In today’s society a lot of business and transactions are done online and with that comes many choices involved with these payments. There are several different methods and platforms that can be used. It can be challenging to decide on the correct platform to use based on your condition.

This article will analyze and detail the different methods and platforms that can be used to SEND MONEY ONLINE, both domestically and overseas, and why you should use them.

Online Payment Services (Best Way To Pay For Services / Goods Online)

There are several options when it comes to choosing an online payment service to either make a purchase from a vendor or to pay an individual. Many of these services compete for each other and it can be difficult choosing the exact service. These are sometimes called Email Money Transfer services, but are, in certainty, a whole payment gateway that can support many different payment methods.

The following is a detailed categorization of the major online payment services.


Google Wallet

Google Wallet allows you to send money to people quickly similar to PayPal. The recipient just needs a Gmail email address. You can send money straight out of your Google Wallet or from linked bank account and credit/debit card. It is lighting fast as you can transfer money from your Google Wallet straight to your bank account in about one day which is quicker then Paypal. One downside to Google Wallet is that it is currently only available for use in the United States.

Costs: The costs associated with Google Wallet are very straight forward. There are no fees to set up Google Wallet and to use it in stores. However, adding funds to your Google Wallet balance using your debit card will cost 2.9% of the total amount transferred, a .30 cent minimum applies.

Cost to Send $1000: If you were to send $1000USD  to somebody it would cost you $0 as sending and receiving money is totally free. However, if you needed to send the $1000 with your debit/credit card there would be a fee of $29.00 for a total of $1029USD.

Best Suited For: Very similar to PayPal as you can send it to family friends easily and quickly without having to wait for bank transfers to go through etc. Google Wallet and Paypal compete with each other  therefore it is the same market as Paypal.

  • Pros: Very fast and sending money back to your bank account can be quicker then PayPal.
  • Cons: You have to have a Gmail email address to use Google Wallet which could affect how many people use it. It is only available to use in the U.S.


Amazon Pay

Amazon pay allows you to make purchases form merchants as well as sending money to individuals. You use Amazon pay by logging on using your Amazon account information. Amazon pays functions very similar to Paypal. You can use a credit card, debit card, or your bank account balance for the payments. Amazon Pay allows you to send up to $1000 USD per month. Like Paypal you can send a request for a payment, all they need is your username, phone number or email address. There is also the option of sending money to people who do not yet have an account set up, the recipient will have to create an account to receive the money. Amazon also has a unique and handy feature called Amazon PayPhrase. With this, you set up your own 3 word phrase that can be used to purchase items from retailers or send money to individuals. This is a neat way to send money without having to reveal any personal information.

Best Suited For: This service is best suited for individuals who are very active on Amazon. It best suits individuals who make frequent purchases through merchants. Amazon Pay is best suited for individuals who are already very active on Amazon.

Costs: Amazon pay is completely free when sending money to family and friends. When using Amazon Pay through merchants the cost is 2.9% with a per-transaction fee of $.30 and a total processing fee of $0.59.

Costs to Send $1000: The cost of sending $1000 USD to a merchant would be $1029.89 USD. The cost of sending $1000 USD to family and friends would remain $1000 USD.

  • Pros: Very effective for purchasing good though online merchants.
  • Cons: Unfortunately there is a limit of $1000USD per month of funds you can send to family and friends. This is a major disadvantage if you frequently send money to individuals as you could easily go over the $1000 limit.



Epay is a fast, flexible platform that allows you to send money to family in friends just minutes. It’s available for use on both IOS and Android. All you need is an email address and a smartphone and you are able to use Epay. A unique feature of Epay is the multiple transfer channels. If you work overseas and want to send money to home, or you want to transfer you asset to another place, Epay is an optimal choice for you.

With Epay wallet, you can deposit through three main channels, which is:

  • Banking channel:Epay supports 15 currency to deposit or withdraw based on Epay local bank around the world.
  • Ecurrency channel:Epay integrate well-known e-wallet such as Perfect Money, Payeer, Advcash, Fasapay, etc.
  • Crypto channel: The 9 main cryptocurrencies can be transacted in Epay including 3 mainstream stable coins: USDT, EUSD, PAX.

If you want to transfer money by bank account, you don’t need to deposit Epay balance. After login and verify identity, you can send money to home with filling a simple table form and a fingertip at your smartphone.

Best Suited For: Anyone who needs to send money quickly without the wait of bank transfers and fees etc. Epay is suitable for someones who work abroad like OFW in Hong Kong who send money to home per month with a small amount.

Costs: Deposit&withdraw fees were displayed on the official website. There is a fee table for sending money to another country. More details just click here.

Sending currencies

Target currency







55 HKD per transaction


22 HKD per transaction




12 HKD per transaction



 Costs to Send $1000: The cost of sending $1000 HKD to the Philippines would be $  ₱ 6645.89 PHP.

  • Pros: You can send money very quickly with reasonably low transaction fees. The transfer speed is within 2 hours.
  • Cons: Only support bank account to transfer money but get the lowest price online for sending money with small amount.


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