# Best Payment Processing Software

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

   Payment processing software helps businesses securely handle and track business-to-business (B2B) payments from customers and to suppliers. It supports any organization that accepts non-cash payments by ensuring transactions are timely, accurate, and integrated with downstream financial systems.

### Core Capabilities of Payment Processing Software

To qualify for inclusion in the Payment Processing category, a product must:

- Collect customer payment information and relay it to a bank for approval or denial
- Transmit approval or denial of a transaction back to the customer or merchant
- Support multiple payment methods such as credit card, ACH, or wire transfer
- Define and track customizable payment rules, terms, and deadlines
- Identify errors such as late payments, overpayments, or failed transactions
- Integrate with ERP, accounting, or accounts receivable and accounts payable systems

### How Payment Processing Software Differs from Other Tools

Payment processing software focuses on secure transaction handling and status verification, working closely with related tools such as [payment gateways](https://www.g2.com/categories/payment-gateways), [accounting software](https://www.g2.com/categories/accounting), [AP automation software](https://www.g2.com/categories/ap-automation), [e-commerce platforms](https://www.g2.com/categories/e-commerce-platforms), and [retail POS systems](https://www.g2.com/categories/retail-pos). Its distinguishing value lies in managing payment execution and error identification across diverse payment methods.

### Insights from G2 on Payment Processing Software

Based on category trends on G2, the importance of reliable transaction approval, seamless integrations, and accurate detection of payment issues to maintain smooth financial operations.





## Best Payment Processing Software At A Glance

- **Leader:** [PayPal Payments](https://www.g2.com/products/paypal/reviews)
- **Highest Performer:** [Skyline Payments](https://www.g2.com/products/skyline-payments/reviews)
- **Easiest to Use:** [Nickel](https://www.g2.com/products/nickel/reviews)
- **Top Trending:** [Nickel](https://www.g2.com/products/nickel/reviews)
- **Best Free Software:** [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews)


---

**Sponsored**

### Paysafe

Paysafe is a global payments platform delivering high‑performance infrastructure for growing businesses. With over 30 years of experience, Paysafe enables secure, seamless transactions across card payments, digital wallets, local payment methods, and e-cash solutions. Our flexible, scalable platform connects digital and physical commerce, helping businesses operate confidently across markets, currencies and risk profiles. By adapting around your business, Paysafe lifts performance, resilience, and reliability, supporting growth where it matters most.



[Visit company website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=1975&secure%5Bdisplayable_resource_id%5D=1975&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=page_category&secure%5Bplacement_resource_ids%5D%5B%5D=1975&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=16798&secure%5Bresource_id%5D=1975&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Fpayment-processing%3Fopen_modal_url%3D%252Fproducts%252Faxxonpay%252Fwishlists%253Fhost_path%253D%25252Fcategories%25252Fpayment-processing%2526source%253Dcategory&secure%5Btoken%5D=9ad536a21f5a68e5a78539461ce2bbc901eeaab66aae2e27c1201519093d4911&secure%5Burl%5D=https%3A%2F%2Fwww.paysafe.com%2Fen%2Fenterprise%2Fg2-contact-sales%2Fpaid%2F%3Futm_source%3Dg2%26utm_medium%3Ddisplay%26utm_campaign%3D2026-ent-clicks%26utm_content%3Dcategory&secure%5Burl_type%5D=custom_url)

---

## Top-Rated Products (Ranked by G2 Score)
  ### 1. [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:** 2,639

**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 (1,106,060 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1482/ (36,575 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Software Engineer
  - **Top Industries:** Computer Software, Information Technology and Services
  - **Company Size:** 61% Small-Business, 23% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (472 reviews)
- Easy Payments (323 reviews)
- Security (235 reviews)
- Convenience (234 reviews)
- Speed (225 reviews)

**Cons:**

- High Fees (233 reviews)
- Expensive (195 reviews)
- Poor Customer Support (108 reviews)
- Excessive Fees (106 reviews)
- High Transaction Fees (101 reviews)

