Star Rating
Languages Supported
Pricing Options

Payment Processing reviews by real, verified users. Find unbiased ratings on user satisfaction, features, and price based on the most reviews available anywhere.

Best Payment Processing Software

Payment processing software provides businesses with the means to process customer credit card payments either in person or online. Payment processing software may also integrate with online wallets or other digital payment methods to provide an alternative to credit card payments. Businesses can use payment processing software to facilitate customer transactions, be they in a storefront or through an e-commerce website. Any business that accepts payments in a method other than cash can benefit from payment processing software. By completing transactions quickly and securely, payment processing software ensures that business proceeds as normal and that merchants are paid efficiently.

Payment processing software often includes or integrates with payment gateways, since the gateway is used by e-commerce software to collect a customer’s payment details and securely transmit them to the payment processor. As a result, payment processing software is often used in conjunction with e-commerce platforms and retail POS software.

To qualify for inclusion in the Payment Processing category, a product must:

Collect customer payment information and relay it to a bank for approval or denial
Transmit approval or denial of a transaction back to the customer or merchant
Provide payment data to merchants
Allow merchants to send or receive payments using a variety of methods, such as credit cards, online wallets, or other digital payment methods

Top 10 Payment Processing Software

  • Amazon Pay
  • Venmo for Business
  • Stripe Payments
  • GoCardless
  • PayPal Here
  • Square Payments
  • VisionPLUS
  • EBizCharge
  • Synder
  • CyberSource

Compare Payment Processing Software

G2 takes pride in showing unbiased reviews on user satisfaction in our ratings and reports. We do not allow paid placements in any of our ratings, rankings, or reports. Learn about our scoring methodologies.
Sort By:
Results: 258
View Grid®
Adv. Filters
(122)4.2 out of 5

Amazon Pay makes it simple for hundreds of millions of customers around the globe to pay for products and services using the information already stored in their Amazon accounts. It’s a familiar buying experience from a brand customers know and trust. Increase your customer reach Amazon Pay can help you acquire and retain customers by leveraging the trust they place on Amazon and offering buyers a seamless shopping experience. Help reduce cart abandonments Amazon Pay’s fast & easy checkout

(173)4.5 out of 5

Give customers a seamless payment option with Venmo at checkout on your mobile website or app, and reap the social benefits of the Venmo platform—far beyond the moment of purchase.

(90)4.4 out of 5

A complete payments platform engineered for growth.

(114)4.8 out of 5
Optimized for quick response

GoCardless is Made for Recurring Payments. We’re the global leader in recurring payments and the world's largest bank to bank direct debit platform helping businesses accept payments in over 30 of the world’s largest economies. GoCardless takes the pain out of getting paid for more than 55K businesses worldwide, from enterprise to small businesses. Our clients range from small businesses to household names such as DocuSign, TripAdvisor and The Guardian. Our focus is on collecting payments for

(29)4.5 out of 5

With the PayPal Here app and your choice of card readers, you can get paid on-the-go or in your store - for just 2.7% per US swipe transaction.

(109)4.6 out of 5

Square works for every business.

(16)4.3 out of 5

VisionPLUS is a proven global software payment solution offering choice for platform, operating system, deployment mode, and payment products to best meet market and business needs. Combined with First Data’s payments experience VisionPLUS® provides multiple business benefits

(52)4.8 out of 5

The leader in integrated B2B Payments. Payment gateway capable of processing payments inside your CRM/ERP, accounting system or online shopping carts such as QuickBooks, Microsoft Dynamics, SAP, Acumatica, Oracle, Netsuite, Epicor, Sage, Magento, WooCommerce and more. EBizCharge also offers fully PCI compliant mobile and tablet solutions. EBizCharge is developed and supported by Century Business Solutions

(44)4.6 out of 5
Entry Level Price:$19.99/mo 1

Synder is a business software for online payments management and bookkeeping. It powers up finance and accounting management for companies that receive payments from Shopify/Stripe/PayPal/Square and helps enhance sales with online credit card payments. Here’s what you can do: 1. Synchronize online payment systems with accounting - Import ongoing and historical online transactions with all the details from Shopify, Stripe, PayPal, and Square into the accounting platforms like QuickBooks (Online

Innovate and grow with confidence. One connection to our cloud-based platform enables merchants to safely accept payments across multiple sales channels, worldwide. Integrated payment, fraud, and security management services speed time-to-market, streamline operations and provide a centralized view of transaction activity.

