# Best Payment Processing Software - Page 9 *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. ## 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%3Dfr%26page%3D9&secure%5Btoken%5D=c45afb55aa5ff16e88da2d63c9619d86b8bf69e32b054d900fff736ff842a329&secure%5Burl%5D=https%3A%2F%2Fwww.paysafe.com%2Fen%2Fenterprise%2Fg2-contact-sales%2Fpaid%2F%3Futm_source%3Dg2%26utm_medium%3Ddisplay%26utm_campaign%3D2026-ent-clicks%26utm_content%3Dcategory&secure%5Burl_type%5D=custom_url) --- ## Top-Rated Products (Ranked by G2 Score) ### 1. [FlexPoint](https://www.g2.com/products/flexpoint-flexpoint/reviews) FlexPoint is an accounts receivable and payment automation platform purpose-built for managed service providers (MSPs). Designed to streamline billing operations, FlexPoint helps MSPs accelerate cash flow, reduce manual work, and create a modern billing experience for their clients. With features like custom AutoPay rules, flexible payment schedules, secure client checkout, and integrated working capital tools, FlexPoint enables teams to spend less time chasing payments and more time delivering service. The platform also includes a branded client portal with multiple payment methods—credit card, Same-Day ACH, financing, and more—empowering MSPs to offer a seamless, self-service billing experience that drives faster payments and higher client satisfaction. **Average Rating:** 4.8/5.0 **Total Reviews:** 3 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [FlexPoint](https://www.g2.com/sellers/flexpoint-1ca74efc-86c3-44c9-8e2c-8c3021a92778) - **Year Founded:** 2021 - **LinkedIn® Page:** https://www.linkedin.com/company/getflexpoint **Reviewer Demographics:** - **Company Size:** 67% Small-Business #### Pros & Cons **Pros:** - Convenience (2 reviews) - Ease of Use (2 reviews) - Easy Integrations (2 reviews) - Easy Payments (2 reviews) - Invoicing Management (2 reviews) **Cons:** - Complex Setup (1 reviews) - Difficult Setup (1 reviews) - Implementation Challenges (1 reviews) - Poor Customer Support (1 reviews) - Setup Difficulty (1 reviews) ### 2. [Global Payments Integrated](https://www.g2.com/products/global-payments-integrated/reviews) Global Payments Integrated helps businesses succeed by delivering secure and personalized payment solutions, allowing developers of business management solutions to accept payments through their systems and add value to their software. While many processors offer payments tied to antiquated platforms designed to support stand-alone systems, the Global Payments Integrated platform provides custom, scalable and fast payment solution integration – accommodating the swiftly-shifting ways consumers pay for goods and services. With this visionary payment processing platform, Global Payments Integrated helps business management software companies grow their business through our embedded commerce services, bolster customer loyalty with unique payments solutions, and improve profitability. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Accounting integration:** 10.0/10 (Category avg: 8.4/10) **Seller Details:** - **Seller:** [Global Payments Integrated](https://www.g2.com/sellers/global-payments-integrated) - **HQ Location:** Atlanta, Georgia, United States - **Twitter:** @GPIntegrated (25,362 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/globalpaymentsintegrated/ (345 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 3. [goEmerchant](https://www.g2.com/products/goemerchant/reviews) GoEmerchant provides an affordable E-commerce solutions for small businesses. GoEmerchant provides all the tools you need: - Internet merchant account, - shopping cart software, - secure payment gateway, - E-commerce hosting, - website hosting, - marketing tools, - domain name registration. **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [goEmerchant](https://www.g2.com/sellers/goemerchant) - **Year Founded:** 1995 - **HQ Location:** Fort Worth, US - **Twitter:** @GoEmerchant (183 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/goemerchant.com (19 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 4. [GR4VY](https://www.g2.com/products/gr4vy/reviews) Gr4vy is a cloud-native payment orchestration platform designed to simplify and optimize payment processes for enterprise merchants and platforms. By offering a centralized, no-code environment, Gr4vy enables businesses to manage and customize their payment strategies efficiently, reducing complexity and accelerating time to market. With access to over 400 payment methods and providers through a single integration, merchants can create bespoke checkout experiences tailored to their customers' preferences. Gr4vy's infrastructure-as-a-service model ensures dedicated cloud instances, providing resilience, redundancy, and high performance, while maintaining PCI DSS Level 1 compliance