# Best Payment Processing Software for Medium-Sized Businesses

  *By [Subhransu Sahu](https://research.g2.com/insights/author/subhransu-sahu)*

   Products classified in the overall Payment Processing category are similar in many regards and help companies of all sizes solve their business problems. However, medium-sized business features, pricing, setup, and installation differ from businesses of other sizes, which is why we match buyers to the right Medium-Sized Business Payment Processing to fit their needs. Compare product ratings based on reviews from enterprise users or connect with one of G2's buying advisors to find the right solutions within the Medium-Sized Business Payment Processing category.

In addition to qualifying for inclusion in the Payment Processing Software category, to qualify for inclusion in the Medium-Sized Business Payment Processing Software category, a product must have at least 10 reviews left by a reviewer from a medium-sized business.





## 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.



---

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### 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.



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---

## Top-Rated Products (Ranked by G2 Score)
  ### 1. [PayPal Payments](https://www.g2.com/products/paypal/reviews)
  PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 2,661

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.1/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.1/10 (Category avg: 8.6/10)
- **Level 3:** 8.4/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.6/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [PayPal](https://www.g2.com/sellers/paypal)
- **Company Website:** https://www.paypal.com/
- **Year Founded:** 1998
- **HQ Location:** San Jose, CA
- **Twitter:** @PayPal (1,109,635 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1482/ (36,575 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Manager
  - **Top Industries:** Information Technology and Services, Computer Software
  - **Company Size:** 62% Small-Business, 23% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (470 reviews)
- Easy Payments (323 reviews)
- Convenience (236 reviews)
- Security (235 reviews)
- Speed (224 reviews)

**Cons:**

- High Fees (233 reviews)
- Expensive (195 reviews)
- Poor Customer Support (108 reviews)
- Excessive Fees (105 reviews)
- High Transaction Fees (102 reviews)

  ### 2. [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews)
  BILL is a financial operations platform that provides intelligent accounts payable and accounts receivable automation for businesses. This software solution is designed to help small and midsize businesses streamline and manage their financial workflows by digitizing and automating manual processes. By centralizing financial tasks, BILL AP/AR provides greater efficiency, visibility, and control over a company’s cash flow. The AP automation software helps users manage invoice processing, approvals, and payments, while also offering tools for expense management. BILL AP/AR belongs is accounts payable automation software that serves a broad audience, including business owners, finance managers, accounting firms, accounts payable specialists, and controllers. Typical use cases for BILL AP/AR involve digitization and automation of invoice capture, routing bills for approval, scheduling and executing payments, reconciling transactions, and managing expense reports and reimbursements. The platform also integrates with popular accounting systems to facilitate accurate bookkeeping and financial reporting. Key features and benefits of BILL AP/AR include: - Comprehensive AP automation software capabilities including electronic invoice receipt, automated data extraction, customizable approval workflows, and multi-method payment processing (ACH, wire transfers, checks) - Corporate cards integration through BILL Spend & Expense (formerly Divvy) that offers credit limits from $500-$5M and automated expense management software with real-time spending controls and budget management - Expense management automation featuring receipt capture, automatic categorization, policy compliance monitoring, and seamless integration with accounting systems for streamlined reconciliation - Accounts receivable optimization tools that automate invoice delivery, payment processing, collections management, and customer communication to accelerate cash flow - Advanced security and compliance measures with bank-level encryption, fraud protection, and audit trails that meet industry standards for financial data protection - Two-way sync with accounting software such as QuickBooks, Xero, NetSuite, and others to reduce manual data entry By bringing together accounts payable automation, corporate cards, and expense management in a single platform, BILL AP/AR helps finance teams reduce payment cycle time, minimize human error, and improve vendor relationships by ensuring timely and accurate transactions.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 1,775

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.2/10 (Category avg: 8.6/10)
- **Accounting integration:** 9.4/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [BILL (previously Bill.com)](https://www.g2.com/sellers/bill-previously-bill-com)
- **Company Website:** https://www.bill.com/
- **Year Founded:** 2006
- **HQ Location:** San Jose, CA
- **Twitter:** @billcom (17,240 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/bill/ (3,362 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Controller, Accountant
  - **Top Industries:** Accounting, Non-Profit Organization Management
  - **Company Size:** 61% Small-Business, 28% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (622 reviews)
- Easy Payments (301 reviews)
- Integrations (249 reviews)
- Easy Setup (248 reviews)
- Time-saving (241 reviews)

**Cons:**

- Payment Issues (177 reviews)
- Missing Features (166 reviews)
- Technical Issues (153 reviews)
- Invoicing Problems (145 reviews)
- Vendor Management (139 reviews)

  ### 3. [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews)
  Amazon Pay makes it simple for hundreds of millions of customers around the globe to pay for products and services using the information already stored in their Amazon accounts. It’s a familiar buying experience from a brand customers know and trust. Increase your customer reach Amazon Pay can help you acquire and retain customers by leveraging the trust they place on Amazon and offering buyers a seamless shopping experience. Help reduce cart abandonments Amazon Pay’s fast & easy checkout process, built on years of Amazon’s innovation in checkout optimization can help increase conversions & lower cart abandonments for buyers using their existing Amazon accounts. Match the way your customers like to shop Amazon Pay delivers a seamless checkout experience across desktop, mobile, and voice – making it easy for customers to make purchases wherever they are.


  **Average Rating:** 4.5/5.0
  **Total Reviews:** 566

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.2/10 (Category avg: 8.6/10)
- **Level 3:** 8.6/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.8/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Amazon](https://www.g2.com/sellers/amazon)
- **Year Founded:** 1994
- **HQ Location:** Seattle, WA
- **Twitter:** @amazon (5,919,028 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1586/ (754,926 employees on LinkedIn®)
- **Ownership:** AMZN

**Reviewer Demographics:**
  - **Who Uses This:** Software Engineer, Student
  - **Top Industries:** Information Technology and Services, Computer Software
  - **Company Size:** 57% Small-Business, 31% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (21 reviews)
- Easy Payments (16 reviews)
- Convenience (11 reviews)
- Easy Setup (10 reviews)
- Customer Support (6 reviews)

**Cons:**

- Poor Customer Support (7 reviews)
- High Fees (4 reviews)
- Slow Performance (4 reviews)
- Navigation Difficulty (3 reviews)
- Payment Issues (3 reviews)

  ### 4. [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews)
  Stripe’s Payments platform helps you accept credit cards, debit cards, and popular payment methods around the world. Our easy-to-use APIs, no-code payments options, and software solutions enable you to launch a company, experiment to find product-market fit, and grow and scale revenue quickly. Learn more at stripe.com/payments.


