Free chat online with no payments

Suitable for sending money to contacts as well as shopping online, Nochex is a strong alternative to Pay Pal – but you need to be aware that it does not get involved in disputes, so making a purchase via the service is something that you should do only when there is a robust dispute resolution system in place for you to use in the event of problems with the seller.

Think of a version of Pay Pal where you don’t have to pay the service as well as the seller.

There is a good chance that you’re happy with Pay Pal.

Perhaps you’re fully invested in their way of doing things. Pay Pal accounts regularly get blocked, either because they’ve been hijacked (although in my experience, Pay Pal are always slower to act than the user) or because (according to those who have had their accounts blocked) someone at Pay Pal made a decision that didn’t reflect that facts.

However, there is evidence that the crown is beginning to slip.

More and more Pay Pal alternatives are appearing, giving consumers a new way to pay, one that might be cheaper, more flexible, more reliable, with better customer service or simply offering a better way of doing things.

Interestingly, Google Wallet has started offering users free debit cards Google Wallet is now offering their US users a free debit card for offline purchases anywhere that accepts Mastercard or debit cards, as well as withdrawing cash from your Wallet account at ATMs and banks. Based in the UK, Nochex is a relatively small service compared to the others mentioned here, but there is a strong chance that you have used it as an alternative to Pay Pal already, or at least seen it listed as a payment option.

Integrated into over 50 shopping carts and online store applications, Nochex is also listed as an acceptable payment method on e Bay, although its full integration into the system has taken some time.

With the arrival of Apple, Google and Amazon into the arena, more and more people are realising that actually, they don’t need to use Pay Pal, especially if they’re already invested in the ecosystem of one of the three big competitors.Available for i Phone and various Android devices (among them, the HTC One, LG Nexus 5, Motorola Moto X, various Samsung Galaxy handsets), Google Wallet has yet to hit the big time worldwide, but is among the top Pay Pal alternatives for US users.It’s free to send and receive money from your linked bank account or from your Google Wallet balance (a 0 limit per 30 days), while credit card transactions have a 2.9% fee.Just as importantly, however, has been the rise of the smaller competitors.Such competition offers opportunities for consumers, with the potential for strong innovation. For instance, We Pay, an option that has been around since 2008 and cornered the market in donations to charities and crowdfunding projects, is particularly painful to use for some business owners.

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