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Hi, Everyone…

Today I want to talk about options to the payment gateway PayPal, ones you can use in lieu of or in addition to PayPal, and why you need to think about all this now. This is an issue that has come up recently when some of the big-time marketers have had their PayPal accounts shut down for apparently no reason.

Many people in the online business may not be selling online, perhaps they are doing affiliate marketing. For even these people I would recommend reading through this post, as you need to be aware of what is going on. It affects you as well.

I will start out with the background of payment gateways, what they are used for, then move on to the options that are available. PayPal has been the standard for so long that it is widely used and accepted by people who buy online. They have become used to it.

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What Are Payment Gateways?

These are the secure sites that are PCI compliant and secure (meaning they are set up with additional security measure to protect sensitive data from buyers such as credit card information, access to bank accounts, and other personal details).

Many online marketers use them, as it can be quite expensive to set up your own gateway. It is easier to use a ready-made solution that you can simply plug-in and take payments with. This comes at a cost, of course, as it is expensive to provide this security (and the companies providing this have to make a profit too).

The gold standard for years has been PayPal. It is what most online marketers have used with few problems, until recently. Apparently, PayPal has been tightening their standards when it comes to the kind of business they want to provide service for.

Here are some of the services you can use with PayPal that make it such an attractive option for so many and also why it has become so popular:

  • It allows fast secure payment processing, both in-person and online
  • There is very transparent pricing and it starts as low as 2.7%
  • You can process mass payments of up to 5,000 payments at one time
  • There is a customizable invoicing tool and the charge is 2.9% + $0.30, incurred by invoicer
  • You have an API for integrations if you need it for software development
  • E-Marketers use the gateways for their e-commerce businesses


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Credit: Shopify Partners from Burst

Why Should We All Care?

As you may have heard, there have been some major scandals recently with unscrupulous online marketers scamming people in a major way. Millions of dollars have been milked from unsuspecting people that are promised one thing, but get something entirely different once they pay.

This is not the focus of today’s post, but it is worth having a look at if you have time. It seems that many regulatory entities are paying attention more now than ever to scammers. That is not necessarily a bad thing. Sales pages are being looked at, false or fake claims are being questioned, and accounts are getting shut down.

For the overall market, that is all a good thing. It will help clean up the sometimes dirty making money online segment of the market. I support that move, as these people give ethical marketers a bad reputation, and undeservedly so.

Unfortunately, there are some ethical vendors that are getting caught up in this stricter enforcement. They may have reviewers looking at their sales pages or offers with a jaundiced eye, who then make recommendations to the management and voila, your business is shut down.


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Credit: Nicole De Khors, Burst

What Are Other Options To PayPal?

Many innovations and advances in the payment gateway market mean that as comfortable as it was and is using a familiar gateway like Paypal, common sense says that you need to have a viable backup to PayPal. If you do not you will end up losing all your business if you unexpectedly or for no reason lose access to your PayPal account.

This has happened to more than a few marketers that I personally know who are selling massive quantities of product through the major affiliate platforms like JVZoo, Warrior Plus, or similar. When they get shut down by Paypal, it can cause major headaches fast.

Not only does PayPal hold your money for up to 6 months, but they can also block you for life from ever using the platform again for your business. This is devastating of course, and those affected often had no alternative in place for accepting money. Their business was dead in the water.

If you are an affiliate, this means that you will likely not get paid commissions due without a long delay if ever. Most businesses will go broke over a 6 month period with no ability to access their money nor any means to take payments. I am waiting on $80 for over a year now and likely will never get paid. It happens.

UPDATE: From the Facebook Private Group, here is a bit of advice for those you may have had their PayPal account shut down for what they think is no valid reason:

Hello, Guys,
for those who got their PAYPAL Account shut down, I’d like to share an Email with a guide I just found these days in my inbox. I hope that helps you out.

Here is the full email I got:

“Have you been affected by the 2018/2019 PayPal purge
as well?

If you have been, then I am sure you will be interested to hear that there is a possible solution for you.

As hundreds, if not thousands of other Internet Marketers, I also got hit by the PayPal purge. In the middle of December 2018, my two PayPal accounts (2 business entities) both got a permanent account suspension with just vague information on why it happened.