(15)4.7 out of 5

BillingTree is the proven payments technology company that is focused on helping you offer a variety of payment channels to boost the overall customer experience. The company’s CareView and Payrazr omni-channel payment platforms empower your customers to experience a frictionless payment experience that will generate more payments and revenue for your business. With the most robust payment technologies in the industry and fanatical customer support, BillingTree provides integrated payment platf

(18)3.9 out of 5

Intuit GoPayment is a complete mobile payment gateway for small to medium sized businesses. The transaction software allows you to instantly process all major credit cards with a card reader plugin and mobile application. The app can also request a customer signature for additional security and can email or print receipts.

(34)4.8 out of 5

Plate IQ puts your clients' needs first with an AP automation platform that supports their custom workflow needs and provides critical business insights Benefits: • Pay Invoices Online Plate IQ empowers you to schedule and pay your invoices effortlessly via ACH, check and virtual cards, right from the Plate IQ platform • Truly Scalable Approval Policies For Your Clients With unlimited seats, you can add as many approvers as you need to your client's approval workflows. Create as many custom

(16)4.6 out of 5
Optimized for quick response

PDCflow is a robust payment hub that empowers accounts receivable teams to engage consumers through digital communication and payment channels. The software gives businesses flexibility and control over secure payment collection methods that include email, text, online payments, IVR, and web chat. Accounts receivable teams can execute business communications faster through the digital channels consumers prefer while maintaining data privacy and compliance requirements. Customizable templates ca

(21)4.4 out of 5

Founded in 1979, Electronic Payment Exchange (EPX) is a full-service credit card, debit card, stored value, and electronic check (ACH) payment transaction processor with over $18 billion in annual processing volume. Leveraging its unmatched expertise in processing security allows EPX to offer merchants the most secure and cost-effective payment processing services. As a wholly owned subsidiary of North American Bancard Holdings, a leader in the electronic payment processing industry, EPX continu

(57)4.5 out of 5
Optimized for quick response
Entry Level Price:$3000+ per year

Chargent is the top-rated payment solution on the Salesforce AppExchange for credit card, eCheck and recurring billing. Chargent puts you in control of your payments, managing everything 100% natively in Salesforce, so you can capture revenue faster, eliminate duplicate data entry, and improve order and invoicing processes. Chargent includes connections to 30+ payment gateways, such as CyberSource,, PayPal and Stripe, as well as integrations to accounting systems such as Accounting

(11)4.9 out of 5

APS Payments, a REPAY company, offers omni-channel B2C and B2B integrated payment solutions for every business. APS Payments is a gateway and processor that is trusted by thousands of merchants daily to process payments and works diligently to offer the lowest credit card processing rates, reduce risk, and provide the best payment solutions for customers. With payment integrations to many leading ERP and eCommerce platforms like Acumatica, AccountMate, Adagio, Sage, SAP Business One, Magento,

(54)4.0 out of 5
Optimized for quick response

WePay helps online platforms increase revenue through integrated payments processing. The company has uniquely enabled more than 1,000 platforms including Constant Contact, GoFundMe, and Meetup to incorporate payments so their users can start getting paid in minutes, all without compromising on their user experience or taking on risk and regulatory exposure. In a mobile world, WePay’s integrations with Apple Pay and Android Pay for the Web help ensure high transaction conversions, while the comp

(32)4.4 out of 5

Pin Payments provides your business with a platform for accepting payments online.

(76)4.0 out of 5
Optimized for quick response

BlueSnap provides an All-in-One Payment Platform designed to accelerate commerce for B2B and B2C businesses. Our Platform supports online and mobile sales, marketplaces, subscriptions, invoice payments and manual orders through a virtual terminal. With a single-integration to our Platform you can accept any payment with ease. The Platform includes access to 100 payment types, including popular e-wallets, built-in world class fraud prevention to protect your sales and detailed analytics to help y

(73)3.6 out of 5
Entry Level Price:2.9% + $.30

Braintree is a payments company that provides elegant tools for developers and white-glove support

(19)4.0 out of 5

With Sage you get everything to process payments under one roof: underwriting, customer support and loss prevention.

