8 Art Commission Payment Alternatives to PayPal

art commission payment alternatives

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Looking for a reliable online payment solution for your art commissions? Although PayPal is widely recognized by most artists, it is not available in every country, has higher fees, has risks of account holds, and there’s a lack of comprehensive support for less common forms of payment like checks, cryptocurrencies, etc.

This brings up the question, are there any truly reliable PayPal alternatives out there that can overcome its disadvantages?

Well, no need to look elsewhere!

We’ve prepared a comprehensive list of the best online art commission payment methods service solutions for artists that you can use to receive payments without worries:

[BTW! Don’t miss out on the ProTips for using our top online payment solution picks that we reserved at the end!]

Our Top 4 PayPal Alternative Picks

Product

Strength

Details

Best Overall PayPal Alternative

  • Diverse payment options that you can use to conveniently accept a wide array of payment methods that are commonly used by most consumers.
  • Supports international transactions, allowing you to connect with art lovers from various countries.
  • Supports automation of recurring payments you can use to efficiently receive cash from long-term commission clients.

Best for Electronic Bank/Wire Transfers

  • Easy-to-use platform that removes most complications and makes it easy to get started if you’re a beginner.
  • Transparent, low fees — one of the most cost-effective solutions for an artist with small businesses.
  • Quick and efficient cash transfers, allowing you to receive money for your services quickly.

#3. Coinbase

coinbase

Best for Cryptocurrency

  • Supports 200+ cryptocurrencies, allowing you to get paid by clients of all types.
  • No account minimum is required — allowing you to receive cryptocurrency as payments from clients whenever you need it.
  • Coinbase can be used in various platforms, allowing you to connect with clients wherever you and they feel most comfortable.

#4. Google Pay

google pay

Best Digital Wallet App

  • Supports both iOS and Android devices, which makes it more suitable for all types of users.
  • Packed with many layers of security, allowing you to make transactions with ease of mind.
  • Feature-rich, multi-purpose tool that gives you centralized, all-around use.

PayPal’s Details for Quick Comparison

paypal

Specifications

Pricing

Payment Options: Bank Account, Visa, Mastercard, Discover, American Express, Paypal Balance, etc.

Key Features:

  • Business functions that streamline daily operations (e.g., sales tracking, customer analysis, risk management, shipping support, etc.)
  • ‘PayLater’ allows clients to settle payments in installments at no extra cost to you.
  • Compatible with many major and minor ecommerce platforms.

Transaction Fees: 2.29% to 3.49% + fixed fee based on currency received.

International Transfer Fees: Transaction fee + additional 1.50% fee for all international transactions.

Max Transaction Limit: $60,000 per transaction for a verified account.

PayPal is the most popular payment service in the world — which is very well-deserved fame. When it comes to sending and receiving cash, you can’t go wrong with PayPal.

If not for restrictions on certain countries and the slightly higher fees that make it impossible to conduct transactions with certain clients, we wouldn’t have to recommend so many other payment solutions for your art commission business.

That being the case, you can consider PayPal as your standard for distinguishing the advantages and disadvantages of the following PayPal alternatives:

PayPal Pros and Cons

Pros

  • Widely used by many individuals and merchants
  • Flexible payment transfer options for receiving money
  • Transparent fees for receiving payment for art commission services

Cons

  • Higher fees for select online payments
  • Bank account transfers may experience delays
  • Risk of account holds and terminations

#1 Best Overall PayPal Alternative: Stripe

 

stripe

Overall Rating: 5/5

5/5

Specifications

Pricing

Payment Options: Credit and Debit Card, Digital Wallets, Bank Account, etc.

Key Features:

  • Diverse payment method options and accepts currencies from many countries.
  • Online store support.
  • User-centric design that is most suitable for small business entrepreneurs.

Transaction Fees: 2.9% + $0.30 per transaction

International Transfer Fees: Transaction Fees + an additional 1% fee.

