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Best eWallet for Freelancers – That’s Not PayPal

eWallets are becoming an essential for cashless transactions, especially for freelancers. The most well known and most trusted ewallet globally is PayPal as it is available in over 200 countries supporting as much as 25 currencies. However, there are still many alternative digital platforms that guarantee safe and secure transactions which are readily available.

The great thing about having an ewallet is the sense of security when you’re doing online transactions. It also provides convenience to users because it is where their money can be stored online and provides an easy way of sending and receiving money.

Which is better PayPal or Others?

You can access an ewallet through their website or mobile application where you can monitor all your transactions and other offers by the different companies. Secured, accessible, and competitive exchange rates are the things that freelancers consider for choosing an ewallet. Find out other ewallet platforms other than PayPal!


Alipay is one of the trusted platforms commonly used in Mainland China and Hongkong with over 1 billion users. It is best to use if you’re a merchant or a shopper as they provide the services suited for them.


  • Payment collection from shoppers in order to buy foreign currency and remittance to the receiving bank account of merchants in settlement.
  • Large transactions are allowed.
  • Access  to the Chinese market at a low cost for international merchants.
  • Chinese bank account is not required.
  • Remittance of settlements with international partner merchant companies are sent directly to the merchant’s international banking account.
  • Loans and touch pay kiosks in Mainland China and Hongkong.
Here are the fees for senders and receivers:

Sender Fees

  • Allowed up to two international transfers a day with a maximum total of 60,000 RMB. 
  • Chinese citizens are limited to sending a maximum of $50,000 USD overseas annually.

Receiver Fees

  • Charges 50 RMB per transfer and will also charge a fee upon receipt by the recipient bank.

If your clients are from China or you reside in Mainland China and Hongkong, Alipay is the best option for you. The difference from PayPal is that it only charges transaction fees unlike PayPal exchange rates. 

Apple Pay

There are over a billion Apple users worldwide so it’s only convenient to have their own digital wallet. Apple Pay has 441 million users in different countries. If you’re an avid Apple user, you should consider using Apple Pay instead. 


  • Simple and secure way to pay and donate with Apple devices.
  • If the business already accepts credit and debit cards, simply contact the pertinent payment provider to start accepting Apple Pay.
  • Faster transactions than accepting traditional credit and debit cards and other payment methods.
  • Download the Apple Pay mark to use within email, on a terminal screen, and on the business’ website. 
  • Order Apple Pay decals to put on storefront windows and registers.
Here are the fees for senders and receivers:

Sender Fees

  • There’s no fee to send using Apple Cash with normal delivery. 
  • Moving Apple Cash money to a bank account, however, has a 1% fee subject to a $0.25 minimum and $10 maximum.

Receiver Fees

  • There’s no fee to receive or request money using Apple Cash with normal delivery. 
  • Moving Apple Cash money to a bank account has a 1% fee subject to a $0.25 minimum and $10 maximum.

Both Apple Pay and PayPal have great overall quality and user satisfaction. So, it’s a matter of what device you often use in doing online transactions


It is widely used in doing online transactions with over 35 million users. There are 41 currencies that Skrill offers so it’s really great to use wherever your client may be.


  • Fast, instant and secure optimised payment solutions, suitable for all businesses.
  • With a simple, single integration, businesses can enable 100+ local payment methods including cards, digital wallets, instant bank transfers and other alternative payment methods.
  • Allows users to manage over 40 currencies from just one account, to handle easier cross border payments.
  • Allows users to pay quickly with an email address and password.
Here are the fees for senders and receivers:

Sender Fees

  • Deposit funds using local and global payment methods: 1.00% fee
  • No fee when to send money to an international bank account using Skrill Money Transfer.

* 1.45%, min 0.50 EUR fee is applied if the wallet is funded via Card or Bank Account.

Receiver Fees

  • Does not charge recipients any fee to receive

It’s best to use if you don’t want to give out your financial details, however, it comes with a slight price considering their fees. Nonetheless, they offer guaranteed fast, easy, and secure transactions.


It caters to mid-market as its rates are relatively lower than other platforms. They offer small charges and free transfers so it’s really perfect for mid-range freelancers. 


  • Offers Mastercard debit cards in the US. 
  • Offers free, fast, and secure money transfers to a bank account within one of more than 130 countries, and this is done using the real exchange rate
  • Easily transfer money between Revolut accounts (both business and personal) for free
  • Schedule and approve payments
  • Easy to buy, hold, or exchange cryptocurrencies.
Here are the fees for senders and receivers:

Sender Fees 

  • No fee when transferring to users
  • Additional $5 to expedite transfers
  • Fees also vary when transferring to bank accounts

Receiver Fees

  • ATM withdrawals begin to get charged after reaching the monthly limit. As much as 2% is charged for every withdrawal done thereafter. 
  • Cards are free, thus, charges are not applied. However, replacement cards and delivery fees have charges depending on the case. A standard delivery costs $4.99, an express delivery costs $11.99, and a delivery abroad costs $19.99.
  • The virtual card is provided without further costs but any additional card request costs $4.99.

It’s great to use for international money transfer. So if you’re a mid-range freelancer from the US or European countries, you should try using Revolut. You’ll be charged smaller fees and protected from online frauds.



It is known for its transparency when it comes to fees and charges. If you’re looking for a cheaper option, Transferwise gives the best exchange rates without the expensive rates. 


  • Linked to the borderless business account, businesses can apply for a TransferWise debit Mastercard. The debit card is currently only available in some countries. 
  • Businesses get exactly what was invoiced. The payer absorbs the following fees: 0.76 GBP fixed fee and variable fee of 3.03 GBP (0.37%).
  • Allows businesses to get paid with extremely low fees from anywhere in the world. 
  • Businesses can hold and then convert money into over 40 currencies.
  • With a business account, there’s no need to pay anywhere from 2% to 10% for international transfers through PayPal.
Here are the fees for senders and receivers:

Sender fees

  • The payer absorbs the following fees: 0.76 GBP fixed fee and variable fee of 3.03 GBP (0.37%).

Receiver fees

  • Every month, withdrawal fee is free for  up to 200 GBP, 250 USD, 350 AUD, 350 NZD, 350 SGD, or currency’s equivalent. After that, there’s a 2% charge on withdrawals.

Final Thoughts

There are different ewallet platforms that you can consider aside from PayPal. You just have to find the perfect one for you by comparing transaction fees and charges, looking up for discounts and promos, and finding who offers higher exchange rates in your currency. Whichever you choose it is guaranteed to be 100% safe and secure.

Once you’ve decided on your preferred ewallet platform, you should start getting your clients. Worried on how to get new clients? Know how to handle your clients like a PRO! Try our EMAIL TEMPLATES FOR FREELANCERS – Get A Client From Upwork!


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