to secure sensitive payment data. Key Features and Functionality: - Extensive Payment Method Access: Connect to over 400 payment methods and providers worldwide through a single integration, facilitating global expansion and customer satisfaction. - No-Code Rules Engine: Implement dynamic and intelligent routing and retry rules without the need for engineering effort, optimizing transaction success rates. - Customizable Checkout Experiences: Personalize payment options displayed to customers, enhancing user experience and conversion rates. - Secure Card Vaulting and Tokenization: Safely store and manage card data, ensuring compliance and reducing the risk of data breaches. - Dedicated Cloud Infrastructure: Utilize isolated cloud instances to eliminate single points of failure, ensuring high availability and performance. Primary Value and Problem Solved: Gr4vy empowers merchants to take full control of their payment ecosystems by simplifying the integration and management of multiple payment service providers and methods. This approach reduces the technical complexities and compliance burdens associated with payment processing. By offering a flexible, scalable, and secure platform, Gr4vy enables businesses to optimize their payment strategies, increase conversion rates, and expand into new markets swiftly, all while maintaining high performance and reliability. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Online payment portal:** 10.0/10 (Category avg: 8.6/10) - **Level 3:** 10.0/10 (Category avg: 7.8/10) - **Accounting integration:** 10.0/10 (Category avg: 8.4/10) **Seller Details:** - **Seller:** [GR4VY](https://www.g2.com/sellers/gr4vy) - **Year Founded:** 2020 - **HQ Location:** San Mateo, US - **LinkedIn® Page:** https://www.linkedin.com/company/gr4vy-inc/ (58 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business #### Pros & Cons **Pros:** - Easy Payments (1 reviews) **Cons:** - Integration Issues (1 reviews) ### 5. [Instant](https://www.g2.com/products/instant-2025-05-20/reviews) Instant is a powerful retention marketing and identity resolution platform built specifically for eCommerce brands looking to convert more site visitors and boost revenue. Traditional cookie tracking leaves massive gaps in the customer journey. Instant fills those gaps by helping merchants identify who’s visiting their site even if they haven’t logged in, opted in, or made a purchase. With Instant’s server-side tracking and first-party data capture, you can resolve anonymous traffic into real, high-intent profiles and turn them into revenue-driving touchpoints. Instant integrates directly with platforms like Shopify and Klaviyo making it easy to activate your data across all major channels. Trusted by over 500 top eCommerce brands, including ThirdLove, TRX, and Parisa Wang, Instant empowers teams to: Identify opted-in visitors in real time Trigger more personalized abandonment and re-engagement flows in Klaviyo Retarget high-intent shoppers across Meta and Google with precision Increase retention and customer lifetime value (LTV) with smarter flows Setup takes less than 15 minutes, and results are typically seen within days—not weeks. Whether you’re trying to fix abandoned cart recovery, improve email and SMS performance, or increase the ROI of your paid campaigns, Instant helps you make the most of your traffic. If you’re serious about retention, customer identity resolution, and scaling profitably without relying on third-party cookies, Instant is the solution built for you. **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Instant](https://www.g2.com/sellers/instant-8942794b-47fa-4d95-bedc-16782d579031) - **Year Founded:** 2021 - **HQ Location:** Sydney, Australia, AU - **LinkedIn® Page:** https://www.linkedin.com/company/tryinstant/ (94 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business #### Pros & Cons **Pros:** - Ease of Use (2 reviews) - CRM Integration (1 reviews) - Easy Integration (1 reviews) - Easy Integrations (1 reviews) - Efficiency (1 reviews) **Cons:** - Expensive (1 reviews) ### 6. [InvoiceCloud](https://www.g2.com/products/invoicecloud/reviews) InvoiceCloud is a leading provider of cloud-based electronic bill presentment and payment (EBPP) solutions, helping more than 3,250 utilities, government agencies, and insurance organizations modernize how they engage with customers. InvoiceCloud's SaaS platform drives higher digital payment, AutoPay, and paperless adoption rates—improving customer satisfaction while reducing costs, accelerating payments, and easing staff workloads. With a mission to make digital payments accessible for everyone, InvoiceCloud combines intuitive user experiences, omnichannel payment options, and AI-driven innovation to deliver secure, seamless billing at scale. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [InvoiceCloud](https://www.g2.com/sellers/invoicecloud) - **Year Founded:** 2009 - **HQ Location:** Boston, Massachusetts, United States - **LinkedIn® Page:** https://www.linkedin.com/company/invoice-cloud-inc (544 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 7. [iwoca Pay](https://www.g2.com/products/iwoca-pay/reviews) Get your invoices paid sooner by making it easier to pay with iwocaPay. Your customers choose to pay now or pay over 3 instalments, and you get paid up front every time. **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [iwoca](https://www.g2.com/sellers/iwoca) - **Year Founded:** 2011 - **HQ Location:** West End, GB - **LinkedIn® Page:** https://uk.linkedin.com/company/iwoca (501 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 8. [IXOPAY](https://www.g2.com/products/tokenex-ixopay/reviews) TokenEx is an enterprise-class tokenization platform that offers virtually unlimited flexibility in how customers can access, store and secure data. TokenEx works with multiple data-acceptance channels while maintaining a processor-agnostic approach, meaning we can tokenize and secure almost any data type – including PCI, PII, PHI and even unstructured data formats – and integrate with nearly any processor or endpoint. **Average Rating:** 4.6/5.0 **Total Reviews:** 17 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.9/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [TokenEx](https://www.g2.com/sellers/tokenex) - **Year Founded:** 2010 - **HQ Location:** Edmond, Oklahoma - **Twitter:** @TokenEx (1,209 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/1614702/ (22 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 47% Small-Business, 41% Mid-Market ### 9. [Karbon Business](https://www.g2.com/products/karbon-business/reviews) Karbon is a B2B payment solution for India's finance leaders, entrepreneurs, business owners, and corporate executives. We serve 3000+ teams across India, including decorated companies and tech unicorns. Karbon Card offers up to 15Cr free credit, no personal guarantee, unlimited employee cards for free & more. Karbon Payout offers vendor payment on credit, 24/7 payout, bulk processing, invoice management & more. 2019/7 - Launched and became an instant hit among Bangalore founders 2021/8 - Graduated from Y-Combinator (YC S21') among the top growth picks 2021/9 - Closed $12mn pre-A round 2022/2 - Closed $15mn A round **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Karbon](https://www.g2.com/sellers/karbon) - **Year Founded:** 2019 - **HQ Location:** Bengaluru, IN - **Twitter:** @KarbonIndia (184 Twitter followers) - **LinkedIn® Page:** https://in.linkedin.com/company/karbonbusiness (145 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 400% Small-Business, 200% Mid-Market #### Pros & Cons **Pros:** - Efficiency (4 reviews) - Ease of Use (3 reviews) - Spending Control (3 reviews) - Easy Payments (2 reviews) - Pricing (2 reviews) **Cons:** - Missing Features (4 reviews) - Integration Issues (2 reviews) - Lack of Customization (2 reviews) - Lack of Integration (2 reviews) - Limited Customization (2 reviews) ### 10. [LexisNexis Payment Solutions](https://www.g2.com/products/lexisnexis-payment-solutions/reviews) LexisNexis Payment Solutions supports government agencies of all types that want to operate more efficiently, reduce their PCI scope, and give customers an easy payment processing experience as well. Government agencies depend on receipt of funds to serve their citizens, and LexisNexis Payment Solutions makes sure they get those funds as quickly, affordably and painlessly as possible. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [LexisNexis](https://www.g2.com/sellers/lexisnexis) - **Year Founded:** 1970 - **HQ Location:** New York - **Twitter:** @NexisSolutions (1,262 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/lexisnexis/ (9,642 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 11. [Libeo](https://www.g2.com/products/libeo/reviews) Libeo enables SME business owners, financial directors and accountants across Europe to centralise and pay their supplier invoices in one click, without IBAN and without having to connect to their bank. The platform allows for end-to-end management of the purchasing cycle: - One single platform to manage and pay all your supplier invoices - Scans and sorts all of your invoices - Reduces manual processing errors and secures payments to prevent fraud - Digitization of your approval workflows - Simple and secure payments without using bank account details and without them having to go through their banking interface - Integration with several accounting tools Nearly 100,000 small businesses have joined Libeo to centralise and pay suppliers invoices like Eurosanté Private hospitals, Champagne Alain Edouard, Chateau