Is there a free alternative to Alipay?

Yes — Cheddar Up, Coriunder BAAS offer free tiers or trials suitable for small teams and individuals.

Last updated: September 16, 2026

10 Best Alipay Alternatives in 2026 — Free Options Included

Q: What are the best alternatives to Alipay?

The top-rated alternatives to Alipay are Coriunder BAAS, Paytm Payment Gateway, Cheddar Up. Compare all 10 alternatives at https://www.spotsaas.com/list/alipay-free-alternative.

Explore 10 alternatives to Alipay — vetted by our editors with real user reviews, pricing, and feature comparisons.

10 top free Alipay alternatives, compared

Quick answer

The Alipay alternatives worth knowing first are Paytm Payment Gateway, Tap2Pay and Cheddar Up. Paytm Payment Gateway earns the top SpotScore (8.9) and a 4.89★ rating. See how all 10 stack up on score, rating, and price below.

A tool that fits one team can frustrate another, so if Alipay is frustrating yours, these 10 payment gateway software free alternatives are worth a look. We rank them by SpotScore, which combines verified user satisfaction with market presence, then ratings and pricing. The table gives a quick side-by-side; the sections below explain each pick.

Product	SpotScore	Rating	Pricing	Best for
Paytm Payment GatewaySeamless integration, customizable alerts, effortless payments.	8.9	★★★★★ 4.89(132)	Quotation Based	teams of all sizes
Tap2PayStreamline online payments with secure convenience.	8.8	★★★★☆ 3.82(11)	from $49/mo	teams of all sizes
Cheddar UpStreamline payments and boost sales with ease.	8.6	★★★★☆ 4.4	Freefrom $10/mo	teams of all sizes
CitrusStreamline your payments with ease and security.	8.6	★★★★☆ 4.17(3)	Quotation Based	teams of all sizes
PaySpaceStreamline payments for successful business growth.	8.5	★★★★☆ 4.06(35)	Quotation Based	teams of all sizes
AirpayEffortless and secure online payments made simple.	8.4	★★★★☆ 4	Quotation Based	mid-size & enterprise teams
NextPay Payment GatewayEffortless payments for your business.	8.4	★★☆☆☆ 1.75(2)	Subscription · Quotation Based	teams of all sizes
CardinityEffortless credit card payments for e-commerce merchants.	8.4	★★★★☆ 3.68(31)	Subscription · Quotation Based	teams of all sizes
Coriunder BAASStreamline your payments with Coriunder.	8.1	★★★★★ 5(8)	Freefrom $500/mo	teams of all sizes
Compass Payments SuiteSimplify online payments for small businesses.	7.9	★★★★☆ 4(1)	Quotation Based	teams of all sizes

8.9

SpotScore

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

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4.9

132 verified reviews

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What is Paytm Payment Gateway?

The Paytm gateway software offers you all the benefits a payment gateway should offer – and more. It comes with a seamless integration with Paytm Wallet, configurable SMS alerts, transaction confirmation email for buyers and retailers, verification of users before proceeding further with their ...

Tap2Pay

Streamline online payments with secure convenience.

Best for: SMB teams · Mid-market · Enterprise

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3.8

11 verified reviews

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What is Tap2Pay?

Tap2Pay is open source payment gateway software for online businesses. It enables any web merchant to accept payments from credit cards, e-wallets, and other payment instruments. It provides a smooth checkout experience for end users by redirecting them to a mobile app or the merchant website ...

Cheddar Up

Streamline payments and boost sales with ease.

Best for: SMB teams · Mid-market · Enterprise

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4.4

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What is Cheddar Up?

Cheddar Up is a payment collection platform built for e-commerce merchants, school groups, and community organizations that need to accept credit card, ACH, and check payments without incurring chargeback liability, minimum sales requirements, or monthly subscription fees. It supports hundreds ...

Citrus

Streamline your payments with ease and security.

Best for: SMB teams · Mid-market · Enterprise

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4.2

3 verified reviews

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What is Citrus?

Citrus is a payment gateway for small to medium-sized businesses that need to accept card payments, bank transfers, and mobile payments without depending on an external payment provider. Its in-house processing model gives merchants direct control over payment data and transaction flows within ...

