# Best Payment Processing Software 2026 | Capterra > Find the top Payment Processing software of 2026 on Capterra. Based on millions of verified user reviews - compare and filter for whats important to you to find the best tools for your needs. Source: https://www.capterra.com/payment-processing-software/s/mac --- # Best Payment Processing Software Last updated on March 31, 2026 How to find the right Payment Processing Software? Learn more from our team about Payment Processing Software pricing features and benefits in our Payment Processing Buyers Guide Verified Insights Provider data verified by our Software Research team and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) ## What is payment processing software and how do I choose the right one? Researched by: [Giorgia Pisano](https://www.capterra.com/resources/author/giorgia-pisano/)and reviewed by: [Liza Amlani](https://www.capterra.com/resources/author/liza-amlani/) Updated on March 31, 2026 [Payment processing software](https://www.capterra.com/payment-processing-software/) allows organizations to process credit card payments via online payment portals or traditional point of sale (POS) interfaces. Payment processing solutions include payment management, credit card authorizations, settlements, and administrative functions. Payment processing software is used across many departments, most often by employees in asales, accounting, and IT. Many payment processing solutions on the market are free to use but charge a transaction fee. Optional monthly subscriptions offer access to additional features. Basic plans cost $39 per month on average, while advanced plans are $181 per month on average. First-time buyers should consider their budget, user needs, and available integration options when selecting software. To identify the best system for your needs, consult stakeholders on key vendor questions: _How easy is it to record financial transactions?_ _How does the software track key metrics?_ _Can payment be processed via multiple methods?_ For more information consult our [Payment Processing Buyers Guide](#buyers-guide-content) [4.0 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Good for: Multiple Payment Options Stax delivers seamless payment processing and scalable embedded payment solutions to SMBs, ISVs, and SaaS businesses. [Learn more about Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/) [4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/) Great for: Data Security The payment platform helps businesses manage finances via credit cards, checks, wire transfers, and more. Fund payroll by credit card. [Learn more about Zil Money](https://www.capterra.com/p/10014229/Zil-Money/) 0.0 (0) CellPoint Digital is a cloud-based payment orchestration platform that streamlines transaction processing for merchants. [Learn more about CellPoint Digital](https://www.capterra.com/p/236095/CellPoint-Digital/) 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. [4.4 (16)](https://www.capterra.com/p/130697/MoonClerk/reviews/) MoonClerk makes it easy to accept recurring and one-time payments online — no coding, no setup fees, no hassle [Learn more about MoonClerk](https://www.capterra.com/p/130697/MoonClerk/) [4.3 (78)](https://www.capterra.com/p/131733/PayStand/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/) Speed up payments with zero fees on Paystand’s processing platform. [Learn more about Paystand](https://www.capterra.com/p/131733/PayStand/) [4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/) Good for: Data Security Manage business payments effortlessly with Melio. Pay vendors via bank transfers or cards, even where cards aren’t accepted.  [Learn more about Melio](https://www.capterra.com/p/184673/Melio/) [4.9 (247)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/) Great for: Electronic Payments Faster, Easier, Integrated Insurance Payment Services [Learn more about ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/) 95% of users recommend this product [5.0 (1)](https://www.capterra.com/p/203272/Target-Group/#reviews) Our platform manages the end to end customer journey across a wide range of asset classes including both secured and unsecured lending. [Learn more about Target Group](https://www.capterra.com/p/203272/Target-Group/) [4.6 (369)](https://www.capterra.com/p/172591/Jackrabbit-Gymnastics/reviews/) Great for: Customer Service Cloud-Based gymnastics class software used by over 12,000 programs will transform the way your business grows. Learn more today! [Learn more about Jackrabbit Gymnastics](https://www.capterra.com/p/172591/Jackrabbit-Gymnastics/) [4.6 (743)](https://www.capterra.com/p/93349/Jackrabbit-Dance/reviews/) Good for: Online Payments Online dance studio software used by over 12,000 studios & schools will transform the way you run your dance studio. Learn more today! [Learn more about Jackrabbit Dance](https://www.capterra.com/p/93349/Jackrabbit-Dance/) [4.5 (93)](https://www.capterra.com/p/168245/Jackrabbit-Music-Online-Music-School-Management-Software/reviews/) Jackrabbits leading online music school management software helps you work smarter & more time to grow your business. [Learn more about Jackrabbit Music](https://www.capterra.com/p/168245/Jackrabbit-Music-Online-Music-School-Management-Software/) [3.8 (711)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Good for: Real-Time Data Keep up with consumer demand by accepting the newest payment methods on the market. [Learn more about Epos Now](https://www.capterra.com/p/152638/Epos-Now/) [4.6 (3304)](https://www.capterra.com/p/123889/Stripe/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/) Great