(15)3.5 out of 5

An innovative and secure solution for omnichannel payments, the BluePay Gateway has been recognized by industry experts and customers as an award-winning choice for credit card processing. With high impact capabilities like direct-to-bank ACH, integrated EMV, enhanced fraud tools, merchant defined tokens, card account updater, and simplified reporting, the BluePay Gateway makes payments efficient and versatile. BluePay supports the needs of all merchants, from small to medium size businesses

(14)3.8 out of 5

Orbital® Payment Gateway enables online payment processing for the most basic storefronts or for highly integrated e-commerce systems.

(17)3.0 out of 5

CardConnect is a leading provider of payment processing and technology solutions, helping more than 67,000 organizations – from independent coffee shops to iconic global brands – accept billions of dollars in card transactions each year. Since its inception in 2006, CardConnect has developed advanced payment solutions backed by patented, PCI-certified point-to-point encryption (P2PE) and tokenization. The company’s small-to-midsize business offering, CardPointe, is a comprehensive platform tha

(28)3.8 out of 5

Worldpay is a leading global payments technology and services company that seamlessly integrates payments processing and inventory management, backed by detailed business analytics that help businesses make informed decisions to grow. The company offers services across the entire payments value chain in any environment: in-store, online and via mobile devices.

(14)4.0 out of 5

Our flagship offering gives you the best of both worlds: full payment processing with merchant services AND our secure payment gateway. Merchants and ISVs can save time and money by getting all their payment processing services directly from Shift4.

(13)4.9 out of 5
Entry Level Price:$50 per hour

Swipesum is your outsourced Chief Payments Officer. Our software finds any business the best solution at the lowest price and then manages the health of that account. Oversee & get connected to multiple Acquirers, PSP, Payment Gateways, Banks using one API. Our capabilities include: - Solutions Due Diligence - Integrated Payments - Payment Gateway - Recurring Billing - Statement Audits - Payment Facilitation - Payments for Marketplaces - Chargeback protection - Processor evaluation - Interc

(15)3.8 out of 5

The Openbravo Commerce Suite is a multichannel retail business solution built on top of a truly modular, mobile-enabled and cloud-ready technology platform that allows retailers to transform their physical store channel and do more and faster, with lower risks. All this being a must in today’s omnichannel retail reality to provide great shopping experiences to your customers and successfully embrace change and innovation. It offers a unique store solution including a responsive web and mobile

(8)4.4 out of 5

Heartland turns more shoppers into buyers and processes payments securely and quickly.

Select Grid® View
Select Company Size
G2 Grid® for Payment Processing
Filter Grid®
Filter Grid®
Select Grid® View
Select Company Size
Check out the G2 Grid® for the top Payment Processing Software products. G2 scores products and sellers based on reviews gathered from our user community, as well as data aggregated from online sources and social networks. Together, these scores are mapped on our proprietary G2 Grid®, which you can use to compare products, streamline the buying process, and quickly identify the best products based on the experiences of your peers.
High Performers
Braintree Direct
Orbital Payment
Opayo by Elavon
Amazon Pay
Plate IQ
Venmo for Business
QuickBooks GoPayment
Pin Payments
PayPal Here
Square Payments
Stripe Payments
APS Payments
Shift4 Payments
Market Presence

Learn More About Payment Processing Software

What is Payment Processing Software?

Payment processing software powers credit and debit card purchases. When customers make a purchase online, they enter their payment and shipping information into a payment gateway. The payment gateway gives that payment information to the payment processor, which then communicates with both the customer’s and merchant’s banks to complete the transaction. The transaction’s success or failure is reported back to the payment gateway and the customer. In a brick-and-mortar store, a customer’s credit or debit card is swiped into a point of sale (POS) system, which communicates with a payment processor to approve or deny the purchase. Many payment processors charge a fee for each transaction based on the size of the purchase.

Some payment processors have an embedded payment gateway or POS system to create a seamless experience. Any time a credit or debit transaction is attempted, a payment processor is needed. With the rise of digital wallets, payment processors have expanded their functionality to include digital currency and the transfer of money from a source such as Venmo or PayPal to an e-commerce or brick-and-mortar store. Some can process an e-check or set up recurring payments.

