# Best Payment Processing Software - Page 8 *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. ## How Many Payment Processing Software Products Does G2 Track? **Total Products under this Category:** 543 ## How Does G2 Rank Payment Processing Software Products? **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 20,800+ Authentic Reviews - 543+ 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. ## Top Payment Processing Software at a Glance | # | Product | Rating | Best For | What Users Say | |---|---------|--------|----------|----------------| | 1 | [PayPal Payments](https://www.g2.com/products/paypal/reviews) | 4.4/5.0 (2,675 reviews) | Global payment collection and transfers | "[Secure and Easy Payment Scheduling](https://www.g2.com/survey_responses/paypal-payments-review-12714363)" | | 2 | [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) | 4.5/5.0 (568 reviews) | Amazon-account checkout for faster payments | "[Efficient, User-Friendly Payment Solution](https://www.g2.com/survey_responses/amazon-pay-for-business-review-12661035)" | | 3 | [Venmo](https://www.g2.com/products/paypal-venmo/reviews) | 4.6/5.0 (259 reviews) | Fast mobile payments for small transactions | "[Convenient, No-fee Transfers with Instant Payments.](https://www.g2.com/survey_responses/venmo-review-12670039)" | | 4 | [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) | 4.4/5.0 (1,778 reviews) | Automated AP and AR payment workflows | "[Great Bill Payment Platform](https://www.g2.com/survey_responses/bill-ap-ar-review-12713619)" | | 5 | [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) | 4.2/5.0 (445 reviews) | Developer-friendly online payment integration | "[Very easy to integrate with other websites and other apps / modules. Never had any issues.](https://www.g2.com/survey_responses/stripe-payments-review-11242701)" | | 6 | [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) | 3.8/5.0 (33 reviews) | Unified online and in-store payment operations | "[All-in-One Payment Processing for Online and In-Store Sales](https://www.g2.com/survey_responses/adyen-payments-review-12661504)" | | 7 | [Nickel](https://www.g2.com/products/nickel/reviews) | 4.9/5.0 (169 reviews) | Low-cost ACH and invoice payments | "[Low Fees and Easy Invoicing with Nickel and QuickBooks Online Integration](https://www.g2.com/survey_responses/nickel-review-12702130)" | | 8 | [FreshBooks](https://www.g2.com/products/freshbooks/reviews) | 4.5/5.0 (952 reviews) | Invoicing and recurring payment collection | "[Straightforward Invoicing and Tracking with a Clean, Easy-to-Navigate Interface](https://www.g2.com/survey_responses/freshbooks-review-12668419)" | | 9 | [checkout.com](https://www.g2.com/products/checkout-com/reviews) | 4.6/5.0 (69 reviews) | Global payment processing and transaction visibility | "[The best tool to check on transaction statuses internationally](https://www.g2.com/survey_responses/checkout-com-review-11709452)" | | 10 | [Ignition](https://www.g2.com/products/ignition/reviews) | 4.7/5.0 (121 reviews) | — | "[All-in-One System That Simplifies Proposals, Engagement Letters, and Invoicing](https://www.g2.com/survey_responses/ignition-review-12759341)" | ## Which Payment Processing Software Is Best for Your Use Case? - **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) ## Which Type of Payment Processing Software Tools Are You Looking For? - [Payment Processing Software](https://www.g2.com/categories/payment-processing) *(current)* - [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) --- **Sponsored** ### 8am CPACharge 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. [Visit 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=113232&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%252Fhelcim%252Fwishlists%253Fhost_path%253D%25252Fcategories%25252Fpayment-processing%2526source%253Dcategory&secure%5Btoken%5D=97fd1ddd8b1a627520cb48ff6fc58a5fe1291d4ef2e24083f8c9925d846eee78&secure%5Burl%5D=https%3A%2F%2Fwww.8am.com%2Flanding%2Fcpacharge%2F%3Futm_campaign%3Dcpa-evergreen-g2clicks%26utm_medium%3Dreview%26utm_source%3Dg2&secure%5Burl_type%5D=book_demo) --- ## Buyer Guide: Key Questions for Choosing Payment Processing Software Software ### What does Payment Processing software do? I view Payment Processing software as the system that helps businesses accept, send, record, and track payments. It supports the transaction itself and the financial records connected to it. These tools often manage card payments, ACH, digital wallets, invoices, vendor bills, POS payments, payouts, refunds, and accounting sync. For teams handling customer payments or vendor transactions, the software keeps payment status, customer or vendor details, and financial activity easier to manage in one place. ### Why do businesses use Payment Processing software? From the reviewer patterns I evaluated, businesses used Payment Processing software to reduce manual work around collecting money, paying vendors, and tracking payment status. Users often describe faster invoice collection, easier vendor payments, fewer bank steps, and clearer records of who paid and how. The recurring benefits are practical: - Reviewers like invoice payment links, ACH options, card payments, and digital wallet support. - Users value accounting sync because payment records need to match invoices and customer accounts. - Vendor self-service and reminders help reduce back-and-forth for AP and AR teams. - Payment tracking gives businesses a clearer view of deposits, payouts, and open balances. Friction areas include fees, settlement timing, support delays, sync errors, reporting limits, account holds, and missing bulk-payment controls. ### Who uses Payment Processing software primarily? After reviewing user roles and workflows, I found that Payment Processing software is used by: - **Finance teams** to track deposits, payouts, fees, and payment status. - **Accounting teams** to sync payments with invoices, customer records, and bank activity. - **AP teams** to pay vendors, manage approvals, and reduce manual entry. - **AR teams** to collect invoices, send reminders, and reconcile payments. - **Operations teams** to manage payment workflows tied to service