Any small business or individual creator selling online needs a way to make and take payments, as a basic requirement. As you might have guessed, there are a whole range of no-code tools that you can integrate into your business. We take a look at 6 excellent payment tools that you can set up, and get moving with, in no time at all.

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‍1. Buy Me A Coffee: For online creators

First up on our list of online payment tools is Buy Me A Coffee. Similar to Patreon, Buy Me A Coffee is a platform that connects creators directly to their fans. You provide something that your supporters want, and they subscribe to you for a monthly rate to support your creative process. 

Buy Me A Coffee is touted as a simpler alternative to Patreon with more of the eCommerce features you're looking for. They accept multiple forms of mobile payment, offer an instant payout, allow annual and monthly subscriptions, as well as the purchase of "extras", provide analytics, and take out a flat 5% fee. 

It only takes a few minutes to set up a Buy Me A Coffee page. Once you do, you have an instant and frictionless way for your supporters to keep your creativity funded. 

Who should use Buy Me A Coffee?

Buy Me A Coffee is best suited to creators. If you're a writer, musician, or video creator who publishes content on a routine basis, Buy Me A Coffee can help you stay in touch with your supporters without needing to rely on ad revenue or a bigger publisher. 

2. Stripe: For tech-savvy online sellers

If Buy Me A Coffee is the ideal payment option for individual creators, then Stripe is the ideal option for online retailers. Stripe is one of the online payment tools that offers an end-to-end experience. From the surface-level features like accepting payments to low-level features such as editing APIs and code. 

Stripe also has the benefit of being extremely popular and widely-used. Companies such as Google, Amazon, Lyft, and Slack all use Stripe to accept payments. This level of popularity means that Stripe is more or less guaranteed to work with any platform or currency you need. 

One thing to keep in mind with Stripe is that while it can be used in a no-code manner, many of its best features involve developing and modifying the service. So the more you know about coding and development, the more use you'll be able to get from the platform. 

Who should use Stripe?

If you already have a website, Stripe is probably for you. It's a payment gateway that you can tack onto your website without too much hassle. And if you like, you can get your hands dirty and tweak Stripe to your needs. 

3. PayPal: For freelancers, global online retailers, and everything in between

PayPal is our first suggestion that is its own payment platform. Though it is used to facilitate transactions, you can think of it more like a payment service than a POS system. For this reason, PayPal is best suited for those who are looking for an all-in-one online payment tool.

PayPal has several benefits. First, it accepts payments from all over the world, which makes it particularly important for sites with a global customer base. Even cryptocurrency is accepted on PayPal. 

Second, peer-to-peer transactions are the backbone of PayPal. So if you're a freelancer, PayPal offers an option that you don't have to integrate into your website. Clients can send money directly to your PayPal account from wherever you or they happen to be. 

Thirdly, it’s incredibly simple to use. You don't even need a bank account to accept PayPal payments, as they offer a debit card option. All you need is an email address and password. 

Who should use PayPal?

PayPal is a great option for just about everyone. It's the most generic payment option on this list, so if you have special requirements (such as subscription payment options) you might want to look elsewhere. Otherwise, PayPal is a well-rounded solution. 

4. TillyPay: For those who don't have a website

TillyPay is a unique item on our list of online payment tools. Rather than offering something that integrates with your webpage, it instead generates a link to a payment page on TillyPay for you. 

For example, if someone needs to pay you for an hour of work, you can set the amount they owe you in TillyPay. TillyPay will then provide you with a link to a checkout page for that amount. You then forward that link to the customer, which they can use to quickly checkout. 

The checkout pages TillyPay creates for you are easily customisable as well, so you can make them as professional and personal as you like. The service is free to start, though you'll need to pay a monthly fee to customise your checkout pages and get access to other features. 

Who should use TillyPay?

TillyPay is a great option for those who don't have a website and run a lean operation. Freelancers, artists, and other independent workers can use TillyPay as an alternative to invoicing. 

5. Chargebee: For B2B subscription-based services

Out of all of the options available on this list, Chargebee is probably the most niche and corporate-oriented. Unlike platforms like Stripe, Chargebee isn't a payment gateway. Instead, Chargebee is a service that allows B2B businesses to manage subscription-based payments.

This makes it the ideal solution for B2B SaaS companies. You can easily create a subscription model, integrate it with your payment gateways of choice (including PayPal and Stripe) and then add it to your website. 

Everything on Chargebee is automated, able to be scheduled, and professional. It includes features that make invoicing and taxes simpler and even allows you to offer free trials of your products. 

Who should use Chargebee?

Chargebee is completely tailored to B2B companies with a subscription model. So if that's you, then Chargebee will meet your needs perfectly. 

6. Payhere: For those who need a secure checkout page builder

Closing up our list of online payment tools is Payhere. Like TillyPay, Payhere is a link-based payment service. You create a page for charging customers, and Payhere hosts it as well as provides you with the tools to accept payments, create recurring subscriptions, and so on. 

Unlike TillyPay, however, the link you create with Payhere functions more like a website. You can direct all of your customers there rather than creating a one-time link for a specific customer. You can easily integrate this link into your existing website as well, providing you with a checkout page. 

Who should use Payhere?

Payhere is great for those who want to add a checkout page to their website or who can get away with a website that is just a checkout page. Unlike TillyPages, your checkout page will look the same to everyone who clicks on it, so it's better suited to subscription models or for those who sell a specific product with a fixed price. 

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