--- title: "Best Payment Processing Software 2026 | Capterra" description: "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_url: "https://www.capterra.com/payment-processing-software/" page_type: "category" language: "en" --- # Best Payment Processing Software Last updated on September 17, 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 September 17, 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) [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 [4.4 (69)](https://www.capterra.com/p/111334/TEMENOS-T24/reviews/) Payments platform supporting banks to process ACH, Fedwire, RTP, and FedNow payments at scale with fraud and compliance controls. [Learn more about Temenos](https://www.capterra.com/p/111334/TEMENOS-T24/) 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 (405)](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 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. [4.5 (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 [4.4 (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 [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 [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 (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 (3381)](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 [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 [4.6 (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 [4.4 (370)](https://www.capterra.com/p/124427/Regpack/reviews/) Automate and streamline client billing with Regpack's full suite of onboarding and payment tools. Manage clients efficiently. [Learn more about Regpack](https://www.capterra.com/p/124427/Regpack/) 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 (146)](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 (108)](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 81% recommend this product [4.3 (3)](https://www.capterra.com/p/204041/ACH-Universal/#reviews) Create ACH / NACHA files and Canada EFT files quickly and easily. Works with QuickBooks, QuickBooks Online, SQL - and Excel, csv files. [Learn more about ACH Universal](https://www.capterra.com/p/204041/ACH-Universal/) 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 (258)](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 [## PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26647)](https://www.capterra.com/p/207944/PayPal/reviews/) From payments to credit to fraud protection, PayPal helps businesses streamline payment processing and chargeback management. [Learn more about PayPal](https://www.capterra.com/p/207944/PayPal/) 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 83% recommend this product [## QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) [4.5 (20681)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) Accept credit cards, process payments, and improve cash flow with QuickBooks Enterprise. Buy Now!  [Learn more about QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) 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 [## Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9305)](https://www.capterra.com/p/222572/Venmo-/reviews/) Mobile-based social commerce platform that enables users to carry out money transmission across all types of purchases. [Learn more about Venmo](https://www.capterra.com/p/222572/Venmo-/) 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 87% recommend this product [## QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) [4.3 (8525)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) QuickBooks Online is a powerful payment processing & accounting tool. Get paid faster & manage transactions. ! [Learn more about QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-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 [## Shopify](https://www.capterra.com/p/83891/Shopify/) [4.5 (6716)](https://www.capterra.com/p/83891/Shopify/reviews/) Shopify is a commerce platform that helps businesses create online stores, sell across channels, and manage their operations. [Learn more about Shopify](https://www.capterra.com/p/83891/Shopify/) 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 [## Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/) [4.8 (5765)](https://www.capterra.com/p/191978/Acuity-Scheduling/reviews/) Appointment scheduling solution that helps businesses automate client bookings, cancellations, reminders, payments, and more. [Learn more about Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/) 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 88% recommend this product [## FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) [4.5 (4526)](https://www.capterra.com/p/142390/FreshBooks/reviews/) Cloud-based accounting software designed that helps small businesses with invoicing, time tracking, expense management and more. [Learn more about FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) 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 [## Vagaro](https://www.capterra.com/p/153752/Vagaro/) [4.7 (3657)](https://www.capterra.com/p/153752/Vagaro/reviews/) Vagaro® has everything you need run your business: bookings, payments, free marketplace, & more! Free contactless card reader! [Learn more about Vagaro](https://www.capterra.com/p/153752/Vagaro/) 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 87% recommend this product [## Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) [4.6 (3036)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Customizable point-of-sale (POS) system built for businesses of all shapes and sizes, offering reporting and inventory management. [Learn more about Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) 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 83% recommend this product Page 1 of 21 ## 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 (1019) 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](https://www.capterra.com/payment-processing-software/features/ach-payment-processing/) AI Copilot [Billing & Invoicing](https://www.capterra.com/payment-processing-software/features/billing-invoicing/) [Credit Card Processing](https://www.capterra.com/payment-processing-software/features/credit-card-processing/) [Data Security](https://www.capterra.com/payment-processing-software/features/data-security/) [Debit/Credit Card Processing](https://www.capterra.com/payment-processing-software/features/debit-credit-card-processing/) [Electronic Payments](https://www.capterra.com/payment-processing-software/features/electronic-payments/) Electronic Signature [Generative AI](https://www.capterra.com/payment-processing-software/features/generative-ai/) [In-Person