  **Average Rating:** 4.2/5.0
  **Total Reviews:** 444

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.8/10 (Category avg: 8.6/10)
- **Level 3:** 8.1/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.6/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Stripe](https://www.g2.com/sellers/stripe)
- **Year Founded:** 2010
- **HQ Location:** San Francisco, CA
- **Twitter:** @stripe (276,796 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2135371/ (14,491 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** CEO, Owner
  - **Top Industries:** Computer Software, Information Technology and Services
  - **Company Size:** 77% Small-Business, 17% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (47 reviews)
- Easy Payments (45 reviews)
- Easy Integrations (19 reviews)
- Integrations (19 reviews)
- Easy Setup (15 reviews)

**Cons:**

- High Fees (22 reviews)
- Poor Customer Support (11 reviews)
- Expensive (9 reviews)
- Payment Issues (9 reviews)
- Delays (7 reviews)

  ### 5. [Venmo](https://www.g2.com/products/paypal-venmo/reviews)
  Venmo for Business is a mobile payment solution designed to help small businesses and entrepreneurs accept payments seamlessly through the Venmo app. By creating a business profile linked to their personal Venmo account, merchants can offer customers a familiar and convenient payment method, enhancing the overall transaction experience. Key Features and Functionality: - Business Profiles: Merchants can set up a dedicated business profile under their existing Venmo login, allowing easy management of personal and business transactions within the same app. - Multiple Payment Options: Customers can pay using their Venmo balance, linked bank accounts, debit or credit cards, contactless cards, or digital wallets with Tap to Pay functionality. - QR Code Payments: Each business profile generates a unique QR code, enabling customers to scan and pay instantly, facilitating quick and contactless transactions. - Social Engagement: Venmo's social feed allows customers to share their purchases, providing businesses with organic visibility and potential new customer reach. - Security Measures: Transactions are secured with data encryption, fraud monitoring, and compliance with PCI DSS standards, ensuring both merchant and customer data protection. Primary Value and Solutions Provided: Venmo for Business addresses the need for small businesses to accept digital payments without the complexity of traditional point-of-sale systems. It offers a user-friendly platform that integrates seamlessly with customers' existing Venmo accounts, promoting faster checkouts and improved customer satisfaction. The social sharing aspect enhances brand visibility, while the straightforward setup and minimal hardware requirements make it an accessible solution for businesses of all sizes.


  **Average Rating:** 4.5/5.0
  **Total Reviews:** 253

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.0/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.9/10 (Category avg: 8.6/10)
- **Level 3:** 7.9/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.3/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [PayPal](https://www.g2.com/sellers/paypal)
- **Year Founded:** 1998
- **HQ Location:** San Jose, CA
- **Twitter:** @PayPal (1,109,635 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1482/ (36,575 employees on LinkedIn®)
- **Ownership:** PYPL

**Reviewer Demographics:**
  - **Who Uses This:** Owner
  - **Top Industries:** Marketing and Advertising, Information Technology and Services
  - **Company Size:** 71% Small-Business, 18% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (9 reviews)
- Convenience (6 reviews)
- Easy Payments (6 reviews)
- Security (2 reviews)
- Dashboard Usability (1 reviews)

**Cons:**

- Accuracy Issues (3 reviews)
- High Fees (3 reviews)
- Delays (2 reviews)
- Excessive Notifications (2 reviews)
- Poor Customer Support (2 reviews)

  ### 6. [checkout.com](https://www.g2.com/products/checkout-com/reviews)
  Checkout.com is a cloud-based payments platform – and their mission is to enable businesses and their communities to thrive in the digital economy. Checkout.com’s modular technology allows businesses to add features, manage risk while protecting conversion – and add new payment methods to power growth in new markets. Their local teams in multiple countries offer on-the-ground support to help merchants improve payments performance, navigate regulation and switch on new business models with ease. Checkout.com boasts fast, reliable payments and payouts in more than 150+ currencies, with in-country acquiring, fraud filters and reporting through one API. Checkout.com can accept all major international credit and debit cards, as well as popular alternative and local payment methods. Headquartered in London, Checkout.com currently has 19 offices spread across North America, South America, Europe, MENA and Asia Pacific.


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 69

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.2/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.8/10 (Category avg: 8.6/10)
- **Level 3:** 8.5/10 (Category avg: 7.8/10)
- **Accounting integration:** 7.9/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Checkout.com](https://www.g2.com/sellers/checkout-com)
- **Company Website:** https://checkout.com/
- **Year Founded:** 2012
- **HQ Location:** London, United Kingdom
- **Twitter:** @Checkout (9,719 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/3110635 (2,261 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Financial Services, Retail
  - **Company Size:** 41% Mid-Market, 34% Small-Business


#### Pros & Cons

**Pros:**

- Customer Support (19 reviews)
- Ease of Use (19 reviews)
- Helpful (10 reviews)
- Easy Payments (9 reviews)
- Reliability (9 reviews)

**Cons:**

- Limited Features (6 reviews)
- Missing Features (5 reviews)
- Expensive (4 reviews)
- Poor Customer Support (4 reviews)
- Delays (3 reviews)

  ### 7. [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews)
  The smarter, faster way to manage all business payments — without the hassle. Corpay Complete brings AP automation, corporate card management, and expense control into one seamless platform. Say goodbye to manual processes and disconnected systems. Now, you can automate the P2P process, track expenses in real time, and gain full visibility over all of your company spend. With best-in-class automation, built-in fraud protection, and enterprise-grade security, Corpay Complete helps businesses reduce risk, increase efficiency, and scale with ease. Start with the tools you need today and expand as your business grows. Product Description Corpay (NYSE: CPAY) is America’s #1 commercial card issuer and a trusted S&P 500 company, helping 800,000 businesses streamline payments across 200+ countries. Corpay Complete is Fully Managed AP. It eliminates inefficiencies by consolidating purchase orders, invoicing, vendor payments, corporate cards, and expense controls into a single, automated workflow. No more juggling multiple vendors or disconnected systems. Instead, businesses get one intuitive platform designed for complete control over spend. With real-time visibility, built-in fraud protection, and seamless ERP integrations — including NetSuite, QuickBooks, and Microsoft Dynamics and more — finance teams can close the books faster, optimize cash flow, strengthen financial oversight without payments related distractions. . How Do You Position Yourself Against Competitors? Unlike fragmented solutions that require multiple vendors and manual processes, Corpay Complete consolidates all AP and expense processes in one intelligent platform. We do more than just “Bill Pay”. We are the only provider that provides “Fully Managed AP”. That means Automating the entire P2P process, managing vendor enrollment/payments, , and eliminating manual work enabling our clients to spend more time focusing on their core business. With 1.8 billion payments processed annually and vendor network of 3.8M vendors, Corpay is the trusted choice for finance teams that need speed, security, and scale.