Max Transaction Limit: Varies based on account type. Newly registered accounts are limited to $4,000 per transaction.

Just like PayPal, Stripe is a third-party payment service that allows businesses and individuals to accept payments without having to go through the trouble of setting up a merchant account with a specific bank.

The process of sending and receiving money is also very streamlined, so it doesn’t matter if you’re expecting to receive infrequent or regular payments from your commissions.

All in all, it’s a very useful alternative to settle transactions with clients who don’t use PayPal!

Stripe Pros and Cons

Pros

  • Very user-friendly PayPal alternative for online transactions
  • Supports various types of payments
  • Creates invoices automatically for easy finance management

Cons

  • Fees are higher than some other PayPal alternatives
  • Mixed customers and recurring settlements are either difficult to handle or blocked

#2 Best for Wire Transfers: Wise

wise

Overall Rating: 4.9/5

4.9/5

Specifications

Pricing

Payment Options: Debit Card, Credit Card, Bank Account Transfer, Digital Wallets (Apple Pay, Google Pay, etc), and more.

Key Features:

  • International support (supports 55+ currencies)
  • Streamlined cash transfers and banking services

Transaction Fees: FREE for non-wire and non-swift, fixed fee for wire transfers (e.g., $4.14 for USD wire transfers).

International Transfer Fees: Fixed Fee, varies based on currency (e.g., USD, $5.12 for USD to EUR conversion).

Max Transaction Limit: $1,000,000 for local bank account transfers.

Previously known as TransferWise, Wise makes up for the two main shortcomings of PayPal. Mainly, it supports transactions with certain countries not supported by PayPal, and the international fees for money transactions are less.

In any case, it’s good to have a Wise account prepared just in case. Especially if you expect to grow your online art commission business!

Wise Pros and Cons

Pros

  • Supports 55+ cash currencies
  • No markup on exchange rates
  • Lower transaction fees
  • Offers swift money-sending options

Cons

  • Limited customer support

#3 Best for Cryptocurrency: Coinbase

coinbase

Overall Rating: 4.7/5

4.7/5

Specifications

Pricing

Payment Options: Bank Account (ACH), Instant Card cashouts, Debit Card, Wire Transfer, PayPal, and Digital Wallets.

Key Features:

  • User-friendly interface for beginners in NFT and cryptocurrency transactions
  • Built-in NFT marketplace for trade
  • 200+ cryptocurrencies supported

Transaction Fees: 0.5% to 4.5% depending on cryptocurrency type.

International Transfer Fees: N/A

Max Transaction Limit: $25,000 daily cash maximum limit.

Although crypto exchanges are not necessarily common, it would still be a good idea to have a money transfer service prepared for those customers who prefer to use cryptocurrency.

For that, we recommend Coinbase! Coinbase supports a large variety of cryptocurrencies and is very easy to use. So, even if you’re a complete beginner in NFT and Crypto, you don’t have to worry. You can get the hang of it in no time!

Coinbase Pros and Cons

Pros

  • Wide-selection of crypto coins supported
  • User-friendly interface for beginners
  • Crypto Wallet services provided

Cons

  • Higher transaction fees than other services
  • Poor customer service

#4 Best Digital Wallet App: Google Pay

google pay

Overall Rating: 4.5/5

4.5/5

Specifications

Pricing

Payment Options: Credit and Debit Card, PayPal, Google Play Credit, etc.

Key Features:

  • Available on iOS and Android
  • Quick and easy set-up
  • High-level of security

Transaction Fees: Free

International Transfer Fees: Free

Max Transaction Limit: N/A

Nowadays, more and more people prefer cashless transactions with digital wallets for the sake of convenience and security. In accordance with this, there will only be more and more clients looking for those who accommodate such payments!

For this, we recommend opening a Google Pay. It’s quick to set up, easy to use, and altogether trouble-free. Of course, having a Google Pay profile to accommodate unique clients is more for their convenience than anything else, but it does no harm to have it prepared.

