Switching · from PayPal
Want a PayPal alternative for business? Here’s what changes, in plain numbers.
Looking for a PayPal alternative for business? Start with how your money moves. PayPal is easy for buyers and familiar at checkout. For a business, the friction shows up in holds — money you’ve earned sitting unavailable — and in a firearms policy that prohibits guns and ammo outright. Here’s the policy, the fee math and what moving involves.
No cost to review. You get the dollar difference in writing — or we tell you if switching wouldn’t help.
Why people leave PayPal
- Payment holds up to 21 days
- Risk holds that can run up to 180 days
- Firearms and ammo prohibited
- One person who knows your account
Underwritten properly once · Next-day funding · Talk to a real person: [direct line]
A PayPal alternative for business
A dedicated merchant account with underwriting done up front, so long holds are far less likely.
Interchange-plus pricing
Itemized card cost plus a set markup, instead of one blended aggregator rate you can’t break down.
A person to call
When something’s held or flagged, you reach our team directly rather than submitting a form.
What PayPal’s policy says
Firearms and ammo: prohibited — and funds can be held.
PayPal’s Acceptable Use Policy prohibits ammunition, firearms, and certain firearm parts and accessories, with penalties listed per violation. Separately, PayPal’s user agreement allows it to place a payment on hold — commonly for up to 21 days — and, where it identifies risk, a reserve or hold can run up to 180 days. For a business that needs its money to run payroll and reorder stock, money you can’t touch is the real cost. We underwrite firearms properly, once. See firearms payment processing →
As of October 2026 — [verify]. Source: PayPal Acceptable Use Policy. Hold windows: [verify current user agreement].
Fee math
Flat rate versus interchange-plus, at three volumes.
The case for a PayPal alternative for business usually starts with the fee math and the hold windows. These figures are an industry estimate from PayPal’s published online rate applied to monthly volume — the percentage portion only, before per-transaction fixed fees and card mix. They are not a Moneybox quote. Your real figure comes from your statement. For why itemized pricing usually wins as you grow, see flat rate versus interchange-plus.
| Monthly card volume | PayPal flat rate (est., % portion) | Moneybox |
|---|---|---|
| $10,000 | ~$299 / mo at ~2.99% | Send your statement |
| $25,000 | ~$748 / mo at ~2.99% | Send your statement |
| $50,000 | ~$1,495 / mo at ~2.99% | Send your statement |
The bigger line item is often timing, not rate. Money held for days or weeks is money you can’t put to work. With Moneybox, next-day funding is included on eligible batches, and if a review ever happens, you have a person to call rather than a form to submit. For many owners, that timing gap is the real reason to want a PayPal alternative for business.
What changes when you switch
- You get a dedicated merchant account instead of a shared aggregator wallet
- Pricing moves to interchange-plus, itemized every month
- Funding becomes next-day on eligible batches instead of waiting out a hold
- Checkout changes: we connect a gateway to your cart; a PayPal button can stay as a buyer option if you want it [verify]
- Support becomes a person: when something’s held or flagged, you call our team
What stays the same
- Your website, your products and your customers
- You keep taking payments on PayPal until you flip over
- The cards and wallets your buyers already use
Backup option: many stores keep a PayPal button for buyers who prefer it and run card payments through a Moneybox account, where PayPal’s terms allow it [verify].
PayPal alternative for business: common questions
Why does PayPal hold my money?
PayPal’s user agreement lets it place a payment on hold — commonly up to 21 days — and apply a reserve or risk hold that can run up to 180 days. Holds often hit newer accounts or sudden sales spikes. A dedicated merchant account with underwriting done up front is designed to make that far less likely: [verify current user agreement].
Can I keep a PayPal button for customers who like it?
Often yes. Many stores keep PayPal as a buyer option and route card payments through a Moneybox account, where PayPal’s terms allow it [verify]. You get a dedicated account for cards without dropping the wallet some buyers prefer.
Do you work with firearms businesses PayPal won’t take?
Yes. PayPal prohibits firearms and ammo; we underwrite those businesses properly, once. See firearms payment processing →
How much will I actually save?
A PayPal alternative for business only pays off if the math and the timing work for you. We don’t publish a savings figure because it depends on your card mix and volume — and with PayPal, the timing of your money often matters more than the rate. Send last month’s statement and we show you the real picture.
See your PayPal cost next to ours.
Send last month’s PayPal statement. We reply with your current cost, your Moneybox cost, and the difference in dollars. If switching wouldn’t help, we’ll tell you that too.
Prefer to talk? [call or text our team — number]