delivery or admin work. - **Owners and administrators** to keep cash movement visible without moving between banks, spreadsheets, and accounting tools. - **Customer-facing teams** who use links, portals, or POS tools to collect payment during service or checkout. ### What types of Payment Processing software should I consider? Based on G2 review themes, Payment Processing software users segment this category into the following types: - **AP and AR automation platforms:** Best for vendor payments, invoice collection, approvals, reminders, and accounting sync. - **Checkout and digital wallet tools:** Best for websites, portals, app payments, and customer-facing payment flows. - **POS payment tools:** Best for in-person sales, product records, customer details, and card acceptance. - **Cross-border payout tools:** Best for international payments, contractor payouts, and currency-related workflows. - **ACH and disbursement systems:** Best for bank payments, payroll-adjacent payouts, and recurring money movement. ### What are the core features to look for in Payment Processing software? When I assess this category, the following core functions are common across the strongest platforms: - Card, ACH, wallet, bank transfer, and invoice payment support. - Payment links and customer-facing checkout options. - Vendor profiles, customer records, and approval flows. - Reminders, refund handling, failed-payment controls, and chargeback support. - Transaction search, exports, dashboards, and payout tracking. - Accounting sync, invoice status updates, and bank reconciliation. - Fee visibility, fraud controls, bulk actions, and support access. ### What trends are shaping Payment Processing software right now? From my evaluation of review patterns and current market research, several themes stand out: - **More payment rails in one workflow:** Businesses are comparing cards, ACH, instant payments, wallets, and bank transfers together. - **ACH and Same Day ACH growth:** Payment systems are being judged by speed, cost, and settlement visibility. - **Fraud and risk controls:** Buyers are paying closer attention to account holds, verification, chargebacks, and payment disputes. - **Embedded payments:** Payment activity is moving deeper into invoices, customer portals, marketplaces, and business software. - **AI-assisted fraud and reconciliation:** Payment providers are using AI more often for risk scoring, transaction optimization, and settlement work. ### How should I choose Payment Processing software? I recommend starting with the payment workflow that creates the most manual work. If the team pays vendors, prioritize approvals, ACH support, vendor onboarding, and accounting sync. If the team collects customer payments, focus on invoice links, card fees, checkout setup, reminders, deposits, and refund handling. For in-person sales, check POS reliability, reporting, and how product or customer details carry into payment records. --- ## What Are the Top-Rated Payment Processing Software Products in 2026? ### 1. [Paywint](https://www.g2.com/products/paywint/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 2 **Product Description:** Paywint is a Digital Wallet to Request, Send & Receive Money Instantly. Link multiple Bank Accounts and Debit or Credit Cards. Share a unique Payment Link, QR Code, or Pay Tag to receive money from anyone. Download from the Apple Store or Google Play Store, or use a Web Browser online. Ultra Secured with Encryption and AI-powered fraud detection. Integrate Apple Pay, Google Pay, PayPal, CashApp, Zelle, and Venmo seamlessly for real-time funding or withdrawal. Students, Travellers, Workers, and Freelancers can pay Family, Friends, and Business partners in other countries. Small Business Owners can make Vendor Payments, Customer Payments, Payroll etc. Wallet supports Multi Currency and Multi Language. Open a Digital Bank Account and get a Virtual or Physical Card. Group Payments and Bill-splitting with Shared Wallets for Family/Friends/Group Accounts. Real-Time Alerts for every Transaction via Text, Email, Push, etc. Multiple Accounts for Merchants, with Multi-User Access and customizable user permissions. Integrate Accounting Platforms like QuickBooks/Xero/Sage/FreshBooks/Zoho/NetSuite etc. Schedule Recurring Payments and Bill Payments. Payment Widget to integrate into websites. AI-powered Budget Planner. 24/7 Customer Support over Phone, Email, Text and Chat. ### What Do G2 Reviewers Say About Paywint? *AI-generated summary from verified user reviews* **Pros:** - Users find Paywint's platform to be **user-friendly** , making cross-border payments and payouts a smooth experience. - Users appreciate the **user-friendly interface** of Paywint, enhancing their experience with cross-border payments and timely payouts. - Users commend the **reliability** of Paywint, with timely payouts and effective handling of cross-border payments. **Cons:** - Users face **connectivity issues** that affect their experience, particularly with the mobile app's limitations and slow support response. - Users note the **limited features** of Paywint, missing advanced analytics and essential financial tool integrations. - Users experience **poor customer support** with slow responses, particularly during urgent issues, impacting overall satisfaction. - Users find the **limited mobile app and slow customer support** to hinder their overall experience with Paywint. #### What Are Recent G2 Reviews of Paywint? **"[I’ve used Paywint for a few months now, and here’s my honest take](https://www.g2.com/survey_responses/paywint-review-11297121)"** **Rating:** 5.0/5.0 stars *— Subho S.* [Read full review](https://www.g2.com/survey_responses/paywint-review-11297121) --- **"[Reliable Tool for Managing Transactions](https://www.g2.com/survey_responses/paywint-review-12687920)"** **Rating:** 5.0/5.0 stars *— Great Master G.