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10 Best Alternatives To PayPal For Online Payment That Will Make Your Life Easier

10 Best Alternatives To PayPal For Online Payment That Will Make Your Life Easier

PayPal has become somewhat of a standard when it comes to online payments and is very widespread. It’s not that it is the cheapest or even the best online payment option out there, it’s that people have gotten used to it and aren’t really aware of the alternatives. You might be wondering why you shouldn’t just stick with what you know and go for PayPal, after all it’s what nearly everyone uses. The main reasons for looking at alternatives would be competitive pricing and ease of use, although numerous reports have also been made against PayPal’s questionable business practices.

Another point against it is that not everyone from around the world can use it, which cuts you off from several different markets, but some of the other payment systems share this problem, although they run a much tighter ship. Running a successful eCommerce website with plenty of traffic will require a good amount of resources and hard work, so you want to make sure that the customer satisfaction is high and that all transactions go as smoothly as possible. At the same time, you may need an effective way to send and receive money internationally. To accomplish these things, you may want to check these alternative of online payment methods that have proven to be consistent with the quality of their service.

1. Skrill

Skrill

    Formerly known as Moneybookers, Skrill provides you with an online account that is fairly quick to set up and easy to use. You can send money to other users and receive payments, buy items online and they send you a prepaid debit card which you can use for payments stores or ATM withdrawals.

    The good

    • It’s fast and easy to set up an account
    • You can use it anywhere in the world
    • Works with a number of major currencies
    • Has a reasonable flat fee for transfers (1% and limited to 10 euros max)
    • It’s fairly secure

    The bad

    • Stringent fraud prevention policies can cause problems like freezing accounts
    • Poor customer service which makes it difficult to resolve problems quickly

    As long as you aren’t one of the few unlucky people who experience a problem and have to deal with their lacklustre customer service, Skrill is a great online and offline payment method.

    2. Payoneer

    Payoneer

      Much like Skrill, Payoneer provides you with an online account and a PrepaidMaster card with a fixed activation fee. You can load money onto your account, receive and send payments as well as shop online and in any store that accepts major credit cards and withdraw cash form ATM’s.

      The good

      • Quick and easy account set up
      • Seamless and straightforward transactions
      • Can be used around the globe
      • Is supported by major freelance platforms like oDesk

      The bad

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      • High fixed account maintenance and ATM withdrawal rates
      • Fees involved in bank account transfers unlike similar services where this is free
      • Hit and miss customer service

      Overall it is a fairly reliable payment system that can be used in any country in the world, but you will need to come to terms with relatively steep rates when compared with similar options.

      3. Dwolla

      Dwolla

        Dwolla is a very secure, quick and cheap way to make or receive payments online directly through your checking account. With free transactions bellow $10 and only 25 cents for any amount above it is definitely one of the most cost-effective platforms, although it does require both parties to have a Dwolla account.

        The good

        • Very low transaction fee of $0.25
        • Allows sender to assume transaction fee
        • Easy to use
        • Instant cash transfer

        The bad

        • Both parties need to have a Dwolla account to make payments
        • The service is only available in the US

        If you live in the US this is definitely one of the cheapest and fastest ways to send money, as long as you can convince others to sign up for an account.

        4. Google Wallet

        Google Wallet

          As far as storing all your debit and credit cards for quick and easy use goes, Google Wallet has proven to be a great option for many people. It is essentially an online wallet that contains your different cards, and it also has a card that you can use for in-store purchases.

          The good

          • Very safe and secure
          • Make payments from your smartphone
          • Easy to receive and send money

          The bad

          • Only available in the US
          • Sending money and topping off your balance from your credit card carries a 2.9% fee

          It is a very good payment solution, but it is limited to the US market.

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          5. Amazon Payments

          Amazon Payments

            With a good amount of functionality and a very simple checkout process, Amazon Payments is high up there as far as online payment solutions go. You don’t have to worry about fees up to a certain point and the transactions are fairly quick.

            The good

            • Send and receive up to $1000 monthly without any fees
            • Very reasonable transaction fees 2.9% +$0.30
            • Decent security and protection

            The bad

            • You need a US social security number to use the service

            Amazon Payments is a good and user-friendly service, but unfortunately limited to US users.

            6. Braintree

            Braintree

              Primarily geared towards online store owners and merchants, Braintree is a merchant account provider with a flat transaction fee and some useful options for improved customer satisfaction, e.g. multiple languages. You can integrate it into your website with a bit of programming skill and gain access to a fast and effective checkout option. It was purchased by PayPall and is available in most countries around the globe, supporting a great number of currencies.

              The good

              • Straightforward and reasonable pricing
              • Good customer support
              • A big list of useful features

              The bad

              • Requires merchant account
              • It takes some programming skill to implement

              Braintree is a very good choice for eCommerce websites if you are willing to put in a little work.

              7. Clickbank

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              Clickbank

                Clickbank allows an easy setup and fast transactions when it comes to selling digital content online. You get a good marketing platform with access to affiliates, so you can sell your digital content with ease.

