# 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

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# Best Payment Processing Software

Last updated on April 29, 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

## 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 April 29, 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)

[4.9 (57)](https://www.capterra.com/p/10035709/Mercury/#reviews)

Mercury is a banking platform that gives entrepreneurs one product to accomplish everything they want with their money. [Learn more about Mercury](https://www.capterra.com/p/10035709/Mercury/)

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

[3.8 (716)](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

[4.5 (226)](https://www.capterra.com/p/172589/Jackrabbit-Swim/reviews/)

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/)

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.

[4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

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/)

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 (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/)

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)

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/)

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

[4.6 (369)](https://www.capterra.com/p/172591/Jackrabbit-Gymnastics/reviews/)

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/)

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 (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/)

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 (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/)

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 (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/)

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

[4.6 (743)](https://www.capterra.com/p/93349/Jackrabbit-Dance/reviews/)

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/)

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

[4.6 (3330)](https://www.capterra.com/p/123889/Stripe/reviews/)

[Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/)

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/)

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

81% recommend this product

[4.1 (126)](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

[4.5 (106)](https://www.capterra.com/p/231293/Zoho-Subscriptions/reviews/)

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/)

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

80% recommend this product

[4.9 (247)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

[Capterra Shortlist](https://www.capterra.com/payment-processing-software/shortlist/)

Faster, Easier, Integrated Insurance Payment Services [Learn more about ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)

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

95% 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/)

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

[4.6 (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/)

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 (401)](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 (1470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

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/)

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

[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/)

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

[4.9 (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/)

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)

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/)

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 (524)](https://www.capterra.com/p/163474/WeTravel/reviews/)

WeTravel offers payment processing solutions specifically designed for travel businesses and tour operators.  [Learn more about WeTravel](https://www.capterra.com/p/163474/WeTravel/)

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

94% recommend this product

[4.5 (1135)](https://www.capterra.com/p/148516/Marketing-360/reviews/)

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/)

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

82% recommend this product

Page 1 of 34

## 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 (849) Products:

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85% of professionals opt for a 30-day trial before the software purchase

Other subsciption plans:

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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:

[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).
    

## 2026 Capterra Shortlist for Payment Processing

### Get to a better list with verified ratings & reviews

Capterra Shortlist charts the highest-rated and most popular software products. Explore, save your progress, and share with colleagues. Want to learn more? [Read full scoring methodology](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology)

[

](https://www.capterra.com/p/123889/Stripe/)

## [Stripe](https://www.capterra.com/p/123889/Stripe/)

[

4.6 (3,330)](https://www.capterra.com/p/123889/Stripe/reviews/)[View all reviews](https://www.capterra.com/p/123889/Stripe/reviews/)

[Visit Website](https://www.capterra.com/ppc/clicks/collect/CA/directory/810df55d-b1c1-434d-adbd-a6d200b6c8b9/destination?country=US&language=en&specificLocation=sem-shortlist-tp-upgraded-visit-website-button&sessionStartPage=aHR0cHM6Ly9ieC1jYXB0ZXJyYS1tb3o3dnd5NjctZzJkbS52ZXJjZWwuYXBwL3BheW1lbnQtcHJvY2Vzc2luZy1zb2Z0d2FyZS8%3D&categoryId=ec069bb0-d3cc-4abd-a0f5-8e1c3b45f6f5&listingPosition=1)Add to compare

Stripe offers payment processing APIs for online commerce, helping businesses accept payments and expand with AI features.

Overall Score

92/100

Popularity49/50

Rating43/50

Review Breakdown

Ease of Use

4.5

Customer Service

4.2

Features

4.5

Value for Money

4.3

Paid plans start at

Not provided by the vendor

Category features

12/16

Pros and Cons

Temiloluwa E

Health, Wellness and Fitness, Self-employedUsed the software for: 1-2 years.

“It is a reliable, all-in-one ecosystem that has allowed me to scale my business from a simple mobile reader to a full retail setup.“

April 6, 2026

Ashish T

Marketing and Advertising, 2 - 10 employeesUsed the software for: 6-12 months.