Payments](https://www.capterra.com/payment-processing-software/features/in-person-payments/) [Mobile Access](https://www.capterra.com/payment-processing-software/features/mobile-access/) [Mobile Payments](https://www.capterra.com/payment-processing-software/features/mobile-payments/) Multi-Currency [Multiple Payment Options](https://www.capterra.com/payment-processing-software/features/multiple-payment-options/) [Online Payments](https://www.capterra.com/payment-processing-software/features/online-payments/) [Payment Fraud Prevention](https://www.capterra.com/payment-processing-software/features/payment-fraud-prevention/) Payment Gateway Integration PCI Compliance Recurring/Subscription Billing Reporting/Analytics [Transaction Monitoring](https://www.capterra.com/payment-processing-software/features/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/) 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). ### Get to a better list with verified ratings & reviews ### 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) ## Our Top 5 Picks 2026 Capterra Shortlist The five highest-scoring tools from our shortlist, compared on the metrics that matter most. | Metric | [Stripe (Top Rated)](https://www.capterra.com/p/123889/Stripe/) | [Square Payments (Feature Rich)](https://www.capterra.com/p/170278/Square-Payments-Processing/) | [Google Pay (Great Value)](https://www.capterra.com/p/212826/Google-Pay/) | [ePayPolicy (Easy to Use)](https://www.capterra.com/p/198072/ePayPolicy/) | [Amazon Pay (Top Support)](https://www.capterra.com/p/247554/Amazon-Pay/) | | --- | --- | --- | --- | --- | --- | | Rating | 4.6 (3,381 reviews) | 4.7 (2,714 reviews) | 4.6 (924 reviews) | 4.9 (258 reviews) | 4.6 (153 reviews) | | Capterra score | 92/100 | 91/100 | 90/100 | 85/100 | 84/100 | | Starting price | Not available | Not available | Not available | $25.00/month | Not available | | Free plan | Not available | Available | Not available | Available | Not available | | Free trial | Not available | Not available | Not available | Available | Not available | | Standout Feature | Reminders | CRM | Mobile Access | Accounting Integration | Customer Accounts | | Integrations | 105 integrations | 27 integrations | Not available | 7 integrations | 2 integrations | --- ## Explore the Full Payment Processing Shortlist ## Explore the Full Payment Processing Shortlist [ ](https://www.capterra.com/p/123889/Stripe/) [ 4.6 (3,381)](https://www.capterra.com/p/123889/Stripe/reviews/)[View all reviews](https://www.capterra.com/p/123889/Stripe/reviews/) 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 Ls Louis s Real Estate, 51 - 200 employeesUsed the software for: More than 2 years. “What I appreciate the most is the developer-friendly API and the extensive documentation, which makes integration straightforward, whether you're handling one-off payments, The wide range of supported payment methods (cards, SEPA, BANK transfers, etc.)“ May 22, 2026 TL Tenequia L Legal Services, 2 - 10 employeesUsed the software for: 6-12 months. “The only thing I didn’t like is that I was not able to send invoices out to where the client can just click the link and make payment instead of having to go find the stripe application“ July 23, 2026 [Read all 3,381 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 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)[View all reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) [](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 Reyna F Health, Wellness and Fitness, 51 - 200 employeesUsed the software for: 1-2 years. “As a business user, Square Payments has been a dependable and easy-to-use platform for processing transactions. Whether accepting in-person payments or sending invoices, Square makes the payment process straightforward for both businesses and customers.“ July 24, 2026 IA Ibrahim A Non-Profit Organization Management, 11 - 50 employeesUsed the software for: 6-12 months. “With the amount of features it can get a bit confusing to setup especially when looking for particular payment processing workflows to suite your businesses needs.“ June 30, 2026 [Read all 2,714 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 (924)](https://www.capterra.com/p/212826/Google-Pay/reviews/)[View all reviews](https://www.capterra.com/p/212826/Google-Pay/reviews/) [](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 PP Piyusha P Hospital & Health Care, 201 - 500 employeesUsed the software for: 1-2 years. “I also like how smoothly it integrates with bank accounts and cards, making transactions seamless.“ June 1, 2026 PP Piyusha P Hospital & Health Care, 201 - 500 employeesUsed the software for: 1-2 years. “One thing I liked least about Google Pay is that transaction failures can occasionally occur because of bank server issues, and resolving such problems sometimes takes longer than expected.“ June 1, 2026 [Read all 924 reviews→](https://www.capterra.com/p/212826/Google-Pay/reviews/) [ ](https://www.capterra.com/p/198072/ePayPolicy/) [ 4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)[View all reviews](https://www.capterra.com/p/198072/ePayPolicy/reviews/) 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 Alaina L Insurance, 2 - 10 employeesUsed the software for: Less than 6 months. “Really has helped us cater to our busy clientele, very limited learning curve and even our least tech savvy team members have mastered it.“ May 28, 2026 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 258 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 (153)](https://www.capterra.com/p/247554/Amazon-Pay/reviews/)[View all reviews](https://www.capterra.com/p/247554/Amazon-Pay/reviews/) [](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 Srawan P Information Technology and Services, Self-employedUsed the software for: 1-2 years. “Sometimes the offers are less and cashback rewards are not available for every payment.“ July 5, 2026 [Read all 153 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/) [](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 (363)](https://www.capterra.com/p/176749/Nomod/reviews/)[View all reviews](https://www.capterra.com/p/176749/Nomod/reviews/) [](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 4.7 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 GV Georgy V Airlines/Aviation, 2 - 10 employeesUsed the software for: 1-2 years. “At the same time, I feel there is still room for improvement in areas such as clearer pricing details, stronger onboarding guidance, and more step-by-step support for new users.