--- title: "Best Payment Processing Software for Small Businesses 2026 | Capterra" description: "Find and compare the 2026 best Payment Processing software for small businesses, using our interactive tool to quickly narrow your choices based on businesses like yours." source_url: "https://www.capterra.com/payment-processing-software/s/small-businesses/" page_type: "subcategory" language: "en" --- # Best Payment Processing Software for small business Written by David Jani David is an analyst with 5 years of experience covering technology for accounting, cybersecurity, and other business uses. His insights draw on 20+ studies and 2.5 million Capterra reviews. [See full bio and all articles](https://www.capterra.com/resources/author/david-jani/). ## Top 10 products for small businesses, ranked by reviewer ratings For this Capterra list, I looked at Payment Processing tools listed for small businesses. 10 products met the 4.0/5 category-rating floor and had at least 100 category reviews; I used ratings adjusted for review volume to rank them. ePayPolicy ranks first, with a 4.9/5 Payment Processing rating from 185 category reviews; Ease of Use scores 4.9/5. If your small business is narrowing its options, I'd use these 10 to focus the comparison before making a shortlist. ### Ranked small business Payment Processing products | Rank | Product | Overall rating | Category rating | Key attribute | Starting price | Key features | | --- | --- | --- | --- | --- | --- | --- | | 1 | [ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/) | 4.9 out of 5 (258 reviews) | 4.9 out of 5 (185 category reviews) | Highly rated for Ease of Use | $25.00 Per Feature, Per Month | Included: ACH Payment Processing, Billing & Invoicing, Debit/Credit Card Processing, Mobile Payments, Multiple Payment Options, Payment Fraud Prevention, Reporting/Analytics, Transaction Monitoring; Not included: In-Person Payments | | 2 | [Nomod](https://www.capterra.com/p/176749/Nomod/) | 4.8 out of 5 (367 reviews) | 4.8 out of 5 (265 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Billing & Invoicing, Debit/Credit Card Processing, In-Person Payments, Mobile Payments, Multiple Payment Options, Payment Fraud Prevention, Reporting/Analytics, Transaction Monitoring; Not included: ACH Payment Processing | | 3 | [WeTravel](https://www.capterra.com/p/163474/WeTravel/) | 4.8 out of 5 (529 reviews) | 4.7 out of 5 (295 category reviews) | Highly rated for Quality of Support | $79.00 Per Month | Included: ACH Payment Processing, Billing & Invoicing, Debit/Credit Card Processing, Mobile Payments, Multiple Payment Options, Payment Fraud Prevention, Reporting/Analytics, Transaction Monitoring; Not included: In-Person Payments | | 4 | [Venmo](https://www.capterra.com/p/222572/Venmo-/) | 4.7 out of 5 (9,309 reviews) | 4.7 out of 5 (2,264 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: ACH Payment Processing, Debit/Credit Card Processing, In-Person Payments, Mobile Payments, Multiple Payment Options, Reporting/Analytics; Not included: Billing & Invoicing, Payment Fraud Prevention, Transaction Monitoring | | 5 | [Mercado Pago](https://www.capterra.com/p/250909/Mercado-Pago/) | 4.7 out of 5 (118 reviews) | 4.7 out of 5 (117 category reviews) | Highly rated for Ease of Setup | Contact vendor | Included: Debit/Credit Card Processing, Mobile Payments, Reporting/Analytics; Not included: ACH Payment Processing, Billing & Invoicing, In-Person Payments, Multiple Payment Options, Payment Fraud Prevention, Transaction Monitoring | | 6 | [HoneyBook](https://www.capterra.com/p/162588/HoneyBook/) | 4.7 out of 5 (695 reviews) | 4.7 out of 5 (121 category reviews) | Highly rated for Value for Money | $36.00 Flat Rate, Per Month | Included: ACH Payment Processing, Billing & Invoicing, Debit/Credit Card Processing, In-Person Payments, Mobile Payments, Reporting/Analytics; Not included: Multiple Payment Options, Payment Fraud Prevention, Transaction Monitoring | | 7 | [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) | 4.7 out of 5 (2,719 reviews) | 4.6 out of 5 (996 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: ACH Payment Processing, Billing & Invoicing, Debit/Credit Card Processing, In-Person Payments, Mobile Payments, Multiple Payment Options, Payment Fraud Prevention, Reporting/Analytics; Not included: Transaction Monitoring | | 8 | [GCPay](https://www.capterra.com/p/182990/GCPAY/) | 4.7 out of 5 (484 reviews) | 4.7 out of 5 (140 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: ACH Payment Processing, Billing & Invoicing, Multiple Payment Options, Reporting/Analytics; Not included: Debit/Credit Card Processing, In-Person Payments, Mobile Payments, Payment Fraud Prevention, Transaction Monitoring | | 9 | [PaySimple](https://www.capterra.com/p/146664/PaySimple/) | 4.5 out of 5 (298 reviews) | 4.6 out of 5 (126 category reviews) | Highly rated for Ease of Setup | $69.95 Flat Rate, Per Month | Included: ACH Payment Processing, Billing & Invoicing, Debit/Credit Card Processing, In-Person Payments, Mobile Payments, Reporting/Analytics; Not included: Multiple Payment Options, Payment Fraud Prevention, Transaction Monitoring | | 10 | [Amazon Pay](https://www.capterra.com/p/247554/Amazon-Pay/) | 4.6 out of 5 (153 reviews) | 4.6 out of 5 (123 category reviews) | Highly rated for Ease of Setup | Contact vendor | Included: Debit/Credit Card Processing, Mobile Payments, Multiple Payment Options, Payment Fraud Prevention, Reporting/Analytics; Not included: ACH Payment