Lemon Squeezy3.4Bronze 15 ptsVettedMerchant of record

A Stripe-owned merchant of record for digital products - sell downloads, licenses, and subscriptions with taxes handled for you.

Fees 5% plus 50 cents per transactionlemonsqueezy.com
Paddle3.6Bronze 20 ptsVettedMerchant of record

A merchant of record for selling software and SaaS - Paddle handles global payments, sales tax, and invoicing so solo developers can sell worldwide.

Fees 5% plus 50 cents per transactionpaddle.com
2Checkout3.9Silver 40 ptsPayment processor

A global payment platform (Verifone) helping sellers accept online payments worldwide.

Fees 3.5% + $0.35 on the entry plan, up to 6% + $0.60 on higher plans2checkout.com
Airtel Money3.1Bronze 20 ptsMobile money

A wide-reach African mobile money service for receiving payments and cash-out.

Fees Varies by country, tiered cash-out feesairtel.africa
AlipayHK3.1Bronze 20 ptsPayments and wallet

Hong Kong top digital wallet, used to collect payments.

Fees Free P2P and top-upalipayhk.com
Authorize.net3.0Bronze 30 ptsPayment gateway

The veteran Visa-owned payment gateway - small US and UK businesses accept cards online, by invoice, or by virtual terminal.

Fees 25 dollars monthly gateway fee plus per-transaction chargesauthorize.net
Bancontact Pay3.1Bronze 20 ptsPayments and wallet

Belgian mobile payment app to get paid via QR (formerly Payconiq).

Fees Free for consumersbancontactpayconiq.com
bKash3.2Bronze 25 ptsMobile money

Bangladesh dominant mobile money service where anyone receives and cashes out payments.

Fees Free P2P within limits, agent cash-out 1.49-1.85%bkash.com
Braintree3.1Bronze 20 ptsPayment processor

A PayPal-owned full-stack processor for online businesses - accept cards, PayPal, Venmo, and wallets through one integration.

Fees Around 2.59% plus 49 cents per transactionbraintreepayments.com
bunq3.7Silver 35 ptsPayments and wallet

Mobile business account popular with Dutch freelancers for receiving payments.

Fees Free plan, paid plans ~EUR 3-19/mobunq.com
Cash App3.6Silver 40 ptsPayment app

The US peer-to-peer money app by Block - receive payments instantly to your cashtag, with a free debit card and bank cash-out.

Fees Free P2P, 0.5-1.75% instant depositcash.app
CashPlus3.2Bronze 25 ptsPayments and wallet

Receive money and instantly withdraw PayPal balances to dirhams.

Fees Free account, zero maintenance feescashplus.ma
ChapChap3.2Bronze 15 ptsPayments and wallet

Run a mobile-money agency (cash-in/out, airtime, bills) and earn commission.

chapchap.co
Chipper Cash3.2Bronze 20 ptsMoney transfer app

A pan-African app for sending and receiving money across borders and locally.

Fees Free P2P within network, FX markup cross-borderchippercash.com
CIH Bank3.5Silver 35 ptsPayments and wallet

Receive client and card payments and manage a dirham account as a freelancer.

Fees Free Code30 account and cardcihbank.ma
Daviplata3.3Bronze 25 ptsDigital wallet

A Colombian mobile wallet for receiving money, transfers, and merchant payments.

Fees Free transfers, QR and bill paymentsdaviplata.com
dLocal3.8Silver 35 ptsPayment processor

A cross-border payments processor connecting global merchants to emerging-market shoppers.

Fees Custom pricing ~2.9% average take ratedlocal.com
Easypaisa3.5Bronze 25 ptsMobile money

Pakistan most used mobile wallet - receive money to your phone number, get paid by customers via QR, and cash out at agents everywhere.

Fees Free in-network transfers, tiered agent cash-out feeseasypaisa.com.pk
eSewa2.8Digital wallet

Nepal leading digital wallet where users receive payments and pay merchants.