  ### 2. [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:** 562

**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 (5,908,981 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:** 56% Small-Business, 32% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (21 reviews)
- Easy Payments (16 reviews)
- Convenience (10 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)

  ### 3. [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:** 241

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.0/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.8/10 (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 (1,106,060 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1482/ (36,575 employees on LinkedIn®)
- **Ownership:** PYPL

**Reviewer Demographics:**
  - **Top Industries:** Marketing and Advertising, Information Technology and Services
  - **Company Size:** 70% Small-Business, 18% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (10 reviews)
- Easy Payments (7 reviews)
- Convenience (6 reviews)
- Dashboard Usability (2 reviews)
- Integrations (2 reviews)

**Cons:**

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

  ### 4. [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:** 1,773

**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 (17,217 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)

  ### 5. [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:** 435

**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 (275,815 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, 18% 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)

  ### 6. [Nickel](https://www.g2.com/products/nickel/reviews)
  Nickel is a free integrated payments solution that lets businesses send and receive payments quickly and with the lowest possible fees. Nickel is the only truly transparent payment processor, with no monthly fees, no penalties for chargebacks, and no hidden costs. The only payments processor built for industry, Nickel is capable of processing large transactions (up to $1mn) without a hitch. ACH transactions are always free, and card processing rates are competitive. Nickel automatically syncs with your QuickBooks, mails checks on your behalf, can generate unique payment links tied to invoices, and so much more.


  **Average Rating:** 4.9/5.0
  **Total Reviews:** 146

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.1/10 (Category avg: 8.6/10)
- **Level 3:** 7.8/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.2/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Nickel](https://www.g2.com/sellers/nickel)
- **Company Website:** https://www.nickel.com/
- **Year Founded:** 2022
- **HQ Location:** Brooklyn, US
- **LinkedIn® Page:** https://www.linkedin.com/company/nickelhq/ (17 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, CEO
  - **Top Industries:** Accounting, Construction
  - **Company Size:** 79% Small-Business, 5% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (98 reviews)
- Easy Payments (81 reviews)
- Easy Setup (53 reviews)
- Pricing (45 reviews)
- Customer Support (40 reviews)

**Cons:**

- Missing Features (20 reviews)
- Invoicing Problems (15 reviews)
- Delays (12 reviews)
- International Payments (10 reviews)
- Invoicing Issues (10 reviews)

  ### 7. [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews)
  Adyen is the financial technology platform of choice for top brands like Facebook, Uber, H&M, eBay, and Prada. It offers seamless payments across online, mobile, and in-person channels—all in a single platform. This means higher conversion, better customer experiences, and streamlined operations. Key capabilities include: • Over 150 currencies and payment methods. • Cross-channel reporting and real time insights. • AI technology to optimize payments and drive conversion. • A wide range of fully-certified and customizable POS solutions. • Built-in fraud detection, prevention, and management. • Seamless, connected payments for online, in-app, and in-store. With more than 30 offices worldwide, Adyen helps ambitious enterprises grow. To learn more, talk to the team: https://www.adyen.com/contact/sales


  **Average Rating:** 3.8/5.0
  **Total Reviews:** 32

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.0/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.7/10 (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:** [Adyen](https://www.g2.com/sellers/adyen)
- **Year Founded:** 2006
- **HQ Location:** Amsterdam
- **Twitter:** @Adyen (21,586 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/adyen/ (5,356 employees on LinkedIn®)
- **Ownership:** AMS: ADYEN

**Reviewer Demographics:**
  - **Company Size:** 37% Mid-Market, 31% Enterprise


#### Pros & Cons

**Pros:**

- Ease of Use (8 reviews)
- Efficiency (3 reviews)
- Intuitive (3 reviews)
- Reliability (3 reviews)
- Features (2 reviews)