                The good

                • Great for artists with talent, but no real online business skills
                • Reasonable flat start-up fee and 7% fee on all your sales
                • They take care of everything for you, allowing you to focus on your work

                The bad

                • It’s only really good for people looking to sell digital content online

                This is a good deal if you’re looking to sell digital content without too much hassle, but not a very versatile service otherwise.

                8. Selz

                Selz store

                  This is another quick and easy way of selling products online, especially for blogs and websites that don’t need to sell all that many items. Selz can be installed in a matter of minutes and is incredibly user friendly, allowing Visa and Master Card payments.

                  The good

                  • Users don’t leave the products page when buying
                  • Fast automated digital content delivery
                  • Easy to install “buy now” button
                  • Decent flat transaction fees of 5% +$0.25
                  • Users can sell from blog or social media pages

                  The bad

                  • Not really suited for a robust eCommerce website
                  • Limited payment options
                  • Limited shipping options for non-digital content

                  It is very simple and quick, but it is only really suitable for fairly small businesses, bloggers and artists looking for an easy solution to sell their work from their website or social media platform.

                  9. Stripe

                  Stripe

                    With Stripe you can accept payments from customers through use of a buy button that allows the transaction to happen on the same page, much like with Selz. There is a flat transaction rate of 2.9% + 30 cents and it is integrated with the most popular shopping cart options.

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                    The good

                    • Automatically deposits to an outside bank
                    • Accept payments from all over the world
                    • Mobile payments

                    The bad

                    • Will have to wait for a week after a transaction to collect your funds
                    • Requires some programming skills
                    • Only available for merchants in US, Canada, UK, Australia and Ireland

                    This is a good choice and well-priced option for those based in a few selected countries, with a bit of programing skills or a WordPress website where available plugins make integration a bit easier.

                    10. Payza

                    Payza

                      Online purchases, sending and receiving cash and sending out invoices are a breeze with Payza, formerly known as AlertPay. The service is geared towards both private users and companies, and has shopping carts and buy buttons that can be integrated with a website.

                      The good

                      • Receive money from around the world in a variety of currencies
                      • Offers shopping cart integration
                      • Good security
                      • Reasonable fees that wary from country to country
                      • Online and offline purchases with prepaid credit card

                      The bad

                      • A lot of people experience processing and verification issues
                      • Not the best customer support service

                      Payza is a decent option overall, with some good functionality, but there are still some problems here and there, and their support isn’t all that great.

                      All in all, there are quite a few good online payment options that give PayPal a run for its money. Whether you are a freelancer looking to receive payments, a blogger looking to monetize their blog or an online store owner who want to give visitors a good PayPal alternative, you will find these to be some great options.

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                      Ivan Dimitrijevic

                      SEO Consultant

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                      Published on November 8, 2018

                      How to Answer the Tough Question: What are Your Salary Requirements?

                      How to Answer the Tough Question: What are Your Salary Requirements?

                      After a few months of hard work and dozens of phone calls later, you finally land a job opportunity.

                      But then, you’re asked about your salary requirements and your mind goes blank. So, you offer a lower salary believing this will increase your odds at getting hired.

                      Unfortunately, this is the wrong approach.

                      Your salary requirements can make or break your odds at getting hired. But only if you’re not prepared.

                      Ask for a salary too high with no room for negotiation and your potential employer will not be able to afford you. Aim too low and employers will perceive as you offering low value. The trick is to aim as high as possible while keeping both parties feel happy.

                      Of course, you can’t command a high price without bringing value.

                      The good news is that learning how to be a high-value employee is possible. You have to work on the right tasks to grow in the right areas. Here are a few tactics to negotiate your salary requirements with confidence.

                      1. Hack time to accomplish more than most

                      Do you want to get paid well for your hard work? Of course you do. I hate to break it to you, but so do most people.

                      With so much competition, this won’t be an easy task to achieve. That’s why you need to become a pro at time management.

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                      Do you know how much free time you have? Not the free time during your lunch break or after you’ve finished working at your day job. Rather, the free time when you’re looking at your phone or watching your favorite TV show.

                      Data from 2017 shows that Americans spend roughly 3 hours watching TV. This is time poorly spent if you’re not happy with your current lifestyle. Instead, focus on working on your goals whenever you have free time.

                      For example, if your commute to/from work is 1 hour, listen to an educational Podcast. If your lunch break is 30 minutes, read for 10 to 15 minutes. And if you have a busy life with only 30–60 minutes to spare after work, use this time to work on your personal goals.

                      Create a morning routine that will set you up for success every day. Start waking up 1 to 2 hours earlier to have more time to work on your most important tasks. Use tools like ATracker to break down which activities you’re spending the most time in.

                      It won’t be easy to analyze your entire day, so set boundaries. For example, if you have 4 hours of free time each day, spend at least 2 of these hours working on important tasks.

