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Paypal

Overall Rating

4.6

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Top Paypal Alternatives & Competitors in 2026

The best Paypal Merchant Services alternatives are Worldpay, Kurv, and 247Payments, each offering Show more

The best Paypal Merchant Services alternatives are Worldpay, Kurv, and 247Payments, each offering ach payment processing, with pricing from free.

paypal logo
4.6(0)

Starting from: $0/month

PayPal Standard

$0/mo
Expert - Pros
  • Easy Setup and Use
  • Trusted by Consumers
  • All-in-One Solution
  • No Monthly Fees (Basic)
Expert - Cons
  • Transaction Fees Can Be High
  • Not Great for High-Risk or Large Businesses
  • Limited Customization on Basic Plan
  • Withdrawal Limits and Fees:
Worldpay Light BG Logo
4.9(0)
Visit SiteRead More

Starting from: Custom/month

Custom Pricing

Custom/mo
Expert - Pros
  • Offers custom pricing to cater to your specific business needs
  • Intuitive software and systems with powerful features
  • Next-day funding helps maintain cash flow
  • You can access 24/7 telephone support
Expert - Cons
  • No transparent pricing plans, so it’s hard to compare with other options
kurv-logo
4.8(0)
Visit SiteRead More

Starting from: $0/month

Lite

$0/mo
Expert - Pros
  • Reliable Merchant Services software
  • Transparent transaction-based pricing
  • Strong online payment solutions
  • Responsive, knowledgeable support
Expert - Cons
  • No money-back guarantee
  • No free trial option

Paypal is a Merchant Services known for easy setup and use and trusted by consumers. However, businesses often look for alternatives when they need Transaction Fees Can Be High, more competitive pricing than free, or features Paypal doesn't offer such as ach payment processing. Below we compare the 6 best Merchant Services alternatives — ranked by overall rating, feature coverage, and value, so you can find the right fit for your business.

Worldpay logo
Worldpay
Free plan / Free trialAvailable
Overall score
4.9
Ease of use5.0
Performance5.0
Help & Support5.0
Features5.0
Price4.5
Worldpay is one of the most established providers of merchant services in the world today. It handles trillions of transactions every year for more than one million businesses. It caters to Read more

Worldpay is one of the most established providers of merchant services in the world today. It handles trillions of transactions every year for more than one million businesses. It caters to businesses of all shapes and sizes. With a focus on innovation, Worldpay offers seamless transactions covering a huge range of payment methods. This ensures your business delivers efficient and secure online payment processing services. My Worldpay merchant services review will explore all the features, pricing, ease of use, and customer support.

Learn more in our full Worldpay review.

Pros & Cons
Pros
  • Offers custom pricing to cater to your specific business needs
  • Intuitive software and systems with powerful features
  • Next-day funding helps maintain cash flow
  • You can access 24/7 telephone support
Cons
  • No transparent pricing plans, so it’s hard to compare with other options
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • iOS
  • Android
  • Cloud-Based
  • Windows
  • Mac
  • Free Trial
  • Monthly subscription
  • Annual subscription
  • Instore Sales
  • Online Sales
  • Mobile Sales
Kurv logo
Kurv
Starting from$0 /mo
Free plan / Free trialAvailable
Overall score
4.8
Ease of use4.5
Performance4.5
Help & Support5.0
Features5.0
Price5.0
When you're choosing a Merchant Services software, you want something that feels reliable, modern, and genuinely aligned with how you do business. KURV positions itself as a people-first platform Read more

When you're choosing a Merchant Services software, you want something that feels reliable, modern, and genuinely aligned with how you do business. KURV positions itself as a people-first platform that simplifies managing online merchant services without sacrificing flexibility or performance. Using one connected ecosystem, you can access online payment platforms, payment gateway technology, and secure online payment processing services designed to grow with you. KURV is a Merchant Services software that helps you manage online payment solutions, e-commerce payment methods, and in-person transactions from one streamlined dashboard.

Learn more in our full Kurv review.

Pros & Cons
Pros
  • Reliable Merchant Services software
  • Transparent transaction-based pricing
  • Strong online payment solutions
  • Responsive, knowledgeable support
Cons
  • No money-back guarantee
  • No free trial option
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Data Security
  • Debit/Credit Card Processing
  • In-Person Payments
  • Mobile Payments
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • iOS
  • Android
  • Cloud-Based
  • Windows
  • Mac
  • Instore Sales
  • Online Sales
  • Mobile Sales
Pricing
Lite

$0

mo/

month

Enterprise

$0.1

+2.50%/ mo/

+2.50%/ mo

Screenshots
Kurv hardware
kurv ecommerce
Kurv mobile payment
Kurv invoicing and reporting
Kurv analytics features
Kurv next day funding
247Payments logo
247Payments
Starting from$7 /mo
Free plan / Free trialNot Available
Overall score
4.7
Ease of use5.0
Performance5.0
Help & Support4.5
Features4.0
Price5.0
247Payments offers merchant services software that gives peace of mind to business owners by looking after the entire payment experience. 25,000 small businesses trust 247Payments, which accepts an Read more

247Payments offers merchant services software that gives peace of mind to business owners by looking after the entire payment experience. 25,000 small businesses trust 247Payments, which accepts an impressive 170 currencies and offers next-day funding so business owners can better manage cash flow. 24/7 customer support means that you always have someone on hand to resolve any urgent issues that can be costly to a business. The 247Payments review will cover the wide selection of features available, the performance and pricing of the online payments software, and more.

