# PayPal alternatives: what AI models name instead, October 2026

Finance AI Recommendation Index, October 2026 Edition. 484 of the 504 answers in the 2 categories where PayPal holds a standing named it neither first nor as an alternative; these are the first choices those answers made. Page: https://finance-ai-index.com/vendors/paypal/alternatives/

## Named instead, most often (every category and segment added)

- Wise Business: 89
- Airwallex: 39
- Stripe: 26
- Adyen: 24
- Helcim: 19
- HighRadius: 17

## B2B payment acceptance

**Small business**: 76 of 84 answers did not name PayPal (PayPal is #9 of 9 at 0%).

- Helcim: first choice in 15 of those 76
- Melio: first choice in 12 of those 76
- Stripe: first choice in 9 of those 76
- BILL Accounts Receivable: first choice in 8 of those 76
- Bill360: first choice in 6 of those 76
- QuickBooks Payments: first choice in 2 of those 76
- BILL AP/AR: first choice in 1 of those 76
- Forwardly: first choice in 1 of those 76

**Mid-market**: 77 of 84 answers did not name PayPal (PayPal is #14 of 14 at 0%).

- Stripe: first choice in 9 of those 77
- Versapay: first choice in 9 of those 77
- BILL Accounts Receivable: first choice in 6 of those 77
- EBizCharge: first choice in 6 of those 77
- Nickel: first choice in 5 of those 77
- Helcim: first choice in 4 of those 77
- Billtrust: first choice in 3 of those 77
- Gaviti: first choice in 3 of those 77

**Enterprise**: 83 of 84 answers did not name PayPal (PayPal is #12 of 12 at 0%).

- Adyen: first choice in 17 of those 83
- HighRadius: first choice in 17 of those 83
- Billtrust: first choice in 9 of those 83
- Stripe: first choice in 7 of those 83
- Tipalti: first choice in 5 of those 83
- Stax: first choice in 3 of those 83
- Airwallex: first choice in 1 of those 83
- BILL Accounts Receivable: first choice in 1 of those 83

## Cross-border payments and FX

**Small business**: 84 of 84 answers did not name PayPal (PayPal is #7 of 7 at 0%).

- Wise Business: first choice in 51 of those 84
- Airwallex: first choice in 7 of those 84
- OFX: first choice in 7 of those 84
- Ebury: first choice in 1 of those 84
- Payoneer: first choice in 1 of those 84
- Revolut Business: first choice in 1 of those 84
- Stripe: first choice in 1 of those 84
- WorldFirst: first choice in 1 of those 84

**Mid-market**: 81 of 84 answers did not name PayPal (PayPal is #13 of 13 at 0%).

- Wise Business: first choice in 31 of those 81
- Airwallex: first choice in 14 of those 81
- Tipalti: first choice in 6 of those 81
- FXGuard: first choice in 4 of those 81
- Remitly: first choice in 3 of those 81
- iBanFirst: first choice in 3 of those 81
- Corpay Cross-Border Payments: first choice in 2 of those 81
- OFX: first choice in 2 of those 81

**Enterprise**: 83 of 84 answers did not name PayPal.

- Airwallex: first choice in 17 of those 83
- Kyriba: first choice in 11 of those 83
- Adyen: first choice in 7 of those 83
- Wise Business: first choice in 7 of those 83
- Convera: first choice in 4 of those 83
- Tipalti: first choice in 4 of those 83
- Thunes: first choice in 3 of those 83
- Nium: first choice in 2 of those 83

Published under CC BY 4.0. The output is the models' output; nothing here is a recommendation by the index.