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Best Free Dwolla Alternatives — 9 Tools Compared in 2026

Explore 9 alternatives to Dwolla — vetted by our editors with real user reviews, pricing, and feature comparisons.

Top free Dwolla alternatives, compared at a glance

Quick answer

The Dwolla alternatives buyers shortlist most are UniPay Gateway, Airpay and Stripe Connect. UniPay Gateway ranks first with a SpotScore of 8.5 and a 4.5★ rating. Compare all 9 on score, rating, and pricing below.

Not every team clicks with Dwolla, and that's fine. These 9 payment gateway software free alternatives give you real choices on price, features, and usability. We rank them by SpotScore, which combines real-user satisfaction with market presence, then layer in ratings and pricing. Scan the comparison table first, then read the detail for each pick.

ProductSpotScoreRatingPricingBest for
UniPay GatewayThe key to seamless online payments.8.5★★★★★ 4.5(2)Quotation Basedsmall & mid-size businesses
AirpayEffortless and secure online payments made simple.8.4★★★★☆ 4Quotation Basedmid-size & enterprise teams
Stripe ConnectStreamline your online payments with Stripe Connect.8.3Not yet ratedQuotation Based · Subscriptionteams of all sizes
Better PaymentEffortless payments made simple.8.2Not yet ratedQuotation Basedteams of all sizes
Zoho CheckoutStreamline payments, expand your business.8.1★★★★☆ 4.4(11)Freefrom $9/mosmall & mid-size businesses
Stripe PaymentsSeamless payments, anytime, anywhere.—★★★★★ 4.5(243)Quotation Basedteams of all sizes
OpayoEffortless payments for a thriving business.—★★★★★ 4.7(1832)Subscriptionteams of all sizes
WePayStreamline your payments with WePay.—★★★★☆ 3.6(124)Subscriptionteams of all sizes
QuickBooks PaymentsGet paid faster with QuickBooks Payments.—★★★★☆ 4.2(18)from $12.50/moteams of all sizes

8.5

SpotScore

UniPay Gateway - Payment Gateway Software

UniPay Gateway

The key to seamless online payments.

Best for: SMB teams · Mid-market

Get Pricing Details

4.5

2 verified reviews

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What is UniPay Gateway?

UniPay Gateway is a payment processing platform for e-commerce operators that need to automate credit card authorization and data storage without manual transaction handling. It captures card data, authorizes transactions, and writes records to a connected database in a single workflow, ...

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UniPay Gateway offers custom pricing plan

8.4

SpotScore

Airpay - Payment Gateway Software

Airpay

Effortless and secure online payments made simple.

Best for: Mid-market · Enterprise

Get Pricing Details

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 ...

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Airpay offers custom pricing plan

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8.3

SpotScore

Stripe Connect - Payment Gateway Software

Stripe Connect

Streamline your online payments with Stripe Connect.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is Stripe Connect?

Stripe Connect is a payment platform layer used by software companies and marketplaces that need to route payments between buyers and sellers — such as gig economy apps, SaaS billing platforms, and on-demand marketplaces. It handles fund disbursement to third-party accounts, platform fee ...

Read more about Stripe Connect

Stripe Connect offers custom pricing plan

8.2

SpotScore

Better Payment - Payment Gateway Software

Better Payment

Effortless payments made simple.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is Better Payment?

Better Payment is a payment gateway for online merchants who need a customizable checkout experience that accepts all major credit and debit cards with PCI-compliant security. It includes checkout configuration tools that let businesses tailor the payment flow to their brand without requiring ...

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Better Payment offers custom pricing plan

8.1

SpotScore

Zoho Checkout - Payment Gateway Software

Zoho Checkout

Streamline payments, expand your business.

Best for: SMB teams · Mid-market

Try for Free

4.4

11 verified reviews

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What is Zoho Checkout?

Zoho Checkout is a payment gateway for small and medium-sized online merchants that need to accept credit cards, debit cards, checks, and ACH payments through their websites. It integrates naturally within the Zoho product ecosystem, making it the logical choice for businesses already running ...

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Zoho Checkout offers custom pricing plan

Stripe Payments - Payment Processing Software

Stripe Payments

Seamless payments, anytime, anywhere.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

243 verified reviews

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What is Stripe Payments?