Key Benefits of Payment Processing Software

  • Processing payments made by credit, debit, and gift cards as well as digital wallets
  • Creating a seamless experience for customers
  • Determining whether or not payment is valid before fulfilling an order or completing a transaction
  • Communicating with a variety of banks to accept payment from anywhere in the world

Why Use Payment Processing Software?

Security — Payment information is extremely sensitive, so it needs protection. Payment processing software is held to high security standards to protect this sensitive information.

Scalability — A small business can use the same payment processor as a large enterprise, with little difference in functionality. Payment processors operate behind the scenes, and companies pay fees to use them. If a small business picks the right payment processor when it starts out, it may never need to change payment processors as their needs increase. Some payment processors handle billing and invoicing, so some internal processes are covered.

Flexibility — Most payment processors handle a wide variety of payments. All payment processors process credit and debit cards, but more are accepting payments from digital wallets, cryptocurrencies, and electronic checks. Some facilitate automatic payments to provide consumers and merchants an added convenience of regular payments. The more options provided to the consumer, the more opportunities a merchant has to make a sale, so it’s in a business’ best interest to utilize a payment processor with a variety of features.

Who Uses Payment Processing Software?

E-commerce businesses — E-commerce businesses rely on payment processing software because that is how they receive all payments. Payment processors integrate with the payment gateway an online business uses or the payment processor has its own payment gateway. Some e-commerce platforms have built-in gateways or processors, eliminating the need to choose a specific one.Because payment processors typically charge fees for each transaction, an e-commerce business needs to be mindful of the processor they choose because all their transactions are carried out by the payment processor.

Brick-and-mortar businesses — Brick-and-mortar businesses use payment processors to process credit cards and other non-cash payments. Typically, a processor is integrated with the POS system used by the store, but an all-in-one POS system might include a payment processor. Since most shoppers use some kind of card to make purchases, a payment processor is a necessity.

Business to business businesses — Every business collects payments in one form or another but businesses that cater to serving other businesses have a unique challenge. Some payment processors are equipped to accept e-checks and lines of credit, and integrate with billing and invoicing software to ensure payments are made and the proper documentation is created. Recurring and automatic payments are useful if a business functions on a subscription model.

Payment Processing Software Features

Encryption — Credit card and other payment information is extremely sensitive and must be protected from hackers and other threats. A good payment processor has strong encryption and likely more than one type of encryption to keep both customer and merchant data safe. If data is stolen the consequences can be dire for a business.

Reports and analytics — Some payment processors provide regular reports based on activity. This helps financial management import payment into analytics software. Knowing how customers make payments and ensuring they match a business’ revenue is crucial.

Processing fees — Many payment processors function by adding a small fee to each transaction. This is often a flat fee plus a percentage of the actual purchase. Some processors have different fee structures, but fees are nearly universal. Fee amounts vary slightly depending on the processor or based on the type of payment used.

E-commerce integration — Payment processor integration into e-commerce stores creates a seamless experience for customers when shopping online. Shoppers input both their payment information and their shipping information at the same time, and the business receives payment and all relevant information to fulfill the order quickly.

POS integration — For storefronts, payment processors integrated with a POS system create a seamless and quick checkout process so the stores receive payment on the spot and customers walk out with their purchase.

Payment methods — More payment methods accepted by a payment processor, means more customers. This includes mobile payments and cryptocurrencies like Bitcoin. Many payment processors accept certain credit cards or work with specific currencies.

Additional Payment Processing Features

E-signatures — Some payment processors allow users to digitally sign (usually using a finger to write) their credit card purchase. This provides added security measures and prevents fraud. This is typically a feature of mobile and tablet-based POS systems integrated with a payment processor. E-commerce purchases do not typically require a signature because they cross-check billing addresses and the security code on the credit card.

Receipts — Some POS systems generate digital or physical receipts. This allows both the merchant and the customer to maintain records. Online purchases use email receipts that can be printed if necessary. For in-store purchases, digital receipts can be emailed or texted.

Card readers — For physical purchases using a credit card, a card reader is important for streamlining the process. It’s much faster to swipe a card or read the chip than manually input the credit card information. Many tablet-based POS systems have a stand that includes a card reader, but for those using a mobile phone, some kind of mobile reader is required. These may plug directly into the phone or connect via Bluetooth.