# Best Payment Processing Software - Page 19 *By [Subhransu Sahu](https://research.g2.com/insights/author/subhransu-sahu)* Payment processing software helps businesses securely handle and track business-to-business (B2B) payments from customers and to suppliers. It supports any organization that accepts non-cash payments by ensuring transactions are timely, accurate, and integrated with downstream financial systems. ### Core Capabilities of Payment Processing 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 - Support multiple payment methods such as credit card, ACH, or wire transfer - Define and track customizable payment rules, terms, and deadlines - Identify errors such as late payments, overpayments, or failed transactions - Integrate with ERP, accounting, or accounts receivable and accounts payable systems ### How Payment Processing Software Differs from Other Tools Payment processing software focuses on secure transaction handling and status verification, working closely with related tools such as [payment gateways](https://www.g2.com/categories/payment-gateways), [accounting software](https://www.g2.com/categories/accounting), [AP automation software](https://www.g2.com/categories/ap-automation), [e-commerce platforms](https://www.g2.com/categories/e-commerce-platforms), and [retail POS systems](https://www.g2.com/categories/retail-pos). Its distinguishing value lies in managing payment execution and error identification across diverse payment methods. ### Insights from G2 on Payment Processing Software Based on category trends on G2, the importance of reliable transaction approval, seamless integrations, and accurate detection of payment issues to maintain smooth financial operations. ## Category Overview **Total Products under this Category:** 539 ## Trust & Credibility Stats **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 20,600+ Authentic Reviews - 539+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## Best Payment Processing Software At A Glance - **Leader:** [PayPal Payments](https://www.g2.com/products/paypal/reviews) - **Highest Performer:** [Skyline Payments](https://www.g2.com/products/skyline-payments/reviews) - **Easiest to Use:** [Nickel](https://www.g2.com/products/nickel/reviews) - **Top Trending:** [Nickel](https://www.g2.com/products/nickel/reviews) - **Best Free Software:** [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) --- **Sponsored** ### Paysafe Paysafe is a global payments platform delivering high‑performance infrastructure for growing businesses. With over 30 years of experience, Paysafe enables secure, seamless transactions across card payments, digital wallets, local payment methods, and e-cash solutions. Our flexible, scalable platform connects digital and physical commerce, helping businesses operate confidently across markets, currencies and risk profiles. By adapting around your business, Paysafe lifts performance, resilience, and reliability, supporting growth where it matters most. [Visit company website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=1975&secure%5Bdisplayable_resource_id%5D=1975&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=page_category&secure%5Bplacement_resource_ids%5D%5B%5D=1975&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=16798&secure%5Bresource_id%5D=1975&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Fpayment-processing%3Flocale%3Des%26page%3D19&secure%5Btoken%5D=208ecccd7c1f98c368d1da469e4859db6829fbc3b753130a8ca2ad822b42e078&secure%5Burl%5D=&secure%5Burl_type%5D=custom_url) --- ## Top-Rated Products (Ranked by G2 Score) ### 1. [PaySpine Payment Gateway](https://www.g2.com/products/payspine-payment-gateway/reviews) PaySpine enables your customers to pay you in as many ways as possible, from anywhere around the world. If it's not easy for your customers to pay, or buy your service then you got a problem! **Seller Details:** - **Seller:** [Payspine](https://www.g2.com/sellers/payspine) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 2. [Paytram](https://www.g2.com/products/paytram/reviews) Seamless Credit Card Processing in Salesforce. Take payments, schedule recurring payments, and send payment links on your choice of gateways. **Seller Details:** - **Seller:** [Fast Track Digital](https://www.g2.com/sellers/fast-track-digital) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/fast-track-digital/ (6 employees on LinkedIn®) ### 3. [paywall](https://www.g2.com/products/paywall/reviews) Take Your Payment Transactions Beyond Borders Smart Forwarding "PayRoute", Payment Recovery "PayJump", Turnover Distribution "PayBalancer", Card Storage "CardWall", Fully Automatic "Marketplace", Subscription Management "Recurring payment", One Click "Global payments" and dozens of advanced modules. Join us now to grow your business with the advanced software infrastructure provided by PayWall! **Seller Details:** - **Seller:** [paywall](https://www.g2.com/sellers/paywall) - **LinkedIn® Page:** https://www.linkedin.com/company/paywallone/ ### 4. [Paywell](https://www.g2.com/products/paywell/reviews) PayWell acts as a one-stop solution for various payments through a large network of outlets, providing users the most convenient way to pay. **Seller Details:** - **Seller:** [CloudWell Limited](https://www.g2.com/sellers/cloudwell-limited) - **HQ Location:** WIGAN, GB - **Twitter:** @PaywallWatch (187 Twitter followers) - **LinkedIn® Page:** http://www.linkedin.com/company/paywell-ltd (1 employees on LinkedIn®) ### 5. [PayXT](https://www.g2.com/products/payxt/reviews) PayXT is a mobile invoicing application designed for field service professionals and contractors. The software enables users to generate itemized checkout links from their mobile devices and send them directly to clients via SMS text message. PayXT integrates with Stripe for secure payment processing and includes built-in tools for calculating localized sales tax and applying credit card convenience fees to the final invoice. The platform is designed to facilitate on-site payment collection without requiring external hardware readers or forcing clients to download a companion application to submit their payment. **Seller Details:** - **Seller:** [DTLA Professional Services](https://www.g2.com/sellers/dtla-professional-services) - **Year Founded:** 2014 - **HQ Location:** Los Angeles, US - **LinkedIn® Page:** https://linkedin.com/company/keyforecasts/ (1 employees on LinkedIn®) ### 6. [Payzli](https://www.g2.com/products/payzli/reviews) Payzli is an all-in-one payment processing platform that serves ISOs, ISVs, payment partners, and merchants across multiple channels. Built on Visa Platform Connect with direct access to Fiserv and TSYS processing networks, Payzli offers three integrated products: Payzli Connect - A payment CRM and partner portal featuring Bolt Residuals, the industry's first real-time earnings dashboard that lets partners track residual income as it happens. Payzli Transact - A Visa-powered online payment gateway with 72+ verified ERP and e-commerce integrations, supporting checkout flows, hosted payment pages, invoicing, and recurring billing with enterprise-grade security through tokenization and 3-D Secure authentication. Payzli POS - A point-of-sale system built specifically for beauty industry verticals including nail salons, hair salons, spas, and tattoo studios. Features include appointment booking, inventory management, customer engagement tools, staff management, and AI-powered review generation. Includes Tap to Phone capability for mobile payment acceptance. The platform serves both standard and high-risk merchant categories including CBD/hemp, firearms, gaming, and nutraceuticals, backed by strategic banking partnerships with Esquire Bank, Commercial Bank of California, and Wells Fargo. Payzli handles merchant onboarding digitally with in-house underwriting teams that respond within 1 business day, offers next-day deposit options, and provides live human support without ticket systems. **Seller Details:** - **Seller:** [Payzli](https://www.g2.com/sellers/payzli) - **Year Founded:** 2019 - **HQ Location:** Tampa, US - **LinkedIn® Page:** https://www.linkedin.com/company/payzli/ (61 employees on LinkedIn®) ### 7. [Peggy Pay](https://www.g2.com/products/peggy-pay/reviews) Peggy Pay is an all-in-one online business platform that helps entrepreneurs sell digital products, courses, consultations, and services through integrated payment, page-building, and marketing funnel tools. Designed for coaches, trainers, course creators, and independent business owners, Peggy Pay combines the functionality of a payment system, website builder, and sales funnel software into a single platform. It is primarily used in the Netherlands and Belgium and supports transactions through iDEAL, Bancontact, and over 20 additional payment methods. Core features include: - One intuitive builder to build payment pages, landingpages, websites and sales funnels - A template library full of useful templates, for inspiration or easy functional start - Build payment pages for selling one-time purchases, installment plans, and subscriptions - Lightning fast landingpages and websites - A subscription management system with automated billing, trial periods, a customer portal, and automated follow-up - Sales funnel creation with upsells, downsells, order bumps, and lead capture pages Peggy Pay also includes form building with conditional logic, automatic invoicing, EU VAT handling, and webhook and SDK support for custom integrations. The platform is hosted in the Netherlands and targets users who want to manage their online business without combining multiple separate tools. It is suited for users who need more payment configuration options than standard payment processors offer, such as customizable installment structures, flexible subscription terms, or simultaneous management of multiple products. Peggy Pay offers a free trial period that ends automatically without requiring payment details. Paid plans are available on a monthly or annual basis. **Seller Details:** - **Seller:** [Peggy Pay](https://www.g2.com/sellers/peggy-pay) - **Year Founded:** 2017 - **HQ Location:** Rijssen, NL - **LinkedIn® Page:** https://www.linkedin.com/company/18586178/ (2 employees on LinkedIn®) ### 8. [Plick](https://www.g2.com/products/plick/reviews) Plick allows you to make irrevocable payments throughout Europe (SEPA area), without knowing the IBAN of the recipient, simply by identifying the latter through the phone number or e-mail address. **Seller Details:** - **Seller:** [PayDo](https://www.g2.com/sellers/paydo-d4078913-0de8-45c6-ae65-a842ab2c3540) - **Year Founded:** 2017 - **HQ Location:** Milano, IT - **LinkedIn® Page:** https://www.linkedin.com/company/plicksrl (11 employees on LinkedIn®) ### 9. [Polar](https://www.g2.com/products/polar-software-polar/reviews) Polar builds a monetization platform that offers pricing models, seamless payment processing, automated tax compliance, and detailed analytics, allowing developers to streamline operations and enhance customer lifecycle management for their digital offerings. **Seller Details:** - **Seller:** [Polar Software](https://www.g2.com/sellers/polar-software-22165850-522a-4bde-8ac1-28a5d10e76ee) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 10. [Pospratik](https://www.g2.com/products/pospratik/reviews) It is a mobile compatible, 3D secure supported e-collection system that provides TL or foreign currency collections from dealers and sub-dealers. **Seller Details:** - **Seller:** [Pospratik](https://www.g2.com/sellers/pospratik) - **Year Founded:** 2010 - **HQ Location:** Ataşehir, TR - **LinkedIn® Page:** https://www.linkedin.com/company/pospratik (3 employees on LinkedIn®) ### 11. [Postilion for Merchants](https://www.g2.com/products/postilion-for-merchants/reviews) Postilion for Merchants is a fully integrated suite of products in the general and specialty, grocery, fuel and fashion/health/beauty industries that manages electronic payments as well as value-add services such as gift cards and prepay. **Seller Details:** - **Seller:** [ACI Worldwide](https://www.g2.com/sellers/aci-worldwide) - **Year Founded:** 1975 - **HQ Location:** Coral Gables, US - **Twitter:** @ACI_Worldwide (8,599 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/5063 (4,935 employees on LinkedIn®) - **Ownership:** NASDAQ: ACIW ### 12. [PPRO](https://www.g2.com/products/ppro/reviews) Our infrastructure gives you access to everything you need to expand and optimise your payment services. And we mean everything. Card schemes, payment methods, fraud screening tools, and other essential products – all accessible through one cloud-native tech stack, powered by next-gen orchestration. So why build when you can plug in and start scaling? **Average Rating:** 4.7/5.0 **Total Reviews:** 12 **Seller Details:** - **Seller:** [PPRO](https://www.g2.com/sellers/ppro) - **Year Founded:** 2006 - **HQ Location:** London, England - **Twitter:** @PPRO_Payments (1,847 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/ppro/ (493 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 13. [Profituity](https://www.g2.com/products/profituity/reviews) Profituity is a web-based payment processing solution which enables subscription-based businesses to offer ACH as a payment option to their customers. With tools for automating recurring ACH payments, processing e-checks, representment, and verification, Profituity aims to simplify payment processing for businesses and automate daily processes. **Seller Details:** - **Seller:** [Profituity](https://www.g2.com/sellers/profituity) - **Year Founded:** 1989 - **HQ Location:** Wexford, US - **LinkedIn® Page:** https://www.linkedin.com/company/profituity-llc/ (7 employees on LinkedIn®) ### 14. [Pymt](https://www.g2.com/products/pymt/reviews) 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. **Seller Details:** - **Seller:** [Pymt](https://www.g2.com/sellers/pymt) - **Year Founded:** 2011 - **HQ Location:** Birmingham, US - **LinkedIn® Page:** https://www.linkedin.com/company/pymtpos/ (1 employees on LinkedIn®) ### 15. [Qolo](https://www.g2.com/products/qolo/reviews) Qolo is a comprehensive B2B payments platform designed to simplify and streamline financial operations for businesses. Established in 2018, Qolo offers an integrated solution that combines card issuing, ledger management, and payment processing into a unified system. This approach enables enterprises to manage various payment types efficiently, reducing operational complexities and costs. By providing direct access to all payment rails and account types through a single API, Qolo empowers businesses to launch faster, scale effectively, and gain real-time visibility into every payment flow. Key Features and Functionality: - Quantum Ledger: A unified ledger system that integrates directly with payment rails, allowing businesses to manage all payment types without fragmented systems. This ensures real-time reconciliation, transparency, and control over financial operations. - Qinetic Issuing: Enables the seamless launch and scaling of debit, prepaid, and credit card programs. With real-time fund movement and reconciliation, businesses can issue physical, digital, or virtual cards instantly, maintaining complete transparency over funding and transactions. - Qascade Money: Facilitates effortless money movement across banks, providing access to various payment rails, including ACH, wire transfers, RTP, and push-to-card, all through a single API. - Security: Employs advanced layered fraud detection systems and host-based cryptography to secure data at the database field level, ensuring that only authorized key holders have access. Primary Value and Solutions Provided: Qolo addresses the challenges of fragmented and complex payment systems by offering a unified, flexible platform that integrates card issuing, ledger management, and payment processing. This consolidation allows businesses to reduce operational burdens, enhance efficiency, and focus on growth. By providing real-time visibility and control over financial transactions, Qolo empowers enterprises to manage payments effectively, reduce expenses, and navigate the evolving financial landscape with confidence. **Seller Details:** - **Seller:** [Qolo](https://www.g2.com/sellers/qolo) - **Year Founded:** 2018 - **HQ Location:** Fort Lauderdale, US - **LinkedIn® Page:** https://www.linkedin.com/company/qolo/ (69 employees on LinkedIn®) ### 16. [Qomodo](https://www.g2.com/products/qomodo/reviews) Qomodo helps businesses thrive by enabling people to more confidently face the important and often unexpected expenses of life (such as healthcare, the well-being of their animals, the reliability of vehicles and essential tools for living and working). **Seller Details:** - **Seller:** [Qomodo](https://www.g2.com/sellers/qomodo) - **Year Founded:** 2023 - **HQ Location:** Milan, IT - **LinkedIn® Page:** https://www.linkedin.com/company/qomodofintech/ (98 employees on LinkedIn®) ### 17. [Quidkey](https://www.g2.com/products/quidkey/reviews) Quidkey is an Account to Account (A2A) payment solution that lets shoppers pay directly from their bank. Our predictive algorithm surfaces the customer’s bank at checkout, boosting trust and conversion while eliminating fraud and chargebacks. Businesses get paid within 1 to 2 business days from local and international customers, while saving over 60 percent on fees. **Seller Details:** - **Seller:** [Quidkey](https://www.g2.com/sellers/quidkey) - **Year Founded:** 2023 - **HQ Location:** Miami, US - **LinkedIn® Page:** https://www.linkedin.com/company/quidkey (7 employees on LinkedIn®) ### 18. [Qvalent](https://www.g2.com/products/qvalent/reviews) Qvalent, a wholly owned subsidiary of Westpac Banking Corporation, specializes in providing web-based software and support services designed to streamline financial business processes for organizations across the public, private, and not-for-profit sectors. Established in 1997 and based in Newcastle, Australia, Qvalent offers solutions that encompass accounts receivable, accounts payable, superannuation, and payroll event reporting. Their products are fully integrated with banking systems, granting