Processing, Billing & Invoicing, In-Person Payments, Transaction Monitoring | Category rating: Rating from reviewers who used each product as Payment Processing software, with the number of those reviews. Products are ranked by this rating, adjusted for how many reviews support it. For the complete directory, see [the full product list](#full-product-list). --- ## See top 10 product details ### 1. [ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/) Overall rating: 4.9 out of 5 (258 reviews) Category rating: 4.9 out of 5 (185 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $25.00 Per Feature, Per Month Free trial: Available Free version: Available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Included - Debit/Credit Card Processing: Included - In-Person Payments: Not included - Mobile Payments: Included - Multiple Payment Options: Included - Payment Fraud Prevention: Included - Reporting/Analytics: Included - Transaction Monitoring: Included #### Pros based on reviews - Effortless and intuitive usability - Responsive and helpful support team #### Cons based on reviews - High transaction and service fees --- ### 2. [Nomod](https://www.capterra.com/p/176749/Nomod/) Overall rating: 4.8 out of 5 (367 reviews) Category rating: 4.8 out of 5 (265 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Not available #### Features reviewers most value - ACH Payment Processing: Not included - Billing & Invoicing: Included - Debit/Credit Card Processing: Included - In-Person Payments: Included - Mobile Payments: Included - Multiple Payment Options: Included - Payment Fraud Prevention: Included - Reporting/Analytics: Included - Transaction Monitoring: Included --- ### 3. [WeTravel](https://www.capterra.com/p/163474/WeTravel/) Overall rating: 4.8 out of 5 (529 reviews) Category rating: 4.7 out of 5 (295 category reviews) Key attribute: Highly rated for Quality of Support Starting price: $79.00 Per Month Free trial: Available Free version: Available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Included - Debit/Credit Card Processing: Included - In-Person Payments: Not included - Mobile Payments: Included - Multiple Payment Options: Included - Payment Fraud Prevention: Included - Reporting/Analytics: Included - Transaction Monitoring: Included --- ### 4. [Venmo](https://www.capterra.com/p/222572/Venmo-/) Overall rating: 4.7 out of 5 (9,309 reviews) Category rating: 4.7 out of 5 (2,264 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Not included - Debit/Credit Card Processing: Included - In-Person Payments: Included - Mobile Payments: Included - Multiple Payment Options: Included - Payment Fraud Prevention: Not included - Reporting/Analytics: Included - Transaction Monitoring: Not included #### Pros based on reviews - Intuitive and quick interface - Simple transfers for families #### Cons based on reviews - Fees and card limitations - Default public transaction visibility --- ### 5. [Mercado Pago](https://www.capterra.com/p/250909/Mercado-Pago/) Overall rating: 4.7 out of 5 (118 reviews) Category rating: 4.7 out of 5 (117 category reviews) Key attribute: Highly rated for Ease of Setup Starting price: Contact vendor Free trial: Not available Free version: Not available #### Features reviewers most value - ACH Payment Processing: Not included - Billing & Invoicing: Not included - Debit/Credit Card Processing: Included - In-Person Payments: Not included - Mobile Payments: Included - Multiple Payment Options: Not included - Payment Fraud Prevention: Not included - Reporting/Analytics: Included - Transaction Monitoring: Not included --- ### 6. [HoneyBook](https://www.capterra.com/p/162588/HoneyBook/) Overall rating: 4.7 out of 5 (695 reviews) Category rating: 4.7 out of 5 (121 category reviews) Key attribute: Highly rated for Value for Money Starting price: $36.00 Flat Rate, Per Month Free trial: Available Free version: Not available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Included - Debit/Credit Card Processing: Included - In-Person Payments: Included - Mobile Payments: Included - Multiple Payment Options: Not included - Payment Fraud Prevention: Not included - Reporting/Analytics: Included - Transaction Monitoring: Not included #### Pros based on reviews - Customizable and automated workflows - Comprehensive business organization tool #### Cons based on reviews - Inconsistent and limited email features - Slow and restrictive payment processing --- ### 7. [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Overall rating: 4.7 out of 5 (2,719 reviews) Category rating: 4.6 out of 5 (996 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Included - Debit/Credit Card Processing: Included - In-Person Payments: Included - Mobile Payments: Included - Multiple Payment Options: Included - Payment Fraud Prevention: Included - Reporting/Analytics: Included - Transaction Monitoring: Not included #### Pros based on reviews - Intuitive and simple operation - Flexible event payment solutions #### Cons based on reviews - High transaction fee concerns - Occasional technical disruptions --- ### 8. [GCPay](https://www.capterra.com/p/182990/GCPAY/) Overall rating: 4.7 out of 5 (484 reviews) Category rating: 4.7 out of 5 (140 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Not available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Included - Debit/Credit Card Processing: Not included - In-Person Payments: Not included - Mobile Payments: Not included - Multiple Payment Options: Included - Payment Fraud Prevention: Not included - Reporting/Analytics: Included - Transaction Monitoring: Not included --- ### 9. [PaySimple](https://www.capterra.com/p/146664/PaySimple/) Overall rating: 4.5 out of 5 (298 reviews) Category rating: 4.6 out of 5 (126 category reviews) Key attribute: Highly rated for Ease of Setup Starting price: $69.95 Flat Rate, Per Month Free trial: Available Free version: Not available #### Features reviewers most value - ACH Payment Processing: Included - Billing & Invoicing: Included - Debit/Credit Card Processing: Included - In-Person Payments: Included - Mobile Payments: Included - Multiple Payment Options: Not included - Payment Fraud Prevention: Not included - Reporting/Analytics: Included - Transaction Monitoring: Not included --- ### 10. [Amazon Pay](https://www.capterra.com/p/247554/Amazon-Pay/) Overall rating: 4.6 out of 5 (153 reviews) Category rating: 4.6 out of 5 (123 category reviews) Key attribute: Highly rated for Ease of Setup Starting price: Contact vendor Free trial: Not available Free version: Not available #### Features reviewers most value - ACH Payment Processing: Not included - Billing & Invoicing: Not included - Debit/Credit Card Processing: Included - In-Person Payments: Not included - Mobile Payments: Included - Multiple Payment Options: Included - Payment Fraud Prevention: Included - Reporting/Analytics: Included - Transaction Monitoring: Not included --- ## All payment processing software for small businesses [4.2 (407)](https://www.capterra.com/p/184673/Melio/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/#shortlist) 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/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.5 (337)](https://www.capterra.com/p/131733/PayStand/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/#shortlist) Agentic B2B payment network with automated invoicing, payment links, and one checkout for card, ACH, and zero fees. [Learn more about Paystand](https://www.capterra.com/p/131733/PayStand/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.3 (245)](https://www.capterra.com/p/225025/Plooto/reviews/) Ideal for SMBs and accountants, Plooto is the fastest way to manage business payments, AP & AR process & receive credit card payments. [Learn more about Plooto](https://www.capterra.com/p/225025/Plooto/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring 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. [3.8 (733)](https://www.capterra.com/p/152638/Epos-Now/reviews/) 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/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring 0.0 (0) Global PAYplus is an ISO 20022-native, multi-rail payment hub enabling financial institutions to centrally process and manage payments. [Learn more about Finastra Global PAYplus](https://www.capterra.com/p/10035916/Finastra-Global-PAYplus/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.3 (122)](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/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.4 (51)](https://www.capterra.com/p/135930/EBizCharge/reviews/) EBizCharge is the leading embedded payments application for businesses to accept payments in their ERP, CRM, or eCommerce system.  [Learn more about EBizCharge](https://www.capterra.com/p/135930/EBizCharge/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.2 (149)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) 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/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.8 (8)](https://www.capterra.com/p/10021666/GoDaddy-Commerce/#reviews) Get paid fast with the lowest fees in the industry. Accept payments online, in-person, or on the go — all from one simple dashboard. [Learn more about GoDaddy Payments](https://www.capterra.com/p/10021666/GoDaddy-Commerce/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring [4.7 (35)](https://www.capterra.com/p/177326/360-Payments/reviews/) [Capterra Shortlist](https://www.capterra.com/payment-processing-software/#shortlist) 360 Payments simplifies transactions with integrated payments, text-to-pay, financing, and mobile solutions for businesses. [Learn more about 360 Payments](https://www.capterra.com/p/177326/360-Payments/) Payment Processing features reviewers most value ACH Payment Processing Billing & Invoicing Debit/Credit Card Processing In-Person Payments Mobile Payments Multiple Payment Options Payment Fraud Prevention Reporting/Analytics Transaction Monitoring ## 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. Filter (685) Products: Sort By: Featured Partners * * * 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 Related Software Category: [Point of Sale Software](https://www.capterra.com/point-of-sale-software/)[Retail Management Systems Software](https://www.capterra.com/retail-management-systems-software/)[Pricing Optimization Software](https://www.capterra.com/pricing-optimization-software/)[Retail POS System Software](https://www.capterra.com/retail-pos-system-software/)[Store Locator Software](https://www.capterra.com/store-locator-software/)[Retail Execution Software](https://www.capterra.com/retail-execution-software/) I'm looking for Payment Processing Software that is: [Free](https://www.capterra.com/payment-processing-software/s/free/)[Web-Based](https://www.capterra.com/payment-processing-software/s/web-based/) How to choose the right Payment Processing Software? [Read our Buyer's Guide](https://www.capterra.com/payment-processing-software/#buyers-guide-content)