8 best payment method for bloggers and freelancer

Earning money online is the latest trend in the market and almost everyone nowadays running for earning some extra bucks. They earn either through blogging, YouTube, content writing, or simply by doing online freelancing. If you want to explore the 10 best ways to earn money online then please read this article first and then come to this article.

Online business has now gone global and you expect to have customers across the globe. But this problem always haunts bloggers or freelancers. How to collect payments? Since the customer base is across the globe so the problem is more severe as any single payment method won’t help this widely spread customer base. So in this article, we will talk about the 10 best payment methods for bloggers and freelancers to collect payment from any part of the world.

best payment method for bloggers

What is a payment method?

A payment method is a system to collect payments from customers. It can be offline payment or online payment. You can collect payment through your website, or using a mobile app, or using a POS terminal if you have a store. Since this article is about collecting payment from blogging and freelancing so we will restrict the list to online payments only.

Online Payment is safe?

No online payment is safe if you use it improperly. Now a day all payment gateways are using 256-bit encryption which is the highest security available for online transactions. So you can be sure that if you follow online transaction best practices, you will never run into an issue.

8 best payment method for bloggers and freelancer

We will talk about the 5 payment methods to collect payment internationally and another 5 methods to collect a payment within India. Since Paypal and Google Pay are used worldwide so we will list out eight payment methods below.


Without any doubt, PayPal is the best and widely used payment method in the world. Though not so popular in India and many banks have an issue with Paypal, if you want to collect payment from the USA it is the best option. You can create a PayPal account by simply signing up on their website. You need to have a social security number in the USA to sign up and in India, you need to have a PAN card to collect payment. You can collect payment using your personal account or you can create a business account to collect payment.

To transfer money from your PayPal account to your bank account, you have to link your bank account to your PayPal profile or you can opt for their debit card to withdraw payment from any ATM. PayPal also has a service called? PayPal credit? which you can use while making an online purchase. This is a kind of virtual credit card.

One of the major issues with PayPal is the money transfer timeline. It takes more than a week to transfer money in your account in contrast to instant deposits by other service providers. But still, I feel that it is the best payment method considering the service it offers.


  • Available across the world
  • Option to have a debit card
  • Easy financing using Paypal Credit


  • No direct payment using NFC
  • Long transfer timeline
  • History of hacking

Google Pay

Off late I started using Google Pay in most of the retail outlets in the USA and surprised by the convenience it offers. You can simply make payments by using NFC technology. No need for any card or no need to touch any device. Even a couple of times I did an online transaction using Google Pay and the experience is just mind-blowing. Google Pay was launched as Tez in India and recently changed its branding to use Google Pay. name in India as well. Within a few months, it became very popular


  • Direct payment using NFC
  • Widely accepted at retail stores
  • Payment without any physical interface


  • No debit card option
  • Worldwide it is not acceptance
  • No financing option


Xoom is a PayPal service but what impressed me is that it offers instant money transfers from the USA to India. So if you are looking for payments from the USA and want to have an instant deposit then Xoom is a good option. Though the service charge is more you will have peace of mind by having an instant deposit.


  • Instant money transfer
  • Tied up with major Indian banks
  • Backed by Paypal


  • No direct payment using NFC
  • Not widely accepted
  • Service charge is more

Cash App

Cash App is a good option if you have a USA bank account and want to accept from USA customers only. It offers an instant collection and also offers instant deposits to your bank account. You can also have a debit card so that you can use that for retail store payment.


  • Instant money transfer
  • Best suited for USA banks
  • The option of debit card


  • No direct payment using NFC
  • The debit card is accepted everywhere
  • Not tied up with many banks


Apart from Paypal, Payoneer is one of the oldest payment method available for bloggers and freelancers. It is widely accepted in countries like India and Pakistan and you can collect payment from the USA and European countries, The service change is very less, so you end up making more money


  • Low service charge
  • Widely accepted


  • Still not that popular like PayPal
  • Unreliable support.


No wonder why PayTM is the best payment method in India. PayTM brought a revolution in the cashless move by the government and now I see even an autowala collect payment using Paytm. Collecting payment using PayTM is very easy. You just need to sign up and you will get a QR code. That QR code can be scanned to make a payment or the customer can simply enter your mobile number to make the payment.


  • Widely accepted
  • The option of paying using a mobile number
  • Instant transfer to the bank


  • NFC is not supported
  • Failed transactions


PayUmoney is one of the leading payment methods to collect money online either using a payment link or integrating it into your website. The service changes are very low and it offers an instant transfer of money to your bank account. There is no annual fee also in PayUmoney


  • Good for collecting money from using the payment link
  • Can be used in an eCommerce store
  • Instant transfer to the bank


  • Tricky activation process
  • Poor customer support


Instamojo is the same as PayUmoney where you can collect payment using a link or you can add it to your website. Comparatively, it cuts less service charge but the only problem with Instamojo is the support. My personal experience is very bad with Instamojo as I use it in one of my eCommerce sites. Overall it is good but if something gets stuck it’s a pain to get a solution.


  • Good for beginners to collect payments
  • Low service charge


  • Poor support
  • Ugly dashboard interface.

Wrapping Up!

These are the 10 best payment methods for bloggers and freelancers. In fact, there are many other payment methods available. But those are not as popular as their payment gateways.

That’s all I have in this article to discuss the 10 best payment methods for bloggers and freelancers. Hopefully, you got some useful information in this article. If you have any questions, then do write in the comment section and I will be happy to answer you.



Rajib is the Co-Founder and the Lead Product Analyst of RiansTech. A BTech in Mechanical Engineering and a veteran in the Home Appliance industry with over 17 years of experience in designing appliances for industry leaders like GE and Whirlpool. He also runs a successful niche blog (RiansClub) on Mechanical Engineering

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