access to major payment channels, including credit cards and direct entry, thereby serving over 50,000 business customers in Australia and New Zealand. Key Features and Functionality: - iLink: Provides multiple host-to-host connectivity options, enabling direct connection to banking services. - PayWay: Offers a simple and secure solution with multiple payment channels, facilitating easy customer payments. - PaymentsPlus: Delivers a multi-channel online payment solution supporting various payable needs. - QuickStream: Empowers sophisticated businesses to receive and manage payments through an extensive range of APIs. - QuickSuper: Manages payments and administration of employee super contributions online, including reporting facilities to government and fund administrators. - BankRec: An all-in-one solution for bank statement reconciliation, maximizing the ability to reconcile payments via multiple channels. Primary Value and Solutions Provided: Qvalent's suite of products addresses the complexities of financial transactions by offering integrated, secure, and scalable solutions that enhance operational efficiency. By automating and streamlining processes such as accounts payable and receivable, superannuation, and payroll reporting, Qvalent reduces manual workload, minimizes errors, and ensures compliance with industry standards. Their commitment to security, evidenced by continuous adherence to the Payment Card Industry Data Security Standard (PCI DSS for over a decade, provides clients with confidence in the protection of sensitive financial data. **Seller Details:** - **Seller:** [Qvalent](https://www.g2.com/sellers/qvalent) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 19. [Reach](https://www.g2.com/products/reach-2025-04-14/reviews) Reach is a modular merchant of record built to fit your existing commerce stack, not replace it. We enable brands to sell locally in 70+ countries by handling the liability of tax compliance, fraud, and cross-border payments. Unlike traditional solutions, Reach operates behind the scenes. You keep your existing platform (Shopify, Magento, etc.) and your high-converting checkout, while we assume the risk. No redirects, no replatforming, and no need to set up local entities. Just compliant global growth with the tools you already use. **Average Rating:** 3.3/5.0 **Total Reviews:** 2 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 6.7/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Reach](https://www.g2.com/sellers/reach-67de01d1-cfba-4b7f-ae5a-c58c70bf6fad) - **Year Founded:** 2016 - **HQ Location:** Calgary, CA - **Twitter:** @with_reach (212 Twitter followers) - **LinkedIn® Page:** https://ca.linkedin.com/company/with-reach (156 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 20. [Remitly Business](https://www.g2.com/products/remitly-business/reviews) Remitly is a digital remittance service on a mission to make the money transfer process faster, affordable, and more transparent. Established in 2010, Remitly is headquartered in Seattle, Washington, United States. **Seller Details:** - **Seller:** [Remitly](https://www.g2.com/sellers/remitly) - **Year Founded:** 2011 - **HQ Location:** Seattle, US - **Twitter:** @remitly (15,103 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/2261199/ (3,369 employees on LinkedIn®) - **Ownership:** NASDAQ: RELY ### 21. [Rev.io](https://www.g2.com/products/rev-io/reviews) Rev.io is the only provider to seamlessly integrate native communications billing, PSA, RMM, EDR and secure payment processing, delivered through a single AI-native platform. Purpose-built for IT MSPs, Telecom and Cloud Communications Service Providers, Security Integrators and other field service businesses, Rev.io empowers organizations to streamline operations, accelerate revenue growth, and deliver standout customer experiences across the entire service lifecycle. Rev.io’s next-generation platform was built with AI at it's core. From intelligent ticket routing, predictive scheduling, and automated dispatching to dynamic billing, anomaly detection, and real-time analytics, AI in Rev.io drives smarter decisions, reduces manual work, and improves operational efficiency. With Rev.io, providers manage the full customer journey - from quote to cash - within a single, unified, cloud-based solution. The platform automates onboarding, ticketing, inventory tracking, usage-based and recurring billing, tax compliance, secure payments, and performance reporting. Built for flexibility and scalability, Rev.io helps businesses launch new services