Fees Most services free, bank withdrawal NPR 10esewa.com.np
ExpressPay3.0Bronze 20 ptsPayments and wallet

Collect payments via cards and all mobile-money networks.

Fees Transfer fees capped ~GHS 10, merchant 1.5-2.5%expresspay.com.gh
Fawry3.0Bronze 20 ptsPayment network

An Egyptian payments network where businesses and individuals accept and collect payments.

Fees Cards 2.75%, wallet QR 1.5%fawry.com
Flutterwave3.4Silver 40 ptsPayment processor

A pan-African payments company - accept cards, mobile money, and local methods across 30+ African countries, with no-code payment links via Flutterwave Store.

Fees Local cards ~1.4%, international 4.8%flutterwave.com
GCash3.4Silver 50 ptsMobile money

The Philippines dominant mobile wallet - receive payments by number or QR, with bank cash-out and heavy freelancer adoption.

Fees Free in-app transfers, ~2% agent cash-outgcash.com
Grey3.6Bronze 20 ptsPayment platform

Virtual USD, GBP, and EUR accounts for African freelancers - receive international payments and convert to local currency at competitive rates.

Fees No account fees, FX conversion margingrey.co
Hubtel3.1Bronze 25 ptsPayments and wallet

Open an online store with mobile-money checkout to sell food, groceries, and goods.

Fees 1.95% on mobile-money collectionshubtel.com
JazzCash3.2Bronze 30 ptsMobile money

Pakistan other giant mobile wallet - personal and business accounts, QR payments, and one of the largest agent networks in the country.

Fees Free wallet-to-wallet, ~1.75% agent cash-outjazzcash.com.pk
Khalti2.6Digital wallet

A Nepali digital wallet and payment gateway for receiving money and paying bills.

Fees Mostly free wallet paymentskhalti.com
M-Pesa3.2Bronze 30 ptsMobile money

The mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small businesses charge through till numbers.

Fees Free deposits, tiered P2P and agent withdrawal feessafaricom.co.ke
Maya3.2Bronze 25 ptsDigital wallet

A Philippine digital wallet and bank where users receive payments and pay merchants.

Fees Free Maya-to-Maya, ~PHP 15 bank transfermaya.ph
MB WAY3.2Bronze 20 ptsPayments and wallet

Receive instant peer-to-peer and customer payments via phone number.

Fees Free for consumersmbway.pt
Mercado Pago3.8Gold 55 ptsPayment platform

Latin America biggest payments app - anyone can receive via QR codes, payment links, and card readers, with or without selling on MercadoLibre.

Fees Free P2P, ~0.5-6% merchant receiving feesmercadopago.com
Midtrans3.3Bronze 25 ptsPayment processor

An Indonesian payment gateway (GoTo) for accepting cards, bank transfers, and e-wallets.

Fees Cards 2.9% + Rp2000, QRIS 0.7%midtrans.com
Mollie3.3Silver 35 ptsPayment processor

A European payments processor loved by small businesses - accept cards, iDEAL, SEPA, and local methods with simple per-transaction pricing and no lock-in.

Fees Per-transaction pricing, no monthly feesmollie.com
MoMo3.2Bronze 20 ptsDigital wallet

Vietnam leading e-wallet where individuals and merchants receive payments by QR.

Fees Free P2P, 3 free bank withdrawals/monthmomo.vn
Monobank3.2Bronze 20 ptsPayments and wallet

Open a sole-proprietor account to receive client payments, including SWIFT and SEPA.

Fees Free P2P own funds, ~1% to foreign cardsmonobank.ua
MTN MoMo3.3Bronze 30 ptsMobile money

MTN mobile-money service across many African markets for receiving and sending money.

Fees Tiered cash-out fees ~0.5-2%mtn.com
Nagad3.0Bronze 15 ptsMobile money

A major Bangladeshi mobile financial service for receiving payments and cash-out.

