--- title: "Caxton Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Caxton Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/10011903/Caxton/" page_type: "product" language: "en" --- # Caxton Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 17, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Caxton ## What is Caxton? Caxton puts your team in control of the entire finance operation. Free your team from multiple logins, passwords and manual reconciliation with our multi-point payment solution. Send cross-border payments to 196 countries in 750 currency pairs, receive and hold in 30 currencies. Reduce fees from banking with the best GBP and international payment rates available. Hold onto cash for longer with our Faster Payment solution. Seamless API integration embeds payment functionality into your business. ## What is Caxton used for? [Currency Exchange](https://www.capterra.com/currency-exchange-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/)[Expense Report](https://www.capterra.com/expense-report-software/) Recognitions Shortlist Top alternative Featured Overall rating Based on 21 user reviews Reviews sentiment Positive 90% Neutral 10% Negative 0% ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... - Payment Processing / 2026 Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Caxton?[Manage this product listing](https://www.g2.com/products/caxton-business-expense-management/claim_requests/new?auto=true) ## Caxton Overview Updated September 2026 AI summary Caxton offers cloud-based payment processing and spend management for businesses of all sizes, integrating accounts payable, receivable, procurement, and currency exchange functions. Its core features include ACH and online payments, billing, invoicing, and transaction monitoring, with added options such as multi-currency support, APIs, and expense tracking. Caxton aims to enhance payment security, reconciliation, and financial reporting. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Caxton 4.6 (21) VS. [4.3 (245)](https://www.capterra.com/p/225025/Plooto/reviews/) Starting Price Contact vendor Starting Price $32 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.4 (21) Ease Of Use 4.5 (26,641) Value For Money 4.8 (17) Value For Money 4.2 (20,480) Customer Service 4.5 (21) Customer Service 4.0 (20,738) ## Caxton alternatives [4.2 (2,073)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/123889/Stripe/) [View all alternatives](https://www.capterra.com/p/10011903/Caxton/alternatives/) ## FAQs about Caxton Overview ### Which roles and teams benefit most from Caxton? Caxton is most used by finance teams, business leaders, and operations managers who need tighter control over payments, expenses, and account administration. Finance managers and controllers use it for budgeting and transaction oversight, while directors, founders, and executives rely on it for cash visibility, spending governance, and smoother day-to-day financial operations. Answer based on 21 reviews Overview ### What company size and industries is Caxton built for? Caxton is built primarily for small businesses, which account for 90% of reviewers, with Education Management leading industry use at 10%. It also serves Enterprise and Midsize Business users at 5% each, with additional adoption in Accounting and Apparel & Fashion, both representing 5% of reviewers. Answer based on 21 reviews Features and Usability ### What are the key features of Caxton? Caxton offers payment processing features such as ACH payment processing, electronic payments, online payments, mobile payments, recurring payments, and multiple payment options. It also includes spend and expense management tools like expense tracking, reimbursement management, spend control, procurement management, and supplier management, plus reporting/analytics, bank reconciliation, and audit trail. Getting Started and Support ### What training and onboarding options does Caxton offer? Caxton provides in person training, live online sessions, and documentation for teams getting started. In person training supports direct instruction, live online sessions allow guided setup remotely, and documentation offers written reference material for self-paced review and feature lookup. Getting Started and Support ### What customer support options does Caxton offer? Caxton provides email/help desk, a knowledge base, and phone support. Users say support is helpful overall, but some report slow email replies, repeated follow-ups, and limited service hours that can be frustrating across time zones. Answer based on 4 reviews ## Features AI summary Based on 17,640 Payment Processing reviews Capterra reviewers highlight these as the features buyers care about most when choosing payment processing software: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) Caxton supports **Data Security** and **Online Payments**, covering two of the top priorities for payment processing buyers. However, it does not include **Mobile Access**. Instead, it offers **Mobile Payments** (**49%**) and **Payment Fraud Prevention** (**56%**), which still address key payment needs. These features help businesses process transactions securely, reduce fraud risk, and give teams more flexibility in how they accept and manage payments. Data Security 5.0 (2) 100.00% of 2 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 4.3 (3) 33.33% of 3 reviewers that rated this feature as important or highly important Accept and process online payment transactions Payment Fraud Prevention 5.0 (2) 150.00% of 2 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Electronic Payments 4.9 (8) 87.50% of 8 reviewers that rated this feature as important or highly important Electronically collect payments for goods or services Multi-Currency 5.0 (7) 128.57% of 7 reviewers that rated this feature as important or highly important Manage and handle various international currencies Bank Reconciliation 4.5 (4) 100.00% of 4 reviewers that rated this feature as important or highly important Compare