A PayPal alternative that won't freeze your growth
PayPal's aggregator model can limit accounts and hold balances when volume spikes or a business looks high-risk. Spectrum ePay underwrites you to your own merchant account so your cash flow stays yours.
Why merchants leave PayPal
Balance frozen or a rolling reserve applied without clear timelines
Account limited after a sudden jump in sales
Buyer-friendly dispute handling that leaves sellers exposed
No dedicated underwriting relationship as you scale
PayPal vs. Spectrum ePay
A head-to-head look at what changes when you switch.
How Spectrum ePay solves it
Your own merchant account
Instead of sharing an aggregator, you're underwritten to a dedicated account sized for your volume, so growth doesn't trigger a freeze.
Predictable settlement
USD payouts to your U.S. bank on a defined schedule, with any reserve terms agreed in writing before you launch.
Chargeback support
Tooling and a team to help you fight disputes and manage chargebacks, rather than a process weighted toward the buyer.
Frequently asked questions
Why does PayPal freeze funds?
PayPal uses a shared aggregator model and manages risk across all sellers on the platform, so sudden volume changes or higher-risk categories can trigger holds or reserves. A dedicated merchant account is underwritten to your business specifically, which reduces the surprise-freeze risk.
Will I lose access to my money during a switch?
No. You keep operating while we underwrite and integrate you. Once live, settlements go in USD to your U.S. bank on a defined schedule.
Is there a contract?
No long-term contract and one flat rate — you can integrate the same day.
Ready to leave PayPal behind?
90%+ approvals, USD payouts to your U.S. bank, and a checkout that feels like Stripe. Same-day integration, no contract, one flat rate.