VA Concerns: 5 PayPal Alternatives with Low Fees

PayPal Alternative

Filipino VA’s or Freelancers are happy to hear that the dollar value went up, but recently PayPal fees increased.

Even though the dollar value has gone up to $53 still in PayPal exchange rate, it’s roughly around $51 but not equal or above $52.

Clients or employers are even thinking of shifting to other reliable payment methods.

Although this is a great opportunity for VA’s to have a little boost when receiving our money but the common concerns with both parties are— which reliable PayPal alternative payment method to use?

Clients/Employers Concerns

  • Which payment method to use for VA’s in the Philippines and in other countries.
  • Which has the lowest fees and has the least hassle.
  • Reliable and no frequent issues.

VA/freelancers Concerns

  • Don’t know other payment methods to use that the client or employer agrees.
  • Issues with Government valid ID’s.
  • Less experience with other payment methods.
  • Which payment method has the least fees, high conversion rate, and fast transaction (1-2 days)

If think there is no other way, you can always ask to send or receive PayPal payment.

Here are the five PayPal Alternatives that you might want to know.


1. Western Union

western union

This is the most common payment alternative which you can receive money. The exchange rate is good, and you will get your money by presenting valid ID’s.


  • Reliable and fast


  • Different conversion rates on each Western Union branch
  • Problems with valid ID if you have complications in your name like a special character
  • Need to travel to the nearest branch


Transferring international money varies with the method you use. You can just check with their price estimator to get an idea.

If there’s no other way, you can opt this method.


2. Transferwise


A popular alternative to PayPal where you can get the exact conversion rate exactly what shows in Google. Their fees are much lower like for example $400 is $7.05, $450 is $7.49, and $500 is $7.94. 


  • Low Fees
  • Can transfer from PayPal to Tranferwise ( I’m not sure when it comes to fees for the transfer. but probably it will be free when you create a virtual bank in the US. When you create an account (borderless account) and when you transfer using US virtual bank in Transferwise you can transfer it to your Debit card (fee of $1.50) or bank (Transferwise didn’t state the total fees at will differ per bank)
  • Has Mastercard which is accepted internationally


  • 1-2 days transfer similar to PayPal (recently PayPal transfers money to the bank 1 day)


  • A conversion fee of 0.35%-2.5% to your Mastercard and free for £200 a month when you withdraw in an ATM. More than that will be 2%.

Register Here

3. Payoneer


One of the known alternative payment method here in the Philippines. If you don’t have an account yet, sign up to get $25 when you receive either payment or salary amounting to $1000.


  • Reliable
  • Low-cost fees
  • You can transfer money to your card like below $50
  • Higher exchange rate
  • Good for Upwork (transfer rate is $2)


  • Usually transfers money 2-3 days
  • Has yearly fee on the card
  • It’s not ideal for direct clients


  • Annual activation of the card is $29.95
  • A replacement card is $12.95
  • ATM withdrawal is $3.15
  • Direct payments 3%
  • Global payment service is 1%


4. Remitly


One of the best online money transfer with competitive rates and easy to register. You can register here if you don’t have an account yet.


  • Express transfers are real-time
  • Receive a text message when your money has arrived in your bank (example BPI) or ML Kwarta Padala


  • Economy transfers are 4-5 business days


  • Express is $3.99
  • Economy is $0
  • Credit card is 3%

5. Xoom


It’s good for receiving money if your client or employers agree to it.


  • You can get your salary/money as fast as 10-20 minutes as long as you have the tracking number sent by email or text
  • Can get it through BDO, Cebuana, ML, and more. 
  • You can receive even on weekends (Saturday and Sunday)
  • Lower fees compared to Western Union


  • It violates terms of employers or clients (can’t be used for business purposes)


  • A fixed processing fee of $4.99

There are others like Paymaya, but I didn’t include as they have a lot of issues which I don’t recommend— for you not to waste time as money is important to us.

For choosing an alternative, it’s both important that both parties will communicate which works for both of you.

If you know other alternatives or if you have more information, let me know in the comment section for me to update it

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