Best Payment Processing Software
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Compare the Top Payment Processing Software as of April 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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1
NMI Payments
NMI
NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently. -
2
Podium
Podium
Podium is a comprehensive AI-driven lead management and communication platform utilized by over 100,000 businesses seeking to enhance customer acquisition and retention. At the heart of Podium’s innovation is its AI employee, which ensures businesses respond to incoming leads instantly around the clock, dramatically improving conversion rates and revenue growth. The platform assists businesses in generating more customer reviews, improving their Google rankings, and unifying their lead channels into a single, manageable dashboard. Through the web and mobile applications, businesses can call and text customers, send payment links for quick transactions, and deploy bulk messaging campaigns to boost repeat sales. Podium’s powerful AI-driven automations seamlessly manage customer interactions across multiple communication platforms, providing accurate and timely responses that help drive sales.Starting Price: $399 per month -
3
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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SBP Payments is the ultimate solution that positions banks at the vanguard of the Payments Revolution. With the comprehensive and modular platform, bankers will cover all their requirements across the entire payments and cards value chain, ensuring high availability, scalability, and security while providing their customers with an unparalleled experience. SaaS-ready, cloud-native, and core-agnostic, the seamless solution is the one-stop-shop for all bank needs.
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Autodeals
Autodeals Inc
Autodeals, Inc. is a cloud based dealer management solution provider. Our comprehensive solutions include Dealer Management, Accounting & AutoCollections, Electronic Signatures, Payment Processing, LenderHawk, Messaging & CRM, Websites & Leads, Service Center, and Wholesale Dealers. The primary solutions are augmented by inventory management, forms management, BHPH, Payment Solutions, regulatory compliance, vehicle valuations, vehicle history reports, vehicle specifications, credit reporting, Reynolds & Reynolds Law Contracts and more. Compare us to any platform for ease of use, speed, security, and reliability. Single and multi-location dealerships. Start managing your Dealership for a lifetime of success. Available contracts, forms, taxes and fees in 50 US States.Starting Price: $149/month -
7
PremierCashier
NetResources
Tired of integrating PSP's and handling cashier complexity? PremierCashier is your no-code, scalable e-commerce solution. With one API integration you can access hundreds of payment solutions. Any device, any language, and any currency - including many popular cryptocurrencies. Smart credit card routing with intelligent failover, clever rules and algorithms to ensure you never lose a transaction. Bring your own merchant accounts or use our payment consulting to ensure you maximize your payment potential in any geo market. Our payment orchestration software is lightning fast and extremely customizable. Automatic customer profiling allows you to keep your processing secure while providing your customers with a VIP experience. And our dashboard is unrivaled in terms of providing you with actionable information at your fingertips. Plus, our latest API makes for a fast and robust integration to your CRM/ERP. Contact us to get started!Starting Price: $750 USD - no percentages! -
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Nickel
Nickel
Nickel is an innovative payments and credit platform tailored for small and midsized B2B businesses. With its all-in-one solution, Nickel empowers business owners and finance teams to optimize cash flow and streamline operations across AR, AP, and trade credit. Key products and features include: Payment Processing: Unlimited free ACH transfers and 2.9% card processing. Deposit checks directly in Nickel and handle high-value transactions up to $1M. Accounts Receivables: Fully branded Payment Links and Payments Portals for seamless payment collection. Accept payments via cards, ACH, or checks from over 14,000 banks. Enable one-click payments with securely saved buyer payment methods. Accounts Payables: Streamline vendor onboarding with a branded Vendor Portal. Automate bill approvals and pay vendors via card, ACH, or mailed checks. Trade Credit: Digital Credit Application for faster customer onboarding and vetting. Trade credit program offering buyers 60-day termStarting Price: Free -
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Blockonomics
Blockonomics