Learn more in our full 247Payments review.

Pros & Cons
Pros
  • Businesses are guaranteed the most competitive locked-in rates
  • Covers all types of businesses, including high-risk sectors
  • Many services: Mobile CC processing, ACH payments, invoicing, and BNPL
  • Flexible pricing with no long-term contracts or hidden cancellation fees
Cons
  • Doesn't offer any live chat
  • Must schedule a consultation to get a price quote
  • No info about handling cash transactions
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
  • Monthly subscription
  • Instore Sales
  • Online Sales
  • Mobile Sales
Pricing
General Plan

7%

mo/

month

Payarc logo
Payarc
Free plan / Free trialNot Available
Overall score
4.6
Ease of use4.0
Performance4.0
Help & Support4.0
Features4.5
Price4.5
User reviews5.0
Payarc offers comprehensive merchant services and payment processing solutions tailored for small and medium-sized businesses. Their web-based platform seamlessly integrates point-of-sale (POS) Read more

Payarc offers comprehensive merchant services and payment processing solutions tailored for small and medium-sized businesses. Their web-based platform seamlessly integrates point-of-sale (POS) services, online payments, billing, and invoicing, all within a PCI-compliant environment. With advanced analytics, businesses gain valuable insights to optimize operations and enhance customer experiences. In this Payarc review, I'll discuss features, performance, customer service, and Payarc pricing.

Learn more in our full Payarc review.

Pros & Cons
Pros
  • Very responsive customer service
  • Positive online product feedback
  • Recent PE investment leading to an improved value proposition
  • Excellent FAQ and blog section available on the website
Cons
  • Lack of transparency about plan pricing and fees
  • More visibility of product details on the website would be good
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Data Security
  • Debit/Credit Card Processing
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
  • iOS
  • Android
  • Cloud-Based
  • Windows
  • Mac
  • Instore Sales
  • Online Sales
  • Mobile Sales
Merchant One logo
Merchant One
Starting from$13.95 /mo
Free plan / Free trialNot Available
Overall score
4.6
Ease of use4.0
Performance4.5
Help & Support4.5
Features4.5
Price3.5
User reviews5.0
With over 20 years of experience, Merchant One is a trusted leader in credit card payment processing, serving industries such as retail, hospitality, and e-commerce. Offering state-of-the-art Read more

With over 20 years of experience, Merchant One is a trusted leader in credit card payment processing, serving industries such as retail, hospitality, and e-commerce. Offering state-of-the-art technology and direct-to-source services, they ensure seamless transactions, competitive rates, and next-day funding. Known for their customer-centric approach, the merchant service provider streamlines payment solutions with no setup fees and flexible equipment leasing, making them a reliable partner for over 100,000 businesses. Their commitment to compliance and innovation guarantees businesses secure, efficient, and scalable solutions tailored to their unique needs. In this review, I'll cover the Merchant One pricing structure, features, performance, and more.

Learn more in our full Merchant One review.

Pros & Cons
Pros
  • High Approval Rate Regardless of Credit
  • Quick Setup
  • Quick Access to Funds
  • PCI Compliant
Cons
  • Merchant One requires a three-year contract
  • Services may be more expensive than competitors
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
  • Monthly subscription
  • Instore Sales
  • Online Sales
  • Mobile Sales
Pricing
Regular

$13.95

mo/

month

Pinpoint Payments logo
Pinpoint Payments
Free plan / Free trialNot Available
Overall score
4.5
Ease of use4.5
Performance5.0
Help & Support4.5
Features4.5
Price4.0
Pinpoint Payments is a Miami-based company that has been offering online payment solutions since 2013. The company has won numerous awards over the years, including being a five-time Inc. 5000 firm. Read more

Pinpoint Payments is a Miami-based company that has been offering online payment solutions since 2013. The company has won numerous awards over the years, including being a five-time Inc. 5000 firm. Pinpoint Payments offers same-day application approval, so you can start accepting payments without delay. Customers are protected with top-tier encryption, and you get real-time insights into payments. Other great features include fraud prevention systems, dual pricing, and batch processing. This Pinpoint Payments review will discuss features, pricing, performance, and more.

Learn more in our full Pinpoint Payments review.

Pros & Cons
Pros
  • Offers a consulting package to help businesses optimize their payments
  • Customer support is always on hand to resolve issues
  • High approval rate for particularly risky businesses
  • Third-party integrations with existing POS systems
Cons
  • Not transparent with its pricing
  • No dedicated solutions for handling cash transactions
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
  • Monthly subscription
  • Annual subscription
  • Instore Sales
  • Online Sales
  • Mobile Sales

What is the best alternative to Paypal?

The best alternative to Paypal depends on your needs. For overall value, Worldpay is the highest-rated option with a 4.9-star average. For budget-conscious buyers, Paypal starts at free.