# EFX Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about EFX Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/196712/EFX --- # EFX 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) EFX ## What is EFX? EFX is a secure transaction processing company whose portfolio includes ATM, ACH payroll, and rent processing. Powered by the latest industry innovations, EFX provides secure and reliable transaction processing solutions across a variety of industries. By leveraging our agile team of technology leaders in combination with our relationship-driven approach, EFX is able to offer a breadth of capital flow solutions supported by proprietary software and white-glove client support. ## What is EFX used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 8 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price $1 One Time Free trial 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 EFX?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://efxfs.com&name=EFX) ## 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. ### EFX 4.0 (8) VS. [4.6 (3,317)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price $1 One Time Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.0 (8) Ease Of Use 4.5 (26,299) Value For Money 3.6 (7) Value For Money 4.4 (20,158) Customer Service 2.4 (5) Customer Service 4.2 (20,415) ## EFX alternatives [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing [4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/) Starting price $30.00 Per User, Per Month Highest Rated [4.9 (247)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) Starting price $25.00 Per User, Per Month [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,321)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month [Learn More](https://www.capterra.com/p/207944/PayPal/) [View all alternatives](https://www.capterra.com/p/196712/EFX/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Mobile Payments 1.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Online Payments 4.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Accept and process online payment transactions ACH Payment Processing Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) API Application programming interface that allows for integration with other systems/databases Data Import/Export Import and export data to and from software applications Debit/Credit Card Processing Accept and process credit/debit card transactions EFX 9 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 Import and export data to and from software applications Accept and process credit/debit card transactions Clients can submit payments via mobile devices Accept and process online payment transactions Integration with payment gateways to facilitate online transactions Automated process of charging customers at regular intervals for repeated access or use of a product or service Monitor or audit historical and current transactions to analyze customer account activities Get Advice We can help you find the software with the features you need. Features 3.6 (8) 3.6 Based on 8 reviews ## Pricing Value for money 3.6 (7) Free Trial Basic $1.00 One Time Value for money 3.6 (7) 3.6 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 2.4 (5) 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 2.4 (5) 2.4 Based on 5 reviews ## User reviews Overall rating 4.0 Based on 8 reviews Filter by rating 5(4) 4(0) 3(4) 2(0) 1(0) Mentioned topic Sorted by most recent Chris K. Self Employed Retail ### "EFX Payment Processing Software" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 0.0 0.0 Likelihood to Recommend 4/10 August 11, 2021 The thing that EFX taught us was how much we needed a payment processing application and what we needed it to do. It was much easier picking the next one we used Pros I like the customizable reports. This was helpful in tracking sales and payments. There are no subscription fees, its a one time payment so that is out of the way without added monthly charges. Cons This software did not fit our needs at all. I think it may be designed for a larger company. We needed a lot more function from a payment processing and accounting app. There was no mobile integration so on the go payments were too difficult and it got frustrating just trying to sign in. Reasons for choosing EFX I wasn't aware there were payment processing applications for a business the size of ours at the time. We saw an ad on a trade site at the same time we were talking about needing something like this so we just tried it. We have since learned a lot but this was out "first". 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. RM ruman m. president Financial Services ### "User Friendly" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 2.0 2.0 Likelihood to Recommend 7/10 February 6, 2020 Use it for ATM processing Pros User has full control. Options are well laid out. Have the option to add users and give them control as needed. Cons Not mobile friendly. Sometimes gets confusing. Passwords requirements are way too much 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. LJ Luis J. Owner Banking ### "Features and Recommendations" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 6/10 January 17, 2020 continued from above. 3) EFX should have more than one option for the accounts attached to a TID. For example, if I wish to have the Vault Cash go to one account, and a Reg-E settlement go to another, I should be able to do that. right now that is not an option. It is with other ATM processors, but not EFX. 2) Any action on Sibi Systems that changes the overall setup or status of an account should automatically trigger the system to send out an email to any and all managers of that TID. Pros 1) The website itself if very simple, and EFX does seem to give it's users and ATM Company operators more autonomy on the website to complete required tasks for different ATM Accounts/TID's. This is extremely beneficial in order to get a TID up and running on the spot and as quickly as possible. 