for: Online Payments Stripe offers payment processing APIs for online commerce, helping businesses accept payments and expand with AI features. [Learn more about Stripe](https://www.capterra.com/p/123889/Stripe/) 81% of users recommend this product [4.4 (51)](https://www.capterra.com/p/135930/EBizCharge/reviews/) EBizCharge payment gateway integrates with ERP/accounting solutions and eCommerce shopping carts to lower credit card processing costs. [Learn more about EBizCharge](https://www.capterra.com/p/135930/EBizCharge/) [4.9 (12)](https://www.capterra.com/p/10006764/Dash-Billing/reviews/) Secure payment processing with self-service tools and real-time tracking. Built for compliance, speed, and customer convenience. [Learn more about Dash](https://www.capterra.com/p/10006764/Dash-Billing/) [4.5 (226)](https://www.capterra.com/p/172589/Jackrabbit-Swim/reviews/) Good for: Small Business Online Swim School Management Software. You will save money, increase student registrations, grow profits, and improve retention. [Learn more about Jackrabbit Swim](https://www.capterra.com/p/172589/Jackrabbit-Swim/) [4.6 (15)](https://www.capterra.com/p/220016/PayTrace/reviews/) PayTrace makes it easy to accept payments anywhere for B2B businesses and ISV partners looking for revenue growth. [Learn more about PayTrace](https://www.capterra.com/p/220016/PayTrace/) [4.5 (105)](https://www.capterra.com/p/231293/Zoho-Subscriptions/reviews/) Good for: Value for Money Simplify the payment process with Zoho Billing's multiple payment choices, including cards, bank transfers, and PayPal. [Learn more about Zoho Billing](https://www.capterra.com/p/231293/Zoho-Subscriptions/) 81% of users recommend this product [4.2 (104)](https://www.capterra.com/p/131433/Chargebee/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/) Chargebee is a revenue growth management platform tailored to meet your unique business needs & improve operational efficiency. [Learn more about Chargebee](https://www.capterra.com/p/131433/Chargebee/) [3.8 (33)](https://www.capterra.com/p/149107/Virtual-Terminal/reviews/) Helcim offers a complete, affordable payment solution for businesses. Easily accept contactless payments in-store, on-the-go, or online [Learn more about Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) [4.5 (1470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) Great for: Mid-Size Business SumUp provides payment processing, card acceptance, and POS systems to help small businesses manage finances effectively. [Learn more about SumUp](https://www.capterra.com/p/170673/SumUp-Air/) [3.6 (5)](https://www.capterra.com/p/276405/SumUp-Plus-Card-Reader/#reviews) Cloud-based card reader that helps businesses process digital transactions, track sales history, and maintain a product catalog. [Learn more about SumUp Plus Card Reader](https://www.capterra.com/p/276405/SumUp-Plus-Card-Reader/) [4.5 (1132)](https://www.capterra.com/p/148516/Marketing-360/reviews/) Good for: Ease of Use Marketing 360 Payments for SMB. Integrate all your revenue into M360 payments and build profitable marketing campaigns in one place. [Learn more about Marketing 360](https://www.capterra.com/p/148516/Marketing-360/) 82% of users recommend this product 0.0 (0) SoftCoPay fully automates your payment processes through one single workflow for all payment types (card, ACH, or check). [Learn more about SoftCoPay](https://www.capterra.com/p/10005145/SoftCoPay/) [4.8 (524)](https://www.capterra.com/p/163474/WeTravel/reviews/) Great for: Mobile Payments WeTravel is the leading booking & payments platform for multi-day and group travel businesses. [Learn more about WeTravel](https://www.capterra.com/p/163474/WeTravel/) 94% of users recommend this product Page 1 of 34 Filter (827) Products: Sort By: Sponsored * * * Plan Type Free Trial Popular 85% of professionals opt for a 30-day trial before the software purchase Other subsciption plans: Free Version Monthly Subscription Annual Subscription One-Time License Key Features All key features Popular We have selected the most important and critical features as defined by Capterra user reviews ACH Payment Processing AI Copilot Billing & Invoicing Debit/Credit Card Processing Electronic Signature Generative AI In-Person Payments Mobile Payments Multi-Currency Multiple Payment Options Payment Fraud Prevention Payment Gateway Integration PCI Compliance Recurring/Subscription Billing Reporting/Analytics Transaction Monitoring Deployment Cloud, SaaS, Web-Based Desktop Mac Desktop Windows Desktop Linux On-Premise Windows On-Premise Linux Desktop Chromebook Mobile Android Mobile iPhone Mobile iPad I'm looking for Payment Processing Software that is: [Web-Based](https://www.capterra.com/payment-processing-software/s/web-based/) Table of Contents - [Essential payment processing buying information](#essential-payment-processing-buying-information) - [What are the most reviewed payment processing solutions?](#what-are-the-most-reviewed-payment-processing-solutions) - [What is payment processing software?](#what-is-payment-processing-software) - [Payment processing software pricing](#payment-processing-software-pricing) - [Payment processing features rated by users](#payment-processing-features-rated-by-users) - [Top payment processing benefits identified by users](#top-payment-processing-benefits-identified-by-users) - [Common challenges of payment processing identified by users](#common-challenges-of-payment-processing-identified-by-users) - [What is payment processing software used for?](#what-is-payment-processing-software-used-for) - [Who uses payment processing