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5 best PayPal alternatives in 2026

Looking for something like PayPal but with a different price point, feature set or vibe? These are the strongest Payments & Invoicing alternatives in our directory, ranked.

1

Stripe Free tier

The developer-loved payments infrastructure of the internet.

Best for: Online payments, subscriptions and invoicing · Pricing: 2.9% + 30c per transaction
PayPal vs Stripe
2

Square Free tier

Card readers, POS and online payments for physical businesses.

Best for: In-person sellers and retail · Pricing: Free POS; 2.6% + 10c in person
PayPal vs Square
3

Wise Business Free tier

Multi-currency accounts with honest exchange rates.

Best for: International invoicing and payouts · Pricing: Low FX fees, no monthly fee
PayPal vs Wise Business
4

Melio Free tier

Pay vendors and bills by card even when they want checks.

Best for: Managing accounts payable cash flow · Pricing: Free ACH; card fees apply
PayPal vs Melio
5

Bill.com

AP and AR automation for accounting teams.

Best for: Firms processing many bills and invoices · Pricing: From $45/user/mo
PayPal vs Bill.com