**Cons:**

- Technical Issues (3 reviews)
- Excessive Fees (2 reviews)
- Software Bugs (2 reviews)
- Authentication Issues (1 reviews)
- Billing Issues (1 reviews)

  ### 8. [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:** 943

**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 (28,111 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)

  ### 9. [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 (9,701 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)

  ### 10. [Thryv](https://www.g2.com/products/thryv/reviews)
  Thryv is an AI-powered marketing and sales platform built specifically for small businesses, helping you market smarter, sell more, and grow faster—all from one centralized solution. Designed to replace disconnected tools, Thryv combines essential business software into one easy-to-use platform. Now including Keap, Thryv delivers powerful CRM software, marketing automation, and sales management tools that help small businesses capture more leads, automate follow-ups, and increase repeat business. With built-in tools for lead management, email and SMS marketing, pipeline tracking, and customer relationship management, Thryv + Keap help teams stay organized and close more deals. From getting found online with digital marketing tools to managing customer relationships and automating sales workflows, Thryv + Keap simplify every stage of the customer journey. The result is a scalable, all-in-one CRM and marketing platform that helps small businesses save time, increase efficiency, and focus on what matters most—running and growing their business.


  **Average Rating:** 4.2/5.0
  **Total Reviews:** 1,873

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.4/10 (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:** [Thryv](https://www.g2.com/sellers/thryv)
- **Company Website:** https://Thryv.com
- **Year Founded:** 2012
- **HQ Location:** Dallas, TX
- **Twitter:** @thryv (8,438 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/thryvinc (5,905 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, CEO
  - **Top Industries:** Marketing and Advertising, Health, Wellness and Fitness
  - **Company Size:** 90% Small-Business, 9% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (109 reviews)
- Automation (95 reviews)
- Customer Support (76 reviews)
- Automation Features (74 reviews)
- Helpful (62 reviews)

**Cons:**

- Missing Features (60 reviews)
- Learning Curve (53 reviews)
- Limitations (47 reviews)
- Limited Features (46 reviews)
- Expensive (34 reviews)

  ### 11. [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:** 390

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.1/10 (Category avg: 8.6/10)
- **Level 3:** 8.7/10 (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 (2,978 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:** 69% Mid-Market, 19% Enterprise


#### Pros & Cons

**Pros:**

- Ease of Use (87 reviews)
- Efficiency (63 reviews)
- Customer Support (54 reviews)
- Payment Processing (48 reviews)
- Easy Payments (46 reviews)

**Cons:**

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

  ### 12. [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:** 246

**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 (5,821 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)

  ### 13. [Ignition](https://www.g2.com/products/ignition/reviews)
  From lead to cash, Ignition transforms your sales, billing and payments process with seamless automation. Over 8,500 service-based businesses, including accounting, agencies, consulting and financial services, trust Ignition to sell, bill and get paid. ✓ Capture leads and manage your sales pipeline ✓ Fast track revenue with branded online proposals ✓ Get paid on time with automated invoicing and payments ✓ Reduce business risk with templated contracts ✓ Automate data collection with online forms ✓ Centralize and manage client billing in one place ✓ Keep track of projected revenue and cash flow ✓ Seamlessly increase pricing and renew proposals in bulk ✓ Connect apps to automate workflows


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 119

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.8/10 (Category avg: 8.6/10)
- **Level 3:** 8.2/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.2/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Ignition](https://www.g2.com/sellers/ignition)
- **Company Website:** https://www.ignitionapp.com/
- **Year Founded:** 2013
- **HQ Location:** Chippendale, Australia
- **Twitter:** @ignitionapp (11,263 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2602590/ (329 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Director
  - **Top Industries:** Accounting, Marketing and Advertising
  - **Company Size:** 89% Small-Business, 3% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (51 reviews)
- Customer Support (36 reviews)
- Easy Setup (33 reviews)
- Time-saving (31 reviews)
- Efficiency (30 reviews)

