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

Finance AI Recommendation Index, September 2026 Edition. 418 of the 432 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: 73
- Airwallex: 36
- Adyen: 28
- Helcim: 28
- Stripe: 21
- Melio: 15

## Cross-border payments and FX

**Small business**: 71 of 72 answers did not name PayPal (PayPal is #8 of 8 at 0%).

- Wise Business: first choice in 47 of those 71
- Airwallex: first choice in 4 of those 71
- Revolut Business: first choice in 3 of those 71
- Corpay Cross-Border: first choice in 2 of those 71
- WorldFirst: first choice in 2 of those 71
- OFX: first choice in 1 of those 71
- Stripe: first choice in 1 of those 71
- XE Business: first choice in 1 of those 71

**Mid-market**: 69 of 72 answers did not name PayPal (PayPal is #11 of 11 at 0%).

- Wise Business: first choice in 21 of those 69
- Airwallex: first choice in 18 of those 69
- Corpay Cross-Border: first choice in 3 of those 69
- Thunes: first choice in 3 of those 69
- Ebury: first choice in 2 of those 69
- Kantox: first choice in 2 of those 69
- OFX: first choice in 2 of those 69
- Bound: first choice in 1 of those 69

**Enterprise**: 72 of 72 answers did not name PayPal.

- Airwallex: first choice in 13 of those 72
- Thunes: first choice in 11 of those 72
- Kyriba: first choice in 8 of those 72
- Wise Business: first choice in 5 of those 72
- Adyen: first choice in 4 of those 72
- Corpay Cross-Border: first choice in 3 of those 72
- ConnectPay: first choice in 2 of those 72
- Convera: first choice in 1 of those 72

## B2B payment acceptance

**Small business**: 66 of 72 answers did not name PayPal (PayPal is #7 of 10 at 5%).

- Helcim: first choice in 18 of those 66
- Melio: first choice in 11 of those 66
- BILL: first choice in 6 of those 66
- Bill360: first choice in 3 of those 66
- Nickel: first choice in 3 of those 66
- Stripe: first choice in 3 of those 66
- Stripe Invoicing: first choice in 2 of those 66
- BILL Accounts Receivable: first choice in 1 of those 66

**Mid-market**: 68 of 72 answers did not name PayPal (PayPal is #13 of 13 at 0%).

- Helcim: first choice in 10 of those 68
- Stripe: first choice in 10 of those 68
- Versapay: first choice in 8 of those 68
- EBizCharge: first choice in 7 of those 68
- Billtrust: first choice in 4 of those 68
- Melio: first choice in 4 of those 68
- Adyen: first choice in 2 of those 68
- BILL: first choice in 2 of those 68

**Enterprise**: 72 of 72 answers did not name PayPal.

- Adyen: first choice in 22 of those 72
- HighRadius: first choice in 13 of those 72
- Stripe: first choice in 7 of those 72
- Billtrust: first choice in 6 of those 72
- Stax: first choice in 4 of those 72
- Tipalti: first choice in 2 of those 72
- Worldpay: first choice in 2 of those 72
- Airwallex: first choice in 1 of those 72

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