Best for: Online businesses and startups wanting a developer-friendly gateway
✓ Wide payment method support
✓ Payment links without a website
Best Payoneer alternatives
Payoneer is best for freelancers and marketplace sellers paid by global platforms. If that is not you — or price, features or availability in your country do not fit — these 28 alternatives are worth a look.
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| Software | Best for | Free plan | Origin | |
|---|---|---|---|---|
| Online businesses and startups wanting a developer-friendly gateway | Verify | IN | Visit | |
| Businesses that need both collections and payouts | Verify | IN | Visit | |
| E-commerce and education businesses with mixed payment methods | Verify | NL | Visit | |
| Micro businesses and creators selling without a full website | Verify | IN | Visit | |
| Businesses needing many payment options and international cards | Verify | IN | Visit | |
| Businesses whose customers mostly pay by UPI | Verify | IN | Visit | |
| Online businesses and SaaS companies taking card payments internationally | Verify | US | Visit | |
| Freelancers and small sellers getting paid by international buyers | Verify | US | Visit | |
| Freelancers, agencies and exporters receiving and paying in foreign currencies | Verify | GB | Visit | |
| Businesses collecting recurring payments by bank debit | Verify | GB | Visit | |
| Market traders, cafés and small shops in Europe, the UK and Latin America | Verify | GB | Visit | |
| European online shops wanting simple payments | Verify | NL | Visit | |
| Online businesses in the Gulf accepting local payment methods | Verify | KW | Visit | |
| Merchants in Saudi Arabia, the UAE, Egypt and Jordan | Verify | SA | Visit | |
| UAE and Saudi online shops | Verify | AE | Visit | |
| Businesses accepting payments in Indonesia and the Philippines | Verify | ID | Visit | |
| Businesses accepting payments in Nigeria, Ghana, Kenya and South Africa | Verify | NG | Visit | |
| Businesses selling across many African countries | Verify | NG | Visit | |
| Businesses accepting payments in Latin America | Verify | AR | Visit | |
| Freelancers and service businesses who just need professional invoices | Yes | IN | Visit | |
| Freelancers and service businesses billing clients for time | No (trial may exist) | CA | Visit | |
| Freelancers and agencies sending GST and export invoices | Yes | IN | Visit | |
| Freelancers finding international clients | Yes | US | Visit | |
| Freelancers selling packaged services (gigs) | Yes | IL | Visit | |
| Freelancers and teams tracking billable time | Yes | EE | Visit | |
| Free unlimited time tracking for teams | Yes | US | Visit | |
| Freelancers wanting contracts, proposals and invoices together | No (trial may exist) | US | Visit | |
| Creative service businesses managing clients | No (trial may exist) | US | Visit |
Best for: Businesses that need both collections and payouts
✓ Collections plus bulk payouts
✓ Payment links and forms
Best for: E-commerce and education businesses with mixed payment methods
✓ Many payment options including EMI
✓ Established provider
Best for: Micro businesses and creators selling without a full website
✓ Very quick to start
✓ Payment links and free store builder
Best for: Businesses needing many payment options and international cards
✓ Broad payment coverage
✓ Multi-currency processing
Best for: Businesses whose customers mostly pay by UPI
✓ Familiar UPI brand for customers
✓ UPI-focused checkout
Best for: Online businesses and SaaS companies taking card payments internationally
✓ Excellent API and documentation
✓ Subscriptions, invoicing and tax tools
Best for: Freelancers and small sellers getting paid by international buyers
✓ Buyers worldwide already trust it
✓ Simple invoicing
Best for: Freelancers, agencies and exporters receiving and paying in foreign currencies
✓ Transparent fees and real exchange rates
✓ Local account details for USD, GBP, EUR and more
Best for: Businesses collecting recurring payments by bank debit
✓ Lower fees than cards for recurring payments
✓ Automatic retries for failed payments
Best for: Market traders, cafés and small shops in Europe, the UK and Latin America
✓ Affordable card readers with no monthly fee
✓ Payment links and invoices
Best for: European online shops wanting simple payments
✓ Many European payment methods
✓ Easy plugins for shops
Best for: Online businesses in the Gulf accepting local payment methods
✓ Regional methods like mada and KNET
✓ Payment links and invoices
Best for: Merchants in Saudi Arabia, the UAE, Egypt and Jordan
✓ Wide MENA coverage
✓ Payment links without a website
Best for: UAE and Saudi online shops
✓ Strong UAE presence
✓ Many currencies
Best for: Businesses accepting payments in Indonesia and the Philippines
✓ Local methods like e-wallets and QRIS
✓ Developer-friendly API
Best for: Businesses accepting payments in Nigeria, Ghana, Kenya and South Africa
✓ Local payment methods
✓ Developer-friendly
Best for: Businesses selling across many African countries
✓ Wide African coverage
✓ Payment links and store
Best for: Businesses accepting payments in Latin America
✓ Widely used across Latin America
✓ QR and card readers
Best for: Freelancers and service businesses who just need professional invoices
✓ Free to use
✓ Clean invoice templates
Best for: Freelancers and service businesses billing clients for time
✓ Very easy invoicing
✓ Time tracking built in
Best for: Freelancers and agencies sending GST and export invoices
✓ Good for service businesses
✓ Multi-currency invoices for export clients
Best for: Freelancers finding international clients
✓ Global client base
✓ Payment protection
Best for: Freelancers selling packaged services (gigs)
✓ Easy gig model
✓ Global buyers
Best for: Freelancers and teams tracking billable time
✓ Free plan
✓ One-click tracking
Best for: Free unlimited time tracking for teams
✓ Free for unlimited users
✓ Timesheets
Best for: Freelancers wanting contracts, proposals and invoices together
✓ Templates for contracts and proposals
✓ Client portal
Best for: Creative service businesses managing clients
✓ Smooth client experience
✓ Automations
1
Visit site
Razorpay Made for India
Best for: Online businesses and startups wanting a developer-friendly gateway
Payment gateway with UPI, cards, netbanking and wallets, plus payment links, pages, subscriptions and invoices.