faster, adapt to market shifts, and grow with confidence. Trusted by thousands of service providers nationwide, Rev.io combines deep industry expertise with a future-focused roadmap and a commitment to client success. With AI embedded throughout, Rev.io is redefining what modern service providers can achieve. Rev.io provides service providers a single platform for: • Customer management • Quoting • Ticketing • Time tracking • Scheduling • Dispatch • Inventory management • Project management • Billing (recurring and usage-based) • Payments Processing • Customer Portal • RMM • EDR • Cloud Backup • Intelligent Reporting & Analytics • AI Assistant • Mobile Application Learn more about the Rev.io platform and schedule your personalized demo at www.rev.io **Average Rating:** 3.9/5.0 **Total Reviews:** 14 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 7.8/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Rev.io PSA formerly Tigerpaw One](https://www.g2.com/sellers/rev-io-psa-formerly-tigerpaw-one) - **Year Founded:** 2002 - **HQ Location:** Atlanta, GA - **Twitter:** @rev_io_hq (448 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/rev.io/ (196 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Telecommunications - **Company Size:** 50% Mid-Market, 43% Small-Business #### Pros & Cons **Pros:** - Customer Support (1 reviews) - Ease of Use (1 reviews) - User Interface (1 reviews) **Cons:** - Billing Issues (2 reviews) - Access Limitations (1 reviews) - Accuracy Issues (1 reviews) - Complexity (1 reviews) - Complex Processes (1 reviews) ### 22. [Revitpay](https://www.g2.com/products/revitpay/reviews) Revitpay is a leading payment processing solutions provider, dedicated to helping businesses streamline their payment operations and maximize their revenue potential. We specialize in connecting merchants with the best payment processors in the industry. Our team of experts works tirelessly to ensure our clients receive competitive rates, reliable service, and ongoing support throughout their payment processing journey. **Seller Details:** - **Seller:** [Revitpay](https://www.g2.com/sellers/revitpay) - **Year Founded:** 2014 - **HQ Location:** Cleveland, US - **LinkedIn® Page:** https://www.linkedin.com/company/revitpay/ (22 employees on LinkedIn®) ### 23. [Safepay](https://www.g2.com/products/safepay-safepay/reviews) SafePay protects clients and service providers with secure, escrow-style payments. No ghosting. No chasing money. Just safe, simple transactions. **Seller Details:** - **Seller:** [Safepay](https://www.g2.com/sellers/safepay-6d07a491-458c-45c0-b61c-bb2bc4540c90) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/safepayhq/ (1 employees on LinkedIn®) ### 24. [ShaBaas Pay](https://www.g2.com/products/shabaas-pay/reviews) ShaBaas Pay is an Australian real time payments platform built for small and medium businesses that want faster settlement better cashflow visibility and modern payment infrastructure without unnecessary complexity. ShaBaas Pay enables businesses to accept and manage payments using real time bank to bank transfers cards and digital wallets through a single platform. Funds are settled directly to the business bank account with full transparency helping businesses improve liquidity reduce reliance on traditional card based payments and simplify reconciliation. The platform supports real time payments via PayID and PayTo along with card and wallet payments including Apple Pay and Google Pay. Businesses can use hosted checkout QR payments invoicing and APIs to embed payments into their workflows while maintaining a seamless customer experience. ShaBaas Pay is designed for Australian operating realities where cashflow timing settlement transparency and compliance matter. Unlike global payment providers such as Stripe Square and PayPal that prioritise card centric models and delayed settlement ShaBaas Pay focuses on real time payments direct bank settlement and local regulatory alignment. This makes it particularly suitable for Australian small businesses service providers and platforms that want predictable cashflow and lower payment friction. The platform is also built with accountants bookkeepers and developers in mind. It offers structured reporting configurable payout schedules API based payment automation and sub merchant onboarding to support reconciliation operational efficiency and scalable growth. Partner level reporting and platform capabilities make ShaBaas Pay suitable for marketplaces and vertical SaaS providers. ShaBaas Pay operates as a Corporate