PaySpace

Streamline payments for successful business growth.

Best for: SMB teams · Mid-market · Enterprise

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4.1

35 verified reviews

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What is PaySpace?

PaySpace is a PCI-compliant payment gateway built for high-risk merchants in sectors like CBD, online gambling, and nutraceuticals that face rejection from standard payment processors. It routes transactions through acquiring banks that specialize in high-risk verticals, though document ...

Airpay

Effortless and secure online payments made simple.

Best for: Mid-market · Enterprise

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4.0

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What is Airpay?

Airpay is cloud-based payment gateway software, which allows you to accept online payments on websites, mobile applications and kiosks. It can be setup in minutes with minimal effort and is pre-integrated with the most popular ecommerce platforms available today. It can accept payments from any ...

NextPay Payment Gateway

Effortless payments for your business.

Best for: SMB teams · Mid-market · Enterprise

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1.8

2 verified reviews

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What is NextPay Payment Gateway?

NextPay is a payment gateway for small to medium-sized businesses that need to accept credit cards, debit cards, and mobile wallet payments across both physical and online locations. It provides a straightforward setup path for merchants that want to go live quickly without dedicated payment ...

Cardinity

Effortless credit card payments for e-commerce merchants.

Best for: SMB teams · Mid-market · Enterprise

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3.7

31 verified reviews

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What is Cardinity?

Cardinity is a payment gateway software that enables e-commerce merchants to start accepting credit card payments quickly and easily, without the need for any additional software or hardware. With clients in over 90 countries and over 35 currencies, Cardinity provides full support, multiple ...

Coriunder BAAS

Streamline your payments with Coriunder.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

5.0

8 verified reviews

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What is Coriunder BAAS?

Coriunder BAAS - Payment Gateway software is designed for Banks, Financial Institutions, e-Commerce Merchants and Enterprise Businesses. It helps them to offer secure and convenient online payment gateway services to their customers that accept various payments including Debit /Credit Cards, ...

Compass Payments Suite

Simplify online payments for small businesses.

Best for: SMB teams · Mid-market · Enterprise

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4.0

1 verified reviews

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What is Compass Payments Suite?

Compass Payments is a payment gateway software that lets small businesses accept credit cards on the Internet. This flexible solution has been tailored to make it easy for businesses of all sizes to accept and process credit card payments at a lower cost than traditional PCI-DSS compliant ...

Alipay competitors, compared

Alipay competes with 10 other payment gateway software tools tracked on Spotsaas. The closest by feature overlap are Paytm Payment Gateway, Tap2Pay and Cheddar Up. Each is compared against Alipay on rating, pricing and feature coverage below.

Sites and apps like Alipay

Searches for "sites like Alipay" and "apps like Alipay" land on the same shortlist as "Alipay alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.

Why these tools are worth your time

Paytm Payment Gateway8.9Best for teams of all sizes

Convenient and fast way to convert and transfer Paytm gift wallet balance into bank accounts.

Watch for: Some delays in transaction processing and occasional complexity in payment settlements.

Tap2Pay8.8Best for teams of all sizes

Fast and secure payments system, allowing sales across multiple channels with ease.

Watch for: Some users report issues with customer support and unresponsiveness.

Cheddar Up8.6Best for teams of all sizes

No chargebacks or monthly fees

Watch for: Limited customer support options

Citrus8.6Best for teams of all sizes

Flexible payment options

Watch for: Limited advanced features

PaySpace8.5Best for teams of all sizes

Reliable and stable service for receiving payments, with competent and polite customer support.

Watch for: Integration time can be lengthy, requiring improvement for faster onboarding.