* [Read full review](https://www.g2.com/survey_responses/paywint-review-12687920) --- ### 2. [Rvvup Payments](https://www.g2.com/products/rvvup-payments/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 2 **Product Description:** Rvvup is a Payments 3.0 multi-rail payment platform that delivers new real-time open banking and digital currency payments, alongside Cards, PayPal, Apple Pay & BNPL - future proofing businesses with one simple integration, instant settlement, increased conversion and lower fees. #### What Are Recent G2 Reviews of Rvvup Payments? **"[The Best Wordpress Payment Platform Going](https://www.g2.com/survey_responses/rvvup-payments-review-9015620)"** **Rating:** 5.0/5.0 stars *— Justin P.* [Read full review](https://www.g2.com/survey_responses/rvvup-payments-review-9015620) --- **"[Seemless, Beautiful, Incredible Support](https://www.g2.com/survey_responses/rvvup-payments-review-9129661)"** **Rating:** 5.0/5.0 stars *— Jon H.* [Read full review](https://www.g2.com/survey_responses/rvvup-payments-review-9129661) --- ### 3. [Sertifi](https://www.g2.com/products/sertifi/reviews) **Average Rating:** 4.8/5.0 **Total Reviews:** 133 **Product Description:** Sertifi provides a complete contracting, payment, and authorization platform for the hospitality and travel industry. Brands like Marriott, Topgolf, and AEG Worldwide trust Sertifi to efficiently and securely finalize event and travel bookings with their guests. Sertifi’s easy-to-use platform helps tens of thousands of businesses in more than 135 countries, with more than $5 billion in payment requests being sent through the system annually. With decades of experience in hospitality and travel, Sertifi is building a network that gives guests and travelers across the globe a great experience from the start. Sertifi for e-Signatures Send and sign fully branded agreements – anytime, anywhere, from any device. Give your guests a convenient, digital experience and see completed contracts flow in 90% faster. Sertifi for Payments Avoid delays and get paid 2.5x faster by sending payment and signature requests together. Behind the scenes, Sertifi captures and processes your payments as one PCI-compliant solution. SertifiPay Get paid even faster with our proprietary payment processor, available worldwide and powered by Stripe. In less than 10 minutes, you can sign up to accept payments directly in Sertifi – one account, one complete workflow. Sertifi for Digital Authorizations Digitize payment authorizations to keep your guest’s information secure with PCI compliance and receive completed forms 5x faster. Eliminate chargebacks with advanced fraud tools that instantly verify cards and detect fraud early. Enjoy seamless B2B payment delivery between travel companies - such as travel management companies and virtual card providers - and travel suppliers, particularly hotels. It's a convenient, secure alternative to faxes. Contact us directly at corp.sertifi.com. #### What Are Recent G2 Reviews of Sertifi? **"[Awesome Software once you get used to it](https://www.g2.com/survey_responses/sertifi-review-7645298)"** **Rating:** 5.0/5.0 stars *— Andrew S.* [Read full review](https://www.g2.com/survey_responses/sertifi-review-7645298) --- **"[Super helpful to prevent frauds](https://www.g2.com/survey_responses/sertifi-review-8136932)"** **Rating:** 5.0/5.0 stars *— Verified User in Health, Wellness and Fitness* [Read full review](https://www.g2.com/survey_responses/sertifi-review-8136932) --- ### 4. [Skydo](https://www.g2.com/products/skydo/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 2 **Product Description:** Skydo helps Indian exporters receive cross-border payments effortlessly and at low-cost. #### What Are Recent G2 Reviews of Skydo? **"[The best platform to receive International Payments.](https://www.g2.com/survey_responses/skydo-review-8326473)"** **Rating:** 5.0/5.0 stars *— Suraj S.* [Read full review](https://www.g2.com/survey_responses/skydo-review-8326473) --- **"[A very smooth payments experience. Loved seeing the bank accounts getting created in 5 mins](https://www.g2.com/survey_responses/skydo-review-8434955)"** **Rating:** 5.0/5.0 stars *— Ansh R.* [Read full review](https://www.g2.com/survey_responses/skydo-review-8434955) --- ### 5. [SnapPay](https://www.g2.com/products/fiserv-snappay/reviews) **Average Rating:** 4.5/5.0 **Total Reviews:** 2 **Product Description:** SnapPay is a cloud-based, enterprise payment solution designed to streamline accounts receivable and accounts payable processes for mid-sized and large businesses. By integrating seamlessly with enterprise resource planning systems like SAP S/4HANA and Oracle ERP Cloud, SnapPay automates payment collections, accelerates order-to-cash cycles, and reduces IT and accounting costs. Key Features and Functionality: - Seamless ERP Integration: SnapPay offers process-level integration with leading ERP systems, ensuring efficient transactions and a shorter time to market. - Electronic Invoice Presentment and Payment : The platform includes an EIPP portal that digitizes invoicing, making AR processes touchless and accelerating cash collection. - Comprehensive Payment Acceptance: SnapPay supports various payment methods, including credit cards, Automated Clearing House , and other digital payment options, catering to diverse customer preferences. - Advanced Security Measures: The solution provides end-to-end protection, safeguarding sensitive financial data and ensuring compliance with industry standards. - Analytics and Reporting: SnapPay offers robust analytics and reporting tools, providing businesses with valuable insights into their financial operations. Primary Value and Problem Solved: SnapPay addresses the inefficiencies in traditional AR and AP processes by automating and digitizing payment workflows. This transformation leads to faster order-to-cash cycles, reduced days sales outstanding , and minimized AR costs. By integrating with existing ERP systems, SnapPay enhances operational efficiency, improves working capital management, and supports businesses in their digital transformation journey. #### What Are Recent G2 Reviews of SnapPay? **"[My personal experience with SnapPay](https://www.g2.com/survey_responses/snappay-review-8792048)"** **Rating:** 4.0/5.0 stars *— Deep N.* [Read full review](https://www.g2.com/survey_responses/snappay-review-8792048) --- **"[Very Good platform with various payment method](https://www.g2.com/survey_responses/snappay-review-8766198)"** **Rating:** 5.0/5.0 stars *— Arka S.