. I have personally used this service and can say that it has worked very well for me every single time. This service is not designed for high volume transactions, but rather, high ticket transactions, like selling a car or boat or website, etc.

PROS: This service is probably the safest way to conduct large transactions over the internet. They are a well-established company with a proven track record and excellent customer support.

CONS: Their fees can get pricey, so pay special attention to their fee schedule. Also, this service is not recommended as a replacement for a payment service like PayPal or a Merchant Account.

OVERALL: I highly recommend using for large online transactions.

Link to


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