Alternatives to Fastlane by PayPal include Bolt, Shop Pay, Stripe Link and Amazon Pay. For enterprise teams, a key difference is the processor: Fastlane requires card processing with PayPal, Shop Pay runs on Shopify Payments, Link runs on Stripe, and Amazon Pay processes its own payments. Bolt works with your existing processor or Bolt Payments.
What Fastlane requires
Fastlane recognizes guest shoppers by email and fills in saved details after a one-time code. PayPal's integration guide, updated October 14, 2026, lists four requirements [F3]:
- Card payments processed with PayPal.
- PayPal's Orders v2 API, so merchants on legacy PayPal APIs upgrade first.
- PayPal offered as a payment option alongside the Fastlane email field.
- A billing address collected during checkout.
For merchants already on PayPal's enterprise processing, PayPal says those on Enterprise Payments or Expanded Checkout "keep their back-end integration and only make small front-end updates" [F1]. PayPal reports that Fastlane shoppers convert around 37% higher than other guest shoppers, based on its internal data from April to June 2025 [F1]. The Fastlane Terms say additional charges for Fastlane may apply on custom pricing, and that PayPal and the merchant are each independent data controllers for Fastlane customer data [F2].
What to compare in an alternative
- Processor dependency. Which processor does each option require, and does it fit your current contracts?
- Orders and data. Who creates the order, and who controls the shopper's saved details?
- The email field. Email-based recognition layers compete for the same field, so most stores run one of them there.
- Fraud liability. Who pays when an approved order charges back as fraud?
- Platform route. Is there a maintained cartridge or plugin for your platform, or is it a custom build?
- Network reach. Each company reports its own network size. Measure recognition rates on your own traffic.
The alternatives
Bolt. A full checkout with a shopper account network. Bolt connects to 11 documented processors as a gateway, including Stripe, Adyen, Braintree, Authorize.net, CyberSource and Checkout.com, or Bolt Payments can be your payment facilitator. Bolt says Bolt account holders convert 50% better. Bolt provides cartridges and plugins for Salesforce Commerce Cloud, Adobe Commerce and BigCommerce. Its optional Fraud Protection add-on provides indemnification of qualifying approved transactions that charge back as fraud, under your Bolt agreement.
Shop Pay. Shopify's accelerated checkout. Off Shopify, it's added through the Shop Pay Wallet API. Shopify's docs say you create a new Shopify store for the integration, Shopify processes Shop Pay payments with Shopify Payments, and Shopify creates each order, which your system reconciles [W1][S3].
Stripe Link. Stripe's wallet. Link works with Stripe Checkout, Payment Links, Elements and Invoicing, so Link payments run on Stripe [L1].
Amazon Pay. A button that uses the shipping and payment details in the shopper's Amazon account. Amazon Pay lists integrations with Shopify, Adobe Commerce, WooCommerce and BigCommerce, among others, and charges its own processing and authorization fees and disburses funds itself [A1][A2].
Comparison table
Competitor cells cite a source ID. Sources and read dates are listed after the table. Network sizes are as reported by each company.
| Bolt | Fastlane by PayPal | Shop Pay | Stripe Link | Amazon Pay | |
|---|---|---|---|---|---|
| Processor requirement | None. Bolt Payments, or keep one of 11 documented processors | Card processing with PayPal, on Orders v2 [F3] | Shopify Payments [S3][W1] | Stripe [L1] | Amazon Pay charges its own processing fees and disburses funds [A1][A2] |
| Enterprise platforms | Salesforce Commerce Cloud, Adobe Commerce, BigCommerce, SAP Commerce Cloud, direct API. Setup guides | Adobe Commerce, BigCommerce, Salesforce Commerce Cloud "and others" (PayPal's August 2024 launch list), or direct integration [F5]. PayPal's developer docs now list availability by country [F3] | Any platform, through a Shop Pay Wallet API integration [S3][W1] | Stripe Checkout, Payment Links, Elements and Invoicing [L1] | Shopify, Adobe Commerce, WooCommerce, BigCommerce and others [A1] |
| Shopper network | Bolt accounts shared across Bolt merchants: 80M+ US shoppers in the Bolt one-click network | More than 171M eligible US accounts (PayPal internal data, Oct 2024) [F1] | "Over 250 million customers" [S3] | "Over 300 million consumers worldwide" [L4] | Over 300 million active customer accounts worldwide [A1] |
| Fraud and chargebacks | Optional Fraud Protection: risk scoring, manual review, and indemnification of qualifying approved transactions that charge back as fraud, under your Bolt agreement | 3D Secure supported [F6]. Chargeback Protection tools priced at 0.40% or 0.60% per transaction on Advanced Credit and Debit Card Payments [F7] | Shopify Protect for eligible orders on US Shopify Payments accounts [S5] | Radar fraud screening included [L3]. $15 fee per dispute [L2] | Fraud protection and charge-back controls at no extra cost. $20 fee for disputes not covered by its Payment Protection Policy [A1][A2] |