* [Read full review](https://www.g2.com/survey_responses/snappay-review-8766198) --- ### 6. [Splink](https://www.g2.com/products/splink/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 2 **Product Description:** Our mission is to help businesses increase cash flow and recover time wasted chasing payments. We do this by providing a superior business and customer experience that is simple to use and intuitive and a secure, frictionless transaction that leads to higher payment rates. Our flexible payments solution enables businesses to pick and choose from 20+ payment solutions, allowing businessess to take and request payments and set up a simple online shop in a way that amplifies their transaction volume. We also offer our solution white-labeled, providing companies with their own Digital Payments Business, enabling them to add a new recurring revenue arm to their existing business. Partnering with PSPs, Merchants and Banks, our modular and fully customisable platform has been created to be exceptional. Our powerful API enables us to offer a flexible and scalable solution that can be up and running within a matter of days. ### What Do G2 Reviewers Say About Splink? *AI-generated summary from verified user reviews* **Pros:** - Users value the **customization options** in Splink, enhancing payment processes and follow-up efficiency. - Users appreciate the **easy payments** feature of Splink, enabling seamless management of invoices and payment links. - Users value the **convenience of managing invoices** and payment links seamlessly within one console. - Users value the **customizable messaging** for payment processes, enhancing customer follow-ups across the UK and Ireland. **Cons:** - Users find that Splink can be **expensive to set up** , with high development costs due to its limited functionality. - Users face **integration issues** with Splink due to its separate console, limiting options for smaller enterprises. #### What Are Recent G2 Reviews of Splink? **"[Customised Invoices and Payment Links](https://www.g2.com/survey_responses/splink-review-10598257)"** **Rating:** 5.0/5.0 stars *— Quinn B.* [Read full review](https://www.g2.com/survey_responses/splink-review-10598257) --- **"[Excellent easy to use payment process](https://www.g2.com/survey_responses/splink-review-10607760)"** **Rating:** 5.0/5.0 stars *— David B.* [Read full review](https://www.g2.com/survey_responses/splink-review-10607760) --- ### 7. [Unlimit](https://www.g2.com/products/unlimit/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 2 **Product Description:** Founded in 2009, Unlimit is a leading global fintech company on a mission to make payments truly borderless. By delivering innovative solutions that eliminate financial limitations, we enable businesses to operate locally and globally, and scale effortlessly across Europe, the UK, LATAM, APAC, India, and Africa. From London to Singapore and San Francisco to Mexico, Unlimit has redefined global payments through a proprietary infrastructure that integrates payment processing, banking-as-a-service, multi-currency business accounts, and on-ramp/off-ramp capabilities—all within a single platform. Driven by innovation, determination, and a passion for change, Unlimit is the ideal partner for businesses looking to grow faster and go further. ### What Do G2 Reviewers Say About Unlimit? *AI-generated summary from verified user reviews* **Pros:** - Users praise the **ease of use** of Unlimit, appreciating its intuitive interface and quick setup for managing payments. - Users appreciate the **easy payment methods** of Unlimit, enhancing financial organization and simplifying global payment management. - Users appreciate the **ease of managing payments** with Unlimit, enjoying its clear interface and quick setup. - Users find the **ease of implementation** of Unlimit beneficial, enjoying quick setup and intuitive integration with accounting tools. - Users appreciate the **easy setup** of Unlimit, enabling quick integration and efficient management of finances. **Cons:** - Users note that the setup can be **difficult** , especially with multiple subsidiaries and varied payment methods required. - Users find the **lack of payment options** challenging, especially when managing multiple subsidiaries with different needs. #### What Are Recent G2 Reviews of Unlimit? **"[Pretty much satisfied](https://www.g2.com/survey_responses/unlimit-review-9873030)"** **Rating:** 5.0/5.0 stars *— Kwilasa A.* [Read full review](https://www.g2.com/survey_responses/unlimit-review-9873030) --- **"[Exceptional!](https://www.g2.com/survey_responses/unlimit-review-9873298)"** **Rating:** 5.0/5.0 stars *— Muhammad A.* [Read full review](https://www.g2.com/survey_responses/unlimit-review-9873298) --- ### 8. [viva.com](https://www.g2.com/products/viva-com/reviews) **Average Rating:** 3.8/5.0 **Total Reviews:** 2 **Product Description:** Viva.com is supporting payments across 24 countries and over 1,165 devices. With its viva.com terminal app and viva.com Smart Checkout, viva.com offers a robust omnichannel solution that simplifies payment processing for both online and in-person transactions. This system enhances business operations, elevates the customer experience, and drives sales growth. The viva.com Smart Checkout is an online checkout solution that offers increased conversion up to 21%, and is continually self-updated, getting better and smarter over time. Integration is a breeze, requiring no coding skills from merchants. With advanced fraud protection powered by Machine Learning and strict adherence to regulatory standards like PSD2, SCA/3DS, and PCI, Smart Checkout ensures top-notch security and full compliance. Merchants can expand their payment options to include all major credit and debit cards, Apple Pay, Google Pay, Samsung Pay, PayPal, Klarna\*, Alipay, JCB, WeChat Pay, and other local payment methods. ### What Do G2 Reviewers Say About viva.com? *AI-generated summary from verified user reviews* **Pros:** - Users find that **Solutions Innovation** provides smart payment solutions, ideal for enhancing their e-commerce startups. **Cons:** - Users find the **configuration and technical aspects** of viva.com challenging, especially for SMEs, complicating usability. - Users find the **technical issues** challenging, particularly for SMEs during the configuration process. #### What Are Recent G2 Reviews of viva.com? **"[Easy to get payment with it](https://www.g2.com/survey_responses/viva-com-review-9140535)"** **Rating:** 4.0/5.0 stars *— Verified User in Consulting* [Read full review](https://www.g2.com/survey_responses/viva-com-review-9140535) --- ### 9. [WizCommerce](https://www.g2.com/products/wizcommerce-wizcommerce/reviews) **Average Rating:** 4.8/5.0 **Total Reviews:** 8 **Product Description:** WizCommerce is an AI commerce platform for modernizing wholesale sales & operations. Many wholesale organizations still rely on a combination of legacy systems, spreadsheets, manual order entry, and disconnected tools that were not designed for the realities of modern wholesale. WizCommerce addresses this gap by providing a flexible platform that adapts to how wholesale businesses actually sell and operate today. The platform is structured around four core products, each aligned to a critical wholesale workflow: 1. Sales Rep App – The AI-First Order-Taking App Sales Reps Actually Love 2. B2B E-Commerce – B2B E-Commerce Platform Built for Wholesale Native Workflows 3. AI Catalog + Product Imagery – Studio-Quality Catalog Images Without Photoshoots 4. B2B Payments Provider – B2B Payments Embedded Directly Into Wholesale Workflows In addition to these core products, WizCommerce includes AI Co-Workers that automate specific, repetitive jobs across the wholesale lifecycle, such as order intake from emails and PDFs, quote generation, data cleanup, and follow-ups. These AI-driven workflows are designed to reduce manual effort rather than replace existing teams. WizCommerce is typically used by wholesale distributors and brands looking to modernize sales operations, reduce operational friction, and scale without adding unnecessary complexity or headcount. ### What Do G2 Reviewers Say About WizCommerce? *AI-generated summary from verified user reviews* **Pros:** - Users value the **ease of use** of WizCommerce, appreciating its user-friendly interface and efficient features. - Users appreciate the **comprehensive data management** of WizCommerce, streamlining both showroom and web sales effectively. - Users appreciate the **seamless integration and AI features** of WizCommerce, enhancing efficiency in managing sales and orders. - Users appreciate the **simplified and unified inventory management** of WizCommerce, enhancing their B2B workflow efficiency significantly. - Users appreciate the **reliability** of WizCommerce, benefiting from streamlined processes and responsive support throughout their operations. **Cons:** - Users experience **inaccuracy in contact search** , leading to confusion and challenges in managing customer records effectively. - Users find the **learning curve steep** with WizCommerce, needing significant effort to fully utilize its features. - Users experience **access issues** with logging in, though it's often attributed to user error rather than WizCommerce itself. - Users experience **accuracy issues** with fine details in WizCommerce, which complicates their overall experience. - Users find the **complex implementation** of WizCommerce to be challenging, requiring significant effort for setup. #### What Are Recent G2 Reviews of WizCommerce? **"[Revolutionizes Order Management with Seamless Integration](https://www.g2.com/survey_responses/wizcommerce-review-12270277)"** **Rating:** 5.0/5.0 stars *— David L.* [Read full review](https://www.g2.com/survey_responses/wizcommerce-review-12270277) --- **"[WizCommerce is great!](https://www.g2.com/survey_responses/wizcommerce-review-12311529)"** **Rating:** 4.5/5.0 stars *— Bree C.* [Read full review](https://www.g2.com/survey_responses/wizcommerce-review-12311529) --- ### 10. [Workee](https://www.g2.com/products/workee/reviews) **Average Rating:** 4.9/5.0 **Total Reviews:** 6 **Product Description:** Workee is the all-in-one booking and marketing platform for service-based clinics and studios — including med spas, wellness clinics, and beauty studios. We help you fill your calendar, reduce no-shows, and turn website visitors into paying clients with less manual work. Clients can book in just 2 clicks, no logins or forms needed, and you can sell services, memberships, and products directly from your site. Run promotions, discounts, and referral offers without extra tools. As one med spa owner put it: “Our calendar stays full and we spend way less time on admin. It’s like having a front desk, website, and marketing team all in one.” Let Workee handle the busywork so you can focus on client results. ### What Do G2 Reviewers Say About Workee? *AI-generated summary from verified user reviews* **Pros:** - Users find Workee exceptionally **easy to use** , providing a seamless experience for managing consultations and services. - Users appreciate the **scheduling ease** of Workee, making client consultations and payments seamless and efficient. - Users love the **easy payment integration** in Workee, which simplifies invoicing and boosts overall productivity. - Users love the **easy scheduling** feature of Workee, which simplifies managing consultations and payments seamlessly. - Users praise Workee for its **efficient payment management** , making consultations and invoicing hassle-free and well-organized. **Cons:** - Users desire more control over **integration issues** , particularly with website creation and blog platforms like Substack. - Users desire better **integration options** for website creation and platforms like Substack to enhance functionality. - Users desire more **control over website creation** elements and better integration options for blogs. #### What Are Recent G2 Reviews of Workee? **"[My favorite, easy to use tool! A lot of useful features all in one platform](https://www.g2.com/survey_responses/workee-review-10428862)"** **Rating:** 5.0/5.0 stars *— Kate B.