Safepay alternatives
10 products compared · Updated October 16, 2026
The short answer
For global reach, Stripe is the strongest alternative, suited to internet businesses needing broad currency and payment method support. For Indian operations, Razorpay offers a full financial suite including payments, banking, and payroll. For European e-commerce, Mollie provides transparent per-transaction pricing with local methods like SEPA Direct Debit.
Your shortlist, at a glance
Read the comparisons ↓
Stripe2.9% + 30¢Internet businesses that need global payment coverage and flexible billing models.
AdyenInterchange++ + feesGlobal enterprises and large marketplaces that need a single platform for payments, payouts, and embedded financial products at scale.
PayPalNot publishedBusinesses with international customers that want a widely recognized payment method with built-in buyer protection.
BraintreeNot publishedOnline businesses with international customers that need PayPal, Venmo, and digital wallet payments alongside card processing.
ArrowNot publishedTeams already familiar with Arrow's checkout platform who need a Southeast Asia-focused solution and can work around the current website outage.
Square PayrollNot publishedUS-based businesses already using Square that want payroll and scheduling in the same workflow.
RazorpayFrom 2.70% + $0.30Indian businesses that need payments plus banking, payroll, and corporate cards in one platform.
MollieFrom 1.80% + €0.25European e-commerce businesses and SaaS platforms that want pay-per-transaction pricing and local payment methods.
Authorize.net$25/mo + 2.9% + 30¢US-based small businesses and freelancers that want a simple, reliable payment gateway with strong fraud protection and live support.PayU2% domestic, 3% intlIndian businesses of any size that need a payment gateway with UPI and local payment methods.
About Safepay and its alternatives
Safepay is a financial technology platform for businesses in Pakistan, offering end-to-end payments, data, and financial management. It is known for accepting international payments, connecting multiple gateways, and being regulated by the State Bank of Pakistan. Its standard pricing is 2.9% plus Rs 30 per transaction, with custom routing available at Rs 15,000.
When comparing alternatives, weigh pricing structure (per transaction, monthly fees, volume discounts), regional coverage (which countries and local payment methods are supported), integrations with your e-commerce platform, and contract terms (lock-in, setup fees, support availability). Consider whether you need Pakistan-specific features like local acquiring or State Bank regulation, or if global coverage matters more.
Explore the alternatives
- 2.9% + 30¢
1.Stripe
Best for: Internet businesses that need global payment coverage and flexible billing models.
- Pricing
- 2.9% + 30¢
- Category
- Finance & Accounting
Stripe is a global payments platform that handles online and in-person transactions, billing, and money movement. Choose it over Safepay if you need to operate internationally, support many currencies and payment methods, or scale beyond Pakistan.
Where it is strong
- Supports 135+ currencies and payment methods worldwide.
- Handles high transaction volumes with 99.999% uptime.
- Offers tools for subscriptions, invoicing, and fraud prevention.
Where it falls short
- Not regulated by the State Bank of Pakistan, so local payment methods may be limited.
- Pricing for many features is custom and requires contacting sales.
- Pricing:
- Standard pricing is 2.9% + 30¢ per successful transaction for domestic cards, with custom pricing for other features.
- Switching from Safepay:
- Moving from Safepay to Stripe means re-integrating payment APIs and migrating customer data, but Stripe provides migration guides and consulting partners.
- Interchange++ + fees
2.Adyen
Best for: Global enterprises and large marketplaces that need a single platform for payments, payouts, and embedded financial products at scale.
- Pricing
- Interchange++ + fees
- Category
- Finance & Accounting
Adyen is an enterprise-grade payments platform that handles payments, data, and financial products in one place. Choose it over Safepay if you are a large global business that needs 150+ currencies, 200+ local payment methods, and bank-grade compliance across multiple regions.
Where it is strong
- Processes over €1.4 trillion annually with 99.999% uptime
- Supports 150+ currencies and 200+ local payment methods
- One API for payments, data, and financial products
Where it falls short
- Pricing is not transparent. Requires a sales conversation for exact rates
- May be overkill for small businesses or startups that only need basic payment processing
- Pricing:
- Pricing is per transaction with a fixed processing fee plus a method-specific fee. No setup or monthly fees, but minimum invoices apply depending on industry. Interchange++ pricing passes interchange fees directly to you.
- Switching from Safepay:
- Moving from Safepay to Adyen involves re-integrating your payment stack, as Adyen's API and dashboard differ from Safepay's, and you'll need to go through Adyen's onboarding and eligibility review.
