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3 Excellent Alternatives To Using Paypal


Hi now I know that what I reckon is the most important part of being online and selling product and that’s not only selling it but also ensuring you get paid quickly and securely.

Some years ago it was pretty fraught because getting merchant account (which is what its often called) was for those just getting started absolutely a ‘no no’ unless you could and would jump through loads of hoops your bank insisted upon and then you had to be doing sizing business for them to even consider it. Hence other methods came along as the whole ‘doing business on the internet’ started to take off.

Who’s The Daddy of Online payment Methods Then?

What’s the world’s most loved way to pay and get paid?  You’re probably familiar with it – it’s Paypal!  But for lots of Internet marketers I know, it’s anything but loved.

For example, how about an Internet marketer who’s getting his or her first taste of sweet success.  Their ship has finally come in and their info product, eCourse is selling like hotcakes.  All until Paypal freezes their account with no warning because so much money is suddenly coming in!

And when this happens you have no recourse.  They can hold your money without disclosing any information to you, and by using their service; you’ve effectively agreed to let them do just that.

Ok in all fairness this doesn’t happen that often but if it happens to you its pretty bad news because you end up getting stuck for a while.

Let me tell you a little story –

3 years ago I was away in Turkey on holiday with my family. Been advised to use a debit card to obtain cash (no travellers cheques wanted out there!). All was fine until one night, went to get some cash, normal ATM wasn’t working went to another and the instructions were in yep you’ve guessed Turkish. Anyway put my card in entered my pin and the amount I wanted – no money, no card came back!!!

I then spent 45 minutes on my mobile to my bank’s call centre somewhere else in the world, got hung up on twice and most importantly received no help at all – no I tell you that’s when you start to panic. Fortunately wee had friends staying in the next resort who loaned us money until we got back to the UK.

However the moral of this story is –

Always have a back up plan, so yes by all means use PayPal – we do, but consider other providers as well, read on …..

Well, don’t worry.  There are alternatives. 

Even if you’ve never had any trouble, you might want to diversify a little anyway.  Don’t put your eggs all in one basket.  Here are a few of the best services with pros and cons.

 Alternative 1 – AlertPay

AlertPay accepts all major credit cards and works basically like Paypal.  But one huge difference is that they don’t care what you’re selling or doing online.  Paypal gets judgmental sometimes and as we all know, they don’t allow multi-level marketing, adult stuff, or ‘risky’ businesses.  AlertPay doesn’t care.

One thing that stinks a little about AlertPay is that they charge a dollar transaction fee for transactions between AlertPay users.  Paypal usually doesn’t charge anything.  But as far as other fees go, AlertPay is pretty much on par with PayPal.  One more thing that’s not so hot about AlertPay is that not as many merchants accept it.

Alternative 2 – Google Checkout

For lots of marketers, Google Checkout is absolutely awesome.  It’s integrated with Google AdWords and offers special pricing and deals.  For example, you can pay your transaction fees straight from your AdWords earnings, which is pretty darn convenient.  They also offer fraud protection for small purchases (Paypal’s fraud protection is only available for orders of over $50).

But one area where Google Checkout isn’t as flexible is that they don’t allow payments from banks like Paypal does.  Payments can only come from credit cards.  You can also only use Google Checkout in the United States.

Alternative 3 – 2Checkout

The main advantage of 2Checkout is that they’ve been an online credit card processor for years; long before Paypal and all of these other online merchants existed.  They’re a trusted name and you won’t see any negative complaints about them (there is no ‘2Checkout Sucks’ website!). 

On the downside, 2Checkout has higher fees than Paypal and there’s an initial start-up fee of $49.  Like I said, they’ve been around and back when they started, online credit card processors charged hundreds to set up an account.  Anyway, this is a small price to pay for a successful online business.

There are other alternatives as well, but do your homework before you open an account with one.  Make sure you understand the rules and the downsides, because all online payment processors have them.  And unfortunately, none are as widely accepted as Paypal.

Anyway, open some other accounts and protect yourself just in case Paypal strikes a blow to your online business.

Hope this post offers up some useful information.

Toby Russell

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