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 386

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.0/10 (Category avg: 8.6/10)
- **Level 3:** 8.6/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.0/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Corpay](https://www.g2.com/sellers/corpay)
- **Company Website:** https://www.corpay.com/ap-automation
- **Year Founded:** 2000
- **HQ Location:** Atlanta, US
- **Twitter:** @CorpayFX (2,989 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/corpay/ (6,979 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Controller, Accounts Payable Specialist
  - **Top Industries:** Automotive, Primary/Secondary Education
  - **Company Size:** 70% Mid-Market, 19% Enterprise


#### Pros & Cons

**Pros:**

- Ease of Use (86 reviews)
- Efficiency (62 reviews)
- Customer Support (53 reviews)
- Payment Processing (47 reviews)
- Time-saving (46 reviews)

**Cons:**

- Payment Issues (29 reviews)
- Vendor Management (21 reviews)
- Poor Customer Support (13 reviews)
- Delays (11 reviews)
- Payment Processing (10 reviews)

  ### 8. [Birdeye](https://www.g2.com/products/birdeye/reviews)
  Birdeye is the #1 agentic marketing platform for multi-location brands, trusted by the biggest multi-location brands globally including H&R Block, Aspen Dental, and Caesars Entertainment. One Platform Replace your fragmented stack with a single enterprise platform that manages reviews, listings, social, AI visibility, surveys and more across locations. Unified Data Aggregate signals from reviews, social, messaging, surveys, listings and third party integrations such as CRM into a single customer profile per location - powering personalized campaigns and smarter AI execution AI Agents That Execute Configure AI agents with your brand voice, custom triggers, and location-level rules. They respond to reviews, publish social posts, engage leads via chat, and surface actionable insights — automatically, at scale. Built for Multi-Location Complexity Designed from the ground up for multi-location brands. Features like role-based access, tiered approvals, and location-level reporting give corporate and local teams the control they need. Enterprise-Ready: SSO, audit logging, HIPAA, SOC 2, GDPR compliance.


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 3,916

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.4/10 (Category avg: 8.8/10)
- **Online payment 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)


**Seller Details:**

- **Seller:** [Birdeye](https://www.g2.com/sellers/birdeye)
- **Company Website:** https://www.birdeye.com
- **Year Founded:** 2012
- **HQ Location:** Palo Alto, CA
- **Twitter:** @BirdEye_ (5,230 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2837064/ (1,430 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Marketing Manager
  - **Top Industries:** Hospital & Health Care, Real Estate
  - **Company Size:** 48% Small-Business, 35% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (1070 reviews)
- Helpful (1068 reviews)
- Review Management (884 reviews)
- Customer Support (748 reviews)
- Features (607 reviews)

**Cons:**

- Missing Features (248 reviews)
- Improvement Needed (173 reviews)
- Review Management (169 reviews)
- Limited Features (150 reviews)
- Learning Curve (143 reviews)

  ### 9. [EBizCharge](https://www.g2.com/products/ebizcharge/reviews)
  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:** 94

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.7/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.3/10 (Category avg: 8.6/10)
- **Level 3:** 8.4/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.1/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [EBizCharge](https://www.g2.com/sellers/ebizcharge)
- **Company Website:** https://ebizcharge.com/
- **Year Founded:** 2004
- **HQ Location:** Irvine, CA
- **LinkedIn® Page:** https://www.linkedin.com/company/959259/ (206 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Wholesale, Manufacturing
  - **Company Size:** 74% Small-Business, 25% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (10 reviews)
- Payment Processing (9 reviews)
- Customer Support (8 reviews)
- Integrations (7 reviews)
- Easy Integrations (6 reviews)

**Cons:**

- Error Handling (2 reviews)
- Limited Features (2 reviews)
- Slow Performance (2 reviews)
- Software Bugs (2 reviews)
- Technical Issues (2 reviews)

  ### 10. [PayPal BrainTree](https://www.g2.com/products/paypal-braintree/reviews)
  Braintree is a payments company that provides elegant tools for developers and white-glove support


  **Average Rating:** 3.4/5.0
  **Total Reviews:** 89

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 7.9/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.3/10 (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:** [PayPal](https://www.g2.com/sellers/paypal)
- **Year Founded:** 1998
- **HQ Location:** San Jose, CA
- **Twitter:** @PayPal (1,109,635 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1482/ (36,575 employees on LinkedIn®)
- **Ownership:** PYPL

**Reviewer Demographics:**
  - **Who Uses This:** Software Engineer
  - **Top Industries:** Computer Software, Information Technology and Services
  - **Company Size:** 58% Small-Business, 32% Mid-Market


#### Pros & Cons

**Pros:**

- Easy Payments (2 reviews)
- Integrations (2 reviews)
- Payment Processing (2 reviews)
- Ease of Implementation (1 reviews)
- Ease of Use (1 reviews)

**Cons:**

- Access Limitations (1 reviews)
- Accuracy Issues (1 reviews)
- Difficult Learning (1 reviews)
- Intuitiveness (1 reviews)
- Limited Search Functionality (1 reviews)

  ### 11. [Wallester](https://www.g2.com/products/wallester/reviews)
  Wallester is an Estonian-licensed financial institution and has been an official Visa partner since 2018, specialising in innovative digital financial solutions and card issuance. We empower companies across the European Economic Area (EEA) and the UK to streamline payments, launch branded cards, and scale efficiently. What we do: 1. White-Label Solution with Embedded Finance Our White-Label solution enables businesses to integrate financial services directly into their platforms - a concept known as embedded finance. This allows companies to launch branded payment cards tailored to their specific needs, enhancing customer experiences and opening new revenue streams. We ensure a swift time-to-market with simplified integration and dedicated support from our implementation team. 2. Wallester Business: Corporate Expense Management Wallester Business is designed to modernise corporate expense management. It provides companies with instant access to virtual and physical Visa cards, streamlining financial processes through a modern app and comprehensive portal. Features include expense tracking, budget analytics, and seamless integration with accounting systems to enhance financial oversight and efficiency. Try Wallester Business to empower your Business Today for just €00.00/Month!


