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Alternatives to PayPal

A world-renowned payment system with a lot of perks, but there are many apps like PayPal.

PayPal is one of the most widely known and accepted payment options in the world. It offers a convenient way to check out when online shopping and even peer-to-peer (P2P) payments to friends and family. It also features the PayPal Debit Card that’s linked to your PayPal balance and multiple credit products, such as its PayPal Cashback Mastercard. While PayPal can make international payments and transactions, it has an overwhelming number of other fees around those transactions.

When it comes to alternatives to PayPal, some other apps, like Cash App, Venmo and Apple Pay, may suit your needs better.

6 PayPal alternatives

Alternative for most similar

Cash App Card

8.8 Great

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One of the most popular P2P apps out there, Cash App has many similar offerings to PayPal. A free app, it is best known for its quick P2P payments to other users. Similar to PayPal, it also offers a prepaid card linked to your Cash App balance, but you also get discounts on select purchases you activate in the app. The card unlocks the savings account that automatically earns 1.5% APY, or 4% APY with $300 in monthly direct deposit. You can also file your federal taxes and use its investing platform, and teens can get a teen account with the sponsorship of an adult. However, unlike PayPal, Cash App can only make international payments to the UK, and there's no 24/7 customer support.
APY4.00%
Fee$0 per month
Minimum deposit to open$0

Alternative for P2P payments to debit cards

Chime® Checking Account

9.6 Excellent

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on Chime's secure site
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A fintech with banking partners and banking services, Chime is well-known for its minimal fees. But a lesser-known feature is Pay Anyone, Chime's P2P system that lets you send money to anyone with a debit card. Compared to PayPal or Cash App, which require users to all have the same app to send or receive P2P payments, Chime is more convenient. In addition, Chime's checking has no monthly fees, and its optional savings account earns 2.00% Annual Percentage Yield (APY). There are tons of extra perks like overdraft services, cash advances and a credit-building card. On the downside, Chime doesn't support joint accounts.
Fee$0 per month
Minimum deposit to open$0

Alternative for international payments

Revolut

9.6 Excellent

Get a $10 cash reward when you first use your card on a qualifying $1+ transaction. Terms & Conditions apply.
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Revolut is a borderless account full of international perks and a great alternative to PayPal if you frequently make international transactions. Its free Standard plan has a debit card and the ability to spend in over 150 currencies. You'll get up to $1,000 allowance for free currency exchanges — a grace you won't get with PayPal. Revolut users can send free P2P payments to each other in 15 different currencies and use its split bill feature with friends. You can earn up to 2.75% APY on savings balances with its free account, unlock its kids' banking option Revolut <18 and use the investing platform. However, Revolut's ATM withdrawals and fees are unnecessarily complicated, and there's a $10 fee for receiving domestic wires. To get more free currency exchange allowances and higher savings APYs, you'll need a paid plan.
APYUp to 3.50%
FeeFrom $0 per month
Minimum deposit to open$0

Alternative for P2P payments with your bank

Zelle®

Unlike PayPal or Cash App, which require senders and receivers to download the same app, there's a good chance you already have access to Zelle if you bank with a major or large bank. Zelle is a P2P money app integrated with over 2,000 financial institutions, including big players like Chase, Discover and Wells Fargo. Zelle requires only a US bank account to send or receive payments. Its transfers are nearly instant, with the recipient typically receiving their money within minutes if they also have Zelle. But because the transfers are so fast, you can't cancel a payment once sent if the recipient is enrolled in Zelle. However, unlike PayPal, Zelle doesn't support international payments or offer its own card or any other extra perks like you'd find with PayPal, like lending or investing services.
Fee$0 per month

Alternative for Facebook users

Meta Pay

Meta Pay lets you send money through the Messenger app and Instagram. It's already integrated with these apps, only requiring you to enter card or account information to make donations or purchases or send payments to other users. Similar to Apple Pay, you can add a PIN and use the fingerprint or face ID to make the payment go through for some extra security. Like PayPal, Meta Pay has 24/7 chat support. However, unlike PayPal, Meta Pay is only available in the US and can only send payments within the US. It only accepts Visa or Mastercard debit cards, not credit cards, and reloadable prepaid cards can only send funds and not receive them. But it can synergize with PayPal, as Meta Pay lets you add PayPal accounts.
Fee$0 per month

Apple Pay

Already familiar to most Apple users, Apple Pay is a top option for shopping and P2P payments. Apple Pay and Apple Wallet are already on most modern Apple devices. You just need to add your accounts or cards to use them. Apple accepts most card types, including credit, debit, prepaid and some gift cards. Using the Messages app, you can send money to others using accounts added to your Apple Wallet without fees. On top of that, you get a free prepaid Apple Cash Card automatically in your wallet, linked to your Apple Cash balance. And using Family Sharing, families can give kids their own Apple Cash cards to send or receive payments. Apple Wallets also accept PayPal cards. However, unlike PayPal, you can't fund your Apple Cash card with a credit card, whereas PayPal lets you fund its prepaid card with its line of credit.
Fee$0 per month

How PayPal compares

PayPal is a great option for P2P payments, online shopping and domestic and international transactions. Unlike most P2P apps, PayPal offers international payments and has an investing platform to buy or sell crypto. Using PayPal’s Friends and Family tab, you can send cash to other users using your linked accounts and cards. It also owns Venmo, another popular P2P app that’s very similar to Cash App, allowing you to send money to Venmo users using your PayPal account. You can link PayPal’s no-fee debit card to your PayPal balance, very similar to Apple’s Cash card and Cash App’s Cash Card. PayPal also accepts mobile check deposits and cash deposits at Green Dot locations and offers 24/7 customer support.

However, PayPal has several fees to watch out for, such as the 2.5% foreign transaction fee with the PayPal Debit Card, a 5% international payment transaction fee and a 2.9% fixed fee for P2P payments using a card.

Pros

  • P2P, in-store and online payments
  • No-free debit card
  • Compatible with Venmo
  • International payments
  • 24/7 customer support

Cons

  • 5% international payment transaction fee
  • 2.9% fixed fee for P2P transfers using a card
  • PayPal Debit Card 2.5% foreign transaction fee
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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise
Bethany has written 446 Finder guides across topics including:
  • Personal finance
  • Banking
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  • Insurance
  • Cryptocurrency and NFTs

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