Best Payment Processing Software
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Compare the Top Payment Processing Software as of October 2026
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What is Payment Processing Software?
Payment processing software is software used to facilitate payments made to and from businesses. It can process these transactions quickly and securely, allowing merchants to run their operations smoothly. The software is often integrated with point-of-sale systems or accounting programs, allowing for seamless tracking of all financial information. Users can easily manage payment gateways, report on transactions, and reconcile accounts with detailed analytics tools. Compare and read user reviews of the best Payment Processing software currently available using the table below. This list is updated regularly.
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Gr4vy
Gr4vy
If you’re looking for a new payment processor, it’s worth knowing there’s a better way to run your payments. Payment processors rely on several third parties to complete each transaction, but a payment orchestration platform handles the entire process in one place while helping you avoid vendor lock-in. You get the tools to negotiate better pricing and route every transaction to the best-performing provider.Gr4vy future-proofs payment stacks with a flexible, scalable, and secure infrastructure designed for global growth. -
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RetailEdge
High Meadow Business Solutions
RetailEdge is an easy to use and feature-rich point of sale (POS) and inventory management software solution for retail businesses. RetailEdge offers multi-location support, credit card processing, website integration, mobile POS, and gift card management capabilities within a suite. The solution supports secure and mobile payments like EMV and Apple Pay and integrates with multiple e-commerce platforms for efficient order processing and price updates. RetailEdge was developed in June of 1989 to provide a powerful, flexible, full-featured POS software and hardware solution at a reasonable price that is easy to install, use, and configure, but also affordable to maintain and run. We strongly believe that a good POS solution, in addition to providing great features for a low price, must be supported well. So we have developed a strong support system that provides a backbone of local resellers and quick access to US-based Tier 3 (highest) level support.Starting Price: $495.00/one-time -
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EBizCharge
EBizCharge
EBizCharge is the leader in integrated B2B payment processing, powering secure payment acceptance for over 400,000 users across the US and Canada. Our payment platform allows businesses to securely accept transactions anywhere, anytime, inside 50+ ERP, CRM, and accounting solutions. EBizCharge transforms payment operations by increasing processing efficiency, eliminating double entry, reducing errors, and improving security. Our suite provides online and mobile credit card processing, ACH payments, multi-currency support, real-time processing, secure encryption and tokenization, email payment links, customer portals, and comprehensive transaction reporting. EBizCharge is PCI-compliant with advanced data encryption and tokenization, ensuring all payment data is secured. EBizCharge integrates with QuickBooks, NetSuite, SAP, Oracle, Sage, Microsoft Dynamics, Salesforce, Acumatica, and more.Starting Price: $25/month -
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OneBill
OneBill
OneBill is an end-to-end subscription management, billing, and revenue management platform that powers the entire customer lead-to-revenue generation experience. OneBill supports all types of billing models such as one-time billing, subscription billing, recurring billing, and usage-based billing. OneBill’s seamless integration with other enterprise systems such as carriers & service providers, payment gateways, accounting & admin, taxation, and CRM & ERP platforms is made possible with open APIs. The platform covers all aspects of a business from CPQ, automated order provisioning & activation, billing & invoicing, all the way to revenue reporting, customer subscription management, and channel partner commission management. OneBill has been helping SMBs, SMEs, and large enterprises to reduce billing errors, compliance risk and drive greater efficiency with an end-to-end billing and revenue management solution fully integrated with some of the world’s leading solutions.Starting Price: $1500.00 -
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HelmBot
HelmBot
Appointment scheduling, point-of-sale, staff management, marketing automation, and a whole lot more. HelmBot makes it easy for business owners to stay on top of all the complicated parts of their business in one place. HelmBot is designed to save you time and bring in extra appointments, every single day.Starting Price: $95 per month -
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Square Card Reader
Block