* [Read full review](https://www.g2.com/survey_responses/workee-review-10428862) --- **"[An industry-leading platform for coaches, teachers, consultants and counselors](https://www.g2.com/survey_responses/workee-review-10402268)"** **Rating:** 5.0/5.0 stars *— Dr. Gianmichael S.* [Read full review](https://www.g2.com/survey_responses/workee-review-10402268) --- ### 11. [WorldPay Extension for SAP Commerce Cloud](https://www.g2.com/products/worldpay-extension-for-sap-commerce-cloud/reviews) **Average Rating:** 4.0/5.0 **Total Reviews:** 2 **Product Description:** A seamless extension to the Commerce storefront, Worldpay's payments solution enables retailers to implement their global payment strategy through a single integration in a secure, compliant and unified approach. The Worldpay extension enables retailers to gain access to: Global and regional payment methods, a variety of integration options, tokenisation, 3D Secure 2 and market leading fraud screening, and single-click checkout #### What Are Recent G2 Reviews of WorldPay Extension for SAP Commerce Cloud? **"[Really user friendly, customer service is okay](https://www.g2.com/survey_responses/worldpay-extension-for-sap-commerce-cloud-review-9802424)"** **Rating:** 5.0/5.0 stars *— Stefan M.* [Read full review](https://www.g2.com/survey_responses/worldpay-extension-for-sap-commerce-cloud-review-9802424) --- ### 12. [Xplor Pay](https://www.g2.com/products/xplor-pay/reviews) **Average Rating:** 4.0/5.0 **Total Reviews:** 2 **Product Description:** Xplor Pay is a payment processor that offers a range of solutions for SaaS providers and SMBs. #### What Are Recent G2 Reviews of Xplor Pay? **"[Easy company to work with.](https://www.g2.com/survey_responses/xplor-pay-review-2395427)"** **Rating:** 5.0/5.0 stars *— Verified User in Construction* [Read full review](https://www.g2.com/survey_responses/xplor-pay-review-2395427) --- **"[Support Beyond Expectations ](https://www.g2.com/survey_responses/xplor-pay-review-2644463)"** **Rating:** 4.5/5.0 stars *— Christopher B.* [Read full review](https://www.g2.com/survey_responses/xplor-pay-review-2644463) --- ### 13. [Zepto](https://www.g2.com/products/zepto-2022-04-07/reviews) **Average Rating:** 4.3/5.0 **Total Reviews:** 2 **Product Description:** Zepto creates enterprise-ready, API-powered, real-time account-to-account [A2A] payment solutions that flex and scale with your business. The first non-bank fintech connected directly to the real-time payment rails of Australia's New Payments Platform, and the first non-bank payments provider Accredited Data Recipient [ADR] under the ACCC’s Consumer Data Right [CDR], Zepto is Australia’s leading A2A payments infrastructure innovator. Founded in Byron Bay in 2017 as Split Payments by four local entrepreneurs who had experienced the debilitating impacts of legacy payment infrastructure in their successful tourism business, Zepto has grown from bootstrapped start-up to award-winning, trail blazing payments technology company processing some $50 billion of digital payments annually. In 2021, Split Payments rebranded as Zepto. Zepto’s trusted, world-class tech opens up a unique set of access points to Australia’s A2A payments infrastructure enabling businesses to seamlessly take, make and manage payments by connecting them directly to their customers’ bank accounts. That means businesses can confidently collect and receive data-rich payments directly from their customers' bank accounts, and have those payments settle and reconcile instantly 24-7-365. Yes, even on weekends and public holidays. Zepto solutions can transform businesses in a number of ways: SUPERSONIC CASHFLOW We've revolutionised speed-to-wallet and cash flow. Zepto powers seamless pay-ins and outs with speed, data and precision which can be made at any time of day, 365 days a year. COST TRANSFORMATION Zepto's account-to-account solutions can reduce direct and indirect payment costs, reduce failed payments and dishonours, and can streamline your back-office processes. EFFICIENCY & AUTOMATION Zepto's payment solutions can transform back-office operations through enriched embedded data enabling automatic reconciliation, and programmatic insights. CUSTOMER EXPERIENCE Differentiate your offering through an uplifted payment experience, and embed payments as part of your product offering to create experiences your customers actually like. TRUST & COMPLIANCE The highest levels of compliance, security, reliability and scalability. Zepto does the heavy lifting for you, giving you peace of mind at the highest level. The buck stops here. ### What Do G2 Reviewers Say About Zepto? *AI-generated summary from verified user reviews* **Pros:** - Users find Zepto's **ease of use** exceptional, particularly when adding accounts and making secure payments. - Users value the **easy payments** process on Zepto, appreciating its quick setup and enhanced security features. - Users value the **security of payments** with Zepto, ensuring safe transactions during their shopping experience. **Cons:** - Users find the **navigation difficult** , with suggestions for improvements in the user interface for better usability. #### What Are Recent G2 Reviews of Zepto? **"[Zepto - Made Payments Easier to Everyone](https://www.g2.com/survey_responses/zepto-review-8777446)"** **Rating:** 5.0/5.0 stars *— Anup K.* [Read full review](https://www.g2.com/survey_responses/zepto-review-8777446) --- ### 14. [Zift](https://www.g2.com/products/zift/reviews) **Average Rating:** 4.8/5.0 **Total Reviews:** 2 **Product Description:** Zift specializes in payment technology that helps businesses of all shapes and sizes increase revenues, growth, and customer loyalty. #### What Are Recent G2 Reviews of Zift? **"[Best Cloud Channel Management](https://www.g2.com/survey_responses/zift-review-7549843)"** **Rating:** 5.0/5.0 stars *— Jason L.