“My experience has been disappointing. While the platform works well initially, the risk management and compliance process can result in sudden account closures and prolonged fund holds.“

April 14, 2026

[Read all 3,330 reviews→](https://www.capterra.com/p/123889/Stripe/reviews/)

[

](https://www.capterra.com/p/170278/Square-Payments-Processing/)

## [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)

[

4.7 (2,679)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)[View all reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

[View Profile](https://www.capterra.com/p/170278/Square-Payments-Processing/)Add to compare

Square Payments is payment processing software that enables businesses to accept payments online, in person, or on the go.

Overall Score

91/100

Popularity44/50

Rating47/50

Review Breakdown

Ease of Use

4.7

Customer Service

4.4

Features

4.6

Value for Money

4.5

Paid plans start at

Not provided by the vendor

Category features

11/16

Pros and Cons

MW

Melinda W

Arts and Crafts, Self-employedUsed the software for: 1-2 years.

“The setup process was quick, and the tools for tracking sales and managing my business are very helpful. While the fees and occasional delays in deposits can be a downside, the convenience, flexibility, and professional features make it a great option for small business owners“

April 12, 2026

MW

Melinda W

Arts and Crafts, Self-employedUsed the software for: 1-2 years.

“I also noticed that transfers to my bank account can sometimes take longer than expected unless I pay an extra fee for instant deposits.“

April 12, 2026

[Read all 2,679 reviews→](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

[

](https://www.capterra.com/p/212826/Google-Pay/)

## [Google Pay](https://www.capterra.com/p/212826/Google-Pay/)

[

4.6 (913)](https://www.capterra.com/p/212826/Google-Pay/reviews/)[View all reviews](https://www.capterra.com/p/212826/Google-Pay/reviews/)

[View Profile](https://www.capterra.com/p/212826/Google-Pay/)Add to compare

Cloud-based secure digital wallet application designed for processing payments, track sales, share offers, and more

Overall Score

90/100

Popularity45/50

Rating45/50

Review Breakdown

Ease of Use

4.6

Customer Service

4.2

Features

4.5

Value for Money

4.6

Paid plans start at

Not provided by the vendor

Category features

3/16

Pros and Cons

Mack B

Entertainment, Self-employedUsed the software for: More than 2 years.

“Overall, my experience with Google Pay has been largely positive, and I liked how well it integrated across all my devices, its speed, level of convenience, and organized wallet.“

April 6, 2026

Temiloluwa E

Health, Wellness and Fitness, Self-employedUsed the software for: 6-12 months.

“Also, I have noticed that once in a while it wont trigger the NFC reader on the first try, so I have to lock and unlock my phone to get it to wake up.“

April 21, 2026

[Read all 913 reviews→](https://www.capterra.com/p/212826/Google-Pay/reviews/)

[

](https://www.capterra.com/p/198072/ePayPolicy/)

## [ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)

[

4.9 (247)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)[View all reviews](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

[Visit Website](https://www.capterra.com/ppc/clicks/collect/CA/directory/473ecca4-1ec5-4d7f-a0ce-a8f12ac8c511/destination?country=US&language=en&specificLocation=sem-shortlist-tp-upgraded-visit-website-button&sessionStartPage=aHR0cHM6Ly9ieC1jYXB0ZXJyYS1tb3o3dnd5NjctZzJkbS52ZXJjZWwuYXBwL3BheW1lbnQtcHJvY2Vzc2luZy1zb2Z0d2FyZS8%3D&categoryId=ec069bb0-d3cc-4abd-a0f5-8e1c3b45f6f5&listingPosition=4)Add to compare

Faster, Easier, Integrated Insurance Payment Services

Overall Score

85/100

Popularity36/50

Rating49/50

Review Breakdown

Ease of Use

4.9

Customer Service

4.8

Features

4.8

Value for Money

4.8

Paid plans start at

$25.00Per Feature, Per Month

Free Trial

Free Version

Category features

11/16

Pros and Cons

PG

Paul E G

Insurance, Self-employedUsed the software for: More than 2 years.

“What I like most is I can invoice the customer and give them an option to pay EFT or credit card with a 3.5 fee. Or EFT with a $5.00 charge. If the customer doesn't replay I have the capacity to send them another invoice.“

September 10, 2025

MB

Mark B

Insurance, Self-employedUsed the software for: 1-2 years.