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 123

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.4/10 (Category avg: 8.6/10)
- **Level 3:** 8.7/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.5/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Wallester](https://www.g2.com/sellers/wallester)
- **Company Website:** https://wallester.com/business
- **Year Founded:** 2016
- **HQ Location:** Tallinn, Estonia
- **Twitter:** @Wallester_com (417 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/wallester/ (202 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Telecommunications, Information Technology and Services
  - **Company Size:** 43% Mid-Market, 37% Small-Business


#### Pros & Cons

**Pros:**

- Expense Management (17 reviews)
- Convenience (16 reviews)
- Ease of Use (16 reviews)
- Efficiency (14 reviews)
- Efficiency Improvement (12 reviews)

**Cons:**

- Integration Issues (5 reviews)
- Card Issues (3 reviews)
- Expensive (2 reviews)
- Invoice Issues (2 reviews)
- Lack of Integration (2 reviews)

  ### 12. [BlueSnap](https://www.g2.com/products/bluesnap/reviews)
  BlueSnap is a Global Payment Orchestration Platform designed to help businesses accept payments seamlessly across the globe. This comprehensive solution simplifies the complexities associated with payment processing, enabling companies to manage the entire payment lifecycle from initiation to completion. By streamlining this process, BlueSnap aims to enhance revenue generation while simultaneously reducing operational costs. The platform caters to a diverse range of businesses, including e-commerce retailers, subscription services, and marketplaces, as well as those requiring manual order processing through a virtual terminal. With support for multiple sales channels—such as online and mobile sales—BlueSnap allows businesses to adapt to the evolving landscape of buyer preferences. Organizations seeking to integrate payments directly into their platforms can benefit from BlueSnap's white-labeled solutions, which include automated underwriting and onboarding. One of the standout features of BlueSnap is its capability to facilitate global sales through a single integration and contract. This functionality empowers businesses to sell worldwide with local card acquiring in 50 countries, offering various global currencies and payment types that cater to customer preferences, including popular eWallets. This flexibility ensures that businesses can meet the diverse needs of buyers across different regions. Additionally, BlueSnap incorporates automated accounts receivable, robust fraud protection, and chargeback management, enabling businesses to operate securely and efficiently while minimizing risks. Beyond payment processing, BlueSnap also addresses regulatory and tax compliance needs, which can be particularly challenging for businesses operating in multiple jurisdictions. The platform provides unified global reporting, allowing businesses to gain valuable insights into their payment performance and make informed decisions to drive growth. With headquarters in Waltham, MA, and Dublin, Ireland, BlueSnap is supported by prominent private equity investors, ensuring a strong foundation for continued innovation and service excellence. This combination of features and support positions BlueSnap as a comprehensive solution for businesses looking to navigate the complexities of global payment processing.


  **Average Rating:** 4.1/5.0
  **Total Reviews:** 102

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.7/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.6/10 (Category avg: 8.6/10)
- **Level 3:** 8.5/10 (Category avg: 7.8/10)
- **Accounting integration:** 7.9/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [BlueSnap](https://www.g2.com/sellers/bluesnap)
- **Company Website:** https://www.bluesnap.com/
- **Year Founded:** 2001
- **HQ Location:** Boston, MA
- **Twitter:** @BlueSnapInc (2,165 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/52768/ (163 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** CEO
  - **Top Industries:** Computer Software, Information Technology and Services
  - **Company Size:** 58% Small-Business, 38% Mid-Market


#### Pros & Cons

**Pros:**

- Customer Support (3 reviews)
- Ease of Use (3 reviews)
- Reliability (3 reviews)
- Reporting (3 reviews)
- International Payments (2 reviews)

**Cons:**

- Limited International Support (2 reviews)
- Slow Performance (2 reviews)
- Access Limitations (1 reviews)
- Complex Implementation (1 reviews)
- Currency Exchange Issues (1 reviews)

  ### 13. [DualEntry](https://www.g2.com/products/dualentry/reviews)
  DualEntry is the AI-native ERP that helps finance teams achieve more in less time. With powerful automations, it takes manual work out of everything from everyday accounting, AR/AP, and revenue management to tax handling, financial reporting, and audit prep. DualEntry is built for global, multi-entity, multi-currency operations. It’s designed to scale with business from mid-market to IPO and beyond, adapting to a company’s specific needs – no matter how complex. 𝗕𝘂𝗶𝗹𝘁 𝗯𝘆 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀, 𝗳𝗼𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀, 𝗗𝘂𝗮𝗹𝗘𝗻𝘁𝗿𝘆 𝗼𝗳𝗳𝗲𝗿𝘀: • Multi-entity consolidation across global subsidiaries • Multi-currency support, covering 180 local currencies in 240 countries, with live FX rates • Automated intercompany eliminations and journal-entry posting • Custom workflows and granular access controls • Role-based, real-time dashboards • Audit-ready financials with SOX, SOC 2, and GDPR compliance • A flexible, complete GL that you can tailor to you with unlimited nestable classifications and custom feeds • Real-time insights and drillable, multi-dimensional reporting across entities • 13,000+ bank connections covering 60+ countries • 200+ free, seamless integrations across CRM, AP, AR, and more Automate your workflows end-to-end with DualEntry, and grow your business without adding to your headcount. Schedule a personalized demo now.


