当有人谈论在线转账、汇款或收款的最佳媒介时，我们会想到PayPal 。但是，PayPal需要一张信用卡来激活整个帐户。虽然一些国际芯片借记卡可以顺利使用PayPal，但并不是每个人都有。如果您从事自由职业，并且需要处理来自全球各地的客户，那么您不能坚持使用单一的支付网关。这就是这些PayPal 替代方案^{(PayPal alternatives)}可以为您提供帮助的地方。

最佳贝宝替代品

您应该知道，其中一些可能不适用于所有国家/地区。因此，请在注册之前先进行验证。

1] Payoneer

Payoneer可能是 200 多个国家/地区可用的最佳PayPal替代品。^(PayPal)最好的部分是它支持超过 150 种不同的货币。换句话说，无论您是想从美国还是印度^(India)还是澳大利亚^(Australia)获得付款，都可以在Payoneer的帮助下完成。像PayPal一样，它有一个验证过程，您必须遵循该过程才能获得完全批准的帐户。使用Payoneer的好处是您可以获得预付万事达卡^(MasterCard)，可用于购物——它的工作原理与其他普通借记卡一样。

2] 斯克里尔

Skrill（前身为MooneyBookers）正在全球范围内的各种电子商务网站上使用。与其他PayPal替代品一样，您显然可以通过Skrill发送和接收资金。Skrill最好的部分是您可以立即汇款或收款。根据他们的说法，您还可以立即从您的Skrill^(Skrill)账户中取款到您的银行账户。Skrill的第一笔国际交易是免费的。之后，将根据国家、货币和金额向您收费。Skrill在 200 多个国家和近 40 种不同的货币中得到支持。

3] 2结帐

您可能已经在各种电子商务网站上看到过“2CheckOut”标志，因为这项服务在美国^(States)非常^(United) 流行。这是因为他们在美国^(United)的^(States)收费很低。供您参考，您需要为每次成功付款支付 1% 的费用。您可以使用借记卡和信用卡创建 2CheckOut 帐户。与其他替代品一样，您必须支付货币兑换费。对于 2CheckOut，它在 2-5% 之间。考虑到所有费用，2CheckOut似乎相当昂贵，但它们承诺更好的安全性。

4]谷歌支付

互联网巨头谷歌^(Google)已经制作了这个在线支付网关来简化汇款和收款的整个过程。Google Pay的优势 在于它非常安全，您可以使用 2 因素身份验证锁定您的帐户。汇款很容易，要钱很容易，兑现也很容易，等等。缺点是你不能在美国和英国^{(United Kingdom)}以外^(United)的地方^(States)使用谷歌钱包^{(Google Wallet)}。截至目前，此PayPal替代方案已绑定到这两个国家/地区。

还有许多其他在线汇款和收款方式——例如Payza、Paymate、Dwolla、Stripe、WePay、Selz、Neteller、Payeer等，每种方式都有自己独特的功能。但是，在我看来，这些可能是PayPal最容易获得、最值得信赖且易于使用的替代品。如果您有任何其他建议，请在下面的评论中发表。

贝宝用户？看看这些PayPal 登录和安全提示^{(PayPal login & security tips)}。^{(PayPal user? Take a look at these PayPal login & security tips.)}

Best PayPal alternatives to send and receive money

When someone talks about the best medium to transfer, send оr receive money online, PayPal comes to our mind. However, PayPal needs a credit card to activate the whole account. Although some international chip debit cards work smoothly with PayPal, not everyone has it. If you are into a freelancing job, and you need to handle clients from all across the globe, you cannot stick to a single payment gateway. This is where these PayPal alternatives can help you.

Best PayPal alternatives

You should know that some of them may not work in all countries. So do verify first before you sign up.

1] Payoneer

Payoneer is probably the best PayPal alternative out there as is is available in more than 200 countries. The best part is that it supports more than 150 different currencies. In other words, it doesn’t matter whether you want to get payment from the US or India or Australia, you can certainly do so with the help of Payoneer. Like PayPal, it has a verification process that you must follow to get a fully approved the account. The advantage of using Payoneer is that you can get a prepaid MasterCard which can be used to make purchases – it works just like other regular debit cards.

2] Skrill

Skrill (formerly MooneyBookers) is being used on various eCommerce websites from across the globe. Like other PayPal alternatives, you can obviously send and receive money through Skrill. The best part of Skrill is that you can send or receive money instantly. According to them, it is also possible to withdraw money to your bank account from your Skrill account instantly. The first international transaction on Skrill is free. Following that, you will be charged based on the country, currency, and amount. Skrill is being supported in more than 200 countries and almost 40 different currencies.

3] 2CheckOut

You may have already seen the “2CheckOut” logo on various eCommerce websites since this service is quite popular in the United States. This is because they charge low in the United States. For your information, you need to pay 1% fee for each successful payment. You can create a 2CheckOut account using a debit card as well as a credit card. Like other substitutes, you have to pay a currency conversion charge. For 2CheckOut, it is between 2-5%. Considering all the charges, 2CheckOut seems quite pricey, but they promise better security.

4] Google Pay

The internet giant, Google, has made this online payment gateway to simplify the whole process of sending and receiving money. The advantage of Google Pay is that it is very secure, and you can lock down your account with a 2-factor authentication. It is easy to send money, very easy to request money, easy to cash out, and so on. The disadvantage is that you cannot use Google Wallet from outside of the United States and the United Kingdom. As of now, this PayPal alternative is bound to those two countries.

There are many other ways to send and receive money online – like Payza, Paymate, Dwolla, Stripe, WePay, Selz, Neteller, Payeer, etc, each having their own set of unique features. However, these are probably the most accessible, trustworthy, and easy to use substitutes to PayPal, in my opinion. If you have any other suggestions, please post in the comments below.

PayPal user? Take a look at these PayPal login & security tips.

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