--- title: "Top Choice Payments Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Top Choice Payments Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/144589/Top-Choice-Payments/" page_type: "product" language: "en" --- # Top Choice Payments Software Review 2026: Features, Reviews, Integrations, Pros & Cons Last updated on September 10, 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) Top Choice Payments ## What is Top Choice Payments? Top Choice Payments offers innovative solutions to make electronic payments simpler, faster, safer and more rewarding. We offer an array of POS retail solutions or standalone credit card terminal with the latest EMV/NFC and Apple Pay technology. Get your money faster with next day funding, even AMEX! No more waiting for your funds to be deposited to your account. No more different rates for each card you will receive the same low rates for every card even AMEX. ## What is Top Choice Payments used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 2 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price $15 Per User, Per Month Free trial not available Includes Free Version 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... ## 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. ### Top Choice Payments 5.0 (2) VS. [4.7 (3,658)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting Price $15 Per User, Per Month Starting Price $23.99 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.5 (2) Ease Of Use 4.6 (26,641) Value For Money 5.0 (1) Value For Money 4.6 (20,480) Customer Service 5.0 (2) Customer Service 4.6 (20,738) ## Top Choice Payments alternatives [3.8 (728)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Starting price $349.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 68% 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/) ## FAQs about Top Choice Payments Overview ### What company size and specific industries is Top Choice Payments built for? Top Choice Payments is designed for businesses of any size that take payments, including small businesses, mid-market companies, and larger organizations. It also fits high-risk businesses across a range of industries that need payment processing support. Features and Usability ### What are the key features of Top Choice Payments? Top Choice Payments offers ACH payment processing, debit/credit card processing, and online payments for transaction handling. It also includes point of sale (POS), restaurant POS, eCommerce management, recurring/subscription billing, and reporting/analytics, plus customer accounts, inventory management, gift card management, returns management, and electronic signature. Getting Started and Support ### What training and onboarding options does Top Choice Payments offer? Top Choice Payments provides live online sessions, webinars, and documentation to help teams get started. Live online sessions support guided setup, webinars offer scheduled instruction for groups, and documentation gives written reference material for self-paced review and feature lookup. Getting Started and Support ### What customer support options does Top Choice Payments offer? Top Choice Payments provides 24/7 live rep support and chat for customer assistance. No reviewer feedback about support is available here, so user experience details such as response speed or helpfulness cannot be assessed from the catalog data. ## 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%**) Top Choice Payments supports **Online Payments**, which helps businesses accept digital transactions and serve customers across more sales channels. However, it does not include **Data Security** or **Mobile Access**. Instead, it offers **Debit/Credit Card Processing** (**52%**), a feature that still matters to many buyers and supports reliable card-based transactions at checkout, helping businesses process payments efficiently and giving teams a practical way to handle everyday payment operations. ACH Payment Processing Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Barcode/Ticket Scanning Scan barcodes to ensure accurate pricing and label tracking Debit/Credit Card Processing Accept and process credit/debit card transactions Discount Management Track products that are for sale at a reduced price or part of coupon promotions Electronic Signature Digitally sign online documents Gift Card Management Reward loyal customers with gift cards which they can redeem for special offers and loyalty bonus Top Choice Payments 11 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Barcode/Ticket Scanning: Scan barcodes to ensure accurate pricing and label tracking - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Discount Management: Track products that are for sale at a reduced price or part of coupon promotions - Electronic Signature: Digitally sign online documents - Gift Card Management: Reward loyal customers with gift cards which they can redeem for special offers and loyalty bonus - Loyalty Program: Offer prizes, discounts, and other incentives for customers to earn reward points on purchases and redeem them for future purchases - 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 - Returns Management: Track and facilitate returns of products sold --- Get Advice We can help you find the software with the features you need. Features 5.0 (1) 5.0 Based on 1 reviews ## Pricing Value for money 5.0 (1) Free Version Basic $15.00 Per User,Per Month Value for money 5.0 (1) 5.0 Based on 1 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 5.0 (2) 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 5.0 (2) 5.0 Based on 2 reviews ## User reviews Overall rating 5.0 Based on 2 reviews Filter by rating 5(2) 4(0) 3(0) 2(0) 1(0) Mentioned topic Sorted by most recent TB Thomas B. Consultant Professional Training & Coaching ### "Free equipment no lease or contract!" 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 July 31, 2018 The cash discount program allowed me to keep more money in my business. Pros I am a newer business and didn't want to get stuck in an equipment lease, I was able to get a terminal for free and no contract. I was also put on a price plan that allowed me to offer a discount if people paid cash for me services but if they used credit card it would charge a non cash price so I really don't have any processing fees. Cons The batch statement took some time for me to get used to. It looks different than what I am used to. 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. TB Thomas B. Owner ### "AMEX Same Price as other cards" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 0.0 0.0 Customer Service 5.0 5.0 Likelihood to Recommend 0/10 August 5, 2015 Real fast set up, and my American Express rates are the same as Visa, Mastercard, and Discover. True next day funding means my money is in my account the next morning. Great service and free credit card terminal! 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. Response from Vendor August 6, 2015 Thank you for the kind words, I wish you the very best with your music. ## 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.