software?](#who-uses-payment-processing-software) - [Common payment processing software integrations](#common-payment-processing-software-integrations) - [Recent trends in payment processing software](#recent-trends-in-payment-processing-software) - [Learn more about how payment processing software can help your business](#learn-more-about-how-payment-processing-software-can-help-your-business) ## Essential payment processing buying information [Payment processing software](https://www.capterra.com/payment-processing-software/) allows organizations to process credit card payments via online payment portals or traditional point of sale (POS) interfaces. Payment processing solutions include payment management, credit card authorizations, settlements, and administrative functions. Payment processing software is used across many departments, but most often by employees in administrative, finance and accountancy roles, and by entrepreneurs or business owners. “I often notice a reluctance to invest in upgrading payment processing software,” says Liza Amlani\[[1](#sources)\], Principal and Co-founder of Retail Strategy Group. “There's a fear that any changes might disrupt payment flows, which is a fundamental concern. However, given the advancements in technology today, it's crucial to keep up, especially as consumers are shopping globally and in real-time.” Many payment processing solutions on the market are free to use but charge a transaction fee. However, businesses can often opt to pay on a “per month” basis in order to gain access to additional features. Entry level pricing plans typically cost around $39 per month, and mid-tier and advanced plans typically range from $115 to $181 per month.\[[2](#sources)\] First-time buyers should begin evaluating with a budget, number of users, specific use cases and necessary integrations in mind. We recommend consulting with stakeholders on a list of critical questions to ask potential vendors. Consider asking these questions to help you evaluate systems based on business needs. - How easy is it to accept and record financial transactions? - Does the software allow viewing and tracking of key metrics? - Does the tool facilitate payment processing via multiple methods? ## What are the most reviewed payment processing solutions? [Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/) identifies the top payment processing systems based on a proprietary blend of user ratings and popularity to help  small and medium businesses quickly find the best payment processing solution for their needs.\[[3](#sources)\] Here are the five most-reviewed products in our Capterra Shortlist for this category: Product Overall score Popularity score Ratings score [PayPal](https://www.capterra.com/p/207944/PayPal/) 98/100 50/50 48/50 [Venmo](https://www.capterra.com/p/222572/Venmo-/) 93/100 45/50 48/50 [Stripe](https://www.capterra.com/p/123889/Stripe/) 88/100 42/50 46/50 [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) 80/100 32/50 48/50 [SumUp](https://www.capterra.com/p/170673/SumUp-Air/) 71/100 29/50 42/50 These rankings are determined by combining verified user ratings and publicly available web search popularity data:  - **Ratings score:** Relative score of the software based on ratings given by users on Capterra, normalized for number and recency of reviews. - **Popularity score**: Relative popularity of software based on web search trends and products’ web presence. ## What is payment processing software? [Payment processing software](https://www.capterra.com/payment-processing-software/) provides a secure platform for businesses to accept and manage online payments while also protecting their sensitive financial information. The tool supports various payment methods, including credit cards, debit cards, mobile wallets, and bank transfers. With the tool’s analytics dashboard, businesses can gain valuable insights into their payment activities. The gathered data helps enhance the payment process for customers by adding more payment options, enabling transactions in multiple languages and managing customer data for future transactions. “As a former retail buyer with over 20 years of experience, I find that insights into purchasing habits can provide a merchant with incredibly exciting data,” says Amlani. “These insights inform merchandising, planning, and store allocation decisions. As you learn about your customers’ purchasing habits, you can start curating your product assortments in a localized manner.” Capterra covers 1,254 software products, and we published 10,407 reviews from users of this software in the past year.\[[4](#sources)\] ## Payment processing software pricing Many basic payment processing solutions on the market are free to use, but charge a fee per transaction. Payment processing software vendors often provide additional features on a "per month" basis, and a typical entry level pricing plan is around $39 per month. Mid-tier payment processing software plans typically cost around $115, and advanced or high-end plans typically cost around $181. - Entry-level systems generally include basic features such as: online payment forms, card reader integration, a virtual terminal and payment activity tracking. - Mid-tier plans usually provide features including recurring billing, fraud detection and payment reminders. - High-end plans usually include more advanced features such as payment gateway integrations, advanced reporting and global payment processing. First time buyers should be aware that you may also need to pay some upfront costs for hardware, such as card readers or a POS (point of sale) system. Some other upfront costs might include initial setup, training, and data migration. ### Pro tip: How to make sure you get the best-fit system for your need One of the main challenges for first-time buyers is the abundance of options available. Whether you're a small brand or a large retailer, finding software that suits both current and future needs is crucial. Amlanli advises buyers to: 1. Understand where your customers shop, whether it’s online, onsite, or a combination of the two. 2. Ensure the software supports global transactions and multi-currency operations. 