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.

Page 2 | Best Payment Processing Software: User Reviews from October 2026

Birdeye

Birdeye builds AI coworkers for multi-location brands — trusted by the world's largest enterprise brands, including Aspen Dental, Sun Auto, and Caesars Entertainment. We give you AI coworkers at every location, across marketing, operations, and customer experience, that own the jobs your business needs done: winning AI visibility, booking appointments, and driving consistent CX. AI Coworkers → Own the Jobs Jay (marketing), Myna (operations), and Robin (customer experience) own the work across your locations — from AI search visibility, reviews, listings, and social, to front desk and appointment booking, to surveys, ticketing, and insights. An agent carries out an action, but it doesn't own an outcome. A coworker holds a job. Agents give you capacity; coworkers give you ownership. Your team manages three coworkers instead of thirty agents — and the work gets done at every location, without stretching anyone thinner. Agents → Do the Work Each coworker orchestrates multiple agents that work together to complete a job, and how those agents work is what makes us different. Most software tells you what's happening; ours decides what to do and does it. That runs on BirdAI, our Agent OS: it consolidates every signal across every location, whether it lives in Birdeye or one of your 3,000+ integrations; reasons with your industry, brand, and location context, backed by 13 years of multi-location data infrastructure; and acts — autonomously or with a human in the loop, your call per workflow. So one review, one campaign, one missed call becomes a finished outcome, not a line item in a dashboard. Enterprise-Ready → Built for Scale SSO, audit logging, HIPAA, SOC 2, and GDPR. Role-based access, tiered approvals, and location-level reporting give corporate and local teams the control they need — so you stay in control while AI handles execution across hundreds of locations. With teams across the U.S., U.K., Australia, and India, Birdeye serves multi-location brands in healthcare, dental, restaurants, financial services, auto, retail, and property management.

Average Rating: 4.7/5.0

Total Reviews: 4,133

How Do G2 Users Rate Birdeye?

Has the product been a good partner in doing business?: 9.4/10 (Category avg: 8.8/10)
Self Service Portal: 9.0/10 (Category avg: 8.6/10)
Level 3: 8.5/10 (Category avg: 7.8/10)
Accounting integration: 8.5/10 (Category avg: 8.4/10)

Who Is the Company Behind Birdeye?

Seller: Birdeye
Company Website:
Year Founded: 2012
HQ Location: Palo Alto, CA
Twitter: @BirdEye_
5,232 Twitter followers
LinkedIn® Page: www.linkedin.com
1,477 employees on LinkedIn®

Who Uses This Product?

Who Uses This: Owner, Marketing Manager
Top Industries: Hospital & Health Care, Real Estate
Company Size: 46% Small, 34% Medium

What Do G2 Reviewers Say About Birdeye?

AI-generated summary from verified user reviews

Pros

Users value the ease of use of Birdeye, appreciating its intuitive navigation and efficient support team.
Users appreciate the efficiency in managing reviews with Birdeye, making feedback response quick and streamlined.
Users appreciate the efficiency in review management offered by Birdeye, streamlining customer feedback in one platform.
Users appreciate the fast and responsive customer support provided by Birdeye, enhancing their overall experience.
Users appreciate the centralized platform of Birdeye, simplifying patient engagement and reputation management efficiently.

Cons

Users feel the lack of missing features limits Birdeye's potential, wishing for more reports and integrations.
Users notice the need for improvement in the AI chatbot, as it struggles with complex queries and implementation issues.
Users find the dashboard challenging to navigate, especially when managing multiple locations and utilizing the search function.
Users experience a noticeable learning curve with Birdeye, especially when navigating its features initially.
Users note that Birdeye has limited features for review management, impacting the effectiveness of customer interactions.

What Are Recent G2 Reviews of Birdeye?

"A Powerful Tool for Managing Multiple Offices Efficiently"

Rating: 5.0/5.0 stars

— Gina .

Best Payment Processing Software - Page 2

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Category Stats (Oct 2026)

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G2 Grid® for Payment Processing Software

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