PAYPAL
You can make account free
You can transfer your money to bank account.
You can use paypal for online shopping.
You can transfer money from paypal to creadit card.
PAYPAL IS SAFE AND SECURE.

ALERTPAY

Account is free (I suggest to use gmail account for both paypal and alertpay)
You can transfer your money to credit card or bank account.
You can use alertpay in online shopping e.g i used it at cjs cdkey store.
You can earn money from PTC sites or from other site and then you can transfer your money to alertpay and also to paypal but mostly alertpay.
You can earn money from alertpay by affiliated programs
OR by reffering members to their site.
Alertpay is new as compared to paypal and it is secure.

THANKS