**Cons:**

- Expensive (16 reviews)
- Learning Curve (9 reviews)
- Limited Customization (9 reviews)
- Missing Features (9 reviews)
- Payment Issues (9 reviews)

  ### 14. [8am CPACharge](https://www.g2.com/products/8am-cpacharge/reviews)
  8am CPACharge is trusted by the AICPA, 35+ state CPA societies and more than 150,000 professionals as the best payment solution for CPAs, Enrolled Agents and Accountants—providing a simple, secure way for accounting firms to accept client credit, debit, and eCheck payments from anywhere at anytime. With next-day payments, you can keep cash flow predictable and your firm moving forward without delays.


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 98

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.4/10 (Category avg: 8.6/10)
- **Level 3:** 7.5/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.0/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [8am](https://www.g2.com/sellers/8am-31dcab59-2905-4459-9914-316d0e558c27)
- **Company Website:** https://www.8am.com/
- **Year Founded:** 2005
- **HQ Location:** N/A
- **LinkedIn® Page:** https://www.linkedin.com/company/weare8am/ (708 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner
  - **Top Industries:** Accounting
  - **Company Size:** 98% Small-Business, 2% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (18 reviews)
- Easy Payments (10 reviews)
- Payment Efficiency (9 reviews)
- Invoicing (7 reviews)
- Customer Support (4 reviews)

**Cons:**

- Billing Issues (5 reviews)
- Payment Issues (5 reviews)
- High Fees (4 reviews)
- Email Integration (3 reviews)
- Expensive (3 reviews)

  ### 15. [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)

  ### 16. [Shopify POS](https://www.g2.com/products/shopify-shopify-pos/reviews)
  Shopify POS is the best point-of-sale solution for retailers who sell in-store and online. Shopify POS brings in-store and online sales together, so you can create the seamless shopping experiences today's customers expect, increase sales, and drastically streamline operations. Our all-in-one POS offers hardware, payments, and software, built to support any type of retail environment. Built on the world's leading commerce platform, Shopify POS makes it easy to expand to new retail locations, international markets, and online channels. Shopify POS is trusted by major retailers like Alo Yoga, Vuori, and Glossier.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 346

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 8.9/10 (Category avg: 8.8/10)
- **Online payment portal:** 7.8/10 (Category avg: 8.6/10)
- **Level 3:** 8.0/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.5/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Shopify](https://www.g2.com/sellers/shopify)
- **Company Website:** https://www.shopify.com/
- **Year Founded:** 2006
- **HQ Location:** Ottawa, ON
- **Twitter:** @Shopify (447,374 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/784652/ (27,474 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Manager
  - **Top Industries:** Retail, Apparel & Fashion
  - **Company Size:** 75% Small-Business, 16% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (33 reviews)
- Inventory Management (23 reviews)
- Integrations (17 reviews)
- Easy Setup (16 reviews)
- Efficiency (16 reviews)

**Cons:**

- Expensive (16 reviews)
- Limited Features (13 reviews)
- Lack of Customization (9 reviews)
- Limited Customization (8 reviews)
- Difficult Customization (7 reviews)