But just 9 days later (shortly after Christmas), both accounts were reinstated and I was again able to send and
receive payments as well as access the funds I was told are frozen for 180 days, just 9 days before.

How did I do it? Did the same approach work for others? What other options are there if you either can’t get the account back or simply have enough of ever dealing with
PayPal again?

Let me share with you the exact steps I took to get my PayPal accounts back. These steps where then also used
by a former business partner of mine who woke up one morning just to see that his four PayPal account where
all permanently suspended. He got all his accounts back as well, after just a few days.

These are the 14 steps that we followed…

1. Call PayPal… email alone will not get you anywhere.

2. Mention that you didn’t break any of their terms or
conditions or AUP since you opened your PayPal account
in ####. Obviously… make sure you didn’t! Read their
terms and AUP first.

3. Ask them: How can I help you clear up this
misunderstanding? Most suspended accounts in this purge
seem to simply be found guilty by association or guilty
until proven innocent. So, if you don’t get from PayPal
the exact reason why your account was suspended and the
reason they give is unclear (as with the big majority
that was affected), offer to help them resolve this

4. Your PayPal account manager will at this point hopefully
escalate your case to the Risk Management department.
If he doesn’t right away, keep talking with him. Ask
questions about the exact reason why your account was
suspended. Point out how this negatively affects your
business and how you will gladly help PayPal to resolve
this misunderstanding.

5. The Risk Management department will tell you what
information or documents they want from you. In my
case, they asked for Business Plans for each of the
websites I use PayPal on. If they ask you for the
same, but don’t own web site, but earn your money as
an affiliate marketer, provide them with a list of the
site you currently promote, what products they offer,
their compensation plan (should only be commissions on
personally referred sales as PayPal tends to be allergic
to anything that sounds like MLM) and mention that you
will gladly stop promoting any site that PayPal doesn’t
allow you to promote.

6. Provide all requested details and documents via email
and also in the PayPal area if they ask for them there
as well.

7. Wait 15 minute, then follow up with a phone call.

8. Ask if they received the details and documents you
provided to them as requested.

9. Ask them: Is there anything else I can help you with
to speed up the process of clearing up this
misunderstanding? Also, ask them how many days to
wait before following up with them on this issue.

10. Wait for them to remove your account limitation or
to contact you to request more information or
documents. If they ask for more details, loop back
to step #6.

11. If they remove your account limitation, skip to step #15.

12. If they don’t remove your account limitation nor
reply to you within 2-3 business days (or longer
if they told you it will take longer), call them

13. Ask them: Is there anything else I can help you with
to speed up the process to clear up this

14. Loop to step #10.

15. Congratulations, you got your PayPal account back. 1f642 - PayPal Alternatives and Why You Should Secure One Now!

I hope you get your PayPal account back as well. If not,
or if you simply had enough of ever dealing with PayPal
again, there is another option.

Let me introduce you to… ORU Market!

They allow you to sell products to your customers in USD
with no fees. Your customers can fund their ORU account
with PayPal, Credit or Debit cards, so you don’t have to
have your own PayPal or merchant account. You can also
pay your affiliates in USD using ORU Pay. And all ORU
members can spend their funds or get cash at ATM’s worldwide
using the ORU Prepaid Visa Card. ORU is available in 96
countries for a one-time activation fee of $24.99 to get
your Prepaid Visa card shipped and just $5.95/mth.

Why would you pay $5.95 a month for the ORU Payment

Think about it. How much in fees did you or are you
paying PayPal everytime you bought or buy something?
And how much in fees did you or are you paying to PayPal
when you received any money?

For me, it is way more than $5.95 a month! And you paid
PayPal month after month and year after year only to be
treated so badly!

– ORU has no fees for buying or selling.
– ORU has no chargebacks and disputes.
– ORU does not Limit or Freeze your account.

Check out ORU right now and I am sure you will also like what you see. 1f642 - PayPal Alternatives and Why You Should Secure One Now!