Square’s free credit card reader works with the free Square Point of Sale app to let everyone accept payments on their smartphone or tablet. Sign up for Square and we’ll drop your free card reader in the mail—no commitments or long-term contracts. Pay 2.6% + 10¢ per swipe for Visa, Mastercard, Discover, and American Express. Get your money as fast as the next business day. With two versions of Square Reader for magstripe—one for a headset jack, the other a Lightning connector—you’re covered. Just pick the credit card reader that works for you. Take payments at the counter or on the go, remotely through invoices, or by manually entering card numbers. Square Point of Sale is a free, easy-to-use app that gives you everything you need to manage your business. Credit card information is encrypted at the moment of swipe. Square doesn’t store card data on your device after a payment has been processed. -
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Quadient AP Automation by Beanworks
Quadient
Quadient AP Automation by Beanworks empowers accounting teams by automating the entire accounts payable workflow, from purchase to payments. We receive and code your invoices, route them for approval, and sync them into your accounting software. Once invoices have been approved, they automatically match to payments, helping eliminate the risk of duplicates and ensuring your vendors get paid on time. By combining AP data, invoice images and reporting, you gain better visibility into outstanding liabilities across all of your legal entities or locations. Quadient AP Automation by Beanworks helps accounting teams: -Increase control over AP -Improve visibility across payables -Eliminate paper & filing cabinets -Improve accountability & easily find invoices -Access and approve invoices from any device Quadient AP Automation by Beanworks integrates with industry-leading accounting software including QuickBooks, Intacct, Sage 100, Sage 300, Sage 50 Canada & US, NetSuite & more -
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Chargebee
Chargebee
Chargebee is a recurring billing and subscription management tool that helps SaaS and SaaS-like businesses streamline Revenue Operations. Chargebee integrates with the leading payment gateways like Stripe, Braintree, PayPal etc. around the world to let you automate recurring payment collection along with invoicing, taxes, accounting, email notifications, SaaS Metrics and customer management. Chargebee handles all your crucial workflows from lead to ledger with power-packed integrations that include Salesforce, Xero, Quickbooks, Avalara, Slack, among others. Deflect cancellations at scale straight from Chargebee with a best-of-breed solution, Chargebee Retention, that provides personalized experiences that get results. Run experiments based on customer and subscription attributes taken straight from Chargebee to ensure you provide a personalized and relevant cancel experience.Starting Price: $299/month -
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Payrexx
Payrexx
Customers select the desired products, place them in the shopping cart, fill out the predefined form fields with their contact details and proceed to pay - all on one page. Design of every payment tool is fully customizable with corporate logo, colors and fonts, whether it is a Virtual POS, Paylink or One Page Shop. Payrexx payment tools such as One Page Shop, Paylink and Virtual POS automatically adapt to the user's device. Shopping and payment experience will always be convenient for your customers. Use Facebook pixel to track customers on your Payrexx tools. You only need to copy and paste a small amount of code. Create discount coupons with a fixed amount or on percentage basis. During the checkout, your customers can then easily enter the code to apply the discount. Send paylinks to your customers by email either automatically or manually. Decide when you would like to remind your customers to purchase your products or services.Starting Price: $9 per user per month -
10
Clearly Payments
Clearly Payments
Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.comStarting Price: $10.00/month -
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Cutting Edge Payment Processing Gateway with Enterprise Features and Real-Time Metrics
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Paddle
Paddle Payments
Paddle is a subscription commerce and billing platform for Software and SaaS companies. It’s more difficult than ever to keep up with customer demands, to find new international growth opportunities, and to manage your internal resources effectively. With Paddle, you spend less time on fixing internal roadblocks and can focus on scaling your business. Paddle provides a full suite of tools from optimized checkout to sell your software, to recurring billing, fraud detection, manual invoicing, sales taxes, global currencies, customer support, analytics and much more, all in one platform. Choose how you want to sell, Paddle supports every type of sales motion. Optimize your checkout for conversions, scale your sales-assisted invoicing to more business accounts, and add subscription billing -
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Braintree
PayPal
