Our Top Picks

Amazon Pay Logo
Amazon Pay
Amazon Pay is a web-based payment processing software that offers a variety of useful features, including mobile payments, billing/invoicing, and the option to set up recurring bill payments. Along with built-in integrations and access to detailed reports, you can also get support live or via email.

Check it out with a free trial, or use the paid version, which has varying transaction fees. The web and mobile transaction amount is $10 with a domestic processing fee of 2.9% ($0.29) and an authorization fee of $0.30.

Summary

Amazon Pay Logo
Amazon Pay
  • Starting Price
    • Transaction fees
    • Web & mobile
    • Transaction amount: $10
    • Domestic processing fee: 2.9% ($0.29)
    • Authorization fee: $0.30: $0.30
    • Total Transaction fee: $0.59
    • Contact for more pricing options
  • Free Trial/Demo
    Free Trial
  • Deployment
    Web-Based
  • Support Options
    Email, Live Support
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Bill.com Logo
Bill.com
Bill.com is a payment processing software that offers valuable features, including ACH payments, mobile payment processing, billing/invoicing, PCI compliance, and recurring bill payments. It also has pre-built integrations and can automatically sync with your accounting software. Support is available during business hours online, and you can try it free for 30 days.

Pricing plans include Essentials for $39 per month per user, Team for $49 per month per user, Corporate at $69 per month per user, and Enterprise, which requires a custom quote.

Summary

Bill.com Logo
Bill.com
  • Starting Price
    • Essentials: $39/month/user
    • Team: $49/month/user
    • Corporate: $69/month/user
    • Enterprise: Custom Quote
  • Free Trial/Demo
    30-Day Free Trial
  • Deployment
    Web-Based, Cloud, SaaS
    iPhone / iPad
    Android
  • Support Options
    Business Hours
    Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Biller Genie Logo
Biller Genie
Biller Genie is a payment processing software that offers features like ACH processing, which can convert paper checks to electronic transactions to reduce the risk of fraud. It allows for credit card processing and supports Apple Pay. Utilize integrations like QuickBooks and AccountingSuite. You'll also get access to detailed performance reports for just $49.95 per month.

Summary

Biller Genie Logo
Biller Genie
  • Starting Price
    • $49.95/month
  • Free Trial/Demo
    Does Not Offer a Free Trial
  • Deployment
    Web-Based, Cloud, SaaS
  • Support Options
    Business Hours
    Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Braintree Logo
Braintree
Braintree's payment processing software offers a variety of payment processing methods, including credit cards, PayPal, Venmo, and more. You can safeguard customers' personal information with enhanced data security and use tools to detect and prevent fraudulent transactions.

This web-based software offers detailed reports and integrations, with standard pricing costing 2.9% plus $0.30 per transaction.

Summary

Braintree Logo
Braintree
  • Starting Price
    • Standard pricing: 2.9% + $.30 per transaction
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based
  • Support Options
    Business Hours, Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
CyberSource Payment Management Platform Logo
CyberSource Payment Management Platform
CyberSource Payment Management Platform offers many payment options so customers can choose their preferred method. Process secure online payments, accept payments from your desktop computer and conveniently send invoices. This web-based software comes with email support plus reports and pre-built integrations.

Try it out as a free demo, or request a custom quote.

Summary

CyberSource Payment Management Platform Logo
CyberSource Payment Management Platform
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based
  • Support Options
    Email
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
EBizCharge Logo
EBizCharge
EBizCharge's built-in integrations allow you to accept payments within your business software or via a virtual terminal, mobile app, email, or payment portal. Detailed reports allow you to access your payment practices accordingly. EBizCharge can be used on a Mac or Windows computer or as a web-based program.

It's compatible with mobile for iPhone/iPad and Android. For pricing, request a custom quote.

Summary

EBizCharge Logo
EBizCharge
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Mac, Windows, Web-Based, iPhone / iPad, Android
  • Support Options
    Email, Phone, Live Support
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Nexway Monetize Logo
Nexway Monetize
Monetize is a payment processing software that allows you to process payments in over 140 countries. It provides default access to services in multiple languages and accepts payments in several currencies. It manages refund requests and chargebacks while permitting you to set up recurring billing for suitable payments.

Nexway doesn't include pre-built integrations, but it does provide you with reports that let you track your data easily. For pricing information, request a custom quote.