Hope that helps you out Tom Yevsikov.
Have a great weekend

Tom is a well-known person in the IM market, so this seems like some pretty solid advice. BUT, I would nonetheless look at alternatives, because you may not have the same outcome as Tom had. He obviously had paperwork ready and was willing to go that extra mile (lots of calls and following up)…

This checklist may be handy for you to pass on to any vendors who have had their account shut down and cannot pay you. It is worth a shot, you don’t want to lose money as I have, even if it is only $80, like me! The procedure seems simple enough, if a pain to go through…

But, this brings us back to having a solution while this process in underway. Who knows how much business you will lose while the above happens, and what about the customers who are not being taken care of (and affiliates if you are working with them)?


Alternatives to PayPal…

There are many, and JVZoo and Warrior Plus have both reacted to this tightening of the standards by PayPal by developing options that work through their platform.

In the case of Warrior Plus, they have designed a virtual wallet that you can add payments to, and in the case of JVZoo, they have just announced a working relationship with a gateway called Zift.

These two major platforms have reacted on behalf of the many vendors that have had their PayPal accounts closed arbitrarily. This is a fine example of adapting to a changing market.

It is what we all must do as online marketers. Whether it is Google with their crackdowns on search engine manipulation or whether it is the move from offline to online shopping, or the growing power of social platforms, we have to adapt or perish.

Here are some viable alternatives that you can consider in addition to Paypal:

(1) Google Wallet

Google Wallet is an app and web platform that allows users to send and receive money using their email address and phone number. You can connect the service directly to your bank account and also use it to track your expenses and payments over time. Although this is not a service that has been around for a long period of time, it is becoming more widely used.

(2) Stripe

Stripe is a software platform that allows you to accept credit card payments online. But the tools are also flexible so you can set them up to accept subscription payments or make it fit with the specific needs of your business. It is one of the best known and most used options by online marketers.

(3) Venmo

Venmo has become a popular platform for individuals looking to send money and share expenses. But it can also have business applications for those who want to make it easier for customers on mobile devices and social media apps to make purchases using Venmo. For mobile shoppers, I have seen this requested as a payment gateway quite often (I operate online e-commerce stores).

(4) Amazon Payments

Amazon Payments gives online merchants a way to accept payments through Amazon’s online platform. So for customers who have payment information saved on their Amazon account, they can really easily just log in and use that same payment method in other stores that use the platform. This is providing convenience to the shoppers and it is all about the user experience. If you are selling on Amazon, I recommend you consider adding this payment gateway.

(5) Square

Square is perhaps best known for it’s POS system for businesses that need to accept credit card payments in person. You may have heard of them from other offline business owners in this regard. But they also offer payment tools for e-commerce and appointment-based business owners. Processing fees start at 2.75 percent per transaction, competitive to other gateways.

(6) Payline

Payline is a gateway that can provide different options for payment via mobile, online, or in-store purchases. Fees start at 20 cents per transaction plus 5 percent overall. They have a good reputation in the market and the fees are reasonable.

(7) Payza

Payza is a payment platform that I have worked with and it does the job well. It allows you to accept credit cards, pay via bank accounts (ACH), or even using Bitcoin. The platform supports e-commerce businesses and even offers a Payza card to make purchasing even easier for customers. Accounts and sending money are free. And there are minimal transaction and Bitcoin processing fees. This is an option I am trying now, and so far it is working well.

(8) Skrill

Skrill is a digital payment platform that is especially suited for online merchants, app developers, and even game creators who need to accept payments via mobile or on a laptop. It has a good reputation and reasonable fees.

(9) WePay

WePay is an integrated payment platform that can help you accept payments from customers, send invoices and even manage things like marketing automation. It also is being used by such sites as GoFundMe and is backed by Chase Bank I think.

(10) is another payment gateway that I have heard many online marketers are using. I have not tried it but their reputation is good. They provide payment processing for businesses that are selling in stores, online or on a remote site. Their pricing starts at 2.9 percent plus 30 cents per transaction. Again, these rates are competitive.

(11) Intuit

QuickBooks from Intuit includes as a part of their package a platform where businesses can send invoices and accept payments from anywhere. Their fees start at 25 cents per transaction plus 2.4 percent. I have just started with QuickBooks for our new LLC, so I will be tapping into this service, the rates are competitive and the convenience is there for us.

