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5 Alternatives to Paypal for Online Businesses in Australia

5 Alternatives to Paypal for Online Businesses in Australia

Are you looking for an alternative to PayPal for your internet business?

PayPal is an excellent method of accepting money. It is the most widely used payment method of its type. However, there are a variety of reasons why you may choose to seek an alternative provider.

For instance:

You may be dissatisfied with PayPal's charge structure in general. PayPal will charge you a hefty fee for each transaction. Additionally, they are renowned for banning accounts. If your account is temporarily banned, you will lose access to your cash. Additionally, you will be unable to accept payments until they unlock your account.

Especially if you have no issues with PayPal, why not explore your alternative options?

List of top 5 alternative PayPal 

  • Braintree
  • Stripe
  • eWay
  • SecurePay
  • AfterPay


Braintree is perfect for established internet companies with a significant customer base. They are definitely the greatest option if you wish to grow outside of Australia. As with PayPal, Braintree provides your company with both a payment gateway and a merchant account.

Braintree was bought by PayPal in 2013. However, the two businesses function mostly separately.

Charges for each transaction

Domestic: 1.75%+ 0.30 Australian dollars

International: 3.90% plus A$0.30 (*includes currency conversion expenses)

Chargeback: A$25 Accepted credit cards

Visa, Mastercard, American Express, Apple Pay, and Google Pay are all considered to be 


  • Supports more than 130 currencies. 
  • Excellent for foreign merchants
  • Discounted pricing is available to firms who handle more than $100,000 AUD per month.
  • Compatibility with digital wallets such as Google Pay, Apple Pay, and PayPal


  • This product may not be appropriate for small enterprises or startups.
  • Account termination policy for new enterprises that is sensitive


Stripe is another excellent option for Australian firms wishing to go internationally. They feature robust, adaptable solutions for practically every kind of online shop.

Stripe has manufacturing developer-focused tooling with a long range of features. All of this, though, may be a little intimidating for the ordinary small company owner.

Fees for each transaction

Domestic: 1.75% plus $0.30 A$

2.90 percent plus A$0.30 for international transactions.

Chargeback: 0 (if the disagreement is resolved in your favour) or A$25

Cards that are supported

Visa, Mastercard, Maestro, American Express, JCB, Apple Pay, and Google Pay are all accepted.


  • A great option for foreign retailers.135+ currencies are supported
  • A diverse set of tools and features
  • If the chargeback is not upheld, the fee is refunded.


  • For small enterprises, extensive functionality may be overkill.
  • If your chargeback rate reaches 1%, this method will not work.


In Australia, eWay is a well-known payment service company. They are connected to all of Australia's major banks and service over 26,000 companies.

eWay's adventure began in 1998. They've gradually developed since then to become a top option for any kind of ecommerce site.

Fees for each transaction

1.50 percent + A$0.25 for domestic transactions (for Visa and Mastercard)

International: Same\sChargeback: The fee is not specified on the website.

Cards that are supported

Visa, Mastercard, American Express, Diners Club, JCB, Discover, Apple Pay, Visa Checkout, and Masterpass are all accepted.


  • Credit card payments are processed quickly (same day or next day)
  • Customer service is quite responsive.
  • Interacting with Australian firms is something I'm used to.


  • Not as customisable as its global counterparts


SecurePay, like any other Paypal competitor, offers an internet merchant account as well as a payment gateway for your online company. They are a subsidiary of Australia Post, which is controlled by the government.

Every day, SecurePay services over 40,000 Australian companies and processes 1 million transactions. They've been in business in the nation since 1999.

Fees for each transaction

Domestic: 1.75 percent plus $0.30 A$

2.90 percent plus A$0.30 for international transactions.

A$25 chargeback

Cards that are supported

Mastercard, Visa, American Express, Diners Club, JCB, Alipay, and WeChat are all accepted. Pay


  • Excellent for small enterprises and new ventures.
  • Produces useful reports
  • Interacting with Australian firms is something I'm used to.


  • Not suitable for major corporations seeking worldwide growth.


AfterPay is not like the other PayPal alternatives we've discussed so far. It enables your consumers to pay in installments over time.

AfterPay will reimburse you the entire cost of any transaction in advance. The money is then collected from the clients in four weekly installments. Your first payment is secure.

In Australia, AfterPay is quite popular. Their purchase now, pay later concept has established itself as a viable alternative to traditional payment methods.

Don't let their exorbitant transaction charge throw you off. AfterPay allows you to convert more clients and boost the average basket size.

The following are the AfterPay costs for retailers

Fees for each transaction

Domestic: 3 to 7% (depending on volume) + A$030 (source)

International: This does not apply.

Chargebacks are not permitted.

Cards that are supported (Customers need to have AfterPay accounts)


  • Conversion rate is high.
  • There is no danger of fraud or credit damage.
  • Customers really like it.


  • It is insufficient as a sole payment method.
  • The government has been chastised for encouraging unhealthy spending habits.

Alternatives to AfterPay

AfterPay's competitor, ZipPay, is an excellent choice. Their transaction charge is cheaper (2 to 4 percent + 0.15 AUD), and merchants are paid every day at 4 p.m.

You may also try Openpay as an AfterPay alternative.

Choosing the best PayPal substitute in 2020

So there you have it: our top five PayPal alternatives. There are plenty more that we did not cover in this post. For personal usage, Venmo, for example, is a viable alternative to PayPal. Payoneer is ideal for independent contractors.

Final thoughts 

This is mostly determined by your company's requirements. The easiest method to find out is to call these payment businesses and speak with them about your individual needs.

They will provide you additional information about the available features and prices. Custom solutions and cost structures that are more appropriate for your ecommerce website are also available.

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