“Also the other Major dislike about using ePayPolicy is it has a $10,000 transaction limit, whereas Anddone has no limit and their fee's are lower.“

September 10, 2025

[Read all 247 reviews→](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

[

](https://www.capterra.com/p/247554/Amazon-Pay/)

## [Amazon Pay](https://www.capterra.com/p/247554/Amazon-Pay/)

[

4.6 (152)](https://www.capterra.com/p/247554/Amazon-Pay/reviews/)[View all reviews](https://www.capterra.com/p/247554/Amazon-Pay/reviews/)

[View Profile](https://www.capterra.com/p/247554/Amazon-Pay/)Add to compare

Amazon Pay leverages the security and trust of Amazon to optimize checkout. Simplify checkout, increase sales. Sign Up for Amazon Pay.

Overall Score

84/100

Popularity37/50

Rating47/50

Review Breakdown

Ease of Use

4.5

Customer Service

4.4

Features

4.5

Value for Money

4.5

Paid plans start at

Not provided by the vendor

Category features

6/16

Pros and Cons

Ambrecia M

Retail, 201 - 500 employeesUsed the software for: More than 2 years.

“Overall, you can choose to from any option and they save your information so next time you purchase off of Amazon you don't have to manually input your info from the card you using.“

December 22, 2025

MW

Mateja W

Computer Software, 501 - 1,000 employeesUsed the software for: 6-12 months.

“It does not offer as many customization options for payment flows as some specialized payment gateways, which could limit flexibility for certain businesses.“

February 27, 2025

[Read all 152 reviews→](https://www.capterra.com/p/247554/Amazon-Pay/reviews/)

[

](https://www.capterra.com/p/276323/Cheddar-Up/)

## [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/)

[

4.9 (84)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/)[View all reviews](https://www.capterra.com/p/276323/Cheddar-Up/reviews/)

[View Profile](https://www.capterra.com/p/276323/Cheddar-Up/)Add to compare

Cheddar Up makes it easy for group organizers to collect payments and create custom forms online – for free.

Overall Score

82/100

Popularity34/50

Rating48/50

Review Breakdown

Ease of Use

4.9

Customer Service

4.9

Features

4.8

Value for Money

4.9

Paid plans start at

Not provided by the vendor

Category features

12/16

Pros and Cons

JA

Jennifer A

Non-Profit Organization Management, 2 - 10 employeesUsed the software for: More than 2 years.

“I've never had a problem with them and anytime I've had questions I've been able to call customer service and they've been able to help and walk me through anything I have questions on.“

November 29, 2025

MR

Meredith R

Health, Wellness and Fitness, Self-employedUsed the software for: Less than 6 months.

“It was a little challenging to find the correct links to share via text or on social media.“

April 6, 2026

[Read all 84 reviews→](https://www.capterra.com/p/276323/Cheddar-Up/reviews/)

[

](https://www.capterra.com/p/176749/Nomod/)

## [Nomod](https://www.capterra.com/p/176749/Nomod/)

[

4.8 (335)](https://www.capterra.com/p/176749/Nomod/reviews/)[View all reviews](https://www.capterra.com/p/176749/Nomod/reviews/)

[View Profile](https://www.capterra.com/p/176749/Nomod/)Add to compare

Accept card payments via payment links or in-person using only your phone. Forget the many hassles of cash or transfers!

Overall Score

80/100

Popularity30/50

Rating50/50

Review Breakdown

Ease of Use

4.8

Customer Service

4.7

Features

4.6

Value for Money

4.6

Paid plans start at

$1.00Usage Based, One Time

Free Trial

Free Version

Category features

10/16

Pros and Cons

MM

Mohammed M

Utilities, 11 - 50 employeesUsed the software for: Less than 6 months.

“No Hardware Required & Ease of Use: Users love that they can turn their smartphone into a POS terminal to accept contactless payments, avoiding the need for clunky, traditional card machines.“

January 27, 2026

AJ

Aman J

Graphic Design, 11 - 50 employeesUsed the software for: Less than 6 months.

