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 November 2026

EBizCharge

EBizCharge is the leading 𝗲𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗮𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻 for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP. 𝗖𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝘂𝘀𝗲 𝗘𝗕𝗶𝘇𝗖𝗵𝗮𝗿𝗴𝗲 𝘁𝗼: ◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart ◉ Speed up collections with built-in billing tools: email pay, payment links, online customer portal, recurring billing, auto pay, saved cards, mobile pay, and more ◉ Automate billing and reconciliation to save time and reduce errors ◉ Reduce risk with enterprise-grade security and PCI-compliance ◉ Consolidate all payment processing needs with their all-in-one payments platform ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ HOW IT WORKS IN YOUR ERP, CRM, & E-COMMERCE PLATFORMS EBizCharge integrates natively with your ERP, CRM, or e-commerce platform through certified software connections, so payments work directly inside the system you already use. Capture pre-authorizations, deposits, sales, and invoice payments from your ERP screens - no separate portals or manual posting. Customers pay through invoice links, branded portals, email pay, or in person, and every payment automatically syncs back to your system for accurate balances and reconciliation. ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ FEATURES • Accept credit card, debit card, and ACH payments 𝗻𝗮𝘁𝗶𝘃𝗲𝗹𝘆 in your ERP, CRM, or shopping cart • Send 𝗲𝗺𝗮𝗶𝗹 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗹𝗶𝗻𝗸𝘀 directly to customers for faster invoice collections • Process 𝗯𝗮𝘁𝗰𝗵 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 to efficiently handle multiple invoices at once • Let customers set up 𝗿𝗲𝗰𝘂𝗿𝗿𝗶𝗻𝗴 𝗯𝗶𝗹𝗹𝗶𝗻𝗴 for subscriptions and automatic invoice payments • Provide a secure 𝗼𝗻𝗹𝗶𝗻𝗲 𝗽𝗼𝗿𝘁𝗮𝗹 where customers can view and pay invoices anytime • Securely 𝘀𝗮𝘃𝗲 𝗰𝗮𝗿𝗱𝘀, with automatic tokenization for maximum security • Run transactions in the office or on the go with 𝗘𝗠𝗩 𝘁𝗲𝗿𝗺𝗶𝗻𝗮𝗹𝘀 • Take 𝗺𝗼𝗯𝗶𝗹𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 anywhere, anytime with the EBizCharge Mobile App • Accept 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗰𝘂𝗿𝗿𝗲𝗻𝗰𝗶𝗲𝘀 seamlessly • 𝗘𝗻𝘁𝗲𝗿𝗽𝗿𝗶𝘀𝗲-𝗴𝗿𝗮𝗱𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 with PCI compliance, tokenization, encryption, fraud protection, and certified by the PCI-Security Council • 𝗡𝗲𝘅𝘁-𝗱𝗮𝘆 deposits to your bank account • Ability to 𝘀𝘂𝗿𝗰𝗵𝗮𝗿𝗴𝗲 • Dedicated 𝗶𝗻-𝗵𝗼𝘂𝘀𝗲 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 team located in the Irvine, CA headquarters ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ EMBEDDED PAYMENT SOLUTIONS FOR: • 𝗘𝗥𝗣/𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗶𝗻𝗴: Acumatica, Dynamics 365 AX, Dynamics 365 Business Central, Dynamics 365 F&O, Dynamics GP, Dynamics NAV, Dynamics SL, Epicor 10, Epicor 9, Epicor Kinetic, Infor CloudSuite Distribution, Infor CloudSuite Industrial, Kechie ERP, Macola, NetSuite, Odoo ERP, Oracle EBS Financials, Oracle Fusion, QuickBooks Desktop, QuickBooks Online, Sage 100, Sage 50, Sage 500, Sage BusinessWorks, Sage Intacct, SAP B1, SAP B1 Cloud, SAP B1 HANA, SAP B1 SQL, SAP ECC • 𝗖𝗥𝗠: Microsoft Dynamics CRM, Odoo CRM, Salesforce, Zoho CRM • 𝗲𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗲 / 𝗦𝗵𝗼𝗽𝗽𝗶𝗻𝗴 𝗖𝗮𝗿𝘁𝘀: Adobe Commerce, AspDotNetStoreFront, BigCommerce, CIMCloud, Drupal Commerce, Dynamicweb, Magento 1 & 2, nopCommerce, OmegaCube, OpenCart, osCommerce, Sana Commerce, SuiteCommerce, WooCommerce, ZenCart • 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝘁𝘆 / 𝗣𝗢𝗦 / 𝗢𝘁𝗵𝗲𝗿: Epic (MyChart), Avanue Customer Portal, BlueCherry, FASTTRAK, Ground Alliance, Hudson, Insight Works, Jigx, Paradigm Accounting, Parttrap, PDI Enterprise, POS365, Roima, RUX Software, Serrera Consulting Group, Sod Solutions, Turf Logistics, iBistro, Smartwerks, TylerNet ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ COMPANY INFORMATION With over 21 years in business, EBizCharge is based in Irvine, CA and has grown to process billions in transactions every year for more than 400,000 users across the U.S. and Canada. Recent Awards & Recognition: 2025 • Inc. 5000: Fastest-Growing Private Companies in America • USA TODAY: Top Workplace • Top Workplace: Financial Services Industry • Grand Stevie Award: Highest-Rated New Product or Service of the Year • Gold Stevie Award: Payments Solution • Gold Stevie Award: FinTech Solution • Bronze Stevie Award: Financial Management Solution • People’s Choice Stevie Award: Financial Management, Payments, and FinTech Solution • Gold Globee Award: Payment Processing, Digital Payment, and FinTech Solution • Gold Globee Award: FinTech, Financial Services, Payments, and Banking Disruptors • Gold Globee Award: Emerging FinTech and Payment Solutions Disruptors 2024 • Inc. 5000: Fastest-Growing Private Companies in America • PayTech Awards USA: Best Embedded Payments Solution • OC Register: Top Workplace, Orange County • Gold Globee Award: FinTech Solution • Gold Stevie Award: Best FinTech and Financial Management Solution • & more 2023 - 2018 • Inc. 5000: Fastest-Growing Private Companies in America (2023, 2020, 2019, 2018) • More awards at ebizcharge.com/awards