Blockonomics enables online stores to accept bitcoin payments on their website. The payments go directly to your BTC wallet making it completely decentralized. There is no KYC involved and no limitation on the BTC amount that can be received. The entire setup takes less than 5 minutes and you get a beautiful checkout experience with the payment screen that integrates with your website's theme, additionally, there are no redirects to an external page to complete the checkout. Plugins are available for all major website builders and payment API for custom websites. Blockonomics also offer payment buttons that can be embedded on any custom website and payment links that are easily shared online. Additional services include bitcoin invoices and block explorer. There are a variety of tutorials available to get you started plus a 24 X 7 live support. Blockonomics charges a nominal fee of 1% for all transactions with the first 20 transactions free. Download the free plugin now.Starting Price: 20 Free Transactions + 1% Fee -
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Exact Payments
Exact Payments
Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.Starting Price: Free -
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BILL
BILL
BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.Starting Price: $45 per user per month -
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Floral Frog
Floral Frog
Floral Frog is a comprehensive, yet easy to use florist management system with EPOS designed for managing the business side of floristry. It relieves the burden of managing paperwork commonly seen in flower shops and saves hours of administration. No more order pads - you can manage orders centrally and find them with a few clicks including their payment and delivery status. Do you have a website? We support a number of website integrations, so why not manage all of your orders with ease in one place (check our website for integrations). Spending too much time working out delivery routes? Our software works out the most optimal route for you with just a few clicks. Losing track of money owed? Our invoicing and payments module keeps track of outstanding payments and can automatically invoice your account customers. No more spreadsheets - all sales and expenses are automatically accounted for in the software and you can easily export to CSV or PDF.Starting Price: $60.00/month -
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TalentDesk.io
TalentDesk.io
TalentDesk.io provides end-to-end software to hire, manage and pay your contractors and freelancers seamlessly. Wherever they are. Key benefits: - Make multi-currency payments to your contractors and freelancers with just one click and receive one consolidated invoice. - Source the best contractors and freelancers directly from our platform and invite them to join your team in minutes - Streamline your onboarding process and store all important documents in one location. No paperwork, no spreadsheets, no mess. - Keep track of your most important projects through our platform. Track budgets, spot inefficiencies, allocate tasks and make work happen. - Integrate the apps you’re already using so whatever your workflow, it’ll be smooth sailing with TalentDesk. Borderless work shouldn’t be complicated. Let us guide you through this new adventure.Starting Price: Free contractor onboarding -
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Sila
Sila
Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon. -
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ALFAcoins
ALFAcoins
ALFAcoins is a secure payment processor and crypto payment gateway for merchants who aim to accept cryptocurrencies. It easily integrates into your website or existing payment flow, with an API, widgets, and e-commerce plugins. • Comprehensive Cryptoprocessing for your Store: Send and receive the most popular cryptocurrencies. • 5 Minute Integration: Drag'n'drop our widget or plug into our feature-rich API. • Accounting Tooling: Export transaction data into your favorite services. • 24/7 SupportStarting Price: 0.99% Fee -
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SpotOn
SpotOn
SpotOn is one of the most comprehensive, integrated POS systems on the market. From cloud-based POS to commission-free online ordering and reservations to labor management software, it offers everything the modern restaurateur needs -- with none of the headaches that you get with other big POS companies, like long-term contracts, surprise fees and rate hikes, and impersonal service. SpotOn excels in serving full-service restaurants, bars, and nightlife venues by providing a single, integrated system to run their business. Designed with speed in mind, the SpotOn Restaurant point-of-sale includes easy-to-read table layouts, the ability to quickly add items to an order, and make menu changes on the fly. The platform includes email marketing, review management, and the industry’s best reporting and analytics - all in a single, integrated dashboard that’s available anywhere your business takes you.Starting Price: $0/month -
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Tipalti
Tipalti
The only solution to automate your end-to-end payables process. Automate your full accounts payable, global payouts, procurement and employee expense processes with Tipalti and eliminate 80% of your manual workload. Tiplati enables you to onboard suppliers, partners and freelancers with ease, streamline PO generation, accelerate approvals, eliminate invoice entry and make fast global payments to 190 countries in local currency. Also includes global tax compliance, 2 & 3 way PO matching, multi-entity support, and instant reconciliation with ERP integrations that include NetSuite, Xero, Quickbooks and Sage Intacct.Starting Price: $129 USD, £119 GBP, €129 EUR -
