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PayPal Here alternatives

Consider your monthly sales when choosing between these payment processors.


Fact checked

PayPal Here offers straightforward on-the-go payment processing. But it doesn’t provide much in the e-commerce department, and might not be ideal for larger businesses. These three competitors have features that PayPal Here lacks.

3 alternatives to PayPal Here

PayPal Here is popular, easy to set up and the software is user-friendly. But these payment providers might be better for your business, especially if you have an online store or have a high sales volume.


  • Best for small businesses that need an integrated POS and e-commerce system.
  • Pricing: $0 to $72 monthly
  • Free trial: 30 days for retail, restaurants, appointments and some add ons

Like PayPal Here, Square can handle on-the-go mobile sales with no contract. But it edges out the competition with its e-commerce solutions.

Square’s ecosystem includes an online website builder that hosts your e-commerce store for free. With PayPal, you’ll have to build your own website before you use PayPal at checkout.


  • Transparent pricing. Lists fees for products and services on its website.
  • Integrated POS system. Unifies your sales and inventory across all your selling platforms, including your brick-and-mortar store, online shop and social media accounts.
  • No contract. No monthly fees, contracts or cancellation fees. Only pay the processing fee on your transactions.


  • Transaction holds. Like PayPal, Square is a third-party payment processor, and experiences transaction and account holds.
  • Limited customer support. Support is only available on the weekdays between 6 a.m. and 6 p.m. PT.


  • Best for businesses that process over $10,000 in monthly sales.
  • Pricing: $99 to $199 monthly
  • Free trial: None

Like PayPal Here, Fattmerchant offers third-party hardware to process in-store payments. But it might be an attractive offer to businesses that want a dedicated merchant account, which could mean fewer transaction holds. And if you make more than $10,000 per month, you could pay less than with a service that charges flat rates, even with Fattmerchant’s fees.


  • Markup-free interchange. Unlike many of its competitors, Fattmerchant doesn’t upcharge its wholesale processing fees.
  • 24/7 support. Tech support is available day or night by live chat, email and phone.
  • No cancellation fee. No penalty when you cancel your Fattmerchant account.


  • Pricey for some businesses. Plans start at $99 a month, and you pay a processing fee for each transaction. Additional costs might include a monthly virtual terminal fee to collect online payments and a monthly shopping cart plugin fee.
  • Third-party hardware. Fattmerchant integrates with Dejavoo terminals, Chipper mobile card readers and your own hardware for in-person sales. But third-party equipment could mean juggling multiple companies for help if you run into a problem.


  • Best for medium to large businesses looking for a transparent wholesale processing fee.
    • Pricing: $20 monthly
    • Pricing: $20 monthly

Like PayPal Here, Helcim accepts international payments, ideal for larger enterprises with a global audience. And Helcim entices you to grow your business to unlock lower processing costs. The more you make, the less Helcim charges per transaction, which means more money in your pocket.


  • Transparent pricing. Although the payment processing industry is usually hush-hush about its interchange fees, Helcim breaks down its rates and fees and discloses the cut to credit card companies and how much it takes.
  • 24/7 support. Customer assistance is available by phone 24 hours a day.
  • No cancellation fees. Cancel your monthly subscription any time without penalty.


  • No live chat feature. Tech support is limited to email and phone communication only.
  • Expensive for small businesses. Processing rates are based on tiers, which means the lower your monthly credit card volume, the higher your fees.

Compare other sites like Paypal Here

Data indicated here is updated regularly
Name Product Monthly fees start at Processing fees start at Processing time High-risk merchants accepted?
Chase Merchant Services
2.6% + 10¢ per swiped credit card
Next day when you deposit into a Chase business checking account
Accept, process and deposit customer payments in your store, online or on-the-go.
$0.08 + interchange per transaction
Next day for qualified businesses
Businesses that process more than $10,000 monthly can save with Fattmerchant's interchange+ pricing.
2.9% + 10¢
Next day
Square is a one-stop shop with both e-commerce and in-person solutions.
1.92% + $0.08 per transaction
Two business days
Conveniently packaged into three service tiers for in-person and online sales.

Compare up to 4 providers

Bottom line

These PayPal Here alternatives tackle mobile card readers for on-the-go sales and offer POS hardware for your physical store. While each provider offers competitive pricing, the best platform comes down to how much your business processes monthly and whether you need an online store.

If these providers don’t check everything off your list, consider a few other e-commerce solutions.

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