Average Rating: 4.8/5.0

Total Reviews: 100

How Do G2 Users Rate EBizCharge?

Has the product been a good partner in doing business?: 9.7/10 (Category avg: 8.8/10)
Self Service Portal: 9.4/10 (Category avg: 8.6/10)
Level 3: 8.4/10 (Category avg: 7.8/10)
Accounting integration: 9.2/10 (Category avg: 8.4/10)

Who Is the Company Behind EBizCharge?

Seller: EBizCharge
Company Website:
Year Founded: 2004
HQ Location: Irvine, CA
LinkedIn® Page: www.linkedin.com
219 employees on LinkedIn®

Who Uses This Product?

Who Uses This: Controller
Top Industries: Wholesale, Manufacturing
Company Size: 74% Small, 25% Medium

What Do G2 Reviewers Say About EBizCharge?

AI-generated summary from verified user reviews

Pros

Users appreciate the ease of use of EBizCharge, enjoying seamless integration and intuitive payment processing.
Users praise the seamless payment processing integration of EBizCharge, enhancing cash flow and user experience effortlessly.
Users praise the excellent customer support of EBizCharge for quick responses and effective problem resolution.
Users praise the seamless integration of EBizCharge with Acumatica, enhancing payment processing within their existing system.
Users value the easy integrations of EBizCharge, allowing seamless payment processing within their existing ERP system.

Cons

Users face challenges with error handling, leading to manual payment imports and sync issues with accounting software.
Users notice limited features in EBizCharge, particularly in mobile functionality and UI modernization.
Users have faced slow performance with EBizCharge, occasionally experiencing delays when loading certain features.
Users face software bugs with EBizCharge, causing manual payment imports and syncing difficulties with Acumatica.
Users face technical issues with EBizCharge, such as sync problems, manual imports, and limited mobile functionality.

What Are Recent G2 Reviews of EBizCharge?

"Great System and easy to use."

Rating: 5.0/5.0 stars

— Verified User in Hospital & Health Care

Best Payment Processing Software - Page 2

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Category Stats (Nov 2026)

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G2 Grid® for Payment Processing Software

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