Pros
- Wide payment method support
- Payment links without a website
- Good developer documentation
Cons
- Fees and settlement terms vary by business type
- KYC approval required
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
2
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Cashfree Payments Made for India
Best for: Businesses that need both collections and payouts
Payment gateway and payouts platform supporting UPI, cards and bank transfers.
Pros
- Collections plus bulk payouts
- Payment links and forms
Cons
- KYC and approval needed
- Compare fees for your volume
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
3
Visit site
PayU India Made for India
Best for: E-commerce and education businesses with mixed payment methods
Payment gateway with UPI, cards, EMI and Buy Now Pay Later options.
Pros
- Many payment options including EMI
- Established provider
Cons
- Onboarding and fees depend on business category
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
4
Visit site
Instamojo Made for India
Best for: Micro businesses and creators selling without a full website
Payment links and a simple online store builder for small sellers.
Pros
- Very quick to start
- Payment links and free store builder
Cons
- Fewer advanced features for scaling
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways, E-commerce Platforms
5
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CCAvenue Made for India
Best for: Businesses needing many payment options and international cards
One of India's long-running payment gateways with broad payment method coverage.
Pros
- Broad payment coverage
- Multi-currency processing
Cons
- Dashboard feels dated
- Check fees carefully
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
6
Visit site
PhonePe Payment Gateway Made for India
Best for: Businesses whose customers mostly pay by UPI
Payment gateway from PhonePe with UPI-first checkout plus cards and netbanking.
Pros
- Familiar UPI brand for customers
- UPI-focused checkout
Cons
- Check availability of features for your category
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
7
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Stripe
Best for: Online businesses and SaaS companies taking card payments internationally
Global payments platform for accepting cards, wallets and local payment methods online, with subscriptions, invoicing and strong developer tools.
Pros
- Excellent API and documentation
- Subscriptions, invoicing and tax tools
- Available in dozens of countries
Cons
- Pay-per-transaction fees add up at scale
- Account reviews can delay payouts for new businesses
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
8
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PayPal Business
Best for: Freelancers and small sellers getting paid by international buyers
Widely trusted payment service for receiving money from customers abroad, sending invoices and adding checkout buttons to websites.
Pros
- Buyers worldwide already trust it
- Simple invoicing
- Quick website checkout buttons
Cons
- Currency conversion and receiving fees are high
- Disputes can freeze funds
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
9
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Wise Business
Best for: Freelancers, agencies and exporters receiving and paying in foreign currencies
Multi-currency business account with local bank details in several currencies and transfers at the mid-market exchange rate.
Pros
- Transparent fees and real exchange rates
- Local account details for USD, GBP, EUR and more
- Batch payments
Cons
- Product range differs by country — check what is available in India
- Not a full bank account everywhere
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways, Freelancer & Agency Tools
Payment platform for direct debit and bank payments, popular for subscriptions and recurring invoices in the UK and Europe.
Pros
- Lower fees than cards for recurring payments
- Automatic retries for failed payments
- Integrates with Xero and QuickBooks
Cons
- Bank payments take days to settle
- Not for one-off card checkouts
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
11
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SumUp
Best for: Market traders, cafés and small shops in Europe, the UK and Latin America
Low-cost card readers and point-of-sale app with payment links and online store for small merchants.
Pros
- Affordable card readers with no monthly fee
- Payment links and invoices
- Simple app
Cons
- Not available in India
- Fees on every transaction
- Free plan
- Verify
- Pricing
- See provider
- Also in
- POS Software, Payment Gateways
European payment provider supporting cards, iDEAL, Bancontact, SEPA and other local methods with simple pricing.