  **Average Rating:** 4.9/5.0
  **Total Reviews:** 122

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.9/10 (Category avg: 8.6/10)
- **Level 3:** 9.3/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.3/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [DualEntry](https://www.g2.com/sellers/dualentry)
- **Company Website:** https://www.dualentry.com
- **Year Founded:** 2024
- **HQ Location:** New York, US
- **Twitter:** @dualentry (742 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/dualentry/ (48 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Accountant
  - **Top Industries:** Accounting, Manufacturing
  - **Company Size:** 49% Mid-Market, 34% Small-Business


#### Pros & Cons

**Pros:**

- Ease of Use (318 reviews)
- Features (272 reviews)
- Efficiency (256 reviews)
- Integrations (235 reviews)
- Time-saving (231 reviews)

**Cons:**

- Improvement Needed (116 reviews)
- Missing Features (92 reviews)
- Limited Customization (91 reviews)
- Not User-Friendly (84 reviews)
- Learning Difficulty (83 reviews)

  ### 14. [Payoneer](https://www.g2.com/products/payoneer/reviews)
  Payoneer is the financial technology company empowering the world’s small and medium-sized businesses to transact, do business, and grow globally. Payoneer was founded in 2005 with the belief that talent is equally distributed, but opportunity is not. It is our mission to enable any entrepreneur and business anywhere to participate and succeed in an increasingly digital global economy. Since our founding, we have built a global financial stack that removes barriers and simplifies cross-border commerce. We make it easier for millions of SMBs, particularly in emerging markets, to connect to the global economy, pay and get paid, manage their funds across multiple currencies, and grow their businesses.


  **Average Rating:** 3.2/5.0
  **Total Reviews:** 358

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 5.1/10 (Category avg: 8.8/10)
- **Online payment portal:** 7.1/10 (Category avg: 8.6/10)
- **Level 3:** 6.5/10 (Category avg: 7.8/10)
- **Accounting integration:** 7.0/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Payoneer](https://www.g2.com/sellers/payoneer)
- **Year Founded:** 2005
- **HQ Location:** New York
- **Twitter:** @Payoneer (90,119 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/56101/ (3,132 employees on LinkedIn®)
- **Ownership:** NASDAQ: PAYO

**Reviewer Demographics:**
  - **Who Uses This:** Professional Freelancer, Founder
  - **Top Industries:** Information Technology and Services, Internet
  - **Company Size:** 58% Small-Business, 24% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (28 reviews)
- Easy Payments (18 reviews)
- International Payments (17 reviews)
- Payment Processing (15 reviews)
- Reliability (11 reviews)

**Cons:**

- High Fees (22 reviews)
- Poor Customer Support (21 reviews)
- Excessive Fees (20 reviews)
- Payment Issues (15 reviews)
- Account Blocking (11 reviews)

  ### 15. [MineralTree](https://www.g2.com/products/mineraltree/reviews)
  MineralTree provides secure, easy-to-use, end-to-end Accounts Payable and payment automation solutions that reduce costs by more than 75%, increase visibility and control, mitigate fraud and risk, while improving cash flow. More than 2,000 mid-sized companies, as well as several financial institutions, rely on MineralTree to help transform the finance function from a cost center to a profit center. With MineralTree, you can be up and running in days.


  **Average Rating:** 4.5/5.0
  **Total Reviews:** 159

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.3/10 (Category avg: 8.8/10)
- **Online payment portal:** 6.1/10 (Category avg: 8.6/10)
- **Level 3:** 5.7/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.3/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Global Payments](https://www.g2.com/sellers/global-payments)
- **Company Website:** https://www.globalpaymentsinc.com/
- **Year Founded:** 1967
- **HQ Location:** Atlanta, US
- **Twitter:** @GlobalPayInc (6,004 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/global-payments/ (24,709 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Controller, CFO
  - **Top Industries:** Accounting, Non-Profit Organization Management
  - **Company Size:** 62% Mid-Market, 39% Small-Business


#### Pros & Cons

**Pros:**

- Ease of Use (15 reviews)
- Customer Support (10 reviews)
- Integrations (10 reviews)
- Efficiency (9 reviews)
- Automation (8 reviews)

**Cons:**

- Integration Issues (5 reviews)
- Technical Issues (5 reviews)
- Payment Issues (4 reviews)
- Connectivity Issues (3 reviews)
- Invoicing Issues (3 reviews)

  ### 16. [Ottimate](https://www.g2.com/products/ottimate/reviews)
  Ottimate is an AI-powered Accounts Payable automation platform that empowers finance teams to reduce costs, prevent overpayments, detect fraud, and enforce policy compliance across the entire invoice-to-payment lifecycle. Ottimate delivers unprecedented, powerful automation that encompasses smart invoice capture, precise GL coding, purchase order fulfillment verification (2- or 3-way matching), complex approval workflows, flexible vendor payment, detailed reports and real-time dashboards, secure digital storage, control over employee spending, connectivity with your accounting software, and deep data analysis. Our AI copilot goes beyond traditional automation by applying human-like intelligence that is driven by state-of-the-art Deep Learning AI and has been refined by more than a decade of real-world use. Innovative finance teams use Ottimate to uncover unexpected opportunities throughout the AP lifecycle to improve efficiency, better manage cash flow, and strengthen profitability.


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 168

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.2/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.1/10 (Category avg: 8.6/10)
- **Level 3:** 6.8/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.9/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Plate IQ](https://www.g2.com/sellers/plate-iq)
- **Company Website:** https://www.ottimate.com/
- **Year Founded:** 2014
- **HQ Location:** San Francisco, US
- **Twitter:** @ottimate_ap (608 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/ottimate/ (267 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Controller, Accountant
  - **Top Industries:** Hospitality, Restaurants
  - **Company Size:** 57% Mid-Market, 32% Small-Business


#### Pros & Cons

**Pros:**

- Ease of Use (23 reviews)
- Invoicing Automation (13 reviews)
- Time Saving (12 reviews)
- Automation (11 reviews)
- Billing (11 reviews)

**Cons:**

- Inefficient Invoicing (5 reviews)
- Export Issues (4 reviews)
- Integration Issues (4 reviews)
- Slow Performance (4 reviews)
- Accuracy Issues (3 reviews)

  ### 17. [FreshBooks](https://www.g2.com/products/freshbooks/reviews)
  FreshBooks is software that simplifies the complicated world of bookkeeping and accounting. With FreshBooks, you can run your billing, books, and payroll all from one platform—no complicated spreadsheets or convoluted software. With FreshBooks, you’ll save time and get peace of mind. • Run your billing, books, and payroll on the same platform. • Build invoices in seconds and get paid twice as fast. • Create reports that allow you to see the health of your business instantly. • Stay organized for tax time and compliant with tax regulations. • Collaborate with clients, manage billing, and track project profitability.