“The only drawback that I find with Nomod is that they don’t have any test environments or sandbox environments for us to test charges and you know replicate payments, apart from that the web dashboard does not have a lot of features to.“

October 14, 2025

[Read all 335 reviews→](https://www.capterra.com/p/176749/Nomod/reviews/)

[

](https://www.capterra.com/p/164285/Podium/)

## [Podium](https://www.capterra.com/p/164285/Podium/)

[

4.3 (522)](https://www.capterra.com/p/164285/Podium/reviews/)[View all reviews](https://www.capterra.com/p/164285/Podium/reviews/)

[View Profile](https://www.capterra.com/p/164285/Podium/)Add to compare

Podium Payments simplifies the payment experience–for you and your customers. Accept every payment method and keep payments secure.

Overall Score

78/100

Popularity37/50

Rating41/50

Review Breakdown

Ease of Use

4.3

Customer Service

4.0

Features

4.2

Value for Money

3.9

Paid plans start at

Not provided by the vendor

Category features

11/16

Pros and Cons

JA

Jhovanny A

Law Practice, 11 - 50 employeesUsed the software for: 1-2 years.

“What i liked most about Podium was the all in one communication found in the application. Whether it was direct messages, attachment requirements, easily accessible and editable contact information and automatic formulas for messaging: all was found in Podium.“

December 21, 2025

JL

Jessica L

Construction, 11 - 50 employeesUsed the software for: 1-2 years.

“The typed transcripts are not always accurate.“

February 18, 2026

[Read all 522 reviews→](https://www.capterra.com/p/164285/Podium/reviews/)

[

](https://www.capterra.com/p/221412/authorizenet/)

## [authorize.net](https://www.capterra.com/p/221412/authorizenet/)

[

4.5 (218)](https://www.capterra.com/p/221412/authorizenet/reviews/)[View all reviews](https://www.capterra.com/p/221412/authorizenet/reviews/)

[View Profile](https://www.capterra.com/p/221412/authorizenet/)Add to compare

Payment processing solution that helps businesses to accept multiple payment methods, including credit and debit cards, among others.

Overall Score

78/100

Popularity32/50

Rating46/50

Review Breakdown

Ease of Use

4.3

Customer Service

4.3

Features

4.4

Value for Money

4.4

Paid plans start at

$25.00Usage Based, Per Month

Free Trial

Free Version

Category features

9/16

Pros and Cons

DS

Dru S

Management Consulting, 2 - 10 employeesUsed the software for: 6-12 months.

“Overall the experience is the system is not only cost effective but has greatly helped with money transfers and being able to account for them.“

November 29, 2025

JP

John P

Transportation/Trucking/Railroad, 11 - 50 employeesUsed the software for: More than 2 years.

“The user interface is so outdated, and it is impossible to navigate through the backend settings with the required number of clicks.“

January 15, 2026

[Read all 218 reviews→](https://www.capterra.com/p/221412/authorizenet/reviews/)

Need a Little Help?

Talk with a software expert for free. Get a list of software that’s great for you in less than 15 minutes.

[

](https://www.capterra.com/p/184673/Melio/)

## [Melio](https://www.capterra.com/p/184673/Melio/)

[

4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/)[View all reviews](https://www.capterra.com/p/184673/Melio/reviews/)

[Visit Website](https://www.capterra.com/ppc/clicks/collect/CA/directory/9d60a42e-9eee-4f48-b3e2-aa1c00a3f23f/destination?country=US&language=en&specificLocation=sem-shortlist-tp-upgraded-visit-website-button&sessionStartPage=aHR0cHM6Ly9ieC1jYXB0ZXJyYS1tb3o3dnd5NjctZzJkbS52ZXJjZWwuYXBwL3BheW1lbnQtcHJvY2Vzc2luZy1zb2Z0d2FyZS8%3D&categoryId=ec069bb0-d3cc-4abd-a0f5-8e1c3b45f6f5&listingPosition=10)Add to compare

Manage business payments effortlessly with Melio. Pay vendors via bank transfers or cards, even where cards aren’t accepted.

Overall Score

77/100

Popularity34/50

Rating43/50

Review Breakdown

Ease of Use

4.3

Customer Service

4.0

Features

4.1

Value for Money

4.3

Paid plans start at

$25.00Per User, Per Month

Free Trial

Free Version

Category features

9/16

Pros and Cons

LC

Lin C

Consumer Goods, 2 - 10 employeesUsed the software for: More than 2 years.

“We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable.“

January 5, 2026

BK

Bridgette K

Retail, 2 - 10 employeesUsed the software for: 6-12 months.