Boost your company's revenue with a global payments partner. Reach more buyers and drive higher conversion with the only payments platform that delivers PayPal, Venmo (in the US), credit and debit cards, and popular digital wallets like Apple Pay and Google Pay in a single, seamless integration. Drive revenue growth and maximize business opportunities. Accept and process cards, PayPal, and wallets such as Venmo (US only), Apple Pay, and Google Pay in a single, modern integration. Plus, get industry-leading tools to help prevent fraudulent transactions, manage data security, and streamline operations. Help increase sales and loyalty with a modernized, optimized payments experience. Leverage the PayPal network and next-generation technology to expand markets. Manage internal costs and automate back-end processes without sacrificing revenue. Help detect and prevent fraudulent transactions while approving more orders. The payments platform for some of the world’s leading brands. -
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PaymentCollect for QuickBooks
Payment Collect
PaymentCollect™ is a software plugin for the full suite of QuickBooks® products that allows business owners to natively process credit cards within QuickBooks® through the processor or bank of their choice. We support QuickBooks Desktop® back to version 2004, Point of Sale® back to version 2010, as well as the new QuickBooks Online.® PaymentCollect™ provides simple, convenient, efficient, and inexpensive payment processing software. Reduce overhead and variable costs by receiving, processing, and automatically posting payments into QuickBooks. With Payment Collect™, your customers can pay their invoices 24/7 by phone or online. We synchronize with QuickBooks® so invoices are automatically marked as paid. -
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Recurly
Recurly
Thousands of innovative companies across media and entertainment, consumer goods, software, education, health and wellness, and travel and hostpiatlity industries rely on Recurly for faster, more profitable growth. The partnership and platform of Recurly removes the complexities of automating subscription management and recurring billing at scale, enabling teams to manage and optimize their subscriber lifecycles with ease. Category-defining companies including Sling, Twitch, Bark, FabFitFun, Paramount, Lucid, and Sprout Social have chosen Recurly to manage billions of dollars in recurring revenues, future-proof their recurring billing and revenue management, and recover billions of dollars in lost revenue due to churn. Founded in 2009, Recurly is based in San Francisco, with offices in Boulder and London. Recurly | Keep a good thing growingⓇStarting Price: $0.00/month -
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SDK.finance
SDK.finance
SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.Starting Price: Contact us -
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ChargeOn
Cyntexa
ChargeOn is a 100% Salesforce-native application designed to simplify, automate, and optimize how businesses handle payments all within Salesforce. It bridges the gap between your Salesforce CRM and 19+ leading payment gateways, giving your team a unified platform to streamline your overall payment management. Why Businesses Need ChargeOn Businesses often faced challenges in receiving Salesforce payments due to manual processes. these processes slowed revenue recognition, resulted in duplication of records and imped customer experiences. ChargeOn eliminates these challenges by providing a seamless payment ecosystem inside Salesforce ensuring faster collections, improved cash flow, and improved visibility in customer's payment journey. No more switching between systems or chasing failed payments everything happens in one place, securely and automatically.Starting Price: $3500 -
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SwipeSum
SwipeSum
Discover the best credit card processing solution for your unique business and eliminate most fees associated with accepting payments. The research required to find the best solution for your unique business can take months, and merchants do not have the upper hand in negotiations. Swipesum solved that. We prove that we're the experts by sourcing the best payments solutions for you, and help pre-negotiate the most favorable terms for free. Our advice is completely free to you. We'll help negotiate and manage your payments solution, so you can focus on the growth of your company. Swipesum combines industry knowledge, proprietary software technology, and dedicated customer service to create a payments solution that will optimize card processing for your business. There is a lot of misinformation and confusion in card processing. The industry tends to obscure pricing while building the appearance of inflexibility and exclusivity into their services.Starting Price: $15 per month -
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Sonder Payments
Sonder Payments
