# Paya Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Paya Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/251803/Paya --- # Paya Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 24, 2025 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) Paya ## What is Paya? Accept all types of payments, wherever you do business, with Paya (formerly known as Sage Payment Solutions. Accept credit, debit, check, ACH, mobile, and more - at your retail store, a customer's location, or on the phone. Connect payments automatically to your accounting solution and eliminate manual bookkeeping entries. Paya offers a comprehensive set of solutions and competitive pricing, with best-in-class customer support. ## What is Paya used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 17 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Contact vendor for pricing Free trial not 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 Paya?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://paya.com/&name=Paya) ## 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. ### Paya 3.6 (17) VS. [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 3.4 (17) Ease Of Use 4.7 (484) Value For Money 3.3 (15) Value For Money 4.6 (411) Customer Service 2.9 (16) Customer Service 4.8 (449) ## Paya alternatives [4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/) Starting price $30.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 92% of reviewers rated it above 4 stars Highest Rated [4.7 (3,632)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting price $23.99 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [4.6 (3,335)](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 [4.1 (127)](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 76% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/251803/Paya/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Debit/Credit Card Processing 2.0 (3) 66.67% of 3 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Online Payments 3.0 (3) 33.33% of 3 reviewers that rated this feature as important or highly important Accept and process online payment transactions Recurring/Subscription Billing 2.5 (2) 0.00% of 2 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service Reporting/Analytics 2.0 (2) 50.00% of 2 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data ACH Payment Processing 1.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) In-Person Payments 1.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee Paya 7 features Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Accept and process credit/debit card transactions Transactions that typically involve face-to-face interactions between the payer and the payee Clients can submit payments via mobile devices Accept and process online payment transactions 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 Get Advice We can help you find the software with the features you need. Features 3.4 (17) 3.4 Based on 17 reviews ## Pricing Value for money 3.3 (15) ### Starting price Contact vendor for pricing Free trial not available Value for money 3.3 (15) 3.3 Based on 15 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 2.9 (16) 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 2.9 (16) 2.9 Based on 16 reviews ## User reviews Overall rating 3.6 Based on 17 reviews Filter by rating 5(6) 4(6) 3(1) 2(1) 1(3) Mentioned topic Sorted by most recent ES Erica S. Accounting Accounting ### "Will NEVER Use Paya Again" 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 June 3, 2025 More than 7 months ago Paya stopped depositing money into our account. We've contacted representatives, who will work with us for a minute...we know the problem stemmed from them categorizing our Checking account as a Savings account, but then the person we're speaking with stops answering us. We've passed the issue over to our bank, but I don't think they're having any more luck. Problems will happen, but 7 months is ridiculous. Pros It connected with Sage. That's it. It's not particularly easy to use, and the fees aren't any lower than anything else. Cons We can't get our money out of them, and only sporadically get replies. It shouldn't be so difficult to contact someone. 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. MD Morgan D. CEO Accounting ### "Awful unethical company" 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 October 12, 2023 Awful to start to finish Pros It was connected to Sage, otherwise it's overpriced Cons Difficult to set up, unhelpful setup personelle, very high rates, cancelled then started charging a year later, won't refund money. 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. TP Theresa P. Owner Medical Practice ### "Run run run" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 July 26, 2023 Shady company I am going to fight for what my contract said but I feel this is a shady company. Pros Ability to store credit cards or send bills Cons Rough start with minimal training . Account was spelled wrong to a long time to fix but the worst is I went with them for the pricing. I have it in writing and signed contract. They are charging me 1 percent more and a ton of fees. They tried to fix it but still not the rate I switched to them for. This is illegal and the did a bait and switch. Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Price abc to store 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. JH Julia H. Project Manager Consumer Services ### "Way to Accept Credit Card Payments" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 6/10 October 6, 2022 Pros We chose Paya because it integrated well with Sage to allow us to have our invoices paid by credit card. Paya does make it easy for our customers to pay invoices via credit card. Cons Paya is not easy to work with on the backend and there is very limited customization that you can do with how it is setup, which causes issues if people don't pay how Paya expects them to pay an invoice. Their customer service usually takes a long time to answer and often assumes that our accounting software is the problem, rather than them so we end up going in circles trying to find the right person for an issue. 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. HG Heather G. Controller Retail ### "Integrates with Sage, but that's about it." 2.0 Overall Rating 2.0 2.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 April 8, 2022 Not great. Would not recommend. Pros I like that you can enter payments directly into Sage software on the invoices, so there is no extra step later to apply payments. Cons No customer service. The only way you can get a person on the phone is by hitting the button that you want to cancel your account. Otherwise the phone system just cuts you off. After explaining my problem, which was no batch showing for a certain day, I was told they would research the problem and I heard nothing back. Also, the only card reader they offer does not print out its own receipt. You still have to print out the receipt on a regular printer which is a huge waste of paper. This was the only option to be able to integrate with Sage desktop is the only reason I tried it. The fees are comparable to what we pay with our other payment processor. I kept the other processing machine in use in case Paya did not work out. I don't think it's worth the integration to totally switch over. 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. HR Harsha R. President Health, Wellness and Fitness ### "\*\*Fraud alert\*\* Use this software only if you are okay with your money getting stolen from your bank" 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 March 25, 2021 Beware!!! Do not use this software Pros Had an agent you represented this company Cons Paya was set up to process payments and deposit the money in our bank account. Paya fraudulently debited thousands of dollars from the bank account on nine different counts over a period of six months. They alternatively used a few different business names and made several unauthorized debits. Whatever software you choose, please be cautioned if you are choosing Paya. Be prepared for money getting stolen and a big run around if you try to recover your stolen money. 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. Jenna G. CFO Hospital & Health Care ### "A bit underwhelming" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 2.0 2.0 Likelihood to Recommend 5/10 December 16, 2019 I appreciate that we can process payments more easily but hate that we've had so many glitches with the process. Pros It is easier to process ACH and credit card payments since we started utilizing this software. We also now have a clear record of historical transactions. Cons There have been numerous issues with the setup process. The first few months they were massively overcharging us for the service. Additionally, it would take them days to process the payments. Also, the monthly statement for several months haven't matched what they deposit into it account and they have yet to clarify there disparity despite our attempts to reach or. 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. LF Lisa F. Billing manager Health, Wellness and Fitness ### "sage payment solutions" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 September 17, 2019 I would recommend this product for processing payments. One step process. Pros This software is very simple to process our credit/debit card payments. We have been using for over 10 years and no issues. Nice to automatically post a payment to patient's account without having to do on credit card machine and then enter into practice management system. Cons Every once in a while, there will be an error when trying to process payments, but is fixed very quickly usually within minutes. Reasons for choosing Paya fees were more feasible and simple to post. Again one step process. 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. Alexander H. Senior Estimator Civil Engineering ### "Sage Payment" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 August 6, 2019 Pros Easy User interface. I found it a quick learn! Cons Limited 3rd party connections and functionality. 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. KM Kiara M. admin Health, Wellness and Fitness ### "Easy to process payments on the go!" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 7/10 January 22, 2019 Pros You can process payments right from your smart phone. Cons It is a very basic software, but if you don't need all the bells and whistles it will get the job done. 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/251803/Paya/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. 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/)