Summary

Nexway Monetize Logo
Nexway Monetize
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based
  • Support Options
    Business Hours, Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Payoneer Logo
Payoneer
Payoneer is a payment processing software that offers many helpful features, including ACH processing and the ability to set up recurring bill payments. Although mobile payments aren't supported, Payoneer offers pre-built integrations to make payment processing simpler, and it generates detailed reports.

Support is available from a 24/7 live rep during business hours or online. You can pay your suppliers, contractors, and business partners from your Payoneer balance for free if the recipient has a Payoneer account. If not, charges go as high as 20%. There's also an account fee of $29.95.

Summary

Payoneer Logo
Payoneer
  • Starting Price
    • Get Paid
    • From Another Payoneer Customer: Free
    • Via Receiving Accounts: 0-1%
    • Directly From Your Customers: 3% Credit Card (all currencies)
    • 1% ACH Bank Debit (USD)
    • Contact for more pricing options
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based
  • Support Options
    24/7 (Live Rep), Business Hours, Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    No
  • Recurring Billing
    Yes
PayPal Here Logo
PayPal Here
PayPal Here is a useful payment processing software that allows you to get paid in person without contact. It accepts credit, debit, and touch-free payments, plus you can send invoices and record or track cash-free transactions. It offers pre-built integrations with multiple platforms, generates reports to help you track data, and requires no contract or long-term commitment.

Pricing is transparent at 2.7% per U.S. swiped or tapped transaction and 2.2% per QR code transaction. Rates are subject to change.

Summary

PayPal Here Logo
PayPal Here
  • Starting Price
    • 2.7%/US card swipe and tap transactions
    • 2.2%/QR code transaction until March 31, 2021
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Email
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
PaySimple Logo
PaySimple
PaySimple is a payment processing software you can try free for 14 days. It allows you to streamline billing by setting up recurring bill payments, sending invoices, or accessing a customer portal. Accept payments online, in-person, via mobile, via credit card, or with ACH processing. PaySimple has a QuickBooks integration for your convenience.

Pricing for credit card processing can be as low as 2.49% per transaction plus monthly fees. ACH/eCheck processing costs as little as $0.60 plus 0.20%.

Summary

PaySimple Logo
PaySimple
  • Starting Price
    • Credit card processing as low as: 2.49%/transaction + monthly fees
    • ACH/eCheck processing: $0.60 + 0.20%
  • Free Trial/Demo
    14-Day Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Email, Phone
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
PDCflow is a payment processing software that lets you accept credit card payments online via a customer-friendly payment portal. This software is web-based but is also optimized for use on a mobile device. Customers can make fast, easy payments, including ACH payments. PDCflow is HIPAA compliant, customizable, and flexible. Request a custom quote to find out more.

Summary

  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based
  • Support Options
    Business Hours, Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    No
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Podium is a payment processing software that allows you to collect payments via text message. It offers customer support via email and phone to make using the platform easier.

Podium is web-based and is also compatible with iPhone/iPad and Android mobile devices. Enjoy built-in integrations and detailed reports to manage your business more conveniently. Podium is PCI compliant and requires a custom quote.

Summary

  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Email, Phone
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
QuickBooks GoPayment Logo
QuickBooks GoPayment
QuickBooks GoPayment is an ideal payment processing software for small businesses that need room to grow. It starts with a user-friendly dashboard that houses all your tools, including linked banking and credit card accounts. You’ll also be able to make a memorable impression on clients by sending customized invoices. QuickBooks GoPayment makes it easy to track your expenses, store receipts digitally, and accept payments on the go.

Set up recurring payments to simplify monthly billing. Accept credit, debit, and ACH payments with access to built-in integrations and detailed data reporting. Pay-as-you-go pricing results in no upfront costs; when billed monthly, this software costs $20 per month.

Summary

QuickBooks GoPayment Logo
QuickBooks GoPayment
  • Starting Price
    • Pay as you go: $0/month Pay monthly: $20/month ACH bank transfers Pay as you go: $3 Pay monthly: $3 Card – Swiped Pay as you go: 2.4% + 30¢ Pay monthly: 1.6% + 30¢
    • Contact for more pricing options
  • Free Trial/Demo
    30-Day Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Business Hours
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Square Payments Logo
Square Payments
Square Payments processing software has many useful features critical to payment processing. Data is secured through fraud prevention and verification features. You can accept mobile payments and ACH payments and set up recurring bill payments. Support is available via telephone only. The software is web-based and is also optimized for mobile use on iPhone and Android.

