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I'm looking for a way to send money between individuals, similar to PayPal, but one that is not PayPal. I know there's Google Checkout and Amazon Marketplace, but do either of these work to hold personal funds? PayPal offers a free PayPal debit card option, and you can transfer your funds out to your bank for a small fee.

I really can't stand the idea of funding these guys after the whole WikiLeaks fiasco.

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I don't think a payment landing page is even remotely similar. –  Evan Carroll Jul 27 '11 at 16:09
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6 Answers

If you have a Google Wallet account, you can do it with Gmail.

Send and receive money from anywhere

Send friends money with Gmail, as easily as you’d send them a picture. This feature is still rolling out to US Gmail users, but you can get early access by installing and using the Google Wallet app.

There's a video that explains.

Gmail help: Send and receive money with Gmail and Google Wallet

How to send money

  1. Open Gmail.
  2. Click the Compose button.
  3. Enter the email address of the person you want to send money to.
  4. Add a subject and message text (optional).
  5. Hover over the + icon at the bottom of the compose window and click the $ icon. Gmail Compose Insert Options screenshot Gmail Compose Attach money icon
  6. If you don't have Google Wallet yet, you’ll be asked to set up your account.
  7. Enter the amount you want to send and choose a funding source.
  8. Click Attach.
  9. Look over your message one more time and click Send.

Payment methods and charges

It's free to send money using your Google Wallet Balance or your bank account linked to Google Wallet. To send money using your credit or debit card, there is a flat fee of 2.9% per transaction (minimum $0.30).

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This Wired article lists ING Direct Person2Person and Serve as two other viable alternatives.

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There's Moneybookers.com. They do have fees, but they don't appear to be too bad, and they are one of the few things that EBay directly supports (in addition to PayPal). I've not used them yet, but I have an account and plan to use them for future EBay sales to see how they work out.

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You can use Amazon Payments to send money.

Send money to your friends and family using the payment information in your Amazon.com account. You can send money to their e-mail address or U.S. mobile number online or via your mobile phone.

And there is no FEE (unlike paypal):

Is there a fee for using Amazon WebPay?

No, there is no charge to send money using Amazon WebPay.

You can use popmoney as well. Many banks, such as Ally bank are using them.

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I know that Chase now offers a free service for their customers to send funds to anyone with an email account regardless of the recipients bank. I've used it a few times and it's worked fairly well. I think it's limited to direct debits though rather than credit.

You might want to also have a look at Square (Squareup.com) although I'm not sure if it's only for virtual terminal and swipe usage vs. sending an invoice with a payment link.

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AlternativeTo lists a number of options.

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