and match accounting/financial records with corresponding bank statements Caxton 36 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Accounting Integration: Integrate with a third-party accounting system - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - API: Application programming interface that allows for integration with other systems/databases - Approval Process Control: Manage the process of evaluating documents or requests submitted for approval - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Bank Reconciliation: Compare and match accounting/financial records with corresponding bank statements - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Cash Management: Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Data Security: Protect sensitive data for digital privacy - Electronic Payments: Electronically collect payments for goods or services - ERP integration: Integrate with existing ERP systems - Expense Claims: Attaching relevant receipts or supporting documents to submit expenses for reimbursement - Expense Tracking: Monitor and record expenses such as purchases or charges incurred - Financial Management: Plan, manage, and track the financial activities of an individual or organization - For Financial Institutions: Financial services institutions such as traditional banks, hedge funds, investment banks, and insurance agencies. - Mobile Payments: Clients can submit payments via mobile devices - Multi-Currency: Manage and handle various international currencies - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: Accept and process online payment transactions - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Reconciliation: Reconcile payments with corresponding invoices or orders for accounting purposes - Prepaid Cards: Bank cards with approved funds pre-loaded that employees can use for corporate purchases - Procurement Management: Organize and manage all processes/procedures involved in purchasing goods and/or services - Receipt Management: Upload, track, and submit receipts in a central database - Recurring Payments: Automatic and regular transactions made through a secure online platform at predetermined intervals (monthly, quarterly, etc.) - Reimbursement Management: Manage compensation for out-of-pocket expenses incurred by an employee, client or another party - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Spend Analysis: Review and uncover trends in spending activity - Spend Control: Set allowances and ensure employees don't spend more than the allotted amounts - Spend Management: Track the amount of money spent on a certain product or with a certain supplier - Supplier Management: Manage all supplier data and operations - Time & Expense Tracking: Log and record hours worked and costs spent to assist in billing and invoicing - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities - Workflow Management: Create, design and manage workflows for repetitive tasks --- Get Advice We can help you find the software with the features you need. Features 4.5 (21) 4.5 Based on 21 reviews ## Pricing Value for money 4.8 (17) ### Starting price Free trial not available Value for money 4.8 (17) 4.8 Based on 17 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.5 (21) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.5 (21) 4.5 Based on 21 reviews ## User reviews Overall rating 4.6 Based on 21 reviews Filter by rating 5(15) 4(4) 3(2) 2(0) 1(0) Mentioned topic Sorted by most recent AN Anonymous User Digital Marketing Manager Accounting ### "Convenient and Reliable Travel Card with Minor Drawbacks" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 September 30, 2024 My overall experience with Caxton has been mostly positive. The multi-currency functionality is incredibly convenient, and the competitive exchange rates make it a go-to for travel. The app is easy to navigate, and the card is widely accepted worldwide. However, the ATM fees and inactivity charges can be frustrating, and I wish the customer service hours were more flexible. Despite these minor issues, Caxton remains a reliable and secure option for managing money while traveling. Pros What I like most about Caxton is the convenience of managing multiple currencies with ease. The competitive exchange rates are a big plus, and the app is simple to use. I’ve had no issues using the card globally, and the security features give me peace of mind. Their customer service has been great too—always quick and helpful! Cons One thing I like least about Caxton is the ATM withdrawal fees, which can add up when traveling. Also, the inactivity fees are a bit frustrating if you don’t use the card frequently. I’ve found the customer service hours a bit restrictive, especially when in different time zones. Additionally, it would be nice if you could lock in better exchange rates at certain times, and the limits on currency loading can be a drawback for larger transactions. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor October 8, 2024 Thank you so much for your review of our retail card. Caxton absolutely charge no fees for using ATMs - this fee is taken by the ATM that you are using - and yes we agree its rarer and rarer to find those free ATMs. That's why we offer next day delivery of holiday cash before you go, which you can order from the app. You can also lock in exchange rates with a forward contract on international payments or with a travel savings plan. Thanks again for your feedback and best wishes for you trip! NC Nic C. Journalist Information Services ### "Excellent ease of access and good value" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 June 25, 2024 Pros I returned to Caxton after a break of several years, as I was going on holiday abroad for the first time in a while. Previously, I had also regularly used Caxton to settle my large Euro invoices but the impact of Brexit has curtailed my purchases in the EU. My account was still open and a previous sterling sum was still waiting for me. I was able to use my pre-loaded