Google Pay Pros and Cons

Pros

  • Various methods of paying supported
  • Easy to use and quick to set up

Cons

  • Is not supported by many banks
  • Receipt of funds may be delayed

#5 Payoneer

 

payoneer

Overall Rating: 4.5/5

4.5/5

Specifications

Pricing

Payment Options: Credit and Debit Card, Bank, ACH Bank Debit, etc.

Key Features:

  • International transfers are supported (200+ countries)
  • Invoicing support for requesting payments from clients who want something else besides PayPal

Transaction Fees: FREE to 3% based on sending type

International Transfer Fees: Transaction Fees + 0.5% Currency Conversion Rate

Max Transaction Limit: $15,000

If you want to be able to accept money transactions globally, it’s not a bad idea to create a Payoneer account so that a client who prefers alternatives over PayPal can have access to your art commissions.

Payoneer Pros and Cons

Pros

  • Low-cost payments between Payoneer accounts
  • FREE to register and create accounts
  • Advanced support for international online transfers

Cons

  • Withdrawal fee required to move funds from Payoneer accounts
  • Risks of account holds and terminations

#6 QuickBooks

 

quickbooks

Overall Rating: 4.3/5

4.3/5

Specifications

Pricing

Payment Options: Credit Card, Debit Card, Venmo, and ACH Bank Transfer

  • Advanced finance management and accounting functions
  • Automatic invoicing for easy management

Transaction Fees: 1% to 3.5% Fees vary based on money transfer type.

International Transfer Fee: N/A

Max Transaction Limit: N/A

QuickBooks is actually better known as an accounting software. It’s commonly used by small businesses who want to keep a tighter hold on their finances with its auto-tracking functions.

If you choose Quickbooks as your chosen PayPal alternative, then you can streamline your commission work and solve everything from accepting and receiving money from your client on Quickbook!

QuickBooks Pros and Cons

Pros

  • Integrated with advanced accounting software
  • Automatic invoicing for maximum convenience

Cons

  • Slow servers and processing
  • May experience downtime

#7 Venmo

 

venmo

Overall Rating: 4.2/5

4.2/5

Specifications

Pricing

Payment Options: Venmo Balance, Bank, Debit Card, and Credit Card

Key Features:

  • Free to send money between Venmo users
  • Cryptocurrency exchange supported

Transaction Fees: FREE to 3%.

International Transfer Fees: N/A

Max Transaction Limit: $20,000 for verified Venmo accounts.

Although Venmo is far from the best of the PayPal alternatives on this list, for artists whose audience base is centered mostly in the US, it is a good option!

To reiterate, Venmo is US-based only. However, despite this great limitation, it’s still very popular with many users because of its lower transaction rates.

Venmo Pros and Cons

Pros

  • Beginner-friendly and quick to set up
  • Safe method for getting paid

Cons

  • (US only) It does not allow international transactions

#8 Seamless Chex

seamless chex

Overall Rating: 4.2/5

4.2/5

Specifications

Pricing

Payment Options: ACH, eCheck, Debit Card, and Credit Card.

Key Features:

  • Accept and verify checks online, by phone, or by fax.
  • Quick or next-day funding.
  • NO transaction fees (a subscription-based platform that charges based on the number of transactions)

Transaction Fees: N/A; However, there are monthly subscription fees starting at $24.99/month for 10 transactions

International Transfer Fees: N/A

Max Transaction Limit: N/A

Seamless Chex is a good alternative solution that you can have on hand as an artist when you’re trading more precious works.

Not many people use checks these days. At least, not many young people do! However, for those clients who are more traditional and prefer to trade with checks, it’s always best to have an option that can accommodate them.

Seamless Chex fills in this gap. Allowing you to conveniently accept and verify check payments without any harsh fees.