3. Make sure the transaction process is transparent, as this is important for both the brand and the customer. ## Payment processing features rated by users All payment processing software include payment processing, data security, and reporting and analytics features.  ### Core payment processing features rated by users - **Data security**: Protect sensitive information during transactions via data encryption and tokenization to prevent unauthorized access or theft. 91% of payment processing software reviewers identified data security as a highly important feature. - **Online payments**: Allow payment webpages where clients can pay bills. 88% of payment processing software reviewers identified online payments as a highly important feature. ### Highly-rated common payment processing features - **Debit/credit card processing**: Accept and process credit/debit card transactions. 86% of payment processing software reviewers identified debit or credit card processing as a highly important feature. - **Transaction monitoring**: Monitor or audit historical and current transactions to analyze customer account activities. 85% of payment processing software reviewers identified transaction monitoring as a highly important feature. - **Payment fraud prevention**: Detect and prevent payment fraud via tools like authorization, dual authentication, address verification, risk scoring, seller protection, etc. 84% of payment processing software reviewers identified payment fraud prevention as a highly important feature. - **Multiple payment options**: Allows to process payments via multiple modes directly through the application. 78% of payment processing software reviewers identified multiple payment options as a highly important feature. - **Mobile payments**: Allow clients to submit payments via a mobile device. 75% of payment processing software reviewers identified mobile payments as a highly important feature. - **Billing and invoicing**: Create, manage and send invoices or bills to customers. 75% of payment processing software reviewers identified billing and invoicing as a highly important feature. - **Reporting/Analytics**: Allows you to view and track pertinent metrics to find patterns and gain insights from data. 73% of payment processing software reviewers identified Reporting/Analytics as a highly important feature. - **ACH payment processing**: Receive credits and send direct debits through the Automated Clearing House (ACH) electronic network. 63% of payment processing software reviewers identified ACH payment processing as a highly important feature. - **In-person payments**: Allows transactions that typically involve face-to-face interactions between the payer and the payee. 62% of payment processing software reviewers identified in-person payments as a highly important feature. ## Top payment processing benefits identified by users **Allows secure payments:** Payment processing software allows clients to make secure payments without having to worry about data leaks or fraud. _“One feature I appreciate is the safe online payment site, which gives my clients peace of mind and enables them to conveniently make purchases without worrying about security."_ –Victoria C., CEO **Helps business growth opportunities:** Payment processing tools offer functionality that can be adapted to business growth on a case-by-case basis. _“I like that it is straight forward and easy to use, plus they offer additional products like financing and capital advances that are useful for growing businesses.”_  –Adam W., eCommerce professional **Supports integration with different tools:** Payment processing systems integrate with other platforms, allowing payments on different sites or apps. _“I like all the functions, but the most impressive is the product\`s efficiency and ease of integration with my business.”_ –Paula A., Apparel & Fashion professional ## Common challenges of payment processing identified by users The most common challenge cited by payment processing software reviewers on Capterra are refunds. Sometimes, system errors can make it difficult to reimburse customers. The second challenge cited by reviewers is fraud protection, which emphasizes how much users care about security. The third challenge mentioned is account management, as there may be difficulties in accessing different personal areas due to security systems or glitches in the system. When buying new platforms, 38% of software purchasers disclose that addressing security concerns is a top challenge, while another 37% mention issues with finding software compatible with existing systems.