(12) Shopify Payments

Shopify Payments is a platform you can tap into if you run a Shopify e-commerce store. The company also has a POS system for those businesses that may need to accept payments in person as well. There are any number of occasions when this may be required, so that is a good feature. Their rates are competitive from what I have seem (I have one Shopify store).

(13) ProPay

ProPay is a payment gateway that caters to everyone from a small business such as mine to large enterprise businesses. They support transactions for credit cards, bank transfers, mobile payments and more. Very versatile platform and used by many. I have heard good things, but have not tried it myself.

(14) Worldpay

Worldpay is a global payment platform and it allows you to accept payments both online and face to face. The company deals with many forms of currency and offers specialized data and optimization tools. I have an account but have not started to use it much as of now.

(15) is a platform to consider as it has no setup fees nor contracts. You can accept payment via credit card both online and in bricks and mortar stores. I do not know much about this one, but it may be worth checking out as there are no setup fees.

(16) 2Checkout

2Checkout is another payment gateway that I have heard many online marketers talk about. It offers a mobile-friendly hosted checkout process and has advanced security plus gives you a global reach. Pricing for the service starts at 2.9 percent and 30 cents per transaction. This is perfect for companies such as myself where we are selling globally.

(17) Popmoney

Popmoney is a service that provides sending, requesting, or receiving of money either online or via your mobile device. For online businesses, this is a tool that works best with a company or client you have regular transactions with. The service has straightforward pricing at 95 cents per transaction. This can save you money over time especially if you are doing a lot of transactions, i.e. with a manufacturer that you may be working with.

(18) Paymate

Paymate’s is a merchant service and it allows businesses to accept the normal credit card payments either online, in person, or over the phone. you can do these transactions in multiple currencies and they also have support and dispute resolution services. Depending on your requirements, this may be of interest.

(19) Payoneer

Payoneer is another well-known gateway in the online marketing circles. They specialize in enabling international money transfers, but you can also use them to bill customers, complete bank transfers and even manage your accounts. It has a good reputation with marketers.

(20) Dwolla

Dwolla is more of interest if you want to develop your own application for payments. They have an API that is easy to work with and you can create your own solutions for bank transfers, purchases, and taking care of customers. Their interface quickly facilitates transfers or you can integrate their API. For small businesses like mine, this is more complex than what I want to deal with. I would rather outsource a solution and pay for it. There are some businesses that would find this useful, however.

(21) Braintree

Braintree is really a subsidiary of PayPal and the features are similar. It provides a platform for businesses to accept, process and split payments. They have different solutions available depending on your business, and they also support marketplace and direct services. Their reputation is good with the online marketers I have talked to. I have not tried them.

(22) Paysera

Paysera is a gateway that offers cheap money transfers for businesses and also is a platform to accept online plus mobile payments. There is no cost to register and merchants who use the platform just pay fees for the services they use, i.e. checkout, e-banking, and the like. I do not know much about them, but they do not have a bad reputation with online marketers, so good by virtue of not being bad, I guess.

(23) PayLane

PayLane is a payment solution specifically for SaaS and e-commerce businesses. The platform allows businesses to accept payments in many different formats and currencies. It might be ideal for a membership site, for instance, or perhaps an online niche store would find this platform useful.

(24) Wirecard

Wirecard is another payment gateway that offers end-to-end payment solutions. It is used by merchants and other types of businesses mainly for payment processing, mobile payment solutions, controlling risk and more. I cannot say much about this gateway, I have not heard anything negative but know of no online marketer in my circle that is using the platform.

(25) BlueSnap

BlueSnap is a gateway that I also have heard feedback from marketers on. Mainly positive experiences, they offer payment processing for online stores plus they also deal in web and mobile app development. Customers can pay using credit cards, ACH bank transfers, or even via online accounts like PayPal.

(26) Merchant Inc

Merchant Inc is another gateway that I know little about. From their website, I know they do credit card processing for businesses accepting payments online, in person, or even over the phone. Their charges are 1.99 percent plus 25 cents per transaction. The prices are very competitive.

(27) Selz

Selz gateway will allow businesses to process customer payments either from online stores or through the social media platforms. The site also allows you to set up an online storefront or sell p