2CheckoutA 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 MoneyA wide-reach African mobile money service for receiving payments and cash-out.
Fees Varies by country, tiered cash-out feesairtel.africa
AlipayHKHong Kong top digital wallet, used to collect payments.
Fees Free P2P and top-upalipayhk.com
Bancontact PayBelgian mobile payment app to get paid via QR (formerly Payconiq).
Fees Free for consumersbancontactpayconiq.com
bKashBangladesh 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
bunqMobile business account popular with Dutch freelancers for receiving payments.
Fees Free plan, paid plans ~EUR 3-19/mobunq.com
Cash AppThe 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
CashPlusReceive money and instantly withdraw PayPal balances to dirhams.
Fees Free account, zero maintenance feescashplus.ma
ChapChapRun a mobile-money agency (cash-in/out, airtime, bills) and earn commission.
chapchap.co
Chipper CashA pan-African app for sending and receiving money across borders and locally.
Fees Free P2P within network, FX markup cross-borderchippercash.com
CIH BankReceive client and card payments and manage a dirham account as a freelancer.
Fees Free Code30 account and cardcihbank.ma
DaviplataA Colombian mobile wallet for receiving money, transfers, and merchant payments.
Fees Free transfers, QR and bill paymentsdaviplata.com
dLocalA cross-border payments processor connecting global merchants to emerging-market shoppers.
Fees Custom pricing ~2.9% average take ratedlocal.com
eSewaNepal leading digital wallet where users receive payments and pay merchants.
Fees Most services free, bank withdrawal NPR 10esewa.com.np
ExpressPayCollect payments via cards and all mobile-money networks.
Fees Transfer fees capped ~GHS 10, merchant 1.5-2.5%expresspay.com.gh
FawryAn Egyptian payments network where businesses and individuals accept and collect payments.
Fees Cards 2.75%, wallet QR 1.5%fawry.com
GreyVirtual 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
HubtelOpen an online store with mobile-money checkout to sell food, groceries, and goods.
Fees 1.95% on mobile-money collectionshubtel.com
KhaltiA Nepali digital wallet and payment gateway for receiving money and paying bills.
Fees Mostly free wallet paymentskhalti.com
MayaA Philippine digital wallet and bank where users receive payments and pay merchants.
Fees Free Maya-to-Maya, ~PHP 15 bank transfermaya.ph
MB WAYReceive instant peer-to-peer and customer payments via phone number.
Fees Free for consumersmbway.pt
Mercado PagoLatin 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
MidtransAn Indonesian payment gateway (GoTo) for accepting cards, bank transfers, and e-wallets.
Fees Cards 2.9% + Rp2000, QRIS 0.7%midtrans.com
MoMoVietnam leading e-wallet where individuals and merchants receive payments by QR.
Fees Free P2P, 3 free bank withdrawals/monthmomo.vn
MonobankOpen a sole-proprietor account to receive client payments, including SWIFT and SEPA.
Fees Free P2P own funds, ~1% to foreign cardsmonobank.ua
MTN MoMoMTN mobile-money service across many African markets for receiving and sending money.
Fees Tiered cash-out fees ~0.5-2%mtn.com
NagadA major Bangladeshi mobile financial service for receiving payments and cash-out.
Fees Cash-out ~1.15% via appnagad.com.bd
NequiA Colombian digital wallet where users receive payments, transfer, and pay merchants.
Fees No maintenance fee, free withdrawals at Bancolombianequi.com.co
OPayA Nigerian fintech where individuals and merchants receive payments and transfer money.
Fees ~NGN 10 per transfer, ~0.5% agent withdrawalopayweb.com
Orange MoneyA widely used African and MENA mobile-money service for receiving and sending money.
Fees Receiving free, tiered sending/cash-out fees by countryorange.com
PalmPayA Nigerian mobile-money app for receiving payments, transfers, and bill pay.
Fees Free/low in-app transfers, agent cash-out ~0.5%palmpay.com
PayMongoA 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
PayoneerThe 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
PayPalThe 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
PayPayReceive and hold payments on Japan dominant QR wallet.
Fees Free P2P, bank withdrawal 100 JPYpaypay.ne.jp
PaytmOne 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
PhonePeA leading Indian payments app where users and merchants receive money via UPI and QR.
Fees Free UPI payments for consumersphonepe.com
PicPayA Brazilian payment app where people and merchants receive money, pay, and transfer.
Fees Free account and Pix/P2P transferspicpay.com
RevolutA 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
ShopifyThe standard for building your own online store - templates, checkout, and payments in one place, from a 5 dollar Starter plan to full storefronts, with thousands of apps including print-on-demand.
Fees Monthly plan fee (Basic and up, priced by country) + card processing, Starter plan closed to new storesshopify.com
SkrillA 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
SquareTake 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
StripeThe 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 PaymentsA MENA payment gateway letting businesses accept cards and local methods across the Gulf.
Fees ~2.75% standard cardstap.company
TelebirrEthiopia mobile-money service where users receive and send payments by phone.
Fees Free registration, tiered transfer/cash-out feesethiotelecom.et
TenpoFree transfers and a card freelancers use to collect earnings (Chile).
Fees Free account and prepaid cardtenpo.cl
TikkieSend iDEAL payment requests to get paid fast - widely used by Dutch freelancers.
Fees Free for personal usetikkie.me
TossSouth Korea leading fintech super-app for transfers, payments, and receiving money.
Fees Free P2P transferstoss.im
TrueMoneyA Southeast Asian e-wallet for receiving payments, transfers, and bill pay.
Fees Free top-up/payments, ~20 THB bank transfertruemoney.com
TWINTSwitzerland dominant mobile payment app - receive and send money by phone or QR.
Fees Free P2P for individualstwint.ch
UalaReceive income, hold a balance, and spend - a common Argentine freelancer wallet.
Fees Free account, no maintenance feesuala.com.ar
VippsA Nordic mobile-payment app (Vipps MobilePay) where people receive money and pay easily.
Fees Free domestic P2Pvipps.no
WaveA West African mobile-money app with low fees for receiving and sending money.
Fees Free deposits and withdrawals, 1% P2P feewave.com
WiseA 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
YapePeru leading mobile-payment app where people receive money and pay merchants by QR.
Fees Free P2P transfersyape.com.pe
ZalopayA Vietnamese e-wallet where users receive payments, transfer, and pay merchants.
Fees Free transfers within monthly limitszalopay.vn