“I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal review.“

November 10, 2025

[Read all 401 reviews→](https://www.capterra.com/p/184673/Melio/reviews/)

[

](https://www.capterra.com/p/200202/Finix/)

## [Finix](https://www.capterra.com/p/200202/Finix/)

[

4.7 (42)](https://www.capterra.com/p/200202/Finix/reviews/)[View all reviews](https://www.capterra.com/p/200202/Finix/reviews/)

[View Profile](https://www.capterra.com/p/200202/Finix/)Add to compare

Cloud-based payment processor tool that helps businesses of all sizes across multiple industries accept and send payments.

Overall Score

75/100

Popularity29/50

Rating46/50

Review Breakdown

Ease of Use

4.7

Customer Service

4.8

Features

4.6

Value for Money

4.8

Paid plans start at

Not provided by the vendor

Category features

12/16

Pros and Cons

HL

Harrison L

Information Technology and Services, 11 - 50 employeesUsed the software for: 1-2 years.

“The UI of the dashboard, was easy to use. And the salesperson's ability to sell us the product quickly.“

June 2, 2025

[Read all 42 reviews→](https://www.capterra.com/p/200202/Finix/reviews/)

[

](https://www.capterra.com/p/131733/PayStand/)

## [Paystand](https://www.capterra.com/p/131733/PayStand/)

[

4.3 (78)](https://www.capterra.com/p/131733/PayStand/reviews/)[View all reviews](https://www.capterra.com/p/131733/PayStand/reviews/)

[Visit Website](https://www.capterra.com/ppc/clicks/collect/CA/directory/464916d4-c40a-4d1f-afdb-a6d200b5a51b/destination?country=US&language=en&specificLocation=sem-shortlist-tp-upgraded-visit-website-button&sessionStartPage=aHR0cHM6Ly9ieC1jYXB0ZXJyYS1tb3o3dnd5NjctZzJkbS52ZXJjZWwuYXBwL3BheW1lbnQtcHJvY2Vzc2luZy1zb2Z0d2FyZS8%3D&categoryId=ec069bb0-d3cc-4abd-a0f5-8e1c3b45f6f5&listingPosition=12)Add to compare

Speed up payments with zero fees on Paystand’s processing platform.

Overall Score

73/100

Popularity27/50

Rating46/50

Review Breakdown

Ease of Use

4.3

Customer Service

4.2

Features

4.2

Value for Money

4.3

Paid plans start at

Not provided by the vendor

Category features

12/16

Pros and Cons

MO

Martins O

Financial Services, 201 - 500 employeesUsed the software for: 1-2 years.

“Efficient payment processing, automated invoicing, and real-time cash flow tracking made managing finances straightforward.“

February 22, 2025

LP

Lucas P

Automotive, 11 - 50 employeesUsed the software for: Less than 6 months.

“The fixed cost to access the platform is higher than the competitors, also the time to clear the ACH charges takes 7 business days sometimes and impacts directly our cashflow.“

June 22, 2023

[Read all 78 reviews→](https://www.capterra.com/p/131733/PayStand/reviews/)

[

](https://www.capterra.com/p/177326/360-Payments/)

## [360 Payments](https://www.capterra.com/p/177326/360-Payments/)

[

4.7 (35)](https://www.capterra.com/p/177326/360-Payments/reviews/)[View all reviews](https://www.capterra.com/p/177326/360-Payments/reviews/)

[Visit Website](https://www.capterra.com/ppc/clicks/collect/CA/directory/e59370b0-4f8f-46e7-b594-a92000324039/destination?country=US&language=en&specificLocation=sem-shortlist-tp-upgraded-visit-website-button&sessionStartPage=aHR0cHM6Ly9ieC1jYXB0ZXJyYS1tb3o3dnd5NjctZzJkbS52ZXJjZWwuYXBwL3BheW1lbnQtcHJvY2Vzc2luZy1zb2Z0d2FyZS8%3D&categoryId=ec069bb0-d3cc-4abd-a0f5-8e1c3b45f6f5&listingPosition=13)Add to compare

360 Payments simplifies transactions with integrated payments, text-to-pay, financing, and mobile solutions for businesses.