\[[5](#sources)\] When you’re talking to payment processing software vendors, you should ask a few questions to ensure you don’t encounter the same issues: - Is it possible to manage all phases of the payment, before and after the purchase, optimally from the platform? - Are there security systems in place to block any fraud? - Is there any customer support to help with platform management issues? ## What is payment processing software used for? Analysis of our extensive payment processing reviews highlight the most common use cases: - **Secure payments:** Businesses use payment processing tools to carry out safe and secure transactions. - **Online payments:** Payment processing users can send and receive payments, check account balances, and view mobile transaction history. - **Invoice management:** Payment processing users say these systems are helpful for preparing, sending and scheduling invoices, on a one-time or recurring basis. ## Who uses payment processing software? Payment processing tools are mostly used by employees in roles such as sales, accounting, and IT. According to reviews collected over the last 12 months on Capterra, payment processing systems are typically used by companies within the retail and eCommerce industries, but can also be used by nonprofits, healthcare, and any other industries that require payment for goods or services. Based on the reviews collected, the main companies using payment processing software appear to be small business. 57% of reviews come from companies with up to 10 employees and 20% come from companies with 11-50 employees. ## Common payment processing software integrations We analyzed our extensive reviews database and based on that, we determined the three categories that most often integrate with payment processing software are accounting, CRM and eCommerce. These integrations allow customers to be able to manage the entire sales cycle, from customer relationship management, to online buying and selling, and account tracking. According to reviews collected over the last 12 months on Capterra, integration tools result to be among the best advantages of payment processing software. ## Recent trends in payment processing software **The use of digital payments will increase in the future:** According to [Capterra’s 2023 Digital Payments Survey](https://www.capterra.com/resources/digital-payments/), “_90% of SMB managers expect that use of digital payments in their companies will increase in the future, with credit or debit cards, mobile payments, and mobile wallets being payment solutions companies leverage the most._” Providing digital payment capabilities as a payment option can improve the overall customer experience, increasing revenue and operational efficiency. Mobile payments and digital wallets in particular have become popular with consumers because of the convenience and ease of use they offer, as transactions can be made remotely and securely using only a smartphone. Businesses looking for payment processing software should ensure that the platform offers compatibility with these types of payments and generally keeps up with changing customer attitudes to payment methods. **Real-time payments are also on the rise:** According to the same Capterra study, currently 58% of SMB managers say their companies use RTPs (real-time payments) and 34% plan to harness this technology in the future.  Payments facilitated by these systems are initiated and settled almost instantaneously. Unlike traditional banking circuits, RTP systems process and settle transactions on a case-by-case basis. Another key difference is that RTP transactions can only be initiated by the sender and cannot be requested by the receiver or a third party. Again, when looking for payment processing software, businesses should consider if platforms offer an RTP network or plan to integrate with these types of services in the future. ## Learn more about how payment processing software can help your business If you’re still not sure what type of payment processing software is right for your business, check out our articles related to payment processing trends and solutions: - [5 Key Payment Processing Software Features and Top Products That Offer Them](https://www.capterra.com/resources/key-payment-processing-software-features/) - [How To Establish Your Accounting Department Structure](https://www.capterra.com/resources/how-to-establish-accounting-department-structure/) - [6 Top-Rated Tools To Include in Your Finance Tech Stack](https://www.capterra.com/resources/top-rated-finance-tech-stack/) - [Top 3 Accounting Challenges Small Businesses Are Facing](https://www.capterra.com/resources/common-accounting-problems/) Sources 1. [Liza Amlani,](https://www.linkedin.com/in/lizaamlani/) LinkedIn 2. **Capterra software pricing data:** Only products with publicly available pricing information and qualified software products within the category, as of May 14, 2024 are included in the pricing analysis. [Read the complete methodology](https://www.capterra.com/resources/proprietary-data-research/#software-buyers-guides-methodology). 3. **Capterra Shortlist:** Capterra Shortlist identifies the top products in our software categories based on a proprietary blend of user ratings and popularity. [Read the complete methodology](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology). 4. **Capterra reviews data:** Capterra reviews are collected from verified users for individual software products. For this report, we analyzed reviews from the past year as of the production date. [Read the complete methodology](https://www.capterra.com/resources/proprietary-data-research/#software-buyers-guides-methodology). 5. **Capterra 2024 Tech Trends Survey:** The 2024 Tech Trends Survey was conducted online in July 2023 to understand the timeline, organizational challenges, adoption & budget, vendor research behaviors, ROI expectations, and satisfaction levels for software buyers. [Read the complete survey methodology](https://www.capterra.com/resources/proprietary-data-research/#software-buyers-guides-methodology).