Sonder Payments is a membership-based payment processing solution tailor-made for high-ticket businesses. Sonder Payments does not charge a percentage markup on transactions. Instead, members pay a static monthly fee for access to a dedicated support team, virtual terminal, recurring billing, online invoicing, and more. Sonder Payments is suitable for all business sizes and models. Our software is capable of integrating into numerous payment gateways, eCommerce platforms, and point-of-sale software. No matter how you use Sonder Payments, you'll always know what you pay and get paid fast. In most cases, businesses receive deposits within 5-7 hours. Sonder Payments memberships start at just $49 per month with rates as low as $0.08 per transaction. Visit SonderPayments.com for a free cost-savings analysis.Starting Price: $49/month -
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Bellwether Purchasing and Inventory
Bellwether Purchasing and Inventory Software
Rated #1 in purchasing software for SMB companies who create 50-1000 POs a month. Bellwether is cloud-based, modular, scalable, easy to use and offers a 100% money-back guarantee. Modules include Requisitions, Purchase orders, Receiving, invoicing, Inventory, and more. There are over 50+ punchouts, partial receipts, blanket POs, and integration to your ERP through invoicing. Reporting and help docs are available throughout the solution and you will also have outstanding customer support every step of the way. You decide what you need and when to add more. Proven and trusted as the best purchasing software by thousands of customers for over 35 years. Bellwether's solution works in all industries. Check it out now by requesting a free demo based on your company's needs and purchasing workflow. Look forward to hearing from you. -
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ClearGate
ClearGate
We offer our popular payment processing software or get access to our secure Web services. You can process cards, check the status, and create custom reporting. Payments are complicated. Let us provide the tools to make them easy. See how we can assist you. We’ve designed our payment processing iFrame to ensure a simple, yet very flexible integration. You’re in safe hands with $100k in breach insurance, plus a platform with strict security principles at its core. We’ve been around the block a time or two, so we know what it takes to get the job done. Whether you need a traditional terminal, our popular virtual terminal, or an integrated solution with your business management software, we have a solution for you. Our team will personally work one-on-one with you, from the initial pricing proposal to help and support down the line, you’ll have someone with you every step of the way. Promise.Starting Price: $15.99 per month -
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uniCenta
uniCenta
Day-In, Day-Out uniCenta software helps thousands of people all around the world save their business time and money. uniCenta is not the usual run-of-the-mill legacy Point Of Sale software developer. We are a small team dedicated to bringing you innovative Point Of Sale apps. Run the full version of uniCenta oPOS on any smartphone, tablet or countertop machine with a browser. Send orders to a local kitchen, packing or warehouse display wherever it’s located. Strengthen your customer connection and reinforce your brand. Blend In-store prepayments with online store purchases. This app' will earn you money and pay you for every transaction you make.Starting Price: $5 per month -
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Unity FI Solutions
Unity FI Solutions
Custom payment solutions/technologies for banks, businesses, & educational institutions. 24/7 customer service & technical support for existing merchants. All financial data is protected with contemporary networks and terminals. Offering some of the lowest transactions fees in the business. Apply today for a merchant account and get approved within 24 hours. Uniquely tailored solutions that fit our customers' needs. Using innovation to accelerate account receivable collections. -
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NDMS Merchant Account
National Discount Merchant Services (NDMS)
National Discount Merchant Services (NDMS) offers a comprehensive suite of payment processing solutions tailored for businesses across various industries. Their services encompass both in-person and online transactions, supporting credit card, debit card, and ACH payments. NDMS provides advanced features such as EMV/chip terminals, virtual terminals, mobile point-of-sale systems, and secure payment gateways. To enhance security and compliance, they offer tokenization, PCI compliance assistance, fraud prevention tools, and a secure vault for storing sensitive data. Additional services include recurring billing, chargeback management, multi-currency processing, and customizable reporting tools. NDMS caters to a wide range of industries, including retail, ecommerce, healthcare, hospitality, and high-risk sectors, ensuring flexible and scalable solutions for businesses of all sizes. Starting Price: $5.00/month -
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OrangePay
OrangePay Merchant Services
