# Alternatives to Paypal, with banking facilities **URL:** \ **Category:** RapidWeaver Classic\ **Created:** [November 23, 2018, 3:51pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596 "2018-11-23T15:51:14Z")\ **Posts on this page:** 7\ **Page:** 1
**Author:** ![jamesbond](https://dub1.discourse-cdn.com/flex005/user_avatar/forums.realmacsoftware.com/jamesbond/32/22891_2.png) [@jamesbond](https://forums.realmacsoftware.com/u/jamesbond)\ **Post date:** [November 23, 2018, 3:51pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/1 "2018-11-23T15:51:14Z")
At present my clients pay me via PP, I use it like a bank account, storing money in the account, making purchases, etc. The problem is the PP fees are just too high. Even with merchant rates based on £6k a month throughput, it’s still over 2% per transaction. I don’t wish to use a regular bank account, so I’m wondering what my options are? Does anyone know of any alternatives? ---
**Author:** ![NeilUK](https://dub1.discourse-cdn.com/flex005/user_avatar/forums.realmacsoftware.com/neiluk/32/23434_2.png) [@NeilUK](https://forums.realmacsoftware.com/u/NeilUK)\ **Post date:** [November 23, 2018, 4:02pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/2 "2018-11-23T16:02:44Z")
I personally prefer Stripe and stopped using PayPal a while ago. Apart from PP’s fees and exchange rate rip-off, I just don’t trust them. However, Stripe’s fees are 2.9% + 30 cents per transaction or 1.9% +20p if it’s an EU based card payment. ---
**Author:** ![jamesbond](https://dub1.discourse-cdn.com/flex005/user_avatar/forums.realmacsoftware.com/jamesbond/32/22891_2.png) [@jamesbond](https://forums.realmacsoftware.com/u/jamesbond)\ **Post date:** [November 23, 2018, 4:13pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/3 "2018-11-23T16:13:43Z")
Stripe are not a bank, as such though, are they? I thought they were just a payment processor? ---
**Author:** ![NeilUK](https://dub1.discourse-cdn.com/flex005/user_avatar/forums.realmacsoftware.com/neiluk/32/23434_2.png) [@NeilUK](https://forums.realmacsoftware.com/u/NeilUK)\ **Post date:** [November 23, 2018, 4:16pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/4 "2018-11-23T16:16:01Z")
Sorry, I didn’t read it fully. Yes, Stripe just process the payments. ---
**Author:** ![jamesbond](https://dub1.discourse-cdn.com/flex005/user_avatar/forums.realmacsoftware.com/jamesbond/32/22891_2.png) [@jamesbond](https://forums.realmacsoftware.com/u/jamesbond)\ **Post date:** [November 23, 2018, 4:17pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/5 "2018-11-23T16:17:03Z")
Thought so. Some of my clients use Stripe, but for me, I don’t need payment processes as such, just somewhere for clients to easily pay me monthly retainers. ---
**Author:** ![JohnJ](https://avatars.discourse-cdn.com/v4/letter/j/c0e974/32.png) [@JohnJ](https://forums.realmacsoftware.com/u/JohnJ)\ **Post date:** [November 23, 2018, 4:33pm UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/6 "2018-11-23T16:33:04Z")
I stick with Paypal. The fees are reasonable for what I do, I’ve been using them for over 20 years and have never lost money on a paypal transaction. A big reason I like Paypal is that on the rare occasion there is a problem it is very easy to reach them on the phone. I don’t know how much money there is to save on these fees over what you pay paypal. Even if you accept regular credit cards there are fees involved. I like to use paypal similar to the way you describe. It is handy… but for large orders I only accept checks as payment. New customers must even wait until the check clears. If they insist on paypal I will do it but I explain the fees I have to pay and adjust my pricing to cover them. I give them the choice… ---
**Author:** ![system](https://dub1.discourse-cdn.com/flex005/user_avatar/forums.realmacsoftware.com/system/32/25301_2.png) [@system](https://forums.realmacsoftware.com/u/system)\ **Post date:** [December 24, 2018, 2:33am UTC](https://forums.realmacsoftware.com/t/alternatives-to-paypal-with-banking-facilities/23596/7 "2018-12-24T02:33:05Z")
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