Fees Cash-out ~1.15% via appnagad.com.bd
NayaPay3.6Bronze 30 ptsDigital wallet

A Pakistani digital wallet popular with freelancers - receive international transfers through 70+ remittance partners and spend with a Visa debit card.

Fees Free bank/wallet transfersnayapay.com
Nequi3.2Bronze 20 ptsDigital wallet

A Colombian digital wallet where users receive payments, transfer, and pay merchants.

Fees No maintenance fee, free withdrawals at Bancolombianequi.com.co
OPay3.0Bronze 15 ptsMobile money

A Nigerian fintech where individuals and merchants receive payments and transfer money.

Fees ~NGN 10 per transfer, ~0.5% agent withdrawalopayweb.com
Orange Money3.3Bronze 15 ptsMobile money

A widely used African and MENA mobile-money service for receiving and sending money.

Fees Receiving free, tiered sending/cash-out fees by countryorange.com
PalmPay3.3Bronze 30 ptsMobile money

A Nigerian mobile-money app for receiving payments, transfers, and bill pay.

Fees Free/low in-app transfers, agent cash-out ~0.5%palmpay.com
Paymob3.4Silver 35 ptsPayment processor

A leading MENA payments company - merchants in Egypt, the Gulf, and Pakistan accept cards, wallets, and installments online and in person.

Fees 2.75% + EGP 3 per online transactionpaymob.com
PayMongo3.3Silver 35 ptsPayment processor

A Philippine payments platform letting businesses accept cards, e-wallets, and bank transfers.

Fees Cards 3.5% + PHP 15, e-wallets ~2.5-3%paymongo.com
Payoneer3.4Silver 35 ptsPayment platform

The freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected directly to Upwork, Fiverr, Amazon, and dozens of marketplaces.

Fees Withdrawals 1.2-4% ($1.50 USD to US), 0.5% conversion, $29.95/yr if under $6Kpayoneer.com
PayPal4.1Bronze 30 ptsPayment platform

The most widely accepted way to get paid online - send an invoice or a PayPal.Me link and receive from almost any client in the world.

Fees Fees vary by transaction type and countrypaypal.com
PayPay3.1Bronze 20 ptsPayments and wallet

Receive and hold payments on Japan dominant QR wallet.

Fees Free P2P, bank withdrawal 100 JPYpaypay.ne.jp
Paystack3.2Silver 40 ptsPayment processor

The Stripe-owned processor built for Africa - Nigerian, Ghanaian, South African, and Kenyan businesses accept cards, mobile money, and bank transfers.

Fees From 1.5% per local transactionpaystack.com
Paytm3.4Gold 55 ptsPayment platform

One of India biggest payment platforms - individuals and merchants receive via UPI and QR codes, with a full business suite for small sellers.

Fees Free UPI payments, legacy wallet restrictedpaytm.com
PayU3.3Silver 35 ptsPayment processor

A major processor for emerging markets - merchants in India, Latin America, and Central Europe accept cards and hundreds of local payment methods.

Fees ~2% per transaction + GST (India focus)corporate.payu.com
PhonePe3.3Bronze 25 ptsPayment platform

A leading Indian payments app where users and merchants receive money via UPI and QR.

Fees Free UPI payments for consumersphonepe.com
PicPay3.3Bronze 30 ptsDigital wallet

A Brazilian payment app where people and merchants receive money, pay, and transfer.

Fees Free account and Pix/P2P transferspicpay.com
Razorpay3.4Gold 55 ptsPayment processor

India leading payment gateway - businesses of any size accept cards, UPI, netbanking, and wallets, with payment links and pages for non-coders.

Fees Around 2% per domestic transactionrazorpay.com
Revolut3.8Bronze 30 ptsPayment platform

A financial super-app with multi-currency accounts - freelancers receive international payments and hold, exchange, and spend dozens of currencies.

