5 Best Payment Apps for Freelancers and Virtual Assistants

Donald Ngonyo
1:02 pm
July 6, 2023
a phone with a pay pay logo on it

If you work as a freelancer or virtual assistant, the biggest question is how to get paid as a freelancer. You must have the right payment option to ensure you get your money on time. A good payment app or software makes accepting payments easier.

When choosing a payment app as a freelancer or virtual assistant, consider aspects like processing fees, currencies available, payment methods, transfer limits, country availability, and processing time. These essential considerations ensure that you get paid on time without any delays.

How to Choose a Payment App for Your Freelance Business

You should consider several factors when choosing a payment processor as a freelancer or virtual assistant. First, it is important to consider the transaction fees, processing time, country availability, currency support, payment methods, and transfer limit. Depending on the payment app you settle for, the sender and receiver can be charged some commission. Always consider the transaction fees when choosing a payment option.

With the recommended apps, you will receive payments from most parts of the world. So, take time and survey an ideal option that will suit your business goals and needs.

Top Payment Apps For Freelancers

Instead of relying on wire transfers or physical checks, receive payments using these top digital payment apps. We have evaluated these apps based on features, payment methods, transaction times, and currencies.


Skrill is an online payment processing app that allows you to make payments across borders at lower costs. The standard payment completion time is three days, which is the standard for the Skrill team to approve the settlement. However, the completion time per transaction depends on numerous factors, including payment methods, country of residence, and amount. Instant transfers can happen between Skrill-to-Skrill transactions.

When receiving money, Skrill does not charge anything. However, there is a currency conversion rate of 3.99% for all Skrill transactions. Skrill is available across many countries worldwide, making it a powerful payment option for freelancers and virtual assistants. It allows bank transfers, credit card debit cards, and digital eWallet. The transfer limits range between $10 to $10 000.


Regarded as one of the best PayPal alternatives available in the market, Payoneer has more than 4 million users worldwide. Payoneer allows you to make online payments using a few tricks, and you can track your account balance and transaction history. Receiving payments cost less compared to other payment option.

With Payoneer, you can pay people directly to their bank accounts or transfer to their Payoneer accounts. You can also get a physical and virtual MasterCard for your Payoneer, which allows you to make online transactions.

Another advantage of using Payoneer is getting a virtual US bank account, which helps you withdraw funds from Amazon and other platforms. Payoneer also allows you to request payments and send invoices to customers.


Wise, formally called TransferWise, is an international money transfer service that enables users to make transactions by matching transfers and taking a small commission fee. Wise is the best payment processing app every freelancer signs up for. The processing time for Wise depends on the country, amounts, payment methods, and currencies. It could take several seconds to five business days.

The fees charged on Wise transactions also depend on the countries, currencies, and amounts involved. Depending on country availability, Wise also has a card service that you can get for $9. It is available in over 40 countries and allows you to transact in over 50 currencies.

With this payment app, you can ask your client to pay for your freelance work through bank transfers, direct debit, Visa and Mastercards, wire transfers, Apple Pay, and other payment options. The transfer limit depends on the amounts, currencies, and payment methods.


With over 200 million users, PayPal is the leading online payment app for freelance and small businesses. It is the most available digital payment solution in almost every country. It is user-friendly because you only need to create an account on the PayPal website or use the PayPal app from Google Play or Apple Store. PayPal allows you to connect your credit card, receive payments from clients, send money to friends, and withdraw money to your bank or mobile wallet.

Payment processing takes between 3 to 5 days, and fees vary depending on the country where money is sent from, where the money is sent to, and the method of payment. Although it is available in more than 200 countries, it is crucial to check your country’s eligibility and payment terms when opening your account.


Stripe is an online payment processing app that handles payments from internet-based businesses. The payment processing takes several days and 2.9% + $0.3 per card transaction. It is available in about 20 countries, and you can transact more than 135 currencies. The payment methods supported by Stripe include credit cards, debit cards, bank transfers, and digital wallets.

There is no transfer limit on the amount that can be transferred. Stripe comes with advanced fraud protection and dispute handling, which ensures seamless transactions between freelancers and customers. It also has a dashboard for analysis purposes and consolidated financial reports.

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