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My DSO Manager
My DSO Manager
My DSO Manager is an AI-powered SaaS platform designed to optimize credit and collections management, reduce DSO, and accelerate cash flow for finance teams worldwide. Fully interoperable with any ERP, CRM, payment solutions, credit insurers, financial data providers and etc., the platform delivers end-to-end control of the credit management process. Key capabilities include customisable dunning workflows, real-time monitoring of balances and disputes, credit scoring, advanced analytics, automated collection actions and MAIA AI. My DSO Manager is fast to deploy through Smart Upload and supports multi-entity, multi-currency, and multilingual environments, making it suitable for both mid-sized companies and global enterprises. Built by credit management experts and a dedicated in-house IT team, the platform centralizes collaboration between finance, sales, and customer service teams around a shared, real-time view of customer risk. -
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Whalestack
Whalestack LLC
Whalestack is a sophisticated cryptocurrency payment gateway designed for enterprises, offering digital currency checkout solutions that seamlessly convert Bitcoin to your bank account within minutes. It enables the acceptance of cryptocurrencies, facilitating instant conversion to fiat currency, eliminating currency risks, chargebacks, and credit risks. The platform encompasses comprehensive financial reporting, invoicing, taxation, and analytics, making it straightforward to integrate via REST API or a simple checkout button. Whalestack serves online merchants and e-commerce platforms, allowing them to accept and settle payments in various digital currencies in a compliant manner, ensuring satisfaction for accountants and tax authorities alike. It empowers online businesses to denominate and settle sales in their national currency (e.g., EUR, USD), irrespective of the cryptocurrency (Bitcoin, Lightning, USD, EURC, or Stellar) used by customers for payment.Starting Price: 0.5% -
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Easy Pay Direct
Easy Pay Direct
Easy Pay Direct is the fastest safe way to process payments. We offer full service merchant accounts so you can worry less about account shutdowns, holds and reserves and focus more on your business. From its conception, Easy Pay Direct was designed to make your life easier. From our staff to the technology within the solution itself, we are here to help. Business owners need products that are efficient, effective, and, most importantly, easy to use. You have enough on your plate; processing credit cards should not be a headache. Easy and seamless integration to over 250 shopping carts, recurring billing, decline recovery, chargeback management, custom payment links, white glove customer service, plus so much more. Our customer service is here to help, and we are always a call, text, or email away whenever you need us. Find out why the nation's top entrepreneurs trust Easy Pay Direct. Notable clients: Grant Cardone, Frank Kern, Wes Watson, Fortune Builders & MoreStarting Price: 2.44% and 0.29 -
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Payrix
Payrix
Payrix is on a mission to be the global leader in embedded payments for vertical software businesses. We are committed to giving our clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix clients including Real Green Systems, Storable, iClassPro and SupporterHub have harnessed our unique, all-in-one platform — combined with a white-glove approach — that enables them to capitalize on the opportunities within embedded payments for growth, innovation, and transformation. -
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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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Paytia
Paytia
Take secure & compliant payments over the phone and get real-time authorisation. With Paytia your customers use their keypad to communicate card data securely. They're protected, trust in your business is increased — plus it's no longer exposed to fines and charges for breaking payment-security rules. Paytia’s PCI-DSS certified phone-payment solutions give your customers the same protection they expect which shopping in-store or online, which means you no longer need to hear or store their card data.Starting Price: From $11.10 -
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Mend
Mend
Mend is an enterprise-grade patient engagement and telehealth platform designed to help healthcare organizations profitably scale their practice and care for more patients. Founded in 2014, Mend is on a mission to revolutionize healthcare delivery so that every patient can receive extraordinary care. Mend makes it easy for healthcare providers to securely and efficiently communicate with their patients and colleagues, without concerns of violating HIPAA compliance or misplacing patient information. Mend provides integrated in-office and virtual care experiences for over 100 specialties with more than 5 million patients. Mend's comprehensive platform works hand-in-hand with all major EHR and PMS software to facilitate more than 400,000 telehealth visits per month, increase patient satisfaction by up to 23%, reduce no-show rates as low as 4%, radically improve staff productivity, and help providers drive more revenue through better patient attendance. -