Overall Score

72/100

Popularity25/50

Rating47/50

Review Breakdown

Ease of Use

4.7

Customer Service

4.6

Features

4.7

Value for Money

4.5

Paid plans start at

Not provided by the vendor

Category features

12/16

Pros and Cons

Ryan P

Arts and Crafts, 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

Construction, 51 - 200 employeesUsed the software for: 6-12 months.

“Lack of integration with other software. “

October 10, 2025

[Read all 35 reviews→](https://www.capterra.com/p/177326/360-Payments/reviews/)

[

](https://www.capterra.com/p/156081/GoCardless/)

## [GoCardless](https://www.capterra.com/p/156081/GoCardless/)

[

4.0 (86)](https://www.capterra.com/p/156081/GoCardless/reviews/)[View all reviews](https://www.capterra.com/p/156081/GoCardless/reviews/)

[View Profile](https://www.capterra.com/p/156081/GoCardless/)Add to compare

We make it easier to collect recurring payments from customers around the world into a single bank account. With no hidden fees.

Overall Score

72/100

Popularity28/50

Rating44/50

Review Breakdown

Ease of Use

4.0

Customer Service

3.4

Features

4.0

Value for Money

3.8

Paid plans start at

Not provided by the vendor

Category features

5/16

Pros and Cons

EB

Emma B

Non-Profit Organization Management, 51 - 200 employeesUsed the software for: More than 2 years.

“My overall experience with GoCardless is a positive one, it is a useful platform that integrates with our systems and allows for the smooth day-to-day running of our organisation.“

March 9, 2026

Edward K

Computer Software, Self-employedUsed the software for: More than 2 years.

“This makes development, testing and debugging tiresome.“

October 30, 2025

[Read all 86 reviews→](https://www.capterra.com/p/156081/GoCardless/reviews/)

[

](https://www.capterra.com/p/10011903/Caxton/)

## [Caxton](https://www.capterra.com/p/10011903/Caxton/)

[

4.6 (21)](https://www.capterra.com/p/10011903/Caxton/reviews/)[View all reviews](https://www.capterra.com/p/10011903/Caxton/reviews/)

[View Profile](https://www.capterra.com/p/10011903/Caxton/)Add to compare

Faster payments, better cash flow, more control with a multipoint payment solution that embeds payment functionality into your system.

Overall Score

71/100

Popularity25/50

Rating46/50

Review Breakdown

Ease of Use

4.4

Customer Service

4.5

Features

4.5

Value for Money

4.8

Paid plans start at

Not provided by the vendor

Category features

8/16

Pros and Cons

Prince Kumar S

Accounting, 11 - 50 employeesUsed the software for: I used a free trial.

“The app is easy to navigate, and the card is widely accepted worldwide.“

September 30, 2024

[Read all 21 reviews→](https://www.capterra.com/p/10011903/Caxton/reviews/)

[

](https://www.capterra.com/p/131433/Chargebee/)

## [Chargebee](https://www.capterra.com/p/131433/Chargebee/)

[

4.2 (104)](https://www.capterra.com/p/131433/Chargebee/reviews/)[View all reviews](https://www.capterra.com/p/131433/Chargebee/reviews/)

[Visit Website](https://www.capterra.com/ppc/clicks/collect/CA/directory/cbfa1ace-cc46-472c-b197-a6d200b3246d/destination?country=US&language=en&specificLocation=sem-shortlist-tp-upgraded-visit-website-button&sessionStartPage=aHR0cHM6Ly9ieC1jYXB0ZXJyYS1tb3o3dnd5NjctZzJkbS52ZXJjZWwuYXBwL3BheW1lbnQtcHJvY2Vzc2luZy1zb2Z0d2FyZS8%3D&categoryId=ec069bb0-d3cc-4abd-a0f5-8e1c3b45f6f5&listingPosition=16)Add to compare

Chargebee is a revenue growth management platform tailored to meet your unique business needs & improve operational efficiency.

Overall Score

71/100

Popularity29/50

Rating42/50

Review Breakdown

Ease of Use

4.2

Customer Service

3.9

Features

4.2

Value for Money

4.0

Paid plans start at

$7188.00Flat Rate, Per Month

Free Trial

Free Version

Category features

10/16

Pros and Cons

NB

Narinder B

Accounting, 51 - 200 employeesUsed the software for: 1-2 years.