- Not published
3.PayPal
Best for: Businesses with international customers that want a widely recognized payment method with built-in buyer protection.
- Pricing
- Not published
- Category
- Finance & Accounting
PayPal is a global payments platform that lets businesses accept payments online and in person, with buyer protection and a large user base. Choose it over Safepay if you need to reach customers worldwide and want a well-known brand that customers trust.
Where it is strong
- Global reach with up to 400 million active accounts.
- Built-in Seller Protection on eligible transactions.
- Supports online, in-person, and Pay Later options.
Where it falls short
- Pricing is not transparent. Custom quotes require contacting sales.
- Expanded Checkout puts chargeback and compliance responsibilities on you.
- Pricing:
- In the United Kingdom, standard domestic fees apply, with custom pricing available for high-volume businesses. Specific rates are not listed on the page.
- Not published
4.Braintree
Best for: Online businesses with international customers that need PayPal, Venmo, and digital wallet payments alongside card processing.
- Pricing
- Not published
- Category
- Finance & Accounting
Braintree is a global payment platform that handles cards, digital wallets, and local payment methods across 200+ markets. Choose it over Safepay if you operate internationally and need PayPal, Venmo, or Apple Pay support, or if you want a sandbox to test before applying for a merchant account.
Where it is strong
- Global reach with payouts to 200+ markets in 50+ currencies
- Supports PayPal, Venmo, Apple Pay, and Google Pay
- Level 1 PCI DSS compliant with a sandbox for testing
Where it falls short
- No published pricing, so costs require a sales conversation
- Primarily aimed at larger enterprises, which may be overkill for small startups
- Pricing:
- Pricing is not published on the site.
- Not published
5.Arrow
Best for: Teams already familiar with Arrow's checkout platform who need a Southeast Asia-focused solution and can work around the current website outage.
- Pricing
- Not published
- Category
- E-commerce
Arrow is a checkout platform for D2C brands in Southeast Asia, but its website is currently unreachable, so we cannot verify its features or pricing. Choose Arrow only if you have prior knowledge of its capabilities and can confirm it meets your needs despite the site outage. For most founders, Safepay is a safer bet because its site and pricing are live and verifiable.
Where it is strong
- Focused on D2C brands in Southeast Asia
- Positioned as a modern checkout platform
- Likely tailored to regional payment methods
Where it falls short
- Website is currently unreachable, so details are unverifiable
- No pricing or feature information available
- Pricing:
- Pricing is not published on the site.
- Not published
6.Square Payroll
Best for: US-based businesses already using Square that want payroll and scheduling in the same workflow.
- Pricing
- Not published
- Category
- Finance & Accounting
Square Payroll handles payroll, shift scheduling, and staff management inside the Square ecosystem. Choose it over Safepay if you already run your business on Square and need payroll tied to your existing payments setup, not a standalone payment gateway.
Where it is strong
- Payroll and scheduling are integrated with Square payments.
- No separate payroll system to learn or maintain.
- Works with Square's existing staff and sales data.
Where it falls short
- Only useful if you already use Square for payments.
- No public pricing, so you must contact Square for a quote.
- Pricing:
- Pricing is not published on the site.
- From 2.70% + $0.30
7.Razorpay
Best for: Indian businesses that need payments plus banking, payroll, and corporate cards in one platform.
- Pricing
- From 2.70% + $0.30
- Category
- Finance & Accounting
Razorpay is a full-stack financial platform for Indian businesses, covering payments, banking, payroll, and more. Choose it if you operate in India and need a broad suite beyond just payment processing, including business banking and payroll.
Where it is strong
- Supports 100+ payment methods including UPI, cards, and net banking.
- Includes business banking, payroll, and corporate cards.
- RBI-approved for international payments with multi-currency accounts.
Where it falls short
- Pricing shown is for the US. Indian pricing may differ and is not published here.
- Enterprise plan requires $12M+ annual processing, which may be too high for small startups.
- Pricing:
- In the United States, cards are 2.70% + $0.30 per transaction, with volume-based discounts for higher volume.
- From 1.80% + €0.25
8.Mollie
Best for: European e-commerce businesses and SaaS platforms that want pay-per-transaction pricing and local payment methods.
- Pricing
- From 1.80% + €0.25
- Category
- Finance & Accounting
Mollie is a European payment platform for online and in-person payments, with transparent per-transaction pricing and no monthly fees. Choose it over Safepay if you operate in Europe and need a payment provider with local payment methods like SEPA Direct Debit and volume discounts.
Where it is strong
- No monthly fees or lock-in contracts. Pay only for successful transactions.