  **Average Rating:** 4.5/5.0
  **Total Reviews:** 948

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.2/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.4/10 (Category avg: 8.6/10)
- **Level 3:** 7.0/10 (Category avg: 7.8/10)
- **Accounting integration:** 7.6/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [FreshBooks](https://www.g2.com/sellers/freshbooks)
- **Company Website:** https://www.freshbooks.com/
- **Year Founded:** 2003
- **HQ Location:** Toronto
- **Twitter:** @freshbooks (28,108 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/116468/ (387 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Founder
  - **Top Industries:** Marketing and Advertising, Information Technology and Services
  - **Company Size:** 81% Small-Business, 9% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (154 reviews)
- Invoice Management (80 reviews)
- Invoicing (80 reviews)
- Customer Support (69 reviews)
- Simple (60 reviews)

**Cons:**

- Missing Features (57 reviews)
- Invoicing Issues (33 reviews)
- Expensive (28 reviews)
- Limited Features (28 reviews)
- Pricing Issues (28 reviews)

  ### 18. [ZonePayments](https://www.g2.com/products/zonepayments/reviews)
  Stripe payments and cash reconciliation for NetSuite, in NetSuite Integrate Stripe payments and reconcile cash completely in NetSuite. ZonePayments gives you the simple and complex capabilities to adapt your lead-to-revenue processes when and how you need to. Seamlessly connect with 3rd-party payment providers, like Stripe, to collect customer payments and reconcile deposits directly within NetSuite, all without sacrificing control or compliance


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 21

**User Satisfaction Scores:**

- **Online payment portal:** 8.8/10 (Category avg: 8.6/10)
- **Level 3:** 8.5/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.4/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Zone & Co](https://www.g2.com/sellers/zone-co)
- **Year Founded:** 2013
- **HQ Location:** Boston, MA
- **Twitter:** @ZoneandCo (84 Twitter followers)
- **LinkedIn® Page:** https://in.linkedin.com/company/zone-&-company-software-consulting-llc (279 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Company Size:** 68% Mid-Market, 18% Enterprise


#### Pros & Cons

**Pros:**

- Ease of Use (9 reviews)
- Easy Payments (8 reviews)
- Easy Integrations (6 reviews)
- Reliability (6 reviews)
- Customer Support (5 reviews)

**Cons:**

- Expensive (5 reviews)
- High Fees (3 reviews)
- Complex Interface (2 reviews)
- Fee Increase (2 reviews)
- Lack of Payment Options (2 reviews)

  ### 19. [Melio](https://www.g2.com/products/melio/reviews)
  Melio is an Accounts Payable/Accounts Receivable platform, designed to streamline B2B payments for businesses of any size. Easily manage vendor payments, invoices, and cash flow with flexible payment methods like bank transfers or cards, and maintain control through scheduled payments. Melio syncs with QB and Xero, keeping records up to date. It also optimizes financial operations by automating approvals, scheduling, and reconciliation, reducing administrative tasks so you can focus on growing your business. Try all of Melio's features free for 30 days before you choose a plan.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 247

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.9/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.9/10 (Category avg: 8.6/10)
- **Level 3:** 8.0/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.7/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Melio](https://www.g2.com/sellers/melio)
- **Company Website:** https://www.meliopayments.com
- **Year Founded:** 2018
- **HQ Location:** New York
- **Twitter:** @MelioPayments (5,835 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/meliopayments/ (674 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, CEO
  - **Top Industries:** Accounting, Marketing and Advertising
  - **Company Size:** 93% Small-Business, 6% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (47 reviews)
- Easy Payments (43 reviews)
- Payment Processing (27 reviews)
- Simple (22 reviews)
- Time-saving (22 reviews)

**Cons:**

- Delays (17 reviews)
- Payment Issues (17 reviews)
- Payment Delays (14 reviews)
- Poor Customer Support (13 reviews)
- Missing Features (9 reviews)

  ### 20. [GoCardless](https://www.g2.com/products/gocardless/reviews)
  GoCardless is on a mission to become the world’s bank payment network. Setting people and businesses free from the frustrations and cost of out-dated payment methods, with simple and secure direct bank payment solutions. Collect instant, one-off payments. Or automated recurring payments. And use our add-ons to automatically recover failed payments (recovering 70%, on average), and fight fraud without compromising your customer’s payment experience. With GoCardless you save time and money, win and retain more customers, get paid on time, and reduce stress. 75,000+ businesses around the world trust us to power their payments, including global names like DocuSign, Carrefour, Norwegian Refugee Council, Trip Advisor, Aon, Survey Monkey, and UNHCR. We enable them to collect payments from 30+ countries, processing over $30 billion each year. And our products are flexible to how you want to use them – whether you want to use them on their own with our easy-to-use online dashboard, connect with one of 350+ systems you might already use to run your business, or build your own custom integration with our API. We’ve been on this mission since 2011, and now have an incredible team of 700+ payments experts across the UK, US, France, and Australia. In fact, you might’ve heard of us before – we’ve been covered by the BBC, Financial Times, TechCrunch, Wall Street Journal, Les Echos, Börsen Zeitung, Australian Financial Review, and hundreds more. Want to learn more? Head over to gocardless.com


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 310

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.0/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.2/10 (Category avg: 8.6/10)
- **Level 3:** 8.3/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.1/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [GoCardless](https://www.g2.com/sellers/gocardless)
- **Year Founded:** 2011
- **HQ Location:** London
- **Twitter:** @GoCardless (13,225 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2808012/ (831 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Director, Owner
  - **Top Industries:** Accounting, Marketing and Advertising
  - **Company Size:** 92% Small-Business, 7% Mid-Market


#### Pros & Cons

**Pros:**

- Convenience (8 reviews)
- Ease of Use (8 reviews)
- Automation (6 reviews)
- Efficiency (5 reviews)
- Integrations (5 reviews)

**Cons:**

- Payment Issues (7 reviews)
- Slow Payments (5 reviews)
- High Fees (4 reviews)
- Billing Issues (3 reviews)
- Expensive (3 reviews)

