PayPal Alternatives: The Best Payment Providers in Comparison

As a payment provider on the Internet, PayPal is probably one of the best-known international payment services. Because no provider is more widespread than PayPal. When shopping on the Internet, the tendency to pay with online payment services is increasing. Instead of direct debit or credit card, many Internet users choose the US-based payment service PayPal. There are several other online payment providers that are just as secure and convenient. We will therefore show you the best PayPal alternatives below.

PayPal is the undisputed leader among payment providers

At the beginning, the payment provider PayPal was considered revolutionary. Pay securely and quickly when shopping online and receive or send money from friends or family very conveniently. And it all works in just a few steps – register, login, and pay. But meanwhile, other providers also offer this simple payment model or even enable different payment methods. Therefore, you should inform yourself beforehand about the different variants and use the PayPal alternative that suits you.

Requirements for using PayPal alternatives

In principle, anyone can use online payment services if an active account has been approved by the bank and the data for credit cards and the like are stored in the providers’ systems. Even people who are under the age of 18 can theoretically shop via online payment services with the permission and approval of their parents.

Nevertheless, the following applies: only those who are of legal age have full legal capacity. Whether for private or business purposes, different providers are suitable depending on the purchase or process. In the following, we would like to explain in more detail which PayPal alternatives can be viewed and what these providers offer.

Credit Cards

They are widely used as an alternative means of payment on the Internet. To do this, you have to enter your card number, the expiry date of the card, and the verification number in the relevant fields when paying by credit card.

  • widespread
  • the normal credit card fees apply
  • Buyer protection through the credit card
  • Cancellation only possible at the bank

When paying by credit card, your credit card details are stored with the online retailer – a point that not everyone likes and therefore only serves as a PayPal alternative to a limited extent.

Amazon Pay

In addition to PayPal, Amazon Pay is also one of the best-known online payment providers. According to Amazon, 33 million users have already used the service once and the payment volume has increased significantly. Customers can both send and receive money here. Thus, the systems of PayPal and Amazon Pay are very similar. With Amazon Pay, you can also pay in participating online shops, regardless of Amazon. With this PayPal alternative, the payment data stored in the Amazon account is accessed.

  • around 150 online shops offer Amazon Pay
  • the dealer pays the fee
  • Buyer protection: Yes
  • Cancellation of a payment possible
  • Verification takes place via the login data from Amazon

This payment method is particularly convenient for those who have an Amazon account. In addition, it only accesses your Amazon data. It does not pass it on to the online shop.


This payment method is not widely used. But it counts among the PayPal alternatives as one of the most anonymous variants. Because Skrill is comparable to a prepaid card, which means that you transfer money from your account to your Skrill account and can then use this credit to pay for your purchases over the Internet.

  • Skrill is not yet widely used (Skype, online casinos)
  • when charging, fees are partly due
  • Account required
  • Cancellation of a payment is not possible
  • No verification necessary as it is a prepaid systemPayPal

Apple Pay

Apple Pay is a separate payment service that can only be used in conjunction with an iOS device (e.g. iPhone, iPad, or Apple Watch) and the Safari browser. Before you can use Apple Pay, you have to deposit your credit card file with Apple in order to then verify the purchase via the fingerprint sensor, FaceID or your unlock code.

  • Apple Pay hasn’t been around for long
  • banks pay the fees
  • Buyer protection through the credit card
  • no account necessary
  • Cancellation only possible at the bank
  • Verification takes place via the fingerprint sensor, FaceID, or unlock code

Apple Pay is actually only responsible for the processing between the online shop and the bank because you pay with your credit card. If you pay with Apple Pay, you have to accept that Apple receives information about where you shop and what you shop. This data is stored in the USA.

Google Pay

For some time now, it has also been possible to pay via Google Pay. However, in terms of functionality, Google Pay hardly differs from Apple Pay. Here, too, a credit card must be stored once, which the system can then access. But Google Pay also offers the option of connecting the account to a PayPal account. This can be especially important for people who don’t have a credit card but still want to use Google Pay.

  • No fees
  • fewer restrictions than other providers
  • Account required
  • Cancellation of a payment possible


One of the possible PayPal alternatives is the MasterCard payment service. Accordingly, the credit card is initially deposited with Masterpass. However, this does not necessarily have to be a MasterCard, because here you can also pay with VISA or AmericanExpress credit cards. This means that online payment is made using the access data stored with Masterpass. This means that your credit card details will not be passed on.

  • around 600 shops offer Masterpass as a payment system
  • the normal credit card fees apply
  • Buyer protection through the credit card
  • Account required
  • Cancellation only possible at the bank
  • Verification takes place via the TAN procedure from Masterpass

The advantage of Masterpass is that the credit card details do not have to be entered in the respective online shop.

Conclusion: Many good PayPal alternatives

After all, each of the presented payment systems has its advantages and disadvantages. Not all of the providers are as well known and widespread as PayPal, which is why one or the other will certainly develop their functions further in the future. Nevertheless, no one except PayPal offers such a large network of companies, retailers, and shops. Nevertheless, it is always advisable to keep an eye out for other PayPal alternatives and to deal with different providers. Because ultimately the choice of provider must be suitable for your purposes.

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