card easily and without problem while travelling abroad and welcomed the opportunity of a great deal. Cons There was nothing I disliked about the Xaxton service Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. RS Rashmi S. Financial Controller Architecture & Planning ### "Currency exchange " 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 June 20, 2024 Pros Ease of discussion to sell currency and make payments Cons not purchased or implemented any software Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. DC Doron C. Vice president transformation Food & Beverages ### "Strong financial advisor in foreign exchange " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 7/10 June 12, 2024 Pros Proactive information provider, regular updates Cons Information is sometimes too superficial and not covering wider market data Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. MK Muhammed K. Director Individual & Family Services ### "Very good service " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 June 11, 2024 Excellent and have been using Caxton for over 4 years and hardly any problems so far. Pros We are able to use cards for our clients and keep a record of the spending. Cons Customer service should be 24 hours with a service like this. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. FC Faye C. Director Retail ### "Easy to use and inexpensive" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 11, 2024 Very happy with my overall experience, had superb help from customer service if ever needed Pros This was recommended to me by another small business owner and is a far better way than using my bank to make international payments and purchase currency. Cons Nothing I do not like about the service Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor June 17, 2024 Fantastic to hear you were recommended and are enjoying the platform KW Keith W. President Construction ### "Excellent Company with Excellent Customer Service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 11, 2024 Nothing short of Excellent..... Severe difficulties withe App on my phone which eventually we will over come. Pros the Customer service provided by \[sensitive content hidden\]. Cons This is not just a criticism of Caxton, its of ALL U.K. Banks. Compliance has gone WAY TO FAR and OVER BOARD. British Banks are killing Trade and Business and giving it all away to the USA, who are a lot more open minded and TRULY WANT Business.....Many years ago, \[sensitive content hidden\] stated the Britain was open for Business....In my opinion, that is the last thing this Country is open for these days..... Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor June 17, 2024 Great to hear we are offering the service we promise AN Anonymous User Operations Director Events Services ### "Easy Payments" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 June 11, 2024 Pros We like the fact we can use multiple currencies for payments which helps us to circumvent pesky transaction charges from the bank (in addition to the banks poor FX rate) Cons The customer service can be slightly slow / lacking at times. Often require to make multiple phone calls to get through, or emails need chasing multiple times. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor June 17, 2024 great to hear you enjoy using the platform - please feel welcome to identify the issues directly with your account manager so we can live up to our five star service promise with every customer WC Wendy C. Finance Manager Non-Profit Organization Management ### "multi currency cards" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 11, 2024 Very satisfy, I have used other system and providers before. Caxton meets our needs and I feel better customer services. The system is simple to install and apply. It has multiple currencies functions which meets the needs for our international teams. Pros Easy to use, good customer care. I get reply and response quickly from my contact. The system is simple to use and very effective. It saves time and many report options. I feel that this is a best system we have ever. Cons None. I just don't have time to explore other functions yet, but nothing to do with Caxton. I am planning to implement other options and have meetings with Caxton, they all seem good and will help us to improve our system. I just need time and gradually to try them on. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor June 17, 2024 fantastic to know you have experienced the Caxton five sta service AT Andrew T. Director Leisure, Travel & Tourism ### "Simple the best for our FX needs" 5.0 Overall Rating 5.0 5.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 June 11, 2024 Pros The personal touch, the ability to issue staff with debit cards with no monthly fee and the competitive rates achieved on larger currency forward purchases. I liek the expert knowledge and the friendly helpful answers from \[sensitive content hidden\] when I have a query about timing my currency purchases. The knowledge that he and his colleagues have can't be replicated on an app or a website. Cons The reporting side of things is poor. You really need to be able to generate reports that save time on bookkeeping and to do that a single report showing transactions in and out in date order for all cards and including all forward purchases (i.e. combine the transfers and cards sections and include all cards rather than having to pick one at a time) Switched from [Soldo](https://www.capterra.com/p/194308/Soldo/) Soldo introduced far higher fees and became greedy. As a seasonal business I don't want to pay every month in the off season just to keep an account alive. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor June 17, 2024 Great to hear you can contact our team when needed. We are pleased to say our new reporting features are imminently due to be released to the platform [View all Reviews](https://www.capterra.com/p/10011903/Caxton/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.