“I like that Chargebee automatically handles the billing and payment retries, as well as the communication with customers about upcoming payments.“

March 27, 2026

Julien G

Staffing and Recruiting, 201 - 500 employeesUsed the software for: More than 2 years.

“Lack of full customization (especially regarding Webhook behavior) and the tool’s black-box nature sometimes limits control over processes.“

October 27, 2025

[Read all 104 reviews→](https://www.capterra.com/p/131433/Chargebee/reviews/)

[

](https://www.capterra.com/p/197761/Coinbase-Commerce/)

## [Coinbase Commerce](https://www.capterra.com/p/197761/Coinbase-Commerce/)

[

4.4 (122)](https://www.capterra.com/p/197761/Coinbase-Commerce/reviews/)[View all reviews](https://www.capterra.com/p/197761/Coinbase-Commerce/reviews/)

[View Profile](https://www.capterra.com/p/197761/Coinbase-Commerce/)Add to compare

Coinbase Commerce is software enabling merchants to accept cryptocurrency payments like Bitcoin, Ethereum, and Litecoin.

Overall Score

71/100

Popularity26/50

Rating45/50

Review Breakdown

Ease of Use

4.5

Customer Service

3.8

Features

4.3

Value for Money

4.2

Paid plans start at

Not provided by the vendor

Category features

5/16

Pros and Cons

MT

Michaela T

Apparel & Fashion, 2 - 10 employeesUsed the software for: Less than 6 months.

“Accessibility is a big deal for our business, and Coinbase provides that.“

May 30, 2024

MC

Mihaly C

Construction, 51 - 200 employeesUsed the software for: 6-12 months.

“I didn't like the way in. that the KYC Registration process is a bit difficult and all persons have a profadress document at hand“

January 6, 2023

[Read all 122 reviews→](https://www.capterra.com/p/197761/Coinbase-Commerce/reviews/)

[

](https://www.capterra.com/p/179252/PayPal-Checkout/)

## [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)

[

4.6 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)[View all reviews](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

[View Profile](https://www.capterra.com/p/179252/PayPal-Checkout/)Add to compare

A single solution lets customers use a variety of payment methods on your site, on mobile, or in your app.

Overall Score

70/100

Popularity24/50

Rating46/50

Review Breakdown

Ease of Use

4.6

Customer Service

4.1

Features

4.5

Value for Money

4.5

Paid plans start at

$0.01

Free Trial

Free Version

Category features

1/16

Pros and Cons

RD

Ruth D

Publishing, Self-employedUsed the software for: More than 2 years.

“It’s a payment platform that allows me to accept customers payments online, on app or in store.“

March 22, 2026

William C

Entertainment, 2 - 10 employeesUsed the software for: More than 2 years.

“Can be as nosey about what the purchases are of, like the credit card companys. “

December 2, 2025

[Read all 499 reviews→](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

[

](https://www.capterra.com/p/10004650/Payarc/)

## [Payarc](https://www.capterra.com/p/10004650/Payarc/)

[

4.6 (63)](https://www.capterra.com/p/10004650/Payarc/reviews/)[View all reviews](https://www.capterra.com/p/10004650/Payarc/reviews/)

[View Profile](https://www.capterra.com/p/10004650/Payarc/)Add to compare

PAYARC is an all-in-one, personalized payment processor focusing on merchant services and payment processing.

Overall Score

70/100

Popularity26/50

Rating44/50

Review Breakdown

Ease of Use

4.6

Customer Service

4.7

Features

4.6

Value for Money

4.6

Paid plans start at

Not provided by the vendor

Category features

14/16

Pros and Cons

NR

Norma R

Religious Institutions, 2 - 10 employeesUsed the software for: More than 2 years.

“I love using the v3 version as it is extremely user friendly and the reports are comprehensive with all the information I would need for accounting.“

January 10, 2024

Timothy C

Marketing and Advertising, 2 - 10 employeesUsed the software for: More than 2 years.