Pros
- Many European payment methods
- Easy plugins for shops
- No monthly fee
Cons
- Europe-only merchants
- Fees per payment method vary
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Payment gateway for the Middle East supporting cards, mada, KNET, Benefit, Apple Pay and other regional methods.
Pros
- Regional methods like mada and KNET
- Payment links and invoices
- Fast onboarding
Cons
- Middle East coverage only
- Fees vary by method
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Payment gateway for MENA businesses with cards, mada, Apple Pay, payment links and invoicing.
Pros
- Wide MENA coverage
- Payment links without a website
- Plugins for popular carts
Cons
- Onboarding needs business documents
- Fees differ by country
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Dubai-based payment gateway with cards, wallets, payment links and plugins for popular e-commerce platforms.
Pros
- Strong UAE presence
- Many currencies
- Quick plugins
Cons
- Regional focus
- Setup and monthly fees on some plans
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Payment gateway for South-East Asia with bank transfers, e-wallets, cards and QR payments.
Pros
- Local methods like e-wallets and QRIS
- Developer-friendly API
- Disbursements
Cons
- Coverage limited to SEA
- Fees vary by method
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
17
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Paystack
Best for: Businesses accepting payments in Nigeria, Ghana, Kenya and South Africa
Stripe-owned African payment gateway for cards, bank transfers, USSD and mobile money.
Pros
- Local payment methods
- Developer-friendly
- Backed by Stripe
Cons
- Africa-only merchants
- Fees vary by country
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Pan-African payments company supporting cards, mobile money and bank transfers in many currencies.
Pros
- Wide African coverage
- Payment links and store
- Many currencies
Cons
- Compliance reviews can be slow
- Fees differ by market
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Payments and fintech platform from Mercado Libre with QR codes, card readers, payment links and online checkout.
Pros
- Widely used across Latin America
- QR and card readers
- Online checkout
Cons
- Latin America only
- Fees vary by country
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
20
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Zoho Invoice Made for India
Best for: Freelancers and service businesses who just need professional invoices
A focused invoicing app for quotes, invoices, time tracking and payment reminders.
Pros
- Free to use
- Clean invoice templates
- Recurring invoices and reminders
Cons
- No full bookkeeping
- Upgrade to Zoho Books for accounting
- Free plan
- Yes
- Pricing
- See provider
- Also in
- Billing & Invoicing Software, Freelancer & Agency Tools
Invoicing-first accounting software with time tracking, expenses and client portals.
Pros
- Very easy invoicing
- Time tracking built in
- Good client experience
Cons
- Pricing tiers limit billable clients
- Less suited to inventory businesses
- Free plan
- No (trial may exist)
- Pricing
- See provider
- Also in
- Billing & Invoicing Software, Accounting Software
22
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Refrens Made for India
Best for: Freelancers and agencies sending GST and export invoices
Invoicing and accounting platform for freelancers and small businesses, with quotations, expenses and client management.
Pros
- Good for service businesses
- Multi-currency invoices for export clients
- Free tier to start
Cons
- Inventory features are basic
- Free plan
- Yes
- Pricing
- See provider
- Also in
- Billing & Invoicing Software, Accounting Software
Large freelance marketplace for projects and hourly work.
Pros
- Global client base
- Payment protection
Cons
- Service fees
- Competitive
- Free plan
- Yes
- Pricing
- See provider
- Also in
- Freelancer & Agency Tools
Freelance marketplace for fixed-price service packages.
Pros
- Easy gig model
- Global buyers
Cons
- Platform fees
- Free plan
- Yes
- Pricing
- See provider
- Also in
- Freelancer & Agency Tools
Simple time tracker with reports and integrations.
Pros
- Free plan
- One-click tracking
Cons
- Billing features paid
- Free plan
- Yes
- Pricing
- See provider
- Also in
- Project Management Tools, Freelancer & Agency Tools
Free time tracker and timesheet app for unlimited users.
Pros
- Free for unlimited users
- Timesheets
Cons
- Advanced features paid
- Free plan
- Yes
- Pricing
- See provider
- Also in
- Project Management Tools, Freelancer & Agency Tools
All-in-one freelance business software.
Pros
- Templates for contracts and proposals
- Client portal
Cons
- Paid only
- Free plan
- No (trial may exist)
- Pricing
- See provider
- Also in
- Freelancer & Agency Tools
Client flow platform for proposals, contracts, invoices and scheduling.
Pros
- Smooth client experience
- Automations
Cons
- US/Canada focused
- Free plan
- No (trial may exist)
- Pricing
- See provider
- Also in
- Freelancer & Agency Tools