PayPal Alternative for Freelancers
Avoid fee surprises
SwiftFi offers a PayPal alternative built for freelancers who want lower fees and faster access to funds.
Why teams switch
We all used to think Paypal was easy, but now we know on top of a huge difficulty level, its the most costly way to move money. Looking for a PayPal alternative designed for freelancers? SwiftFi helps you avoid PayPal fees and delay by keeping payouts streamlined, direct to stablecoin. As a PayPal alternative, SwiftFi provides US routing details for client payments and integrates stablecoin conversion for the fastest cheapest possible settlement, right when you need it. The SwiftFi approach makes low-fee freelancer payments predictable when you work with international clients and need control. Our fee is fixed, which makes it easier to compare total cost and keep more of each invoice.
SwiftFi vs PayPal: timing and crypto support
| Feature | SwiftFi | PayPal |
|---|---|---|
| Typical on-ramp time | Same business day | Instant between PayPal accounts |
| Typical off-ramp time | Same business day | 1-3+ business days |
| Stablecoin / crypto support | Stablecoin payouts supported | PYUSD + crypto wallet available |
| Conversion fees | 0% conversion fee | 3.5% - 4% typical fees |
| Total fee estimate | 3% total fee | 3.5% - 4% + FX spread |
PayPal crypto features require enabling a separate crypto wallet.
Estimate your savings
Enter your typical invoice amount, current provider fees, and payout timing to see how much you could save by switching to SwiftFi.
Current provider
SwiftFi comparison
SwiftFi: 3% total fees, no currency conversion fee, same business day wallet availability.
Enter values above to estimate your fee and time savings.
Fee transparency that avoids surprises
- - Upfront fee breakdown before you accept a payout
- - Clear visibility into FX spreads and conversion costs
- - Transfer fee vs conversion fee shown separately
- - Consistent records for reconciliation and taxes