Laguiole, Bodyguard app, Cali Sisters, Paname Collections or some franchises (Monoprix, Starbucks). Libeo has raised a total of £22M in funding since its creation in 2019. For more information [www.libeo.io](http://www.libeo.io) or contact us [hello@libeo.io](mailto:hello@libeo.io). **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Libeo](https://www.g2.com/sellers/libeo) - **Year Founded:** 2018 - **HQ Location:** Paris, FR - **LinkedIn® Page:** https://www.linkedin.com/company/getlibeo (48 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 12. [Lumino](https://www.g2.com/products/lumino/reviews) Lumino is a payment processing solution that facilitates transactions between a buyer and a seller, securely transferring funds from the buyer's account to the seller's account. It typically involves multiple steps, including authorization, authentication, and settlement, ensuring that payments are processed accurately and efficiently. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Online payment portal:** 10.0/10 (Category avg: 8.6/10) - **Level 3:** 10.0/10 (Category avg: 7.8/10) - **Accounting integration:** 10.0/10 (Category avg: 8.4/10) **Seller Details:** - **Seller:** [golumino](https://www.g2.com/sellers/golumino) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 13. [MagicBooking](https://www.g2.com/products/magicbooking/reviews) MagicBooking is a UK-based, family-founded platform created in 2015 and now used by more than 2,000 schools, MATs, clubs, and childcare providers. Originally developed for Wandsworth Council, it has grown into a nationwide solution recognised for innovation and user experience, earning awards such as EdTechX K12 Winner and Indigo Design Award Winner. Still led by its founding team, MagicBooking continues to scale with a strong reputation for reliability and customer support. The platform unifies bookings, payments, registers, communication, and day-to-day admin into one cloud-based system. It supports wraparound care, extracurricular clubs, trips, activities, and multi-site operations with 24/7 online booking, automated registers, instant payments, instalment plans, reminders, MIS integration, Tax-Free Childcare automation, and real-time financial reporting. Staff manage availability, capacities, safeguarding details, and parent messaging from a single dashboard, while families use a mobile-friendly portal for bookings and account management. MagicBooking helps organisations save 4–5 hours of admin each day, improves cash flow through automated payments and restrictions, and provides seamless communication through built-in email, SMS, and notifications. By reducing manual work and supporting compliance with Ofsted and GDPR, the platform enables schools, MATs, and clubs to run more efficiently, scale confidently, and deliver a smoother, more reliable experience for families. **Average Rating:** 4.8/5.0 **Total Reviews:** 4 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [MagicBooking](https://www.g2.com/sellers/magicbooking) - **Year Founded:** 2015 - **HQ Location:** London, GB - **Twitter:** @magicbooking (596 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/magicbooking (12 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business #### Pros & Cons **Pros:** - Ease of Use (3 reviews) - Easy Setup (3 reviews) - Efficiency (3 reviews) - Accessibility (2 reviews) - Customer Satisfaction (2 reviews) **Cons:** - Communication Delays (1 reviews) - Delays (1 reviews) - Difficult Setup (1 reviews) - Navigation Difficulty (1 reviews) - Navigation Issues (1 reviews) ### 14. [Maya](https://www.g2.com/products/voyager-innovations-maya/reviews) PayMaya is the only end-to-end digital payments ecosystem enabler in the Philippines, with platforms and services that cut across consumers, merchants, communities, and government. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Online payment portal:** 8.3/10 (Category avg: 8.6/10) **Seller Details:** - **Seller:** [Voyager Innovations](https://www.g2.com/sellers/voyager-innovations) - **Year Founded:** 2013 - **HQ Location:** Mandaluyong, PH - **LinkedIn® Page:** https://www.linkedin.com/company/mayaph (1,806 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 15. [Merchant One](https://www.g2.com/products/merchant-one/reviews) Merchant One is a payment processors, that services thousands of businesses across the country. Merchant One's Gateway product allows merchants to run sales via the web / mobile / API / Database, etc. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Merchant One](https://www.g2.com/sellers/merchant-one) - **Year Founded:** 2000 - **HQ Location:** Miami Beach, US - **Twitter:** @MerchantOneInc (95 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/merchant-one/ (54 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 16. [Modulr](https://www.g2.com/products/modulr/reviews) We're the digital platform removing the need to use your bank for bank accounts and payments. We automate your payment flows, embed payments within your platform, and enable you to build new payment products and services. All from one API. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Modulr](https://www.g2.com/sellers/modulr) - **Year Founded:** 2015 - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/modulr-finance (412 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 17. [Monetra](https://www.g2.com/products/monetra/reviews) For every payment application, from single-station point-of-sale to busy eCommerce sites and multi-site, multi-lane retail systems, Monetra has the features you need for fast, secure payment processing with the lowest transaction costs. **Average Rating:** 3.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Main Street Softworks](https://www.g2.com/sellers/main-street-softworks) - **Year Founded:** 2001 - **HQ Location:** Gainesville, US - **LinkedIn® Page:** http://www.linkedin.com/company/monetra (2 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market ### 18. [Nelnet Payment Services](https://www.g2.com/products/nelnet-payment-services/reviews) PaymentSpring - the all-in-one, developer-driven payment gateway for anyone taking payments online, in-person or on-the-go. This powerful payment processing gateway is designed for software platforms, businesses and nonprofits ready to accept more. Take a closer look. **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Nelnet](https://www.g2.com/sellers/nelnet) - **Year Founded:** 1996 - **HQ Location:** Lincoln, NE - **Twitter:** @Nelnet (17,560 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/165137/ (3,307 employees on LinkedIn®) - **Ownership:** 2017 **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 19. [Obopay](https://www.g2.com/products/obopay/reviews) Powering mobile payments worldwide **Average Rating:** 2.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Online payment portal:** 3.3/10 (Category avg: 8.6/10) - **Level 3:** 5.0/10 (Category avg: 7.8/10) - **Accounting integration:** 1.7/10 (Category avg: 8.4/10) **Seller Details:** - **Seller:** [Obopay](https://www.g2.com/sellers/obopay) - **Year Founded:** 2005 - **HQ Location:** Bangalore, IN - **Twitter:** @Obopay (2,943 Twitter followers) - **LinkedIn® Page:** http://www.linkedin.com/company/obopay (69 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Mid-Market #### Pros & Cons **Cons:** - Expensive (1 reviews) ### 20. [OnePay](https://www.g2.com/products/onepay-onepay/reviews) OnePay is a user-friendly omnichannel payment gateway for merchants and businesses in the B2B sector. We offer customized merchant transactions, efficient payments and extended security. With OnePay, businesses can manage their payments with simplicity and efficiency, ensuring compatibility and performance. Discover how OnePay can boost both customer satisfaction at www.onepay.com. **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Online payment portal:** 10.0/10 (Category avg: 8.6/10) - **Level 3:** 8.3/10 (Category avg: 7.8/10) - **Accounting integration:** 10.0/10 (Category avg: 8.4/10) **Seller Details:** - **Seller:** [OnePay](https://www.g2.com/sellers/onepay) - **HQ Location:** New York, US - **LinkedIn® Page:** https://www.linkedin.com/company/joinonepay/ (1,179 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business #### Pros & Cons **Pros:** - Customer Satisfaction (1 reviews) - Customer Support (1 reviews) - Ease of Use (1 reviews) - Easy Payments (1 reviews) - Payment Processing (1 reviews) **Cons:** - Limited Availability (1 reviews) - Payment Issues (1 reviews) ### 21. [Opn Payments](https://www.g2.com/products/opn-payments/reviews) Omise is an online payment management platform that allows businesses to securely accept payments over the internet. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Omise](https://www.g2.com/sellers/omise) - **Year Founded:** 2013 - **HQ Location:** Bangkapi, TH - **LinkedIn® Page:** http://www.linkedin.com/company/omisepayments (411 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 22. [Orbipay EBPP](https://www.g2.com/products/orbipay-ebpp/reviews) Highly scalable and designed for businesses and financial institutions of all sizes, Orbipay Electronic Bill Presentment & Payment (EBPP) is a completely configurable cloud-based billing and payments solution that’s built to adapt quickly to the changing needs of your business, your systems, and your consumers. Deliver e-bills seamlessly and accept bill or loan payments from users with easy access to the payment channels, payment types, and payment methods they expect. With more consumer options and better payment experiences, through a solution