The title of this article never ceases to amaze me. When I check the keywords and terms that people use to find this site online, that exact sentence turns up often. I already rank at the top of Google for searches like:
But why the heck is the phrase “without PayPal” showing up so often?
Apparently there are a lot of folks up there who have had bad experiences with PayPal or are scared of it or somehow don’t understand it.
Well let me explain a few things, perhaps dispelling some false notions and offering some alternatives.
How PayPal Works
PayPal is a service that is like a bank in many ways but it is most assuredly NOT a bank. You can use it to send money to someone you want to pay, to receibves money from someone who owes you, to send money to yourself in different ways (like take money out of your US bank account and spend it here in the Philippines via an ATM card), and very important to me, PayPal acts as a credit card merchant account for me.
When I sell something online, like my specialized air mile radius maps, the buyer just clicks on a “Buy Now” button and PayPal does the rest … taking the money from whatever source the customer wants to use … bank account, credit card, electronic check and so forth.
PayPal then deducts a small service fee (that’s how they stay in business) and deposits the money in my PayPal account, sending me a notice that the customer ordered and paid already.
In small volume situations like this (I only sell a few maps per month), I just couldn’t do business any other way. Large volume e-commerce businesses usually use dedicated credit card processing service and other solutions, but for “small time” entrepreneurs like me, PayPal is invaluable.
I’ve been doing business with PayPal for more than 8 years now and I like them fine.
But of course no service is ever perfect, and it’s very important from my Google search numbers that there are a lot of you out there who want to make money and do not want to use PayPal.
Well, great news for you. Here are a number of proven PayPal alternatives.
At the moment, Google Wallet is mainly used in the US but it accepts credit or debit cards from many countries. It acts like a digital wallet, more so in the US as you can tap to pay in-store with an NFC-enabled Android device. As for online shopping, there are a handful of online merchants that accept checking out with Google Wallet.
MoneyBookers (currently also known as Skrill) allows you to send and receive money to other users. It works with other online banking services in certain countries and for all other countries, you can send and receive money with a debit or credit card. Each country is also charged differently when sending and withdrawing funds from MoneyBookers.
Paymate is a great way for sellers based in Australia and New Zealand to get money from international buyers from many countries. Sellers from the two countries can use Paymate on their website or on Ebay Australia for a small fee.
Formally known as AlertPay, Payza lets you send and receive money from 190+ countriesacross 21 currencies. The service is mainly based in US and Canada but also supports certain banks and credit/debit cards from their recognized countries. You can add funds to your Payza account via bank transfer or credit card, send money to other users, and even request money through invoices.
Payoneer is an interesting way to pay for online shopping. Registering for the service grants you access to a prepaid MasterCard which will be sent to your doorstep. Creating an account is free and you’re only charged when you activate the card. Once the card is activated, you can load money into the card from your local bank or other credit cards.
Besides featuring stellar customer service and fraud protection, WePay is a standout alternative because consumers can make purchases without leaving your site via a virtual terminal. Not only does this make your site look more professional, the service seems to be more focused on the individual’s interests and not just their credit card numbers.
By combining a merchant account with a payment gateway 2Checkout permits customers to receive credit card and PayPal payments. The company also features international payments, a solid shopping cart, and recurring billing.
Authorize.Net has been around since 1996 and is supposedly the Internet’s most widely used payment gateway. Authorize.Net has over 400,000 merchants and has been the recipient of the Achievement in Customer Excellence (ACE) award for five consecutive years.
Skrill, formerly Moneybookers, has some intriguing features such as a free setup, low fees, and the ability to send text messages straight from your account. Besides being a popular and simple alternative to PayPal, the service is great for international merchants since you’re allowed to transfer your account balance onto a prepaid debit card almost instantly.
Intuit is almost an essential service if you’re a small business owner who needs help with your finances. Besides being able to accept payments, both online and in-person with GoPayment, Intuit can also help you pay employees, calculate payroll taxes, and file payroll tax forms.
ProPay offers similar features to other PayPal alternatives including the ability to receive and send money anywhere in the world and even recurring billing and a built-in shopping cart. The one big advantage that ProPay has over the others is it’s also accepted by eBay. There’s also the ProPay JAK, a mobile phone credit card reader which can process credit and debit cards in real-time on your iOS or Android phones, in case you’re doing transactions in person.
While Click2Sell has the normal features found on any worthy PayPal replacement, it’s one of the few that will accept PayPal, Google Checkout, Skrill, and credit cards with or without a merchant account. But, the most standout features are affiliate tracking, powerful reports, and automated sales management. They also have the leading sales reporting tools so you can better understand your strategies and sales tactics.
Dwolla is very similar to PayPal in that you can do everything from paying your friends back to accepting payments at your place of business. What’s unique about this service is that if both parties have a Dwolla account, then money can be spent easily through their name, Facebook ID, Twitter handle, LinkedIn profile, telephone number, or email address.
Braintree has been growing steadily since 2007. Some of the platform’s features include a payment gateway, recurring billing, credit card storage, and allowing global online and mobile businesses to accept credit card payments via a merchant account.
ClickBank has been around since 1998 and offers a ton of easy to use features. ClickBank does everything for you, including building a site for your products and optimizing your business. Basically, ClickBank is a one-stop shop for online businesses.
Stripe is a rapidly growing start-up that removes the need for a merchant account or gateway. Stripe takes care of all your payment needs from storing cards, to handling subscriptions, to direct payouts to your bank account. Web developers will dig the ability to integrate a payment system into a projects by using Stripe’s API.
Still think you need PayPal to do business online?
Have you reached “nosebleed” or eye glaze level yet? Can anyone still think that PayPal is the only solution for getting paid online? I don’t think so.
Usually when someone goes off on a tangent about how a service like PayPal did (or didn’t) do something for them, it is really an excuse for the fact they are searching for a reason NOT to try.
Well never mind that. If you really want to earn money at your keyboard while living here in the Philippines, then just do it. There is always a way, with or without PayPal.