  ### 17. [Skyline Payments](https://www.g2.com/products/skyline-payments/reviews)
  Skyline Payments is a cutting-edge accounts receivable platform built to simplify and enhance the payment process for businesses of all sizes. Founded by brothers Kevin and Chris Le, our mission is to empower organizations by streamlining invoicing, accelerating cash flow, and reducing operational costs through innovative technology and personalized support. Why Choose Skyline Payments? - Efficiency Redefined: Save an impressive 10 to 40 hours per month with our automated invoicing and payment reconciliation features. Spend less time on administrative tasks and focus on growing your business. - Cost Savings: Stop overpaying on credit card fees! Our detailed assessments uncover significant savings opportunities by optimizing your current payment rates and terms. - User-Friendly Interface: Experience a seamless integration with your existing systems. Our intuitive platform is designed for simplicity, ensuring a smooth transition without disruption. -Personalized Account Management: Change can be hard, but our dedicated account managers are here to help. Enjoy world-class support throughout your journey, ensuring a flawless onboarding experience and assistance whenever you need it. - Customer-Centric Approach: We pride ourselves on delivering exceptional customer service. Our philosophy is rooted in making you happy, and our team is committed to understanding your unique challenges and providing tailored solutions. Key Features: - Automated Invoicing: Eliminate manual entry and reduce errors with smart invoicing solutions. - Real-Time Payment Tracking: Monitor your cash flow and receive instant notifications for incoming payments. - Self-Service Portal: Empower your clients with a convenient portal for managing invoices and payments. - Secure Payment Processing: Benefit from top-notch security measures to protect your sensitive financial data. - Detailed Reporting: Gain valuable insights into your accounts receivable performance and cash flow trends. Customer Testimonials: - “We made the switch to Skyline and could not be happier. It has cut down our employees’ workload and saved us a lot of time and fees.” — Christina Oliver, Pacific Energy Service - “Their systems integrated seamlessly, and I appreciate that I always speak to a human being when I need help.” — Diana Springer, Choyce Products Join Us: Step into payment zen with Skyline Payments and experience how our innovative solutions can transform your accounts receivable management. Schedule a free assessment today to explore your potential savings and unleash the full power of your payment processes!


  **Average Rating:** 4.9/5.0
  **Total Reviews:** 55

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.8/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.3/10 (Category avg: 8.6/10)
- **Level 3:** 9.1/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.2/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Skyline Payments](https://www.g2.com/sellers/skyline-payments)
- **Year Founded:** 2012
- **HQ Location:** San Francisco, US
- **LinkedIn® Page:** https://www.linkedin.com/company/skyline-payment-systems-sps- (58 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Office Manager, Owner
  - **Top Industries:** Marketing and Advertising
  - **Company Size:** 96% Small-Business, 2% Mid-Market


#### Pros & Cons

**Pros:**

- Customer Support (36 reviews)
- Response Time (25 reviews)
- Customer Satisfaction (20 reviews)
- Ease of Use (20 reviews)
- Easy Payments (16 reviews)

**Cons:**

- Email Automation Issues (3 reviews)
- Integration Issues (3 reviews)
- Connection Issues (2 reviews)
- Missing Features (2 reviews)
- Poor Customer Support (2 reviews)

  ### 18. [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:** 3,880

**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:** 8.6/10 (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)

  ### 19. [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:** 164

**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 (309,608 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:** 85% Small-Business, 13% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (7 reviews)
- Easy Payments (6 reviews)
- Payment Ease (4 reviews)
- Payment Processing (4 reviews)
- Pricing (3 reviews)

**Cons:**

- High Fees (5 reviews)
- Expensive (2 reviews)
- Inefficient Management (2 reviews)
- Invoicing Problems (2 reviews)
- Payment Issues (2 reviews)

  ### 20. [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)

  ### 21. [PayU](https://www.g2.com/products/payu/reviews)
  PayU is a leading online payment service provider, operating in 50+ high-growth markets, dedicated to creating cutting-edge financial services tailored to the needs of over 300,000 merchants and millions of consumers. Focused on empowering people and businesses through financial services and creating a world without financial borders where everyone can prosper. The customizable payment processing platform enables merchants to have both global reach and local expertise through full payment methods coverage for any customer in the world. PayU guarantees the highest possible approval rates with the lowest fees while ensuring the highest level of compliance and security for your transactions – all via a single API connection. With PayU merchants can skyrocket their sales while ensuring a great payment processing experience. Local operations in Asia, Central and Eastern Europe, Latin America, the Middle East, and Africa enable PayU to combine the expertise of high-growth companies with its own unique local knowledge and technology to ensure that online customers have access to the best financial services. For more information please visit https://corporate.payu.com/.