* [Read full review](https://www.g2.com/survey_responses/zift-review-7549843) --- **"[This is a great platform to manage lead, Cosell & resell Deal](https://www.g2.com/survey_responses/zift-review-5056020)"** **Rating:** 4.5/5.0 stars *— Verified User in Computer Software* [Read full review](https://www.g2.com/survey_responses/zift-review-5056020) --- #### What Are G2 Users Discussing About Zift? - [What is Zift used for?](https://www.g2.com/discussions/what-is-zift-used-for) ### 15. [Acquired.com](https://www.g2.com/products/acquired-com/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Product Description:** Our payment gateway allows UK based businesses to accepts payments via Card, Apple Pay, Google Pay and Open Banking, all within one integration. ### What Do G2 Reviewers Say About Acquired.com? *AI-generated summary from verified user reviews* **Pros:** - Users commend the **helpful customer support** from Acquired.com, consistently seeking to enhance the product and offerings. - Users commend the **helpful and proactive team** at Acquired.com, enhancing the product and overall experience. #### What Are Recent G2 Reviews of Acquired.com? **"[A great Team](https://www.g2.com/survey_responses/acquired-com-review-9112646)"** **Rating:** 5.0/5.0 stars *— Dan C.* [Read full review](https://www.g2.com/survey_responses/acquired-com-review-9112646) --- ### 16. [AUX365](https://www.g2.com/products/aux365/reviews) **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **Product Description:** Aux365 is a comprehensive payments and communication solution designed to empower businesses through true digital transformation. The platform simplifies how businesses manage transactions and engage with customers, offering tools such as Instant Checkout Links, QR payment codes, virtual terminals, and secure donation links. Aux365 enables businesses to create seamless payment experiences without requiring a full website, allowing transactions via social media, text messages, or QR codes. Additionally, its communication tools help businesses maintain better customer relationships and streamline operations. Aux365 serves small to medium-sized businesses, e-commerce sellers, food trucks, and service providers seeking efficient, secure, and scalable digital solutions. ### What Do G2 Reviewers Say About AUX365? *AI-generated summary from verified user reviews* **Pros:** - Users appreciate the **seamless communication** options in AUX365 for texting, calling, and emailing clients effortlessly. - Users value the **seamless invoicing** process of AUX365, integrating multiple communication methods into one platform. - Users love the **seamless messaging capabilities** of AUX365, enabling easy communication through various channels in one window. #### What Are Recent G2 Reviews of AUX365? **"[Never thought an app can be so useful and also easy to use](https://www.g2.com/survey_responses/aux365-review-10614134)"** **Rating:** 4.5/5.0 stars *— Mahmood A.* [Read full review](https://www.g2.com/survey_responses/aux365-review-10614134) --- ### 17. [B2BPay](https://www.g2.com/products/b2bpay/reviews) **Average Rating:** 4.5/5.0 **Total Reviews:** 2 **Product Description:** B2BPay is a online banking software that offers a virtual bank account for business. It features a non resident bank account in Europe, can integrate with marketplaces and payment gateways and gets notifications of incoming payments. #### What Are Recent G2 Reviews of B2BPay? **"[The Digital Revolution in Business Transactions Discover its Magic!](https://www.g2.com/survey_responses/b2bpay-review-8922755)"** **Rating:** 4.5/5.0 stars *— Lis T.* [Read full review](https://www.g2.com/survey_responses/b2bpay-review-8922755) --- **"[Best for Smooth Transactions](https://www.g2.com/survey_responses/b2bpay-review-8934352)"** **Rating:** 4.5/5.0 stars *— Ankit K.* [Read full review](https://www.g2.com/survey_responses/b2bpay-review-8934352) --- ### 18. [Balance](https://www.g2.com/products/balance/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Product Description:** Getting paid by businesses online is complex. Most payment solutions process credit cards only, while business buyers prefer to pay using methods like wires, checks, and ACH. Business buyers also need payment terms, invoicing flows, and flexible transaction structures like milestone or recurring payments. Balance manages all of this complexity behind an elegant checkout experience, with built-in financing, and makes offering flexible payment methods and terms as easy as using a credit card. #### What Are Recent G2 Reviews of Balance? **"[Great platform and support](https://www.g2.com/survey_responses/balance-review-5067318)"** **Rating:** 5.0/5.0 stars *— Verified User in Computer Hardware* [Read full review](https://www.g2.com/survey_responses/balance-review-5067318) --- #### What Are G2 Users Discussing About Balance? - [What is Balance Payments used for?](https://www.g2.com/discussions/what-is-balance-payments-used-for) ### 19. [Billhop](https://www.g2.com/products/billhop/reviews) **Average Rating:** 4.5/5.0 **Total Reviews:** 1 **Product Description:** Billhop is a Swedish payment service, enabling businesses and individuals to pay their bills using their existing credit or debit card. #### What Are Recent G2 Reviews of Billhop? **"[Very good simple system](https://www.g2.com/survey_responses/billhop-review-7935146)"** **Rating:** 4.5/5.0 stars *— Nicholas M.* [Read full review](https://www.g2.com/survey_responses/billhop-review-7935146) --- ### 20. [Billment®](https://www.g2.com/products/billment/reviews) **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **Product Description:** Billment is an invoice management efficiency tool that integrates with QuickBooks to save you time and up to 90% on Credit Card Processing Fees. Billment feature stack goes deep, including features like batch processing payments, batch invoice automations, scheduled payment processing, and much more. The UX is effortless and customer support top rated. #### What Are Recent G2 Reviews of Billment®? **"[Simple, Easy-to-Use Experience](https://www.g2.com/survey_responses/billment-review-12460067)"** **Rating:** 4.0/5.0 stars *— Julie C.* [Read full review](https://www.g2.com/survey_responses/billment-review-12460067) --- **"[Exceptional Invoicing Tool](https://www.g2.com/survey_responses/billment-review-7106622)"** **Rating:** 5.0/5.0 stars *— Jesse D.