# 360 Payments Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is 360 Payments the right Payment Processing solution for you? Explore 35 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/177326/360-Payments/reviews --- 360 Payments 4.7 (35) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of 360 Payments Ease of use 4.7 Customer Service 4.6 ## Pros and Cons in Reviews rp ryan p Graphic designDesign, 2 - 10 employeesUsed the software for: 6-12 months. “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.“ December 22, 2025 JL Jill L HR ManagerConstruction, 51 - 200 employeesUsed the software for: 6-12 months. “Lack of integration with other software. “ October 10, 2025 BR Brandon R Registered Behavior TechnicianHospitality, 11 - 50 employeesUsed the software for: Less than 6 months. “It offers transparent pricing, no contracts, no junk fees, and reliable customer service.“ April 15, 2025 PJ Priyanshu J ManagerComputer Software, 5,001 - 10,000 employeesUsed the software for: Less than 6 months. “Lack of integration with other software.“ April 20, 2023 JS Jacqueline S Self employedRetail, Self-employedUsed the software for: Less than 6 months. “From my very first phone call, where everything was explained well, their customer service has always been friendly, knowledgeable, and supportive.“ September 12, 2025 Sarah P OwnerMarketing and Advertising, 2 - 10 employeesUsed the software for: I used a free trial. “Ready to go & easy to use software that really hits the nail on the head with practicality and transparency.“ April 29, 2025 ## Showing most helpful reviews Showing 1-25 of 35 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Sarah P. Owner Marketing and Advertising Used the software for: I used a free trial ### "Yay 360 Rocks" April 29, 2025 5.0 I loved my experience with 360 Payments overall because it was easy, affordable, and effective! Pros Ready to go & easy to use software that really hits the nail on the head with practicality and transparency. Cons It didnt have a lot more extra bonus features to play with or enhance the productivity or growth. Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[Mailchimp](https://www.capterra.com/p/110228/MailChimp/) Idk i guess to Try new things and new software. Review Source MN Mihai N. Project Manager Airlines/Aviation Used the software for: 1-2 years ### "Good product in the Fintech world" September 9, 2025 5.0 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 JG Jeremy G. Owner Automotive Used the software for: 1-2 years ### "Dishonest and equipment is trash " November 3, 2025 1.0 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 VR Verified Reviewer Designer Online Media Used the software for: Less than 6 months ### "Simple and reliable payment processing" December 22, 2025 4.0 360 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 JL Jill L. HR Manager Construction Used the software for: 6-12 months ### "Ease of use and text payments" October 10, 2025 5.0 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 rP ryan P. Graphic design Design Used the software for: 6-12 months ### "Well rounded and robust payment " December 22, 2025 5.0 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 Steve P. Head of BD Commercial Real Estate Used the software for: I used a free trial ### "360 Payments" September 14, 2025 4.0 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 MB Mark B. Owner Insurance Used the software for: I used a free trial ### "360 Payments The Best way to collect payments." September 11, 2025 5.0 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 RS Raj S. President Computer & Network Security Used the software for: 6-12 months ### "A payment solution that's easy on the pocket" March 30, 2025 4.0 Very clear and easy to understand pricing. No hidden charges. The payment processing fees are very easily affordable even for non-profits. I'd recommend this product highly. Pros It's an ideal solution for SMB retail clients who process small payments. Very economical pricing. It offers payment processing on a variety of devices. Cons Occasionally payments got duplicated. But they were remedied. Review Source BP Brittany P. Management Food & Beverages Used the software for: 1-2 years ### "Useful an secure " June 12, 2025 5.0 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 KC Karen C. Secretary Automotive Used the software for: 2+ years ### "We love 360 Payments" March 2, 2022 5.0 360 has given our company great support and answered all questions when we call. There's no waiting for a call back! Pros Love that it integrates with our software and we don't have to input everything into a terminal. Cons Of course with all payment processing companies the fees are higher if you have to hand key in a card. Review Source PF Paul F. Office Manager Used the software for: 6-12 months ### "Easy to work with, easy to set up , great support when needed and good rates" July 24, 2018 5.0 Competitive pricing and ease of use means that it saves us time and money Pros Assistance when needed and the good rates, Everything about their system is easy. I like that we are speaking to the same people when we do need help rather than being passed around some faceless call center. Cons I am really sorry but I can't think of anything that I don't like. I have to put something in here but can't think of anything bad at all to say. Review Source Response from 360 Payments July 25, 2018 Thank you, Paul! We're flattered that you love our integration so much you can't find a single negative