Airpay8.4Best for mid-size & enterprise teams

Cloud-based solution

Watch for: Limited customization options

NextPay Payment Gateway8.4Best for teams of all sizes

Supports major credit and debit cards

Watch for: Limited advanced features

Cardinity8.4Best for teams of all sizes

Quick setup for merchants

Watch for: Limited features for advanced users

Coriunder BAAS8.1Best for teams of all sizes

Secure online payment services

Watch for: Higher fees for enterprise features

Compass Payments Suite7.9Best for teams of all sizes

Tailored for small businesses

Watch for: Limited features for larger businesses

Why teams look for a Alipay alternative

A few recurring complaints tend to drive the move off Alipay:

Limited to Alipay
May not suit all markets
Integration complexity

What to weigh when comparing Alipay alternatives

Stacked against each other, the 10 free alternatives compare this way: 2 offer a free tier; paid plans run $10–$500, with Cheddar Up the cheapest entry point; and Coriunder BAAS is the highest rated at 5★ across 8 reviews.

How the list is built.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

What are the best alternatives to Alipay?

The top-rated alternatives to Alipay are Coriunder BAAS (5.0★), Paytm Payment Gateway (4.9★), Cheddar Up (4.4★). Compare all 10 alternatives side-by-side above.

What features should I look for in a Payment Gateway Software alternative?

When evaluating alternatives to Alipay, prioritize: Invoice Payment, PoS Transactions, Multiple Currency Processing, Recurring Billing, Website Payments, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

How difficult is it to migrate from Alipay to an alternative?

Migration difficulty depends on how deeply Alipay is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend narrowing to 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which Alipay alternative is right for you?

On a budget / just exploring: start with a free tier — Cheddar Up and Coriunder BAAS let you evaluate without paying upfront.
If real-user ratings matter most: Coriunder BAAS has the strongest star rating (5★) among the options with verified reviews.
Want the safest pick: Paytm Payment Gateway has the highest Spotsaas Score (8.9) in this list — a strong default if you're unsure.

Replacing Alipay: how to switch

Migrating from Alipay works best in stages. Export your data, confirm the new tool accepts it, and check that your essential workflows hold up. Try a short pilot before rolling out, and leave Alipay running until you're confident. Most picks above offer free testing.

Compare top products

PaySpace

NextPay Payment Gateway

Paytm Payment Gateway

Cardinity

Airpay

Compass Payments Suite

Tap2Pay

Cheddar Up

Airpay

Cheddar Up

Coriunder BAAS

Citrus

Cardinity

Coriunder BAAS

Cheddar Up

Cardinity

About the reviewer

Rajat Gupta

Rajat Gupta is the founder of Spotsaas. Over the past two years, he has reviewed 2,000+ tools across CRM, HR, AI, and finance — applying hands-on product research and a background in commerce and the CFA program to evaluate software through a business and ROI lens. His goal: help teams make software decisions they won't regret.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].

10 Best Alipay Alternatives in 2026 — Free Options Included

10 top free Alipay alternatives, compared

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Tap2Pay

Streamline online payments with secure convenience.

Cheddar Up

Streamline payments and boost sales with ease.

Citrus

Streamline your payments with ease and security.

PaySpace

Streamline payments for successful business growth.

Airpay

Effortless and secure online payments made simple.

NextPay Payment Gateway

Effortless payments for your business.

Cardinity

Effortless credit card payments for e-commerce merchants.

Coriunder BAAS

Streamline your payments with Coriunder.

Compass Payments Suite

Simplify online payments for small businesses.

Alipay competitors, compared

Sites and apps like Alipay

Why these tools are worth your time

Why teams look for a Alipay alternative

What to weigh when comparing Alipay alternatives

Frequently Asked Questions (FAQs)

Which Alipay alternative is right for you?

Replacing Alipay: how to switch

Compare top products

PaySpace

NextPay Payment Gateway

Paytm Payment Gateway

Cardinity

Airpay

Compass Payments Suite

Tap2Pay

Cheddar Up

Cheddar Up

Airpay

Cheddar Up

Coriunder BAAS

Citrus

Cardinity

Cardinity

Coriunder BAAS

Cheddar Up

Cardinity

Research Popular Software and Services

About the reviewer

Compare top products

PaySpace

NextPay Payment Gateway

Paytm Payment Gateway

Cardinity

Airpay

Compass Payments Suite

Tap2Pay

Cheddar Up

Cheddar Up

Airpay

Cheddar Up

Coriunder BAAS

Citrus

Cardinity

Cardinity

Coriunder BAAS

Cheddar Up

Cardinity

Research Popular Software and Services

About the reviewer