  **Average Rating:** 3.1/5.0
  **Total Reviews:** 25

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 4.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.8/10 (Category avg: 8.6/10)
- **Level 3:** 6.3/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.3/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [PayU](https://www.g2.com/sellers/payu)
- **HQ Location:** Amsterdam, North Holland
- **Twitter:** @PAyu (25 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2046824/ (3,316 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Company Size:** 80% Small-Business, 12% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (2 reviews)
- Affordable (1 reviews)
- Customer Support (1 reviews)
- Dashboard Usability (1 reviews)
- Ease of Implementation (1 reviews)

**Cons:**

- Delays (2 reviews)
- Difficult Setup (2 reviews)
- Onboarding Issues (2 reviews)
- Poor Customer Support (2 reviews)
- Inefficient Management (1 reviews)

  ### 22. [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 (725 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)

  ### 23. [Assembly](https://www.g2.com/products/assemblysoftware/reviews)
  Create remarkable client experiences. CRM, portal, payments, tasks, contracts & more — with an AI Assistant that works for you. Assembly is the AI-powered platform for professional service firms. It replaces a patchwork of point tools with one place to run client work — so clients get a clean, branded portal for tasks, payments, messages, files, contracts, and forms, and your team runs on a simple CRM with an AI Assistant that knows full client context. The result: faster onboarding, improved retention, and happier clients. Assembly also fits the stack you already use. Embed Calendly, Airtable, and 1,000s of other products, connect Zapier/Make and webhooks, or build Custom Apps with our API so your workflow drives the software, not the other way around. Trusted by 1,000+ businesses serving 1M+ clients. SOC 2 Type II and HIPAA. Start a 14-day trial at assembly.com.


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 300

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.5/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.3/10 (Category avg: 8.6/10)
- **Level 3:** 9.3/10 (Category avg: 7.8/10)
- **Accounting integration:** 8.0/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Assembly](https://www.g2.com/sellers/assembly-a15c4322-09e3-4e56-ade0-1ad0a66d9bd1)
- **Company Website:** https://assembly.com/
- **Year Founded:** 2020
- **HQ Location:** New York, US
- **Twitter:** @copilot (57,200 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/assemblycom/ (40 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** CEO, Founder
  - **Top Industries:** Marketing and Advertising, Accounting
  - **Company Size:** 92% Small-Business, 3% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (152 reviews)
- Easy Setup (82 reviews)
- Customer Support (78 reviews)
- Intuitive (75 reviews)
- Features (73 reviews)

**Cons:**

- Missing Features (100 reviews)
- Limited Features (69 reviews)
- Limited Customization (49 reviews)
- Lacking Features (47 reviews)
- Integration Issues (35 reviews)

  ### 24. [Kulturra.com](https://www.g2.com/products/kulturra-com/reviews)
  Kulturra is a top-rated payment processing solution on the Salesforce AppExchange. With over 120+ accepted payment gateways, Kulturra made it simple to send invoices, accept credit card and ACH payments, and set up recurring billing schedules. Our invoicing feature is highly customizable. With the ability to send statements, set up payment plans, and include shipping fees, taxes, and discounts, you can streamline your invoicing process, to save time, and increase accuracy. You can easily send invoices or payment requests links to your customers and have them pay online with their credit card or ACH. They can simply pay from a web browser, a mobile device or payment terminal. Kulturra offers a wide-range of credit card processors to choose from, including Authorize.Net, Stripe, PayPal, CyberSource, CardConnect, Adyen, Flywire and many more. We also have integrations with Accounting Seed and automatic sync feature to Quickbooks Online. Kulturra has been trusted by thousands of Salesforce users since 2012. 📕PAYMENTS: ✅ Accept credit card and ACH payments anywhere in Salesforce ✅ Charge, Authorize, Void, Refund ✅ Send payment request links to your customers ✅ Batch Payments ✅ Advance Payments ✅ Installments ✅ Drag and drop payment component, no coding needed 📕INVOICING: ✅ Fully customizable invoice templates ✅ Send statements ✅ Payment Plans ✅ Credit card, ACH eCheck ✅ Discounts, shipping fees, taxes ✅ Print or email multiple invoices at once 📕RECURRING BILLING/SUBSCRIPTION: ✅ Flexible schedules - monthly, quarterly, annually, etc ✅ Option to send invoice or charge credit cards automatically 📕QUICKBOOKS ONLINE SYNC: ✅ PAID Add-on for Payment Center PRO and ENTERPRISE package 📕CREDIT CARD PROCESSORS: Authorize.Net, Stripe, PayPal Payments Pro, PayPal Payflow Pro, CyberSource, Forte, Payeezy, PayLeap, Converge, Recurly, Flywire, Adyen, Moneris, EPPS, CardConnect, NMI, ServeFirst etc 📕OTHER INTEGRATIONS: ✅ Accounting Seed ✅ Ascent Solutions ✅ Salesforce Communities(no coding needed) ✅ Developer API PCI COMPLIANT - Payment Center uses the Encrypted Fields feature which is Level 1 PCI Compliant