- Volume pricing and IC++ pricing for high-volume businesses.
- Built-in payment links, invoicing, and recurring payments at no extra cost.
Where it falls short
- Pricing is in euros and focused on European payment methods. Not suited for Pakistan-based businesses.
- No mention of support for Pakistani local payment methods or State Bank of Pakistan regulation.
- Pricing:
- Standard pricing is pay per transaction only: EEA consumer cards are 1.80% + €0.25, commercial cards 2.90% + €0.25, non-EEA cards 3.25% + €0.25, SEPA Direct Debit €0.35, SEPA Bank Transfer €0.25. Volume pricing is available for processing over €100,000 a month
- $25/mo + 2.9% + 30¢
9.Authorize.net
Best for: US-based small businesses and freelancers that want a simple, reliable payment gateway with strong fraud protection and live support.
- Pricing
- $25/mo + 2.9% + 30¢
- Category
- Finance & Accounting
Authorize.net is a US-focused payment gateway that lets you accept credit cards, debit cards, and eChecks online or in person. Choose it if you need a straightforward, Visa-backed processor with 24/7 human support and built-in fraud tools, and you don't need Safepay's Pakistan-specific features like local payment methods or State Bank regulation.
Where it is strong
- 24/7 live support from real people, no bots or ticket queues.
- Built-in fraud detection with customizable rules, praised by Forbes 2025.
- Accepts credit cards, debit cards, eChecks, and digital wallets like Apple Pay and Google Pay.
Where it falls short
- eCheck processing is only available for US-based businesses.
- No built-in support for Pakistan-specific payment methods or local acquiring.
- Pricing:
- The all-in-one plan costs $25 per month plus 2.9% + 30¢ per transaction. The gateway-only option is 10¢ per transaction plus a 10¢ daily batch fee, and eCheck processing is 0.75%.
- Switching from Safepay:
- Moving from Safepay to Authorize.net requires setting up a new merchant account and re-integrating your checkout, but the API is well-documented and many platforms have plugins.
- 2% domestic, 3% intl
10.PayU
Best for: Indian businesses of any size that need a payment gateway with UPI and local payment methods.
- Pricing
- 2% domestic, 3% intl
- Category
- Finance & Accounting
PayU is a payment gateway for businesses in India, offering 150+ payment modes including UPI, cards, and net banking. Choose PayU over Safepay if you operate in India and need broad local payment coverage with a pay-as-you-use model.
Where it is strong
- 150+ payment modes including UPI, cards, wallets, and BNPL
- No setup or annual fees. Pay only for successful transactions
- Custom pricing for higher volumes and enterprise needs
Where it falls short
- Pricing is India-specific. Not suitable for Pakistan-based businesses
- International transactions cost 3%, higher than domestic rates
- Pricing:
- PayU charges 2% for domestic cards, net banking, wallets, and BNPL, and 3% for EMI, Amex, Diners, and international transactions. UPI P2P has zero MDR. GST applies extra. No setup or annual fees.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about Safepay alternatives
Which alternative is best for a business outside Pakistan?
Stripe is the strongest choice for global operations, supporting 135+ currencies and payment methods worldwide. Mollie is better for European businesses with local methods like SEPA Direct Debit. Braintree also offers global reach with PayPal and digital wallets.
Are there alternatives with transparent pricing?
Mollie publishes clear per-transaction rates, such as 1.80% plus €0.25 for EEA consumer cards. PayU lists specific rates for domestic and international transactions in India. Authorize.net shows a flat monthly fee plus per-transaction costs. Stripe and Razorpay also publish standard rates, but custom features require sales contact.
Which alternative supports recurring payments and subscriptions?
Stripe has built-in billing for subscriptions and recurring revenue. Razorpay supports recurring payments through auto debit. Mollie offers recurring payments at no extra cost. Safepay also supports recurring payments, but these alternatives provide similar functionality with broader regional coverage.
What should I consider for local payment methods in Pakistan?
Safepay is regulated by the State Bank of Pakistan and supports local payment methods. Among alternatives, none explicitly mention Pakistani local methods. Stripe and Braintree have global reach but may not offer Pakistan-specific acquiring. For Pakistan-focused needs, Safepay remains the safest option.
Are there alternatives with no monthly fees?
Mollie charges no monthly fees, only per-transaction costs. PayU has no setup or annual fees. Stripe and Razorpay also have no monthly fees for standard processing. Authorize.net charges a $25 monthly fee, so it is less ideal if you want to avoid fixed costs.
Last updated October 16, 2026.