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 4 | Best Payment Processing Software: User Reviews from September 2026

Blackthorn Payments

Unlock the power of seamless payment processing with Blackthorn Payments. Designed to cater to every industry, our Salesforce-native solution modernizes and centralizes your online, subscription, and mobile payments. Enjoy the convenience of streamlined transactions, from one-time to recurring, while empowering your team with vital financial insights. ✔Embrace the future: Conduct transactions effortlessly using Bluetooth-enabled card readers and our mobile payment app. ✔Think globally: Our Stripe Checkout integration enables localized payments, offering global appeal. ✔Adapt to your customers: Support native currencies and regional digital payment methods seamlessly. ✔Managing subscriptions made easy: Automate simple and complex models, while maintaining full control within Salesforce. ✔Security and simplicity at the forefront: Utilize our robust security framework without compromising data management. ✔Stay connected: Minimize data loss and simplify access with fewer integrations, ensuring a hassle-free experience. ✔Grow without limits: Handle transaction volumes of any scale, while maintaining a seamless customer experience. ✔135+ Currencies ✔Any Object ✔Charge, Authorize, Refund ✔Disputes ✔Expired Card updater ✔Historical Migration Sync ✔Lightning Component Terminal ✔Payment Requests w/PayLink ✔PCI-Compliant SAQ-D ✔SCA/3D Secure 2 Ready ✔Recurring Billing & Payment Schedules ✔REST & Apex APIs ✔Retry Logic ✔Stripe Billing Subscriptions ✔Webhooks MOBILE PAYMENTS (Paid Add-On) ✔Native iOS & Android apps w/card readers ✔EMV Certified - Card-Present Rates ✔Swipe, Chip, Tap/NFC ✔Field Service Lightning FSL ✔Salesforce Mobile ✔Subscriptions w/ Stripe Billing ✔Recurring Billing & Payment Schedules ✔Works w/ Opportunities & Quotes ✔Accounting Seed & QuickBooks Online ✔Spreedly, Stripe, Authorize.net, & PayPal ✔Stripe Checkout ✔Mobile Check Capture MOBILE PAYMENTS 📱 ✔iOS & Android card reader mobile payments ✔Salesforce1 / Salesforce Mobile ✔Field Service Mobile FSL FSM ✔Apple Pay, Google Pay, EMV ✔Credit Card Processing ✔Mobile Check Capture FEATURES ✔Lightning & Classic Virtual Terminal ✔PCI-compliant payment methods ✔Scheduled transactions w/ reattempt ✔Automatically updated expired/lost cards. Account updater ✔Payment requests w/ PayLink ✔Apex & REST APIs https://blackthorn.io/engage-with-us

Average Rating: 4.7/5.0

Total Reviews: 83

How Do G2 Users Rate Blackthorn Payments?

Has the product been a good partner in doing business?: 9.6/10 (Category avg: 8.8/10)
Self Service Portal: 9.5/10 (Category avg: 8.6/10)
Level 3: 9.0/10 (Category avg: 7.8/10)
Accounting integration: 9.5/10 (Category avg: 8.4/10)

Who Is the Company Behind Blackthorn Payments?

Seller: Blackthorn.io
Year Founded: 2015
HQ Location: New York
LinkedIn® Page: www.linkedin.com
98 employees on LinkedIn®

Who Uses This Product?

Top Industries: Information Technology and Services, Non-Profit Organization Management
Company Size: 60% Small, 38% Medium

What Do G2 Reviewers Say About Blackthorn Payments?

AI-generated summary from verified user reviews

Pros

Users appreciate the exceptional customer support provided by Blackthorn Payments, noting their thoroughness and kindness.
Users find ease of use in setting up recurring payments, enhancing efficiency and satisfaction in their business operations.
Users value the easy integrations of Blackthorn Payments with Salesforce, enhancing their payment management experience.
Users find the easy payments setup valuable for their businesses, complemented by excellent customer service support.
Users find the easy setup of recurring payments with Blackthorn Payments to be incredibly helpful for their business needs.

Cons

Users find the limitation of a single discount code frustrating, though customer service can assist with workarounds.
Users are frustrated by the limitation of only one discount code, though customer service may offer workarounds.

What Are Recent G2 Reviews of Blackthorn Payments?

"Seamless Payment integration with outstanding support"

Rating: 5.0/5.0 stars

— Sonika G.

Best Payment Processing Software - Page 4

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Category Stats (Sep 2026)

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G2 Grid® for Payment Processing Software

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