--- title: "Online Payment Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Online Payment Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/129952/Online-Payment-Software/" page_type: "product" language: "en" --- # Online Payment Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 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) Online Payment Software ## What is Online Payment Software? Our mission is to create secure, dependable and user friendly payment processing solutions that are customized to each individuals client's needs. ## What is Online Payment Software used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 30 user reviews Reviews sentiment Positive 100% Neutral 0% Negative 0% Starting price $19.95 Per User, Per Month Free trial not available Free version not included Capterra Shortlist charts the highest-rated and most popular products... 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 Online Payment Software?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://instantpayments.com&name=Online Payment Software) ## Online Payment Software Overview Updated August 2026 AI summary Online Payment Software enables small businesses to accept digital and in-person payments, manage billing, and process recurring or subscription charges through cloud-based tools. It supports ACH, debit/credit card, and mobile transactions, offers reporting and analytics, and features electronic signature for payment workflows, making it suitable for businesses seeking flexible payment processing and billing management solutions. ## 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. ### Online Payment Software 4.8 (30) VS. [4.6 (3,374)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price $19.95 Per User, Per Month Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (29) Ease Of Use 4.5 (26,596) Value For Money 5.0 (7) Value For Money 4.3 (20,438) Customer Service 4.9 (29) Customer Service 4.2 (20,695) ## Online Payment Software alternatives [4.8 (527)](https://www.capterra.com/p/163474/WeTravel/reviews/) Starting price $79.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 97% of reviewers rated it above 4 stars [4.7 (3,651)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting price $23.99 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars Highest Rated [4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 99% of reviewers rated it above 4 stars [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/129952/Online-Payment-Software/alternatives/) ## FAQs about Online Payment Software Overview ### Which roles and teams benefit most from Online Payment Software? Online Payment Software is most used by business owners, finance and treasury teams, office administrators, and customer-facing managers. These roles rely on it to collect payments securely, reconcile transactions, manage billing records, support constituent or customer service, and streamline day-to-day cash flow, reporting, and administrative workflows. Answer based on 28 reviews Overview ### What company size and specific industries is Online Payment Software built for? Online Payment Software is designed for businesses of all sizes, including small, mid-market, and enterprise organizations. It suits companies that need to accept recurring payments, set up custom web pages for event registrations, and track transaction history, especially those handling subscription billing or event-related payment processing. Features and Usability ### What are the key features of Online Payment Software? Online Payment Software offers ACH Payment Processing, Debit/Credit Card Processing, and Online Payments for accepting digital transactions. It also includes Billing & Invoicing, Recurring/Subscription Billing, and Electronic Signature for payment collection workflows, plus In-Person Payments, Mobile Payments, Point of Sale (POS), and Reporting/Analytics. Getting Started and Support ### What training and onboarding options does Online Payment Software offer? Online Payment Software provides webinars as its training option. Webinars support live or recorded instruction for learning product features, reviewing setup steps, and following guided demonstrations. This format gives teams a structured way to get started and reference core processes during onboarding. ## Features AI summary Based on 17,379 Payment Processing reviews Capterra reviewers highlight these as the features buyers value most when choosing payment processing software: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Online Payment Software includes **Online Payments** and **Debit/Credit Card Processing**, giving businesses the tools to accept digital transactions and process card payments across sales channels. However, it does not include **Data Security**. Instead, it offers other important capabilities that reviewers also value, including **Mobile Payments** (**49%**) and **Billing & Invoicing** (**45%**), helping businesses collect payments in more ways and manage customer charges more efficiently. These features provide teams with flexible payment options and clearer billing workflows. Online Payments 4.8 (6) 33.33% of 6 reviewers that rated this feature as important or highly important Accept and process online payment transactions Debit/Credit Card Processing 4.8 (4) 25.00% of 4 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Mobile Payments 4.8 (4) 25.00% of 4 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Billing & Invoicing 5.0 (4) 25.00% of 4 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers ACH Payment Processing 5.0 (4) 0.00% of 4 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) In-Person Payments 4.8 (4) 25.00% of 4 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee Online Payment Software 9 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Signature: Digitally sign online documents - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Payments: Clients can submit payments via mobile devices - Online Payments: Accept and process online payment transactions - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data --- Get Advice We can help you find the software