                      2. Set your own boundaries

                      Having a successful career isn’t always about the money. According to Gallup, about 70% of employees aren’t satisfied with their current jobs.[1]

                      Earning more money isn’t a bad thing, but choosing a higher salary over the traits that are the most important to you is. For example, if you enjoy spending time with your family, reject job offers requiring a lot of travel.

                      Here are some important traits to consider:

                      • Work and life balance – The last thing you’d want is a job that forces you to work 60+ hours each week. Unless this is the type of environment you’d want. Understand how your potential employer emphasizes work/life balance.
                      • Self-development opportunities – Having the option to grow within your company is important. Once you learn how to do your tasks well, you’ll start becoming less engaged. Choose a company that encourages employee growth.
                      • Company culture – The stereotypical cubicle job where one feels miserable doesn’t have to be your fate. Not all companies are equal in culture. Take, for example, Google, who invests heavily in keeping their employees happy.[2]

                      These are some of the most important traits to look for in a company, but there are others. Make it your mission to rank which traits are important to you. This way you’ll stop applying to the wrong companies and stay focused on what matters to you more.

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                      3. Continuously invest in yourself

                      Investing in yourself is the best investment you can make. Cliche I know, but true nonetheless.

                      You’ll grow as a person and gain confidence with the value you’ll be able to bring to others. Investing in yourself doesn’t have to be expensive. For example, you can read books to expand your knowledge in different fields.

                      Don’t get stuck into the habit of reading without a purpose. Instead, choose books that will help you expand in a field you’re looking to grow. At the same time, don’t limit yourself to reading books in one subject–create a healthy balance.

                      Podcasts are also a great medium to learn new subjects from experts in different fields. The best part is they’re free and you can consume them on your commute to/from work.

                      Paid education makes sense if you have little to no debt. If you decide to go back to school, be sure to apply for scholarships and grants to have the least amount of debt. Regardless of which route you take to make it a habit to grow every day.

                      It won’t be easy, but this will work to your advantage. Most people won’t spend most of their free time investing in themselves. This will allow you to grow faster than most, and stand out from your competition.

                      4. Document the value you bring

                      Resumes are a common way companies filter employees through the hiring process. Here’s the big secret: It’s not the only way you can showcase your skills.

                      To request for a higher salary than most, you have to do what most are unwilling to do. Since you’re already investing in yourself, make it a habit to showcase your skills online.

                      A great way to do this is to create your own website. Pick your first and last name as your domain name. If this domain is already taken, get creative and choose one that makes sense.

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                      Here are some ideas:

                      • joesmith.com
                      • joeasmith.com
                      • joesmithprojects.com

                      Nowadays, building a website is easy. Once you have your website setup, begin producing content. For example, if you a developer you can post the applications you’re building.

                      During your interviews, you’ll have an online reference to showcase your accomplishments. You can use your accomplishments to justify your salary requirements. Since most people don’t do this, you’ll have a higher chance of employers accepting your offer

                      5. Hide your salary requirements

                      Avoid giving you salary requirements early in the interview process.

                      But if you get asked early, deflect this question in a non-defensive manner. Explain to the employer that you’d like to understand your role better first. They’ll most likely agree with you; but if they don’t, give them a range.

                      The truth is great employers are more concerned about your skills and the value you bring to the company. They understand that a great employee is an investment, able to earn them more than their salary.

                      Remember that a job interview isn’t only for the employer, it’s also for you. If the employer is more interested in your salary requirements, this may not be a good sign. Use this question to gauge if the company you’re interviewing is worth working for.

                      6. Do just enough research

                      Research average salary compensation in your industry, then wing it.

                      Use tools like Glassdoor to research the average salary compensation for your industry. Then leverage LinkedIn’s company data that’s provided with its Pro membership. You can view a company’s employee growth and the total number of job openings.

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                      Use this information to make informed decisions when deciding on your salary requirements. But don’t limit yourself to the average salary range. Companies will usually pay you more for the value you have.

                      Big companies will often pay more than smaller ones.[3] Whatever your desired salary amount is, always ask for a higher amount. Employers will often reject your initial offer. In fact, offer a salary range that’ll give you and your employer enough room to negotiate.

                      7. Get compensated by your value

                      Asking for the salary you deserve is an art. On one end, you have to constantly invest in yourself to offer massive value. But this isn’t enough. You also have to become a great negotiator.

                      Imagine requesting a high salary and because you bring a lot of value, employers are willing to pay you this. Wouldn’t this be amazing?

                      Most settle for average because they’re not confident with what they have to offer. Most don’t invest in themselves because they’re not dedicated enough. But not you.

                      You know you deserve to get paid well, and you’re willing to put in the work. Yet, you won’t sacrifice your most important values over a higher salary.

                      The bottom line

                      You’ve got what it takes to succeed in your career. Invest in yourself, learn how to negotiate, and do research. The next time you’re asked about your salary requirements, you won’t fumble.

                      You’ll showcase your skills with confidence and get the salary you deserve. What’s holding you back now?

                      Featured photo credit: LinkedIn Sales Navigator via unsplash.com

                      Reference

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