configured to your needs, you will see: Accelerated receivables Reduced operating costs Improved customer satisfaction and retention The Orbipay EBPP solution offers your customers the payment channels, payment methods, and payment options they demand. Choose to pay via: Customer Portal; Pay-by-Text; AI Chatbot; IVR; Bank Kiosk; Agent Choose their payment method: ACH; Credit (where permitted); Debit; Cash; Check; Apple Pay/Google Pay Choose their payment option: One-Time; Recurring; AutoPay **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Alacriti](https://www.g2.com/sellers/alacriti) - **Year Founded:** 2003 - **HQ Location:** Bridgewater, US - **LinkedIn® Page:** https://www.linkedin.com/company/770535 (355 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Enterprise #### Pros & Cons **Pros:** - Ease of Use (1 reviews) - Easy Integrations (1 reviews) - Easy Payments (1 reviews) - Efficiency (1 reviews) - Flexibility (1 reviews) ### 23. [Pay.com.au](https://www.g2.com/products/pay-com-au/reviews) Pay.com.au is an Australian business payments and rewards platform that enables companies to earn reward points on their everyday expenses, including payroll, supplier payments, and tax obligations. By integrating with existing credit cards and bank accounts, Pay.com.au allows businesses to maximize their reward potential, even for payments traditionally not eligible for points. Key Features and Functionality: - Flexible Payment Methods: Supports payments via credit cards and bank transfers, providing versatility in managing business expenses. - Comprehensive Rewards Program: Offers PayRewards points on all transactions, which can be redeemed for travel, gift cards, luxury items, or transferred to partner airline and hotel loyalty programs. - Broad Payment Coverage: Enables payments to a wide range of recipients, including the Australian Taxation Office , payroll, superannuation, rent, and contractors, even if they don't accept credit cards. - Cash Flow Management: Utilizes credit card interest-free periods to extend cash flow up to 55 days, aiding in better financial management. - Integration with Accounting Software: Seamlessly syncs transactions with Xero for effortless reconciliation and financial tracking. Primary Value and User Solutions: Pay.com.au addresses the challenge businesses face in earning rewards on essential expenses that typically don't qualify for points. By facilitating payments through their platform, companies can unlock additional value from their expenditures, improve cash flow management, and simplify the payment process. This solution is particularly beneficial for small to medium-sized enterprises seeking to maximize the benefits of their business spending. **Average Rating:** 2.5/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [Pay.com.au](https://www.g2.com/sellers/pay-com-au) - **Year Founded:** 2019 - **HQ Location:** Melbourne, AU - **LinkedIn® Page:** https://www.linkedin.com/company/pay-com-au (117 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 24. [PayDo](https://www.g2.com/products/paydo/reviews) PayDo is a UK-regulated EMI and Canadian-licensed MSB. We provide multi-currency IBAN, worldwide processing, Merchant solution, mass payouts and corporate cards issuing in one Business Account, one dashboard, one agreement and one API. Access global payment capabilities with a PayDo business account. Send and receive payments worldwide using SEPA, SEPA Instant, SWIFT, and local payment schemes in the UK, Denmark, and Germany. Choose from over 150 countries and 35 currencies to manage international payments, streamline payroll, and optimize your global cash flow—all from a single platform. With the ability to hold multiple IBANs within one account, you'll gain immediate access to foreign and domestic markets, expedited payments, and minimized fees. Plus, enjoy cost savings when receiving payments as if you were a local. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Level 3:** 10.0/10 (Category avg: 7.8/10) **Seller Details:** - **Seller:** [PayDo](https://www.g2.com/sellers/paydo) - **Year Founded:** 2017 - **HQ Location:** Saffron Walden, GB - **Twitter:** @paydofin (212 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/paydo (74 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ### 25. [Payfunnels](https://www.g2.com/products/payfunnels/reviews) PayFunnels makes receiving payments online simple and fast. **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Seller Details:** - **Seller:** [PayFunnels](https://www.g2.com/sellers/payfunnels) - **Year Founded:** 2015 - **HQ Location:** Houston, US - **LinkedIn® Page:** http://www.linkedin.com/company/payfunnels (4 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 100% Small-Business ## 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.