2) Interchange buy rates are better than the market average, but EFX should capitalize on this by making them even better in order to gain a better share of the market. Cons 1) EFX use to allow individual ATM operators to process their own merchant bank accounts. Recently that access has been revoked back up to EFX Customer Support. One, this slows down my ability to process merchant accounts, and two, I have had more than one occasion where the EFX representative made a mistake with the account number, which I then had to contact to rectify. This change put a huge work load on those EFX representatives, that was not there before. When they have this huge new workload, they will speed through it and make mistakes with the account numbers. I, as an individual operator, have the time resources to thoroughly check, recheck and double check those account numbers to make sure they are correct. 2) EFX controls the Interchange Buy Rates completely. I cannot control and manage the rate beyond the rate that I'm given. Let me explain. I currently have a 9 cent buy rate. I have brought other operators under me with EFX, and gave them a buy rate that is 13 cents. The benefit to me is the different between the 9 cents and 12 cents. Meaning i make 3 cents for each transaction of other operators i bring. However, i cannot control and manage that difference. I had to work with EFX for 4 months on one project of another operator i brought to the platform before the right interchange rate was given to that operator. That is a huge waste of time for me and for EFX, and it's something that drives away those new operators. Reasons for choosing EFX Better autonomy online and better interchange buy-rates. 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. JM Jorge M. President Banking ### "Ai ATMs" 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 January 13, 2020 Pros The software is Very User Friendly and easily nagivated Cons The site can be Unstable and tends to update without notice 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. MA Mamoun A. Manager Accounting ### "It not the SW its support" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 3/10 January 8, 2020 I have been with EFX for almost 5 years. They have a big problem with support and responsiveness. On many occasions I would send an email with questions or inquiries and would never hear back even after I follow up. You almost have to beg them for a yearly disputes report and they would drag you for weeks before providing mediocre report lacking any valuable information or explanation. Pros the new SW is Easy to use and visually intuitive Cons maybe add more color coding to terminal status. Disputes status need more explanation. 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. AU Anonymous User Owner Financial Services ### "ATM processing works, except when it doesn't....will cost you time and money." 3.0 Overall Rating 3.0 3.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 January 3, 2020 Several major platform failures the last 2 years left ATM clients with weeks of failed transactions or settlement inaccuracies. EFX Customer service never provides ISOs a heads up when there is a problem, instead time is wasted trying to trouble shoot, and clients are alienated. A few honest an sympathetic employees offer a "I'm sorry", but otherwise management is extremely negligent in providing ISOs with ANY information necessary to weather a problem. I'm certain EFX is afraid of liability if they admit a problem, so the ISO's takes on the burden. Repeated requests to talk to management for a possible resolution are ignored. If not so much trouble to switch to another processor, would do so in an instant. There are plenty of other more ethical and forthcoming ATM processing options. Pros Reports are plentiful, but reconciling nearly impossible, because reports flip flop between business day and banking day. Cons When there's a problem, the ISO is left in the dark holding the bag, with unhappy ATM customers. There is no explanation from EFX.. No timeline offered for correction. 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. FA Franco A. Managing member Banking ### "Impressive " 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 December 19, 2019 Great! \[SENSITIVE CONTENT HIDDEN\] is always available and great asset Pros The cleanliness and simplicity of display. Cons No mobile optimization and the fact that just one individual knows more about the system Reasons for choosing EFX Better communication 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. JN Jennifer N. Property Manager Real Estate ### "Great for Multi Family Property" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 December 19, 2019 My residents have been so extremely happy with the option of paying online. It has made their life so much easier as most of them are students. Pros The ease of using the backend is really easy to teach. It's also very easy to navigate. It also makes leasing with people out of state much easier to pay deposits, etc... Cons I would like to see about integrating on an older system of rental records. I would like to see about the possibility of extending access to overseas customers :) 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/196712/EFX/reviews/) 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/)