* [Read full review](https://www.g2.com/survey_responses/billment-review-7106622) --- ### 21. [Bizpay](https://www.g2.com/products/bizpay/reviews) **Average Rating:** 3.0/5.0 **Total Reviews:** 1 **Product Description:** BizPay is a comprehensive payment processing solution designed to meet the diverse needs of businesses across various industries. By offering innovative and reliable services, BizPay simplifies financial transactions, enabling businesses to focus on growth and customer satisfaction. With a commitment to cutting-edge technology and personalized support, BizPay ensures seamless integration and efficient payment processing tailored to each client's requirements. Key Features and Functionality: - 24/7 Customer Support: Dedicated assistance available around the clock to address all processing needs. - Flexible Pricing: Customized pricing structures designed to accommodate the budgets and needs of growing businesses. - Fast and Easy Setup: Quick and seamless integration of payment systems with existing business setups. - Cutting-Edge Technology: Utilization of the latest technological advancements to ensure efficient and secure transactions. - Dual Processing Capabilities: Versatile processing options to maintain continuous and reliable payment operations. - Expertise in High-Risk Processing: Specialized solutions tailored for high-risk industries, providing secure and dependable payment processing. Primary Value and Solutions Provided: BizPay empowers businesses by offering tailored payment solutions that enhance operational efficiency and customer experience. By simplifying complex financial transactions and providing robust support, BizPay enables businesses to focus on their core operations and growth strategies. The platform's flexibility and advanced technology address the unique challenges faced by various industries, ensuring secure, reliable, and efficient payment processing. ### What Do G2 Reviewers Say About Bizpay? *AI-generated summary from verified user reviews* **Pros:** - Users appreciate the **easy integrations** of Bizpay, which streamline payment processing with other accounting software. - Users value the **smooth integrations** of Bizpay, enhancing their payment processing efficiency with other accounting tools. **Cons:** - Users report experiencing **poor customer support** and frustrating glitches that detract from their overall experience with Bizpay. - Users experience frustrating **technical issues** with glitches and find the customer support lacking in quality. ### 22. [Brite](https://www.g2.com/products/brite-payments-brite/reviews) **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **Product Description:** Payments at the speed of Brite Unlock growth opportunities, improve your cash flow, enhance operational efficiency and reduce the risk of fraud. Now, those are brite ideas. #### What Are Recent G2 Reviews of Brite? **"[Brite has been very helpful and beneficial in the work place.](https://www.g2.com/survey_responses/brite-review-9151487)"** **Rating:** 4.0/5.0 stars *— Verified User in Accounting* [Read full review](https://www.g2.com/survey_responses/brite-review-9151487) --- ### 23. [CalliPay](https://www.g2.com/products/callipay/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Product Description:** CalliPay is a payment processing software that gives clients the ability to offer their customers a variety of payment methods including credit/debit cards, bank transfers, electronic or paper checks. It also enables bill presentment customized reporting and management tools using one centralized system. #### What Are Recent G2 Reviews of CalliPay? **"[Callipay - Easy Collecting debts](https://www.g2.com/survey_responses/callipay-review-12447746)"** **Rating:** 5.0/5.0 stars *— Kaushik C.* [Read full review](https://www.g2.com/survey_responses/callipay-review-12447746) --- ### 24. [Celero Commerce](https://www.g2.com/products/celero-commerce/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Product Description:** Headquartered in Nashville, Celero Commerce is a full-service, integrated electronic commerce solutions provider powered by leading-edge technology, strategic partnerships, and business intelligence. Celero offers small to mid-sized businesses payment processing services, business management software, and data intelligence, empowering them to drive growth and profitability. ### What Do G2 Reviewers Say About Celero Commerce? *AI-generated summary from verified user reviews* **Pros:** - Users value the **trustworthy account management** at Celero Commerce, appreciating the reliability and attentiveness of their account managers. - Users commend their account manager for being **trustworthy and attentive** , enhancing their overall experience with Celero Commerce. **Cons:** - Users report that **high fees** disrupt client relationships and create additional challenges in managing transactions effectively. #### What Are Recent G2 Reviews of Celero Commerce? **"[Great Company Great People](https://www.g2.com/survey_responses/celero-commerce-review-11500014)"** **Rating:** 5.0/5.0 stars *— Brooks S.* [Read full review](https://www.g2.com/survey_responses/celero-commerce-review-11500014) --- ### 25. [ChargeStripe](https://www.g2.com/products/chargestripe/reviews) **Average Rating:** 5.0/5.0 **Total Reviews:** 1 **Product Description:** Charge for goods or services using nothing but your phone, tablet, or optional card reader. iOS and Android apps featuring swipe, type, and camera scanner payment options. Also, customer support from a human and a robust feature roadmap assures we’ve got you covered. #### What Are Recent G2 Reviews of ChargeStripe? **"[Credit card processing](https://www.g2.com/survey_responses/chargestripe-review-3466284)"** **Rating:** 5.0/5.0 stars *— Jessica B.* [Read full review](https://www.g2.com/survey_responses/chargestripe-review-3466284) --- #### What Are G2 Users Discussing About ChargeStripe? - [What is ChargeStripe used for?](https://www.g2.com/discussions/what-is-chargestripe-used-for) ## What Is Payment Processing Software? [Payment Software](https://www.g2.com/categories/payment) ## What Software Categories Are Similar to Payment Processing Software? - [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) --- ## How Do You Choose the Right Payment Processing Software? ### 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.