# Online Payment Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about Online Payment Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more.

Source: https://www.capterra.com/p/129952/Online-Payment-Software

---

# 

 Online Payment Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

Independent research methodology

Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/)

How Capterra verifies reviews

Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/)

How Capterra ensures transparency

Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider’s website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[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/)

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

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)

## 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 (3,310)](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 (26,282)

Value For Money

5.0 (7)

Value For Money

4.4 (20,142)

Customer Service

4.9 (29)

Customer Service

4.2 (20,399)

## Online Payment Software alternatives

[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

[4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

Starting price

$30.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

92%

of reviewers

rated it above 4 stars

Highest Rated

[4.9 (247)](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

[PayPal](https://www.capterra.com/p/207944/PayPal/)

[4.6 (26,304)](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/)

[View all alternatives](https://www.capterra.com/p/129952/Online-Payment-Software/alternatives/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

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

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)

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

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

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

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

Online Payment Software 9 features

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Create, manage, and send invoices or bills to customers

Accept and process credit/debit card transactions

Digitally sign online documents

Transactions that typically involve face-to-face interactions between the payer and the payee

Clients can submit payments via mobile devices

Accept and process online payment transactions

Automated process of charging customers at regular intervals for repeated access or use of a product or service

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/)

[Heartland Payroll+](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/)

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-) 

Independent research methodology

Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology.

[Learn more](https://www.capterra.com/resources/proprietary-data-research/)

How Capterra verifies reviews

Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI.

[Learn more](https://www.capterra.com/resources/how-we-verify-reviews/)

How Capterra ensures transparency

Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website.

[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)