Top Free Payment Processing Software

Check out our list of free Payment Processing Software. Products featured on this list are the ones that offer a free trial version. As with most free versions, there are limitations, typically time or features.

If you'd like to see more products and to evaluate additional feature options, compare all Payment Processing Software to ensure you get the right product.

Results: 19
(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

Kevin M.
The ability to not be confined to a single gateway. The presence of the software across many software platforms, and the service the team behind... Read review
Jenny C.
- The ability to be independent of Payment Gateway is a huge benefit. So down the road it is easy to move to a Payment provider with lower fees... Read review
(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

I like how everything matched in QBO so well. All I do it click match after uploading/syncing transactions from Synder. Read review
Jeremy A.
Setup in 5 minutes and chat support from Anastasia was fantastic. Data transferred cleanly and exactly as I wanted it accounted for. The... Read review
(32)4.4 out of 5

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

William L.
I use Paypal and PIN payments for international and some domestic sales payments. I have used PIN payments for over a year and found it an... Read review
I have been thrilled with pinpayments since moving over from accepting cc via paypal. Their rates were good, ease of use was much better, and their... Read review
(6)4.7 out of 5

Merchant accounts for any business looking to accept payments. We offer invoicing, website integrations, ACH, and any equipment you may need.

Easy credit card processing system that allows a fast pace work environment with no delay. Read review
Buffy, out account representative. She is just AMAZING. Always gets back to us on time and is very helpful! I will not go back to any other... Read review
(33)4.4 out of 5
Entry Level Price:$400 Per Year

HoneyBook helps creative small business owners simplify their business process from first inquiry to final payment, so they can grow their business and enjoy the freedom of being their own boss. Core Features: - Invoices - Proposals - Online payments - Scheduling - Contact form and lead management - Branded brochures - Bookkeeping - Quickbooks integration - Automatic payment reminder - Client portal + login

Carendylyn L. W.
Out of several CRM plat-forms I tested on a trial basis, such as 17 Hats, and Social Tables to name a few, HoneyBook seemed to be the most easiest... Read review
Mandy H.
It's super user friendly, clean, organized, and the customer service is AMAZING! They are constantly updating and adding to the system and it's so... Read review
(1)5.0 out of 5
Entry Level Price:$0 Month

Accept Payments in QuickBooks & Freshbooks. Fully Integrated Payments, Easy as 1-2-3. One-click integration connects most major accounting packages with your existing payment gateway. In less than 5 minutes payments will automatically reconcile in real-time, saving hours of effort daily. Chargezoom's integrated payment solution works with over 20 popular payment gateways; nothing to change, no transaction fees, just point, click and integrate! Two-Way Sync Payment Dashboard eInvoicing / Pa

Setup was quick and easy, it took about 5 minutes and I was all set. I liked not having to install software on my computer and that I didn't have... Read review
(20)4.8 out of 5
Entry Level Price:$75 USD per month

Practice Ignition combines your proposal, contract and client payment in to one smart document. It helps you win more clients, do less admin and streamline your business. Build proposals in seconds that include your terms of service (contract). Collect payments on your proposals for one-off or recurring payments. Monitor and grow your business with the business intelligence dashboard.

Paul M.
it is so easy to use support is excellent Read review
Steve B.
Once you have spent the time to set up your practice details & service details, this software enables you to really push the up sell to your new &... Read review
(1)4.0 out of 5

Create work orders, in-take customer signature or process any type of payment for an outstanding retail experience

Ankit G.
POS with a good booking in system for repairs. Flexible with ability to personalise many departments of the software. the ability to provide portal... Read review
(8)4.8 out of 5
Entry Level Price:$200 per month

Spreedly is the last payments API you'll ever need. Connect once to our complete payments infrastructure via a single API. Use vaulted, tokenized card data to transact with multiple payment APIs and payment gateways worldwide. With Spreedly, you complete more transactions, in more markets, with more partners. All while keeping your business flexible -- and card data secure and PCI compliant. See the complete list of hundreds of payment end-points and payment gateways that we connect with.

After looking at various options, Spreedly was a no-brainer, both in terms of price and ease of use. As a multi-brand company that cross-sells... Read review
We love how easily and thoroughly Spreedly integrates with all of our available payment options. The implementation team we worked with made the... Read review
0 ratings

Checkout X provides a checkout experience that works. It simplifies the checkout process for shoppers to make sure there are no obstacles for them to finish the purchase, driving better results and additional revenues for the retailers. Our desktop and mobile-optimized checkout solution is something that will improve your customer experience and help you create returning buyers.

0 ratings
Entry Level Price:$ 299 Unlimited users

MYFUNDBOX is a central hub for your subscription business. Launch, monetize, and manage the entire order-to-revenue process on a single platform. MYFUNDBOX Subscriptions has been built from the ground up for easy integration and complete automation.

0 ratings

It is a mobile compatible, 3D secure supported e-collection system that provides TL or foreign currency collections from dealers and sub-dealers.

0 ratings

Point of Sale made simple. Helping small businesses thrive. Pymt combines full-featured POS software with modern hardware to create an affordable solution that merchants and their customers love.

0 ratings
Entry Level Price:$29.99 Month

SHTAR™ is a B2B payment processing solution that interfaces existing accounting software applications (e.g. QuickBooks, etc) with bank payment platforms, streamlining automation, and eliminating manual processes for the payor, bank, and payee. SHTAR™ automates payments and syncs transaction-related data directly from the accounting software to the recipient for ACH, RTP, wire, and card payments. It eliminates double entry, automates bank account reconciliation, and provides easy transaction app

0 ratings
Entry Level Price:From £49 per month

The Shuttle payments platform is for software vendors who need to enable multiple payment providers within their own software. Shuttle provides one API to the worlds leading payment providers. It's more than just a connector, it comes with the key components required to setup and take payments. Plus view all payments across all merchants and all payment providers. Software providers use our product because it has what they need to enable payments for their customers quickly. They can grow new

0 ratings

Sila provides a complete payments API for ACH Payment Processing, Bank Account Linking, Bank Account Balance Check, KYB and KYC identity verification, Digital Wallets, and Crypto-to-Fiat on-ramps.

0 ratings
Entry Level Price:Free

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

0 ratings
Entry Level Price:$49.95 per month

Total-Apps's Video Checkout for Facebook helps you increase your revenue Increase the number of people who purchase your product by eliminating unnecessary clicks to checkout. Now your audience will stay engaged with your brand, even as they complete their payment information directly in the news feed. Be Everywhere Your Video is Shared on Facebook When customers share your video on Facebook with their friends and family, your product overlay stays with the video. There’s no risk of breaking

0 ratings
Entry Level Price:0 1

Trolley is a payments solution that works with any website - or over email, WhatsApps or SMS. Backed by Stripe, we help you to sell products, subscriptions, digital downloads or anything else you want, simply by pasting a few lines of HTML into any website.

Top 10 Free Payment Processing Software in 2021

  • Chargent
  • Synder
  • Pin Payments
  • Payline
  • HoneyBook

Learn More About Payment Processing Software

What You Should Know About 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.