# 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 --- # 360 Payments Software Review 2026: Features, Integrations, Pros & Cons Last updated on June 3, 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)[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/) Recognitions Shortlist Best ease of use Overall rating Based on 35 user reviews Reviews sentiment Positive 94% Neutral 3% Negative 3% 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... - eCommerce / 2026 - Mobile Credit Card Processing / 2026 - Payment Processing / 2026 Our "Best of" badge program showcases products with the highest ratings... ## 360 Payments alternatives Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,296)](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 [4.6 (3,354)](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 [4.2 (142)](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 79% of reviewers rated it above 4 stars [3.8 (34)](https://www.capterra.com/p/149107/Virtual-Terminal/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 68% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/177326/360-Payments/alternatives/) ## FAQs about 360 Payments Overview ### Which roles and teams benefit most from 360 Payments? 360 Payments is most used by business owners, office managers, and operations teams that need reliable payment processing and simpler day-to-day transaction management. Finance and payroll administrators use it to support billing and cash flow tracking, while managers and business leaders rely on it to streamline customer payments and reduce administrative friction. Answer based on 35 reviews Overview ### What company size and industries is 360 Payments built for? 360 Payments is built mainly for small businesses, which make up 94% of reviewers, especially in automotive, its top industry at 18%. It also serves retail and food and beverages businesses, each at 9%, plus automotive repair shops, medical practices, and dental offices, primarily for payment processing. Answer based on 35 reviews Talk to an expert ### More questions? Ask our experts Features and Usability ### What are the key features of 360 Payments? 360 Payments offers ACH payment processing, credit card and debit card processing, electronic payments, and online, in-person, and mobile payments. It also includes recurring and subscription billing, billing and invoicing, PCI compliance, payment fraud prevention, payment gateway integration, reporting and analytics, and third-party integrations. Integrations ### Which third-party tools and platforms does 360 Payments integrate with? 360 Payments integrates with 10 third-party tools, including Protractor, Blue Sage Software Pacesetter, EBMS, MaxxTraxx, NAPA TRACS, Omnique, Shop Boss, Shop-Ware, Tekmetric, and Tire Guru. These integrations cover accounting, shop management, and payment-related workflows. Answer based on 5 reviews Getting Started and Support ### What training and onboarding options does 360 Payments offer? 360 Payments provides in person training, documentation, and videos to help teams get started. In person training supports direct instruction, documentation offers written reference material for self-paced review, and videos provide visual guidance for learning features and setup steps. Getting Started and Support ### What customer support options does 360 Payments offer? 360 Payments provides Email/Help Desk, Phone Support, and Chat. Users describe the support team as knowledgeable, friendly, and quick to respond, especially when resolving setup questions or terminal issues. Some mention that customer service explains things clearly and handles troubleshooting with little delay. Answer based on 9 reviews ## 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) 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 AN 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/) ## 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 360 Payments](https://www.capterra.com/compare/177326-207944/360-Payments-vs-PayPal)