  ### 21. [Versapay](https://www.g2.com/products/versapay/reviews)
  Versapay is a comprehensive accounts receivable automation solution designed to streamline the collections and reconciliation of B2B payments. By integrating finance teams, customers, and various systems into a cohesive ecosystem, Versapay enhances cash flow visibility and empowers businesses to manage their working capital effectively. With a robust user base of over 10,000 customers and more than 5 million companies engaged in transactions, Versapay facilitates the processing of over 100 million transactions, amounting to more than $300 billion in payments annually. After implementing Versapay, our customers see: • 50% reduction in manual processes • 30% fewer past-due invoices • 20% average savings on payment processing fee • 25% faster payment speeds • 80% customer adoption rate (highest in industry) The challenges that Versapay address are relevant for growing businesses that face cash flow issues stemming from a cumbersome invoice-to-cash process. Fragmented systems can lead to slow cash conversion, while manual accounts receivable processes introduce delays and errors. Additionally, payments data often resides in isolated silos, preventing organizations from gaining strategic insights. Limited visibility into cash flow and working capital complicates forecasting and growth management, which can ultimately hinder business success. By removing these barriers, Versapay accelerates cash flow and enhances financial stability. Targeting middle-market organizations, Versapay is specifically designed for businesses that are scaling and require predictable cash flow. It caters to those looking to move beyond manual accounts receivable processes and basic ERP systems. Our solution automates collections, payments, and cash application driving efficiency and supporting growth. Versapay's flexibility allows it to meet customers at various stages of their financial journey, providing a unified yet modular approach to accounts receivable management. Key features of Versapay include user-friendly invoicing and customer/supplier portals that facilitate seamless interactions between suppliers and customers. With over 80% adoption among suppliers and customers, the platform significantly enhances the user experience, simplifying dispute management and digital payment processing. End-to-end collections management capabilities that incorporate workflow automation, task management, and AI-driven reporting, streamlining the entire collections process. The Cash Application module efficiently handles various payment types, utilizing configurable AI match rules to achieve a 90% straight-through processing rate. Versapay also integrates with leading ERPs such as Sage Intacct, Netsuite, and Microsoft Business Central and F&O offering embedded payment solutions and flexible APIs for seamless data exchange. Our solution offers valuable insights and reporting tools to help businesses monitor cash flow, track key performance indicators like Days Sales Outstanding (DSO), and identify customer payment behaviors. And we includes built-in B2B payment services, offering a comprehensive digital wallet, processing solutions, compliance features, and enhanced security measures, all designed to optimize cash management and reduce costs.


  **Average Rating:** 4.1/5.0
  **Total Reviews:** 92

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.2/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.3/10 (Category avg: 8.6/10)
- **Level 3:** 7.3/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.1/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Versapay](https://www.g2.com/sellers/versapay)
- **Company Website:** https://versapay.com
- **Year Founded:** 2006
- **HQ Location:** California, USA
- **Twitter:** @VersaPay (890 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/versapay/ (363 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Accounting, Wholesale
  - **Company Size:** 65% Mid-Market, 18% Small-Business


#### Pros & Cons

**Pros:**

- Ease of Use (6 reviews)
- Easy Payments (5 reviews)
- Easy Setup (5 reviews)
- Payment Management (5 reviews)
- Automation (4 reviews)

**Cons:**

- Payment Issues (7 reviews)
- Poor Customer Support (3 reviews)
- Delays (2 reviews)
- Inadequate Reporting (2 reviews)
- Integration Issues (2 reviews)

  ### 22. [Square Payments](https://www.g2.com/products/square-payments/reviews)
  Square Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly, whether online, in-store, or on the go. Launched in 2009 by Block, Inc., Square has become a leader in point-of-sale systems, serving millions of merchants worldwide. Key Features and Functionality: - Versatile Payment Acceptance: Square enables businesses to accept a wide range of payment methods, including credit and debit cards, digital wallets like Apple Pay and Google Pay, and even Bitcoin. - Point-of-Sale (POS) Systems: Offers a suite of POS solutions, including hardware like Square Reader, Square Stand, and Square Terminal, as well as software tailored for various industries such as retail, restaurants, and services. - Online Payment Solutions: Provides tools for setting up online stores, processing e-commerce transactions, and integrating with existing websites to facilitate online sales. - Business Management Tools: Includes features for inventory management, employee scheduling and payroll, customer relationship management, and detailed sales analytics to help businesses operate efficiently. - Security and Compliance: Ensures all transactions are secure and compliant with Payment Card Industry Data Security Standards (PCI DSS), offering end-to-end encryption and proactive fraud prevention measures. Primary Value and Solutions Provided: Square Payments simplifies the payment process for businesses, allowing them to accept various payment methods without the need for complex setups or multiple vendors. By offering integrated hardware and software solutions, Square helps businesses manage sales, inventory, and customer relationships from a unified platform. The inclusion of advanced analytics and reporting tools enables merchants to make informed decisions, optimize operations, and enhance customer experiences. Additionally, Square's commitment to security and compliance ensures that both businesses and their customers can trust the safety of their transactions.


  **Average Rating:** 4.5/5.0
  **Total Reviews:** 163

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.9/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.1/10 (Category avg: 8.6/10)
- **Level 3:** 8.1/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.3/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Block](https://www.g2.com/sellers/block)
- **Year Founded:** 2009
- **HQ Location:** Oakland, California
- **Twitter:** @Square (309,907 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/joinblock/ (13,211 employees on LinkedIn®)
- **Ownership:** NYSE:SQ

**Reviewer Demographics:**
  - **Who Uses This:** Owner, CEO
  - **Top Industries:** Food & Beverages, Retail
  - **Company Size:** 86% Small-Business, 13% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (6 reviews)
- Easy Payments (5 reviews)
- Payment Ease (4 reviews)
- Payment Processing (3 reviews)
- Pricing (3 reviews)

**Cons:**

- High Fees (5 reviews)
- Expensive (2 reviews)
- Payment Issues (2 reviews)
- Poor Customer Support (2 reviews)
- Poor Interface Design (2 reviews)