Authorised Representative of an Australian Financial Services Licence holder and follows strong compliance security and governance standards. The platform is designed to be reliable transparent and practical for everyday business use. Awards and recognition ShaBaas Pay is a winner of the APAC Payments Excellence Awards 2025 in the category of Best Payment Start Up Innovation and has also been recognised as a Finnies finalist, reflecting its leadership in real time payments innovation and support for Australian small businesses. ShaBaas Pay is ideal for Australian businesses platforms and payment led products looking for a modern real time payments solution that goes beyond basic payment acceptance. **Seller Details:** - **Seller:** [ShaBaas Pay](https://www.g2.com/sellers/shabaas-pay) - **Year Founded:** 2024 - **HQ Location:** Sydney, AU - **Twitter:** @shabaasfinance (3 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/shabaas/ (2 employees on LinkedIn®) - **Phone:** 0280948092 ### 25. [Shape](https://www.g2.com/products/shape-technologies-limited-shape/reviews) Shape is a customisable web payments-platform-as-a-service application. The product enables payment businesses to create their own platforms with complete transaction management functionality. Merchants onboarding and verification, billing plans, invoicing, funds tracking, fraud prevention and many other features are already pre-developed and ready-to-use right away. Due to its modular architecture, users can shape their business with the exact set of features they require - no unnecessary add-ons. Customising modules and setting up the desired payment platform features takes just a few minutes to understand as there is no code involved. Learn more at shape-technologies.com **Seller Details:** - **Seller:** [Shape Technologies Limited](https://www.g2.com/sellers/shape-technologies-limited) - **Year Founded:** 2023 - **HQ Location:** Bristol, GB - **LinkedIn® Page:** https://www.linkedin.com/company/shape-technologies (2 employees on LinkedIn®) ## Parent Category [Payment Software](https://www.g2.com/categories/payment) ## Related Categories - [Payment Gateways](https://www.g2.com/categories/payment-gateways) - [Accounts Receivable Software](https://www.g2.com/categories/accounts-receivable) - [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment) --- ## Buyer Guide ### What You Should Know 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. ### Trends Related to Payment Processing Software **Mobile payments —** Today, many customers use their phones as their primary payment method. While there are some security risks and not all stores accept mobile payments, many customers will take advantage of this option. **Cryptocurrencies —** Businesses and customers alike are looking into the possibility of using cryptocurrencies, despite many issues. The added security is attractive across the board, but requires additional technology to be user-friendly. **Digital wallets —** Similar to mobile payments, digital wallets make it easier to pay without using a credit or debit card. These services send money between friends, but can easily send money to businesses as well. ### Software and Services Related to Payment Processing Software **Payment gateways —** [Payment gateways](https://www.g2.com/categories/payment-gateways) are the first step to using a payment processor since they collect and verify all the payment information. Some payment processors include a payment gateway, but many gateways work with a variety of unaffiliated processors. **E-commerce platforms —** [E-commerce platforms](https://www.g2.com/categories/e-commerce-platforms) require a payment processor to complete online purchases since cash is not possible. Some e-commerce platforms come with built-in payment gateways and processors, but some require choosing one to integrate with the e-commerce platform. A well-integrated payment gateway or payment processor creates a seamless purchasing experience for customers. **POS systems —** [POS systems](https://www.g2.com/categories/pos) require a payment processor to complete any transaction made using a credit or debit card. Some POS systems come with an integrated payment processor but can choose their own depending on the POS system they use. **Payment analytics —** [Payment analytics software](https://www.g2.com/categories/payment-analytics) integrates with payment gateways and payment processors to analyze payment data. These analytics provide real-time insight into business performance to make informed business decisions.