| Pricing model | Bolt Payments: 2.5% + $0.30. Network fee: 1.35%, only when a shopper with an existing Bolt account signs in. Gateway mode is contract-based. See pricing | Your PayPal card rate. Additional Fastlane charges may apply on custom pricing [F2][F7] | Shopify Payments rates [S1] | 2.9% + 30¢ for domestic cards. No separate Link fee listed [L2][L4] | 2.9% domestic processing fee plus a $0.30 authorization fee, in Amazon's web and mobile example [A2] |
| Shopper data | Your store keeps cart, pricing and order records. Shopper profiles live in the shopper's Bolt account, and Bolt shares the details needed to complete each order with your store | PayPal and the merchant are each independent data controllers [F2] | Off Shopify, Shopify creates the Shop Pay order, which you reconcile [W1] | Link account, managed at link.com [L1] | Amazon account [A1] |
Sources:
- [F1] https://www.paypal.com/us/enterprise/payment-processing/guest-checkout (read 2026-10-31)
- [F2] Fastlane by PayPal Terms, last updated February 13, 2025 (read 2026-10-28)
- [F3] https://developer.paypal.com/docs/multiparty/checkout/fastlane/integrate/ (updated October 14, 2026; read 2026-10-31)
- [F5] PayPal press release, August 6, 2024
- [F6] https://developer.paypal.com/platforms/checkout/fastlane/3d-secure (read 2026-10-28)
- [F7] https://www.paypal.com/us/business/paypal-business-fees (read 2026-10-28)
- [W1] https://shopify.dev/docs/api/commerce-components/pay (read 2026-10-31)
- [S1] https://help.shopify.com/en/manual/payments/shop-pay (read 2026-10-29)
- [S3] https://help.shopify.com/en/manual/payments/shop-pay/shop-pay-on-any-platform (read 2026-10-31)
- [S4] https://help.shopify.com/en/manual/payments/shop-pay/shopify-protect (read 2026-10-29)
- [S5] https://help.shopify.com/en/manual/payments/shop-pay/shopify-protect/considerations (read 2026-11-01)
- [L1] https://docs.stripe.com/payments/link (read 2026-10-30)
- [L2] https://stripe.com/pricing (read 2026-10-30)
- [L3] https://stripe.com/radar/pricing (read 2026-10-30)
- [L4] https://stripe.com/payments/link (read 2026-10-30)
- [A1] https://pay.amazon.com/business (read 2026-10-31)
- [A2] https://pay.amazon.com/help/201212280 (read 2026-10-31)
Bolt sources (read 2026-10-31): boltapp.com /pricing, /fraud and /salesforce; help.boltapp.com /platforms/, /integrations/payment-processors/ and /products/add-ons/fraud-protection/.
Running Bolt alongside other options
Bolt runs as the embedded one-click checkout on the email field. Bolt doesn't support running Fastlane or Stripe Link on the same storefront. Shop Pay can stay as a separate express button. When you replace Fastlane with Bolt, PayPal can stay as a payment method in Bolt checkout, and a Braintree relationship can stay in place as your Bolt gateway. Measure conversion for new and returning shoppers separately during the switch, since each company's conversion figures are self-reported.
FAQ
What's the best alternative to PayPal Fastlane for an enterprise store?
It depends mostly on your processor. Fastlane requires card processing with PayPal. Shop Pay runs on Shopify Payments, Stripe Link on Stripe, and Amazon Pay processes its own payments. Bolt works with 11 documented processors or Bolt Payments, so it fits stores that want to keep their current processing.
Can I replace Fastlane without leaving PayPal?
Yes. With Bolt, PayPal can stay as a payment method in checkout, and a Braintree relationship can stay in place as your Bolt gateway, on any platform Bolt supports.
Does Fastlane cost extra?
Fastlane payments are charged at your PayPal card processing rate. The Fastlane Terms say additional charges for Fastlane may apply if you have custom pricing.
Can I run Fastlane and Bolt on the same storefront?
No. Bolt and Fastlane both recognize shoppers from the email entered at checkout, and Bolt doesn't support running both on the same storefront.
Which Fastlane alternatives work on Salesforce Commerce Cloud and Adobe Commerce?
Bolt provides a Salesforce Commerce Cloud cartridge and an Adobe Commerce integration. Amazon Pay lists Adobe Commerce among its platform integrations. Shop Pay can be added to either platform through a custom Shop Pay Wallet API integration. Stripe Link runs on Stripe's own payment surfaces.
Who controls shopper data with Fastlane?
The Fastlane Terms say PayPal and the merchant are each independent data controllers for Fastlane customer data. With Bolt, your store keeps cart, pricing and order records, and Bolt shares the shopper details needed to complete each order.
Going deeper? Bolt vs PayPal Fastlane, Bolt vs Stripe Link, Bolt vs Shop Pay and Shop Pay alternative for Salesforce Commerce Cloud each compare one option in detail. PayPal alternatives and Stripe alternatives compare the companies as processors.
Talk to Bolt
If you're replacing or evaluating Fastlane on Salesforce Commerce Cloud, Adobe Commerce, BigCommerce or a custom stack, we can walk through how Bolt would run on your processor and platform, and how to test it against your current checkout. Contact sales.
PayPal and Fastlane are trademarks of PayPal, Inc. Shop Pay is a trademark of Shopify Inc. Stripe and Link are trademarks of Stripe, Inc. Amazon Pay is a trademark of Amazon.com, Inc. Bolt is not affiliated with or endorsed by these companies.