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We look at 5 Pay Pal alternatives that you might consider switching to, or using in conjunction. It might be because you signed up to pay a seller on e Bay, or because you run an online store that uses Pay Pal to take payments, something that is now possible offline.

The fact is, Pay Pal is an immense presence that many people around the world rely on.

Interestingly, Google Wallet has started offering users free debit cards Google Wallet is now offering their US users a free debit card for offline purchases anywhere that accepts Mastercard or debit cards, as well as withdrawing cash from your Wallet account at ATMs and banks. Based in the UK, Nochex is a relatively small service compared to the others mentioned here, but there is a strong chance that you have used it as an alternative to Pay Pal already, or at least seen it listed as a payment option.

Integrated into over 50 shopping carts and online store applications, Nochex is also listed as an acceptable payment method on e Bay, although its full integration into the system has taken some time.

With Amazon’s usual protection also safeguarding the transaction, this is one of the stronger alternatives to Pay Pal.

We’re just a little surprised it hasn’t been more widely adopted.

Payoneer, Skrill (which we’ve looked at previously), Payza and Paymate all offer something new and different, but struggle to bring the same sort of competence and trust to online payments as Pay Pal’s more established competition.

They’re promising alternatives, but lack the resources to provide comprehensive support.

Such competition offers opportunities for consumers, with the potential for strong innovation. For instance, We Pay, an option that has been around since 2008 and cornered the market in donations to charities and crowdfunding projects, is particularly painful to use for some business owners.Just a few years ago, Pay Pal had the honour of being the online payment solution that everyone used, whether they wanted to or not.With the arrival of Apple, Google and Amazon into the arena, more and more people are realising that actually, they don’t need to use Pay Pal, especially if they’re already invested in the ecosystem of one of the three big competitors.There is a good chance that you’re happy with Pay Pal.Perhaps you’re fully invested in their way of doing things. Pay Pal accounts regularly get blocked, either because they’ve been hijacked (although in my experience, Pay Pal are always slower to act than the user) or because (according to those who have had their accounts blocked) someone at Pay Pal made a decision that didn’t reflect that facts.

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Available for i Phone and various Android devices (among them, the HTC One, LG Nexus 5, Motorola Moto X, various Samsung Galaxy handsets), Google Wallet has yet to hit the big time worldwide, but is among the top Pay Pal alternatives for US users.

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