Just note! Although Seamless Chex does not have transaction fees, there are monthly subscription fees that start at around $24.99 per month for 10 transactions.

Seamless Chex Pros and Cons

Pros

  • Quick checkout experience
  • Convenient finance management
  • Website integrable

Cons

  • Subscription-based.

How to Accept an Art Commission Safely?

What kind of things should you keep in mind when accepting money from your client?

Take a look at the list below so that you can avoid the most common pitfalls of cash-related transfers:

  • Write a Detailed ‘Art Commission Contract’: When it comes to any money-related matters, it’s always best to have all the conditions written in a binding contract before you do anything. For this, you can check out this website for contract templates, OR you can read this article that details the general standards for artist contracts.

 

detailed art commission contract

 

  • Set-Up a Kill Fee: Because you never know what’s going on with the other person behind the screen, it’s best to set up non-refundable down payments (AKA, a kill fee) to prevent them from going back on their word. At least, even if they resolutely cancel the project for whatever reason, your efforts will not be entirely in vain.
  • Beware of Fraudulent Transactions: Although it’s best to provide convenience by providing a variety of cash transfer options. It’s best to avoid certain transaction types until you can be certain that you won’t be scammed. For example, scammers often overpay with fake checks and ask artists to return the extra money — this not only scams you of your well-deserved money but also squeezes out more cash from you.

 

beware of fraudulent transactions

 

  • Avoid Providing Private Information: When accepting money, you have to keep your private information safe! Never reveal your bank information, card information, passwords, social security numbers, etc. to your client. Otherwise, you may fall prey to identity theft and have all your money stolen.

How to Get Paid for Art Commissions?

To give you an idea of how cash flows between client and customer, we’ve summarized the general steps required to request and receive cash from customers whilst doing commissions below:

Accept Money with PayPal

  1. Register on the PayPal website. Choose a personal account if you plan to do commissions infrequently as a hobby, and choose a business account if you intend to do commissions professionally either part-time or full-time.
  2. Confirm email address, link bank information, and (optional) provide business information.
  3. To receive payment, request it through PayPal “Goods and Services” or give the customer your email address or phone number so that they can send it. You can also use the PayPal business app to send personalized invoices to send your request more professionally.
  4. NOTE: Remember to consider PayPal fees when requesting payment so that no misunderstandings occur (fees can be calculated through this online calculator).

 

accept money with paypal

 

Accept Money with Stripe

  1. Register on the Stripe website.
  2. Link your bank information, credit card, etc., and input your business information.
  3. To request and accept money, first ask the customer if they want to pay with their Stripe Balance to minimize fees. If not, create an invoice and request for the fee formally.

Accept Money with Wise

  1. Register on the Wise website.
  2. Share your bank information.
  3. Request payments through mail casually or with an invoice. You can receive money with a personal account directly with a link OR if you’re using Wise Business, you can receive money with Wise Card details, contact number, or mail address.

FAQs

Which Payment Method Is Considered the Safest?

Credit card transactions are considered the safest because credit cards offer encryption and fraud protection — allowing you to keep your personal information secure. Furthermore, credit card users are protected by federal law and come with purchase protection.

How Do I Get My Money Back From Fraud Payments?

To get money back from fraud payments, you have to contact your bank, payment processor, credit card issuer, etc. immediately to let them know what exactly has happened to see if you can get a refund. Also, be sure to provide details and evidence when filing your complaint!

How Much Should I Charge for Commissions?

How much your art commission work costs depends entirely on you. You can calculate it slowly. Start with material cost, then add to it how much your own personal effort is worth.

If you’re still at a loss, check out this article or read this book on art pricing to learn more!

Conclusion

Now that we’ve covered everything you need to know about online payment methods, we hope that you can go on to sell your art more conveniently and securely!

As a last tip! It’s best to have a place to settle your payments securely so that customers will think you are more credible. For this, your next task is to build an awesome artist website!

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