“From what I can gather, it's been alleged that Payarc is adding monthly fees and services to the merchants accounts with the merchant's knowledge, without the agent/rep knowledge, and/or without proper notification on the merchant's statement.“

March 13, 2026

[Read all 63 reviews→](https://www.capterra.com/p/10004650/Payarc/reviews/)

[

](https://www.capterra.com/p/246352/Revolut-for-Business/)

## [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/)

[

4.0 (80)](https://www.capterra.com/p/246352/Revolut-for-Business/reviews/)[View all reviews](https://www.capterra.com/p/246352/Revolut-for-Business/reviews/)

[View Profile](https://www.capterra.com/p/246352/Revolut-for-Business/)Add to compare

The account that does more for your business. Scale — and save — with global payments, multi-currency accounts, and smarter spending.

Overall Score

70/100

Popularity28/50

Rating42/50

Review Breakdown

Ease of Use

4.2

Customer Service

3.0

Features

4.0

Value for Money

3.6

Paid plans start at

£10.00Flat Rate, Per Month

Free Trial

Free Version

Category features

12/16

Pros and Cons

Osman S

Marketing and Advertising, 2 - 10 employeesUsed the software for: Less than 6 months.

“Multiple accounts, currency exchanges, allowing users to have different access roles, and it is a modern banking experience.“

December 15, 2025

DG

Damian G

Computer Software, Self-employedUsed the software for: 6-12 months.

“In the end i think revolut business plans (base one) is to expensive and not giving even one free international paymentm.“

March 21, 2026

[Read all 80 reviews→](https://www.capterra.com/p/246352/Revolut-for-Business/reviews/)

[

](https://www.capterra.com/p/10018311/Maestro-Payment/)

## [Maestro Payment](https://www.capterra.com/p/10018311/Maestro-Payment/)

[

4.9 (22)](https://www.capterra.com/p/10018311/Maestro-Payment/reviews/)[View all reviews](https://www.capterra.com/p/10018311/Maestro-Payment/reviews/)

[View Profile](https://www.capterra.com/p/10018311/Maestro-Payment/)Add to compare

Manage and Pay contractors and freelances anywhere in the world with a safe and secure payments

Overall Score

66/100

Popularity19/50

Rating47/50

Review Breakdown

Ease of Use

4.9

Customer Service

4.8

Features

5.0

Value for Money

4.9

Paid plans start at

$7.00Usage Based, Per Month

Free Trial

Free Version

Category features

12/16

Pros and Cons

JH

James H

E-Learning, 51 - 200 employeesUsed the software for: 6-12 months.

“Maestro automate the process we have with contractors (in our case contractors), in three clicks we can pay as many as we want worldwide, all invoices are the same, different options for contractors to receive money which is very convenience, e have now full control with zero mistakes “

March 16, 2024

[Read all 22 reviews→](https://www.capterra.com/p/10018311/Maestro-Payment/reviews/)

[

](https://www.capterra.com/p/213069/Braintree/)

## [PayPal Enterprise Payments](https://www.capterra.com/p/213069/Braintree/)

[

4.1 (98)](https://www.capterra.com/p/213069/Braintree/reviews/)[View all reviews](https://www.capterra.com/p/213069/Braintree/reviews/)

[View Profile](https://www.capterra.com/p/213069/Braintree/)Add to compare

Web and mobile-based payment gateway tool that allows users to process eCommerce transactions, conduct analysis, and manage billing.

Overall Score

63/100

Popularity17/50

Rating46/50

Review Breakdown

Ease of Use

4.1

Customer Service

3.8

Features

4.1

Value for Money

4.0

Paid plans start at

Not provided by the vendor

Category features

10/16

Pros and Cons

PB

Paul B

Sports, 11 - 50 employeesUsed the software for: More than 2 years.

“It essential to manage our business because connected to our subscription management platform, its versatility allows us to work with no issues.“

May 30, 2025

SH

Suhail H

Apparel & Fashion, 5,001 - 10,000 employeesUsed the software for: More than 2 years.

“What’s more, the fee structure isn’t always very intuitive at a glance.“

April 28, 2025

[Read all 98 reviews→](https://www.capterra.com/p/213069/Braintree/reviews/)

Most Popular

Popularity Score

Popular

Highly Rated

Ratings Score

Highest Rated

To ensure objectivity and avoid any bias, Capterra Shortlist mathematically combines two key dimensions: a ratings score and a popularity score. These two dimensions are combined to plot top products on the grid and create a total score for a stack-ranked list view—all independent of vendor influence.

Date published:January 5, 2026