OrangePay is based in New York, the heart of the economic world, and is one of USA’s fastest growing merchant services providers. We are constantly evolving, with our pulse constantly on the ever changing processing industry. With thousands of merchants choosing OrangePay as their provider of choice, our team is committed to providing you with solutions that ensure your business success. OrangePay provides state of the art processing solutions and services for all types of businesses, from small boutique stores, to large chain stores, from Shopify processing to full e-commerce solutions, restaurants, clothing stores, NPOs. You name it, we process it. No business is too small or too large for us! -
26
RewardPay
Payroc
Rates: 0% credit card processing | 1.25% + $0.25 debit card processing | No contracts or termination fees| A+ BBB Rating. Enjoy zero-cost credit card processing with no contracts or termination fees. With RewardPay powered by Payroc, your business can add a credit card fee to the total price that customers pay for a product or service. From total compliance with all major card brands to promoting full-price transparency with customers, RewardPay is your solution. CashRewards, our premier cash discounting program enables a business to offset 100% of its processing costs and offer a discount to any customer paying with cash or check. Payroc offers processing that’s right for you. IC+ processing is a simple and standard way to accept payments, compatible with almost any product. The interchange rate is tailored to your business needs and payment environment. Count on a dependable payment acceptance program.Starting Price: 0% credit card processing -
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PayXpert
PayXpert
THE PERFECT FORMULA TO INCREASE YOUR SALES Our Payment Gateway together with our Central Panel and our Connect2pay payment page solution are the result of years of experience in the payment industry. We constantly revamp them as our innovative experts come up with new ideas and our clients’ needs grow. With PayXpert, you will benefit from an innovative payment technology. We help you to improve your conversion rate while keeping you safe. Use the advanced payment technological tools that PayXpert team has developed. In accordance with local payments habits, one of the main key to be successful in company internationalization is to have the right payment method to get high volume of sales. With PayXpert, you can go international with local payment methods. Our payment solutions enable our clients to open business worldwide. PayXpert is connected with a large network of acquirers and also with many Alternative Payment Solutions around Europe, Morocco and Asia. & more -
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Decta
DECTA
End-to-end solutions of payment processing, acquiring, and white label cards for banks, PSP-s, Fintech-s, and online merchants. Robust payment system to accelerate business growth. Processing, full in-house PCI Level 1 certified processing for VISA, Mastercard schemes Issuers and Acquirers in EUROPE and Asia-Pacific region. Top-edge E-commerce payment gateway solution included in the technical processing service. DECTA Gateway API. Integration for authorization switching is possible both through ISO 8583-based protocol and REST API. For live program management, DECTA Issuing API is used. Switching & Clearing. DECTA uses Active-Active deployment for all critical processing systems, which allows supporting up to 99,99.. uptime even including planned downtimes for system upgrades and ICO releases. -
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PayNet Cloud
PayNet Systems
Our Low code solution is quick to deploy and adapts to the requirements of your growing business. We are highly flexible and can be tailored to meet the demands of your business. Interface easily with existing IT infrastructure and external tech partners using any standard protocols like REST, SOAP, ISO 20022, ISO 8583 etc. Centrally customize and monitor and all products, users type and transactions. Aggregate customer data from other systems like CRM, Trade & Finance, and aggregators and BI systems. We are enabling the retail banking industry with the digital-first approach by providing digital-first solutions. Create a unique digital experience for your customer's unique needs your bank. -
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Nuvei
Nuvei
One platform. One partner. Limitless global possibilities. Bring it all together through one end-to-end payment technology platform. Take advantage of all Nuvei has to offer without changing provider. That’s right. We believe in choice, flexibility and redundancy. Add us to your gateway stack for faster growth and geographic coverage, or take advantage of our full platform for maximum benefits. Leverage our connections with 200+ global acquirers to capture every payment opportunity, increase acceptance rates, and reduce operating costs. Reach a new level of payment processing capability with our extensive flexibility and customization. Start processing fast. Our payment platform easily integrates with multiple gateways, platform partners and eCommerce plugins. Take advantage of all Nuvei has to offer without changing providers. That’s right. We believe in choice, flexibility and redundancy.
