# 360 Payments Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about 360 Payments Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more.

Source: https://www.capterra.com/p/177326/360-Payments

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# 

 360 Payments 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.

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews)

360 Payments

## What is 360 Payments?

360 Payments is a payment processing system that streamlines financial transactions for businesses. The platform integrates with business management software to enhance operational efficiency. Its text-to-pay feature enables sending invoices directly to customers via text message, allowing for convenient smartphone payments. The system includes consumer financing capabilities that provide payment plan options based on credit profiles. Mobile payment functionality delivers reliable payment processing on the go with extended battery performance. Additional features include compliant surcharging options and business capital access through cash advances. The platform connects with leading business systems to improve workflow efficiency while maintaining transparency. 360 Payments delivers customer support to address payment processing issues promptly, operating as a partner that provides straightforward payment solutions.

## What is 360 Payments used for?

[Payment Processing](https://www.capterra.com/payment-processing-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/)[eCommerce](https://www.capterra.com/ecommerce-software/)

Overall rating

Based on 35 user reviews

Reviews sentiment

Positive

94%

Neutral

3%

Negative

3%

Contact vendor  
for pricing

Free trial  
not available

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Do you work for 360 Payments?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.360payments.com&name=360 Payments)

## 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.

### 360 Payments

4.7 (35)

VS.

[4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

Starting Price

Contact vendor

Starting Price

Contact vendor

Free Trial

Free Version

Pricing Options

Free Trial

Free Version

Ease Of Use

4.7 (35)

Ease Of Use

4.5 (26,258)

Value For Money

4.5 (31)

Value For Money

4.4 (20,120)

Customer Service

4.6 (31)

Customer Service

4.2 (20,377)

## 360 Payments alternatives

[4.0 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

Starting price

$99.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

75%

of reviewers

rated it above 4 stars

[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

Starting price

$99.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

88%

of reviewers

rated it above 4 stars

Highest Rated

[4.9 (82)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/)

Starting price

Contact vendor for pricing

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 (26,280)](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/177326/360-Payments/alternatives/)

## Features

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

Electronic Signature

4.5 (18)

94.44% of 18 reviewers that rated this feature as important or highly important

Digitally sign online documents

Data Security

4.4 (15)

100.00% of 15 reviewers that rated this feature as important or highly important

Protect sensitive data for digital privacy

Online Payments

4.5 (12)

100.00% of 12 reviewers that rated this feature as important or highly important

Accept and process online payment transactions

Receipt Management

4.6 (12)

91.67% of 12 reviewers that rated this feature as important or highly important

Upload, track, and submit receipts in a central database

In-Person Payments

4.2 (10)

70.00% of 10 reviewers that rated this feature as important or highly important

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

PCI Compliance

4.6 (10)

90.00% of 10 reviewers that rated this feature as important or highly important

Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS)

360 Payments 22 features

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

Application programming interface that allows for integration with other systems/databases

Create, manage, and send invoices or bills to customers

Accept and process credit card transactions

Protect sensitive data for digital privacy

Synchronizing data between two or more devices/systems and automatically updating changes to maintain consistency

Accept and process credit/debit card transactions

Electronically collect payments for goods or services

Digitally sign online documents

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

Hardware device connected to smartphones for processing payments

Clients can submit payments via mobile devices

Process payments via multiple modes directly through the application

Accept and process online payment transactions

Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc.

Integration with payment gateways to facilitate online transactions

Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS)

Accept and process customer payments for products or services using hardware and software

Upload, track, and submit receipts in a central database

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

Set up connections to third-party platforms to improve business processes

Get Advice

We can help you find the software with the features you need.

Features

4.7 (35)

4.7

Based on 35 reviews

## Pricing

Value for money

4.5 (31)

### Starting price

Contact vendor  
for pricing

Free trial  
not available

Value for money

4.5 (31)

4.5

Based on 31 reviews

## Integrations

[

NAPA TRACS](https://www.capterra.com/p/61551/NAPA-TRACS/)[

Shop-Ware](https://www.capterra.com/p/153469/Shop-Ware/)[

Tekmetric](https://www.capterra.com/p/190952/Tekmetric/)[

Shop Boss](https://www.capterra.com/p/121909/Shop-Boss-Pro/)[

MaxxTraxx](https://www.capterra.com/p/2071/MaxxTraxx-Pro/)[

Protractor](https://www.capterra.com/p/18043/Protractor-NET/)[

Omnique](https://www.capterra.com/p/118771/Omnique/)[

Tire Guru](https://www.capterra.com/p/159764/Tire-Guru/)

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

4.6 (31)

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

4.6 (31)

4.6

Based on 31 reviews

## User reviews

Overall rating

4.7

Based on 35 reviews

Filter by rating

5(28)

4(5)

3(1)

2(0)

1(1)

Mentioned topic

Sorted by most recent

AU

Anonymous User

Designer

Online Media

### "Simple and reliable payment processing"

4.0

Overall Rating

4.0

4.0

Ease of Use

4.0

4.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

9/10

December 22, 2025

360 Payments is a reliable partner for daily card transactions. Once everything is set up, payments run smoothly and we spend less time thinking about processing.