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Instamojo
Instamojo
Collect payments, create free online stores, ship products, get loans and more to power your business. Collect payments online, create your free online store, buy domains, mailboxes, and more with Instamojo products, built to get you started. Manage online payments, orders, inventory, customer data, and more, from a single dashboard. Track payments, shipments, and leads, on mobile and desktop. Get cash flow loans, access growth and marketing tools, use several free online business solutions, to grow your revenue and customer base. Get add-on, exclusive features on the Instamojo Android app to power your business! Access your Instamojo links quickly for faster sharing. Share and schedule shipments & payments from the app. Enable faster payouts and check eligibility for small loans. Free ledger tool to keep track of payables & receivables. PCI-DSS certified payments, SSL certified websites and more to keep your business 100% safe.Starting Price: $40 per year -
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CM.com
CM.com
Mobile communication and payments solutions. Combine messaging channels like WhatsApp with innovative payments to create true Conversational Commerce. We help companies communicate. Our customers use SMS, Voice and the world’s most popular chat apps: WhatsApp, Apple Business Chat, Google RCS. Start the conversation in the channel your customers prefer and let the AI bot do the talking. Integrate commerce in the conversation to drive conversions. CM.com is a licensed Payment Service Provider, offering a range of options for any channel with Apple Pay, Google Pay, WeChat Pay, Credit Cards and local payments like iDeal and Bancontact. CM.com is also a Ticketing platform helping festivals, museums and stadiums sell and manage any type of ticket. The Customer Data Platform takes marketing to a personal level. Identity and e-sign solutions assure authentication in any transaction.Starting Price: $0/month -
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Mollie
Mollie
Mollie is a money management platform that powers growth for over 250,000 businesses – from startups to enterprises. It's a single platform to get paid and simplify your finances, with online and in-person payments, subscriptions, financing, reconciliation, invoicing, and fraud prevention tools. Get started in minutes with transparent pricing, no hidden fees, and no lock-in contract.Starting Price: €0.25 per transaction -
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Corefy
Corefy
Corefy is a payment orchestration and white-label infrastructure platform designed for payment institutions, PSPs, fintech companies, large merchants, and digital platforms managing complex payment operations. The platform consolidates fragmented payment stacks into a single configurable system for managing payments and payouts, routing and cascading logic, analytics, tokenisation, anti-fraud controls, and operational workflows. Instead of building and maintaining multiple direct integrations, businesses connect once to Corefy and gain access to 600+ pre-built connectors with global PSPs, acquirers, and alternative payment providers. At the core of the platform is a routing and cascading engine powered by 100+ attributes — including metadata — enabling granular control over transaction flows. Businesses can configure routing strategies based on geography, BIN, currency, risk parameters, or provider performance to optimise approval rates and manage risk.Starting Price: €2500/month -
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Qvalia
Qvalia
Qvalia is a platform for finance teams to automate processes and have complete control of transactions and financial data. We improve accounts receivable, accounts payable, and enable real-time spend analytics and line-item level accounting automation. Integration is easy and the pricing is transaction-based with 1-month cancellation. Accounts receivable with Qvalia Autobilling includes B2B checkout widget for e-commerce and automated invoicing, reconciliation, reminders, and more. Manage all your transactions quickly in one location. Send and receive e-invoices for free using the global e-invoice network PEPPOL or PDFs to email recipients. Manage subscriptions and recurring invoicing with a solution that simplifies and automates order-to-cash and B2B e-commerce sales. Kickstart the digital transformation of your finance processes and achieve 100% electronic supplier invoices with PDF Converter.Starting Price: €50 per month -
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CARDZ3N
CARDZ3N
CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different. We offer a wide range of services and solutions that help organizations achieve their vision, facilitate change, and maximize performance and productivity.