Fees Free standard plan, ATM/FX fees beyond allowancesrevolut.com
SadaPay3.3Bronze 20 ptsDigital wallet

A Papara-owned Pakistani wallet whose SadaBiz accounts let freelancers receive international payments at some of the best conversion rates in the country.

Fees Free basic account and transferssadapay.pk
Skrill3.7Silver 40 ptsDigital wallet

A digital wallet long popular with freelancers and online workers for receiving and sending money internationally at low cost.

Fees Free to receive, 2.99% to send, 2.8% withdrawal (min EUR 3.50), 4.49% FXskrill.com
Square3.4Gold 55 ptsPayment platform

Take card payments in person or online - free card reader, invoices, and an online store, popular with local services and small sellers.

Fees 2.6% plus 15 cents per in-person charge (US Free plan)squareup.com
Stripe3.8Gold 60 ptsPayment platform

The standard for accepting card payments online - anyone with a business (even a sole proprietor) can register and start charging customers, invoicing, and selling with payment links.

Fees Around 2.9% plus 30 cents per card charge (US)stripe.com
Tap Payments3.2Bronze 30 ptsPayment processor

A MENA payment gateway letting businesses accept cards and local methods across the Gulf.

Fees ~2.75% standard cardstap.company
Telebirr3.3Silver 35 ptsMobile money

Ethiopia mobile-money service where users receive and send payments by phone.

Fees Free registration, tiered transfer/cash-out feesethiotelecom.et
Tenpo3.2Bronze 20 ptsPayments and wallet

Free transfers and a card freelancers use to collect earnings (Chile).

Fees Free account and prepaid cardtenpo.cl
Tikkie3.2Bronze 25 ptsPayments and wallet

Send iDEAL payment requests to get paid fast - widely used by Dutch freelancers.

Fees Free for personal usetikkie.me
Toss3.1Bronze 20 ptsDigital wallet

South Korea leading fintech super-app for transfers, payments, and receiving money.

Fees Free P2P transferstoss.im
TrueMoney3.2Bronze 25 ptsDigital wallet

A Southeast Asian e-wallet for receiving payments, transfers, and bill pay.

Fees Free top-up/payments, ~20 THB bank transfertruemoney.com
TWINT3.2Bronze 20 ptsPayments and wallet

Switzerland dominant mobile payment app - receive and send money by phone or QR.

Fees Free P2P for individualstwint.ch
Uala3.1Bronze 15 ptsPayments and wallet

Receive income, hold a balance, and spend - a common Argentine freelancer wallet.

Fees Free account, no maintenance feesuala.com.ar
Vipps3.2Bronze 25 ptsDigital wallet

A Nordic mobile-payment app (Vipps MobilePay) where people receive money and pay easily.

Fees Free domestic P2Pvipps.no
Wave3.2Bronze 30 ptsMobile money

A West African mobile-money app with low fees for receiving and sending money.

Fees Free deposits and withdrawals, 1% P2P feewave.com
Wise3.4Bronze 20 ptsPayment platform

A multi-currency account with local bank details in 9+ currencies - clients pay you like a local, and conversion happens at the mid-market rate.

Fees Low conversion fees at the mid-market ratewise.com
Xendit3.3Bronze 20 ptsPayment processor

Southeast Asia payment infrastructure - businesses in Indonesia, the Philippines, and neighbors accept cards, e-wallets, and bank transfers through one integration.

Fees Cards ~3%, e-wallets ~2.7%, QRIS 0.7%xendit.co
Yape3.2Bronze 25 ptsDigital wallet

Peru leading mobile-payment app where people receive money and pay merchants by QR.

Fees Free P2P transfersyape.com.pe
Yoco3.4Bronze 30 ptsPayment processor

A South African payments company letting small businesses accept card payments with readers.

Fees 2.6-2.95% per card transactionyoco.com
Zalopay3.3Bronze 20 ptsDigital wallet

A Vietnamese e-wallet where users receive payments, transfer, and pay merchants.

Fees Free transfers within monthly limitszalopay.vn