“ June 4, 2026 SS Sofia S Health, Wellness and Fitness, 2 - 10 employeesUsed the software for: 6-12 months. “No tap to pay in uae, thi is very annoying, the report is not that good the dashboard I cannot choose the dates exact dates to see dashboard“ July 6, 2026 [Read all 363 reviews→](https://www.capterra.com/p/176749/Nomod/reviews/) [ ](https://www.capterra.com/p/164285/Podium/) ## [Podium](https://www.capterra.com/p/164285/Podium/) [ 4.2 (526)](https://www.capterra.com/p/164285/Podium/reviews/)[View all reviews](https://www.capterra.com/p/164285/Podium/reviews/) [](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 10/16 Pros and Cons LK Larry K Construction, 51 - 200 employeesUsed the software for: 6-12 months. “Podium offers a streamlined platform that allows you to manage your customer and call center interactions seamlessly.“ July 23, 2026 JO Jim O Hospitality, 51 - 200 employeesUsed the software for: More than 2 years. “Customer service was the deal-breaker.“ July 16, 2026 [Read all 526 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 (220)](https://www.capterra.com/p/221412/authorizenet/reviews/)[View all reviews](https://www.capterra.com/p/221412/authorizenet/reviews/) [](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 AP ALISSA P Retail, 2 - 10 employeesUsed the software for: Less than 6 months. “Overall, Authorize.net has been a dependable and secure payment solution. Once everything is set up, it runs smoothly and handles transactions efficiently. While it could benefit from a more modern interface and improved usability, it remains a strong choice for businesses that need reliable payment processing.“ May 1, 2026 Ryan P Arts and Crafts, 2 - 10 employeesUsed the software for: I used a free trial. “Also, it isn't beginner-friendly compared to modern tools.“ April 27, 2026 [Read all 220 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/) [ 4.2 (405)](https://www.capterra.com/p/184673/Melio/reviews/)[View all reviews](https://www.capterra.com/p/184673/Melio/reviews/) 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 4.4 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 KM Katsia M Information Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “It is also a relief that users are able to review and approve items within Melio so I do not have to send follow-up approval requests.“ June 29, 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 405 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/) [](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/) [ 4.5 (337)](https://www.capterra.com/p/131733/PayStand/reviews/)[View all reviews](https://www.capterra.com/p/131733/PayStand/reviews/) Add to compare Agentic B2B payment network with automated invoicing, payment links, and one checkout for card, ACH, and zero fees. Overall Score 73/100 Popularity27/50 Rating46/50 Review Breakdown Ease of Use 4.5 Customer Service 4.4 Features 4.4 Value for Money 4.5 Paid plans start at Not provided by the vendor Category features 12/16 Pros and Cons SL Stephanie L Financial Services, 51 - 200 employeesUsed the software for: Less than 6 months. “In the beginning it took a while for the reimbursement to come through, however since my expense was the same every month I was pleasantly surprised that it now gave automatic approvals and reimbursement was issued within a week.“ September 26, 2025 DJ David J Accounting, 11 - 50 employeesUsed the software for: I used a free trial. “What I received in return was a form rejection disguised as courtesy.“ July 20, 2026 [Read all 337 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/) [](https://www.capterra.com/p/177326/360-Payments/)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 (88)](https://www.capterra.com/p/156081/GoCardless/reviews/)[View all reviews](https://www.capterra.com/p/156081/GoCardless/reviews/) [](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 3.5 Features 4.0 Value for Money 3.9 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 88 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/) [](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/) [ 4.3 (110)](https://www.capterra.com/p/131433/Chargebee/reviews/)[View all reviews](https://www.capterra.com/p/131433/Chargebee/reviews/) [](https://www.capterra.com/p/131433/Chargebee/)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 AR Agnes R Information Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “So far its worked and it's saved me hours of doing this myself by exporting everything to an Excel spreadsheet to view our custom fintech variables.“ July 13, 2026 AR Agnes R Information Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “Their reporting dashboard is very inflexible, I literally have to export everything to Excel to get a look at our custom fintech variables which makes no logical sense.“ July 13, 2026 [Read all 110 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/) [](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 Nwodo P Entertainment, 2 - 10 employeesUsed the software for: I used a free trial. “The customer support is lacking for an app that holds and trade valuables.“ January 11, 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/) [](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/) [](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 (81)](https://www.capterra.com/p/246352/Revolut-for-Business/reviews/)[View all reviews](https://www.capterra.com/p/246352/Revolut-for-Business/reviews/) [](https://www.capterra.com/p/246352/Revolut-for-Business/)Add to compare Accept, settle, and manage payments in one ecosystem. From online checkouts to in-person terminals, streamline your merchant acquiring 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 3.7 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 81 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/) [](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/) [ 4.2 (100)](https://www.capterra.com/p/213069/Braintree/reviews/)[View all reviews](https://www.capterra.com/p/213069/Braintree/reviews/) [](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 Melissa R Arts and Crafts, 11 - 50 employeesUsed the software for: 6-12 months. “Additionally, the employee management tools are intuitive, making day-to-day oversight highly efficient.“ July 25, 2026 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 100 reviews→](https://www.capterra.com/p/213069/Braintree/reviews/) [View all Payment Processing Software](#all-products) 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