Pros

360 Payments makes card processing easy to understand and use. The support team is quick to respond and helps solve issues fast.

Cons

The online portal could be clearer, and some fees are not always easy to read at first. It 's easy to improve these flaws.

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.

RP

ryan p.

Graphic design

Design

### "Well rounded and robust payment "

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

December 22, 2025

Overall, it was a great app that had transparent and fair pricing with no hidden fees, and it is an overall good value I believe, especially for smaller businesses.

Pros

The feature I liked most about it and that I used the most was credit and debit card processing. I also like text to pay invoice.

Cons

The biggest downside was that occasionally duplicate or erroneous charges would pop up, meaning payments were accidentally duplicated.

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.

JG

Jeremy G.

Owner

Automotive

### "Dishonest and equipment is trash "

1.0

Overall Rating

1.0

1.0

Ease of Use

1.0

1.0

Features

1.0

1.0

Customer Service

1.0

1.0

Likelihood to Recommend

0/10

November 3, 2025

Pros

People are nice on the phone but are inexperienced and not completely 100% transparent and honest, especially when canceling.

Cons

When working with this company they had a lot of issues with their equipment and batching. The batching didn’t work on several different occasions with several different equipment options they kept sending me used and broken equipment that they got from some other person that it wasn’t working properly and kept trusting it for my financial security it was the most stressful experience of my entire life, but I continue to be patient and work with these people but when I finally decided to call it quits after a year and a half of nightmares and headaches what do they do when I called to cancel they won’t let me cancel. They never tell me that I owe them a form so they just continue to charge me the $40 a month and then even after I fill out the form they continue to charge me for the $40 a month. I’ve had to call these people over four times to cancel the account. They will refuse to refund any of the money I would say stay away from these people with all you can do not risk your money with them. They do not care about you. They are terrible company. They are dishonest, and they do not deserve your business.

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.

BK

Bridgette K.

owner

Retail

### "Payment Processing comes full circle"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

0.0

0.0

Likelihood to Recommend

8/10

November 2, 2025

Pros

What an awesome software! The customer support and willingness to help was awesome. This software did not have much of a learning curve. I rely on this software for my payment processing and it exceeded my expectations. As compared to other software, the value for the money is great.

Cons

I currently do not have any complaints about the software. It exceeded my expectations and improved payment processing with credit cards.

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.

JL

Jill L.

HR Manager

Construction

### "Ease of use and text 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

9/10

October 10, 2025

Ease of setting up and ease of using with customers. Mobile payments can be used anywhere you are with access.

Pros

Text to pay feature is amazing and very convenient. People don't have time these days to set up payments through banking.

Cons

Lack of integration with other software. This would make things easier to implement customers and old payments.

Switched from

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)

Easy of payments and text payment feature

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.

Steve P.

Head of BD

Commercial Real Estate

### "360 Payments"

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

7/10

September 14, 2025

Good experience with a nice company and product. happy with the package and would consider it above others

Pros

Good overall product with effective features and pretty good customer support. Easy to set up security

Cons

Cost is a little high and some fo the features are difficult to find without searching for them. Not as easy to use as others

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.

JS

Jacqueline S.

Self employed

Retail

### "Great software"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

0.0

0.0

Likelihood to Recommend

10/10

September 12, 2025

Pros

My experience with 360 Payments has been fantastic. From my very first phone call, where everything was explained well, their customer service has always been friendly, knowledgeable, and supportive. Reliable service, excellent customer care, and competitive rates

Cons

I have really no complaints about the service or the payment system, I am really impressed with everything

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.

MB

Mark B.

Owner

Insurance

### "360 Payments The Best way to collect 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

September 11, 2025

Pros

I really appreciated the Value for Money, the Customer Support I received was also very good. The system's Ease of Use with Payment Processing was very good. The Fee Transaction was also affordable and the ability for Website Creation was also a real benefit.

Cons

The company did very well and the customer support was very good I didn't have any cons to think of.

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.

MN

Mihai N.

Project Manager

Airlines/Aviation

### "Good product in the Fintech world"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

9/10

September 9, 2025

overall I would say that it is a great product and I would give a note of nine from maximum ten points. I can add that the fee transactions are very good.

Pros

It is very easy to use and we like it very much. It is a great product that we really love. It integrates very easily with shop management systems and digital workflows. Regarding the customer support, I can say only good things and we really love the communication with them.

Cons

sometimes the situation is that it has some occasional problems and issues and sometimes you can see duplicated payements. Also when you integrate this with the software you already have, there are some limitations. The customizations could also be better, but I am sure it will evolve with time. Regarding the website integration it can also be improved.

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.

BP

Brittany P.

Management

Food & Beverages

### "Useful an secure "

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 12, 2025

Pros

360 Payment has made our day to day operation a lot easier to processing payments. We have saved time switching to this software.

Cons

The product malfunction from time to time which is and in convince which cause delays in payment processing.

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.

[View all Reviews](https://www.capterra.com/p/177326/360-Payments/reviews/)

Popular comparisons

[PayPal vs 360 Payments](https://www.capterra.com/compare/177326-207944/360-Payments-vs-PayPal) 

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