  ### 23. [REPAY](https://www.g2.com/products/repay-repay/reviews)
  REPAY is your full-service payments provider for making and collecting payments. Through our secure all-in-one payments platform trusted by tens of thousands of clients, you can process customer and AR payments, automate outbound AP supplier payments and reduce risk without changing current processes. Our comprehensive payments platform enables clients to benefit from integrated omni-channel payment capabilities to increase cash flow, streamline workflows and reduce time spent by support staff and AP and AR teams. Securely accept customer payments from within your preferred management software 24/7/365, featuring online portal, text pay, mobile app and interactive voice response (IVR) capabilities. Without requiring assistance from you, customers can pay using credit or debit cards, ACH, eCash and digital wallets for a simplified payment experience. If you are collecting AR payments from business customers, take advantage of EMV chip functionality, multi-currency capabilities and Level 3 processing to help lower transaction costs. Additionally, we offer solutions to automate outbound payments to vendors and suppliers to reduce manual effort for AP teams, eliminate paper checks and streamline back-office processes. Featuring end-to-end visibility into the entire AP process, you know the moment a payment is made and when one is collected, all while managing vendor enrollment on your behalf. REPAY is seamlessly integrated with multiple leading business applications. If a prebuilt integration is not available, an API is available to develop a custom integration. Combining payment acceptance and AP automation solutions provides a single source for all reporting so you can spend less time managing and reconciling payments and more time growing your business. Reimagine payments and rediscover efficiency with REPAY. Anytime, Anywhere, Any Way Payments for Businesses and Customers: -Seamless omni-channel payment integrations -Card, ACH/EFT, eCash and Digital Wallets Payments -Tokenized and securely stored card data -PCI-DSS and Vertical-Specific Compliance -Instant Funds Disbursements -Phone/IVR, Mobile App, Text and Online Portal Payments -Rebate-Earning Virtual Cards for AP Payments -EMV chip functionality -Multi-currency capable -Level 3 Processing for B2B transactions-24/7 live US-based support


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 34

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.6/10 (Category avg: 8.6/10)
- **Level 3:** 9.8/10 (Category avg: 7.8/10)
- **Accounting integration:** 10.0/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Repay](https://www.g2.com/sellers/repay)
- **HQ Location:** Atlanta, US
- **LinkedIn® Page:** https://www.linkedin.com/company/repay---realtime-electronic-payments/ (537 employees on LinkedIn®)
- **Ownership:** NASDAQ: RPAY

**Reviewer Demographics:**
  - **Top Industries:** Financial Services
  - **Company Size:** 63% Small-Business, 34% Mid-Market


#### Pros & Cons

**Pros:**

- Detailed Information (1 reviews)
- Documentation (1 reviews)
- Ease of Use (1 reviews)
- Helpful (1 reviews)

**Cons:**

- Payment Issues (1 reviews)
- Poor Customer Support (1 reviews)

  ### 24. [PayJunction](https://www.g2.com/products/payjunction/reviews)
  PayJunction helps businesses and software companies accept payments with ease in-store, online, and on-the-go. We deliver secure, cloud-based solutions that streamline operations, reduce costs, and enhance the customer payment experience. Our platform seamlessly integrates with leading business management software programs or works as a turnkey stand-alone solution. We offer a modern, integrated payments alternative that gives businesses freedom of choice, effortless control, and a trusted partner who is committed to reliable technology and support, all with a personal touch. For Independent Software Vendors (ISVs), we provide fully outsourced payment operations, enabling quick payments integration into their software, higher attachment rates and delighted customers. All backed by a secure and reliable payments platform and exceptional U.S. based support. PayJunction is where people and technology converge to transact. The company processes over $11 billion annually, offering businesses versatile solutions for in-person, online, and on-the-go payment acceptance. PayJunction’s enduring commitment to valuing long-term relationships over short-term profit has led to both ​​glowing recommendations on Trustpilot and extensive accolades from institutions like Stevie®, Glassdoor®, and Titan®. We foster a collaborative work environment, where creative ideas are welcomed, teams are inspired and success is celebrated. PayJunction is a place where you can find experienced mentors and supportive team members who are committed to your growth.


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 29

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10)
- **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:** [PayJunction](https://www.g2.com/sellers/payjunction)
- **Year Founded:** 2000
- **HQ Location:** Santa Barbara, CA
- **Twitter:** @PayJunction (306 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/93491/ (186 employees on LinkedIn®)
- **Phone:** 800-601-0230

**Reviewer Demographics:**
  - **Top Industries:** Medical Practice, Retail
  - **Company Size:** 60% Small-Business, 37% Mid-Market


  ### 25. [UnityPay](https://www.g2.com/products/unitypay/reviews)
  UnityPay is a comprehensive payment processing solution designed to meet the diverse needs of businesses across various industries. By offering secure, efficient, and user-friendly services, UnityPay empowers merchants to manage transactions seamlessly, enhance customer experiences, and drive business growth. Key Features and Functionality: - Secure Transactions: Utilizes advanced encryption and fraud prevention technologies to ensure the safety of all financial data. - Multi-Channel Support: Facilitates payments across online, in-store, and mobile platforms, providing a unified experience for both merchants and customers. - Seamless Integration: Easily integrates with existing systems and platforms, ensuring minimal disruption to business operations. - Real-Time Analytics: Offers detailed reporting tools that provide insights into sales performance, helping businesses make informed decisions. - Transparent Pricing: Provides competitive transaction fees with clear, upfront pricing and no hidden charges. - 24/7 Customer Support: Delivers dedicated, around-the-clock assistance to address any issues promptly and maintain continuous operation. Primary Value and Solutions Provided: UnityPay addresses the critical need for secure and efficient payment processing in today's fast-paced business environment. By offering a versatile platform that supports various payment methods and channels, it enables businesses to cater to a broader customer base. The integration of real-time analytics and reporting tools allows merchants to monitor performance and adapt strategies accordingly. With a focus on security, ease of integration, and comprehensive support, UnityPay simplifies financial transactions, allowing businesses to concentrate on growth and customer satisfaction.


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 46

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.3/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.1/10 (Category avg: 8.6/10)
- **Level 3:** 8.8/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.9/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [UnityPay](https://www.g2.com/sellers/unitypay)
- **Year Founded:** 2017
- **HQ Location:** Gaithersburg, US
- **LinkedIn® Page:** https://www.linkedin.com/company/unitypayments (3 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Accounting, Information Technology and Services
  - **Company Size:** 43% Small-Business, 35% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (20 reviews)
- Easy Payments (19 reviews)
- Security (12 reviews)
- Convenience (5 reviews)
- Ease of Implementation (5 reviews)

**Cons:**

- High Fees (5 reviews)
- Difficult Setup (4 reviews)
- Limited Availability (4 reviews)
- Complex Interface (3 reviews)
- Expensive (3 reviews)



## 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.