with the features you need. Features 5.0 (7) 5.0 Based on 7 reviews ## Pricing Value for money 5.0 (7) Basic $19.95 Per User,Per Month Value for money 5.0 (7) 5.0 Based on 7 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 4.9 (29) 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 4.9 (29) 4.9 Based on 29 reviews ## User reviews Overall rating 4.8 Based on 30 reviews Filter by rating 5(24) 4(6) 3(0) 2(0) 1(0) Mentioned topic Sorted by most recent AD Annah D. Sales Manager Transportation/Trucking/Railroad ### "Affirmative Payment Processing Approach " 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 9/10 May 9, 2024 Pros Online Payment Software has the debit card processing option, and there is security assistance. Cons Online Payment Software has managed to remain useful and relevant. Switched from [PaymentCloud](https://www.capterra.com/p/191870/Payment-Cloud/) [Recharge](https://www.capterra.com/p/206617/ReCharge-Payments/) [Deluxe Payment Exchange](https://www.capterra.com/p/166710/Deluxe-eChecks/) [Payment Evolution](https://www.capterra.com/p/151517/PaymentEvolution-Payroll/) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. NL Nickis L. Marketing Director Leisure, Travel & Tourism ### "Inclusive and Defined Approach for Payment Processing " 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 9/10 May 6, 2024 Pros The immediate form of payment is something the program has effortlessly controlled, and no transaction verification problem. Cons Marketing Director is influential and helpful, with no hate. Switched from [Payment Depot](https://www.capterra.com/p/144865/Payment-Depot/) [Genius](https://www.capterra.com/p/195074/Genius/) [Auris](https://www.capterra.com/p/195073/Heartland-Payroll-HR/) [Oracle Textura Payment Management](https://www.capterra.com/p/181520/Oracle-Textura-Payment-management/) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RM Roberto M. Marketing Director Food & Beverages ### "It Never Disappoints, A Great Innovation " 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 29, 2024 It was a game changer in terms of payment processing, no delays, no interruptions, used a very short time to complete every payment and all payment details are all available. Pros The Payment Processing feature exceeded our expectations by completing the payments within a very short time and without any delays or interruptions. Cons I haven't found any issues with Online Payment Software since our firm started using it. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) [Venmo](https://www.capterra.com/p/222572/Venmo-/) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FG Francesca G. ICT Director Information Technology and Services ### "Very Secure and Convenient" 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 April 29, 2024 We received great service while setting up the website and the customer support was very ready to respond to all our queries. All our payment processing have become easy courtesy of Online Payment Software. Pros It has made all our payment processing very fast and effective, we haven't had any delays or other issues ever since we started using Online Payment Software Cons So far so good, am yet to find any issue with this tool Switched from [Mercado Pago](https://www.capterra.com/p/250909/Mercado-Pago/) [Stripe](https://www.capterra.com/p/123889/Stripe/) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FP Fabio P. Gerente Transportation/Trucking/Railroad ### "Perfecto para recibir pagos online" 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 February 25, 2024 Lo recomiendo, funciona bastante bien en nuestra pequeña empresa. Pros Rápido, seguro y nos dieron un descuento al adquirirlo. Cons Por el momento no tengo algo negativo que opinar. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. LN Lori N. Office Manager Real Estate ### "Easy to process payments" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 November 3, 2023 Pros It easily integrates with our company software Cons Would like invoices and receipts to be a little more customizable Switched from [QuickBooks Money](https://www.capterra.com/p/170065/QuickBooks-Money/) Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DP Desiree P. Owner Education Management ### "My go to with Government payments" 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 November 5, 2018 I have used this to pay many bills and tickets online over many states and it is great. Pros I like how easy it is to make payments online to government offices. It puts me at ease that I don't have to give my personal info to every government system. Cons I haven't found anything that I dislike about this software. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JR jamie R. warehouse/rover ### "jamie reeves" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 0.0 0.0 Customer Service 5.0 5.0 Likelihood to Recommend 0/10 March 27, 2014 so far its been a pretty easy and reliable program! Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. LP Lana P. Clerk ### "Secure Instant Payments Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 0.0 0.0 Customer Service 5.0 5.0 Likelihood to Recommend 0/10 March 25, 2014 The customer service is great, couldn't be better. Payments made one day do not appear on our administrative site until the next day or later. I would like to see payments made appear immediately to us. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JS Jon S. Manager ### "Great" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 0.0 0.0 Customer Service 5.0 5.0 Likelihood to Recommend 0/10 March 25, 2014 I have been with instant payments for a long time. They have been great to work with. When we have a question they are available to answer it. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/129952/Online-Payment-Software/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. Popular comparisons [PayPal vs Online Payment Software](https://www.capterra.com/compare/129952-207944/Online-Payment-Software-vs-PayPal) [Venmo vs Online Payment Software](https://www.capterra.com/compare/129952-222572/Online-Payment-Software-vs-Venmo-)