Stripe Payments is the most powerful and flexible way to accept payments on the web. It is a simple way to accept credit cards on your website, in your mobile app, or wherever payments are made.  In addition to accepting payments online, Stripe provides you with all the tools you need to ...

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Stripe Payments offers custom pricing plan

Opayo - Payment Processing Software

Opayo

Effortless payments for a thriving business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.7

1832 verified reviews

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What is Opayo?

The Opayo Payment Processing Software is a cloud-based solution offered to merchants that provide you with the tools to accept all forms of payment online. With powerful features such as automated recurring billing and advanced reporting, you can breathe easier knowing your business is ...

Read more about Opayo
WePay - Payment Processing Software

WePay

Streamline your payments with WePay.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

3.6

124 verified reviews

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What is WePay?

WePay is an all-in-one payment processing software. The platform enables merchants of all sizes, from small to large, to process credit and debit cards, online and offline payments in a number of different countries. We Pay can integrate with a variety of platforms that include Salesforce ...

Read more about WePay
QuickBooks Payments - Payment Processing Software

QuickBooks Payments

Get paid faster with QuickBooks Payments.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.2

18 verified reviews

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What is QuickBooks Payments?

QuickBooks Payments is a payment processing service that makes it easier for your customers to pay you. It's all online, 24/7, so you can immediately start receiving funds from your customers. There's an option to choose multiple payment solutions including credit card, debit card, electronic ...

Read more about QuickBooks Payments

Why these Dwolla alternatives stand out

UniPay Gateway8.5Best for small & mid-size businesses

Automates e-commerce transactions

Watch for: Limited payment method options

Airpay8.4Best for mid-size & enterprise teams

Cloud-based solution

Watch for: Limited customization options

Stripe Connect8.3Best for teams of all sizes

Quick setup

Watch for: Limited customer support

Better Payment8.2Best for teams of all sizes

Secure payment processing

Watch for: Limited payment options

Zoho Checkout8.1Best for small & mid-size businesses

Supports multiple payment methods

Watch for: Limited customization options

Stripe PaymentsBest for teams of all sizes

Flexible payment options

Watch for: Fees can add up

OpayoBest for teams of all sizes

Cloud-based solution

Watch for: Higher fees for some features

WePayBest for teams of all sizes

Multi-country payment processing

Watch for: Limited customer support options

QuickBooks PaymentsBest for teams of all sizes

Seamless integration with QuickBooks invoicing makes accepting and tracking payments fast and easy.

Watch for: Processing fees can be high, so reviewers advise checking the costs carefully.

Why teams look for a Dwolla alternative

Teams rarely leave Dwolla without a reason — usually it's one of these:

  • Limited international support
  • Requires technical knowledge
  • Not suitable for small transactions

What a good Dwolla alternative should have

Comparing pricing, ratings, and strengths across the 9 free alternatives: 1 offers a free tier; paid plans run $9–$12.5, with Zoho Checkout the cheapest entry point; and Opayo is the highest rated at 4.7★ across 1832 reviews.

Our ranking criteria.

Frequently Asked Questions (FAQs)

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

The top-rated alternatives to Dwolla are Opayo (4.7★), UniPay Gateway (4.5★), Stripe Payments (4.5★). Compare all 9 alternatives side-by-side above.

When evaluating alternatives to Dwolla, 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.

Dwolla starts from $0.05. Many alternatives offer similar functionality at different price points — some with free tiers, others with more flexible per-seat pricing. Use the filters above to narrow by budget.

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

Which Dwolla alternative should make your shortlist?

  • On a budget / just exploring: start with a free tier — Zoho Checkout let you evaluate without paying upfront.
  • If real-user ratings matter most: Opayo has the strongest star rating (4.7★) among the options with verified reviews.
  • Want the safest pick: UniPay Gateway has the highest Spotsaas Score (8.5) in this list — a strong default if you're unsure.

How to leave Dwolla behind

Switching away from Dwolla is safest in stages. Export your data, verify the new tool can import it, and confirm the features you depend on. Run a pilot first, then migrate fully, keeping Dwolla running until you've validated the fit. Free trials above help.

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