  **Average Rating:** 5.0/5.0
  **Total Reviews:** 31

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.9/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.7/10 (Category avg: 8.6/10)
- **Level 3:** 9.6/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.6/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [Kulturra.com](https://www.g2.com/sellers/kulturra-com)
- **Year Founded:** 2012
- **HQ Location:** Torrance, CA
- **Twitter:** @Kulturra (212 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/kulturra.com/ (17 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Computer Software
  - **Company Size:** 68% Small-Business, 29% Mid-Market


#### Pros & Cons

**Pros:**

- Customer Support (9 reviews)
- Response Time (7 reviews)
- Customer Satisfaction (4 reviews)
- Ease of Use (4 reviews)
- Salesforce Integration (4 reviews)

**Cons:**

- Connection Issues (1 reviews)
- Difficult Customization (1 reviews)
- Form Design (1 reviews)
- Integration Issues (1 reviews)
- Lack of Customization (1 reviews)

  ### 25. [WEX Business Payments](https://www.g2.com/products/wex-business-payments/reviews)
  What we do We simplify business-to-business (B2B) payments, primarily using electronic payments to increase security, streamline processes, and generate revenue. What we provide Globally, our customers can monetize and digitize business payments. Our technology, platforms, and processes are customer-centric, allowing businesses to earn revenue seamlessly through rebates and high supplier acceptance rates. Our customers: Reduce risk in their payments process. Minimize operational costs/processes to increase revenue. Improve reconciliation through enhanced data and automation. Why WEX WEX is one of the largest Mastercard and Visa commercial card issuers in the U.S., and we power payments for 8 of the 10 largest OTAs in the world. The value we offer to customers is our versatile platform, global scalability, and financial incentives. We power over $80B in payments annually.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 22

**User Satisfaction Scores:**

- **Has the product been a good partner in doing business?:** 9.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.3/10 (Category avg: 8.6/10)
- **Level 3:** 5.0/10 (Category avg: 7.8/10)
- **Accounting integration:** 9.6/10 (Category avg: 8.4/10)


**Seller Details:**

- **Seller:** [WEX](https://www.g2.com/sellers/wex)
- **Company Website:** https://www.WEXInc.com
- **Year Founded:** 1983
- **HQ Location:** Portland, Maine
- **Twitter:** @WEXIncNews (1,885 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/wexinc (5,226 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Company Size:** 45% Small-Business, 27% Mid-Market


#### Pros & Cons

**Pros:**

- Ease of Use (8 reviews)
- Easy Payments (3 reviews)
- Efficiency (3 reviews)
- Speed (3 reviews)
- Virtual Cards (3 reviews)

**Cons:**

- Outdated Interface (2 reviews)
- Poor Interface Design (2 reviews)
- Authentication Issues (1 reviews)
- Complex Interface (1 reviews)
- Complexity (1 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.