thing to say ;) We plan to keep earning your trust and positive feedback every day. That being said, if there's ever anything we can do to serve you better please don't hesitate to reach out at 408-295-8360. Thanks again, Paul! Have a wonderful day. JM Julie M. Payroll Manager Consumer Services Used the software for: 1-2 years ### "360 Payments is a great, easy to use program!" March 5, 2025 5.0 We have been happy with the program. It is easy to use and the text to pay feature has been a lifesaver for our business. Pros We use this program to process payments from customers, process refunds, etc. We love the text to pay feature. It has helped immensely with getting payments from customers who are not on site. Cons There have been a few times where we had a glitch and payments were duplicated. It was easy to resolve however and refund. Review Source NI Nicole I. Project Coordinator Construction Used the software for: Less than 6 months ### "360 Payments makes billing seam like a day at the Park" May 1, 2025 5.0 Customer service was great, quick, and eager to help. It's a simple invoicing app. It's not as overwhelming as some of the others. Pros I appreciate that they were very easy to set up and customer service is ready and waiting for you to call. They are easy to understand and very quick response time. Cons We didn't like not having same day deposits. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) We switched due to needing more versatility. Review Source KO Keith O. Manage Food & Beverages Used the software for: 6-12 months ### "Not so good" March 15, 2025 3.0 Easy to use but always a problem with the system malfunctioning. Pros Easy to use software installation with the product. Cons Customer service was horrible. System would go down for 48 hours sometimes. Review Source gB gabriel B. manager Construction Used the software for: Less than 6 months ### "Cant live with out it !" May 5, 2025 5.0 Our accounting team will and cant live without it now that we have been using it for the last 4 months. Pros Payments 360 made a huge difference for us in our account department. We were able to advance the department to the next level. Cons If I had to say that there was a con it would be like every other time you have to make a change in the office. You need patience. Review Source BK Bridgette K. owner Retail Used the software for: 6-12 months ### "Payment Processing comes full circle" November 2, 2025 5.0 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 AD Allen D. Operations Manager Food & Beverages Used the software for: 6-12 months ### "Payments made easy!!" April 4, 2025 5.0 Pros Made receiving payment from my client a breeze. Cons There isn't a single thing I don't like about 360 payment. Review Source SR Sugiti R. Pharmacist Pharmaceuticals Used the software for: Less than 6 months ### "The ease of using 360 Payments" March 11, 2025 5.0 It has been a great experience! We definitely recommend all businesses especially businesses to use this since it creates a more rememberable experience for the customers. Pros We enjoy using 360 payments in the pharmacy since it is so convenient to have different options for patients to pay for their medications. Cons There was nothing bad about this software. It was convenient to use and if there was any trouble shooting issue, the customer support center was great and resolved any issues quickly and seamlessly. Review Source KW Kelly W. Porter Facilities Services Used the software for: 1-2 years ### "360 payments works great!" May 5, 2025 5.0 Pros The processing fees are affordable and there are no hidden fees. Cons I can not think of any cons for 360 payments. Review Source BR Brandon R. Registered Behavior Technician Hospitality Used the software for: Less than 6 months ### "Paying With Ease" April 15, 2025 5.0 I love that it protects financial data and is easy and quick to set up. On top of that, there is a wide range of payment options in case there are issues with your credit cards. Pros It offers transparent pricing, no contracts, no junk fees, and reliable customer service. Cons Duplicate charges tend to occur, but it doesn't happen often. And sometimes, there are system malfunctions. Review Source SH Sadie H. Owner operator Cosmetics Used the software for: Less than 6 months ### "Easy to use and no surprise costs " April 17, 2025 5.0 Overall I had a positive experience with 360 payments and am very happy with the service I was given. Pros It is very easy to use and has a clear and affordable pricing structure. Cons I have had some complaints about double payments and some other payment issues Review Source MN Miranda N. Service Rep Health, Wellness and Fitness Used the software for: I used a free trial ### "Give it a try !" February 12, 2025 5.0 Pros Great experience. Quick response all the time and low service fees. A+ Cons My customers have been double charged in many cases. 360 offers no reason why other than to give them back their money and put in a claim to be reimbursed. Review Source JS Jacqueline S. Self employed Retail Used the software for: Less than 6 months ### "Great software" September 12, 2025 5.0 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 TD Thomas D. Owner Arts and Crafts Used the software for: Less than 6 months ### "Wonderful experience. " March 1, 2025 5.0 It was a wonderful experience with 360 payments Pros I liked how easy it is to make and process payments Cons Nothing that I do not like specifically. 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