Try it out with a 90-day free trial, or opt for a paid version. Pricing is 2.6% plus $0.10 for every tapped mobile payment, dipped chip card, or swiped magstripe card.

Summary

Square Payments Logo
Square Payments
  • Starting Price
    • 2.6% + 10¢/every
    • tapped (mobile payments),
    • dipped (chip cards), and
    • swiped (magstripe cards) payment
  • Free Trial/Demo
    90-Day Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Phone
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Stax is a payment processing software that allows you to manage your deposits, assess monthly processing statements, and access a high-level summary of sales trends via the dashboard. The heatmap feature helps you see when your customers are making purchases, and graphed data allows you to compare monthly sales trends.

Try it out with a free demo. Businesses processing up to $500,000 annually pay $99 per month plus $0.08 per transaction. For businesses processing over $500,000 annually, you'll pay $199 per month plus $0.06 per transaction. Businesses processing over $5 million annually require a custom quote.

Summary

  • Starting Price
    • For Businesses Processing Up to $500,000 Annually: $99/month + 8¢ per transaction & direct cost
    • For Businesses Processing Over $500,000 Annually: $199/month + 6¢ per transaction & direct cost
    • Contact for more pricing options
  • Free Trial/Demo
    Free Demo
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Email, Phone, Live Support
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Stripe's payment processing software offers many features and integrations to make your business transactions more efficient. Integrations include flexible invoicing, mobile payment via apps on iOS or Android devices, a Stripe Terminal for in-person payments, and third-party integrations with SquareSpace and WooCommerce, among others. Stripe is PCI compliant and also offers reports to assess your business performance through its transaction history. Paid integrated services cost 2.9% plus $0.30 per successful card charge, or you can request a custom quote.

Summary

  • Starting Price
    • Integrated: 2.9% + 30¢/successful Card Charge
    • Customized: Custom Quote
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Web-Based
  • Support Options
    Email, Live Support
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Tipalti is a payment processing software with features like purchase order matching and payment reconciliation, and it offers a self-billing module. It's an invoice-based, performance-based software that accepts ACH payments and mobile payments and allows for recurring bill payments. Tipalti seamlessly integrates with enterprise resource planning (ERP) and accounting packages. Some of the pre-built third-party integrations include Oracle NetSuite, Sage Intact, Microsoft Dynamics GP, and QuickBooks Online + Desktop. Pricing for Tipalti Express is $299 per month, while Tipalti Pro costs $447 per month.

Summary

  • Starting Price
    • Tipalti Express: $299/month
    • Tipalti Pro: $447/month
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Phone
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Venmo For Business Logo
Venmo for Business
Venmo for Business is a popular payment integration software that operates exclusively through mobile devices, including iPhone and Android. It offers an easy way to process payments on the go. With Venmo for Business, you can accept Venmo payments and process transactions in-store, in the app, and online. It also allows you to get discovered via your Venmo business profile, which could increase your sales.

No free trial is available. There's a 5% fee with a minimum $5 transaction for nonpayroll and nongovernment deposits. No fee is charged if your check can't be processed. It's free to transfer money from your Venmo account to your bank account using the standard option.

Summary

Venmo For Business Logo
Venmo for Business
  • Starting Price
    • There's a 5.00% fee (with a minimum fee of $5.00) when you choose to deposit non-payroll and non-government checks (with pre-printed signature) in minutes using the Venmo app. No fee if your check can't be added.
    • Contact for more pricing options
  • Free Trial/Demo
    Does Not Offer a Free Trial
  • Deployment
    iPhone / iPad
    Android
  • Support Options
    Business Hours
    Online
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
WePay is payment processing software from Chase that helps you adopt digital payments and take full advantage of the many benefits. By earning a transaction fee on each payment you facilitate, you can increase your revenue and use WePay's marketing features to attract new customers.

Enjoy instant onboarding and the convenience of same-day deposits. WePay fees are 2.9% plus $0.25 per transaction.

Summary

  • Starting Price
    • 2.9% + 25¢/transaction
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Web-Based, iPhone / iPad, Android
  • Support Options
    Email, Phone
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes
Worldpay Logo
Worldpay
Worldpay processing software lets you accept payments securely and uses leading fraud detection tools to reduce transactional risks. You can improve the convenience of the customer checkout experience and make use of loyalty programs. Worldpay is a web-based software that offers live support as needed. Users can access detailed reports and use pre-built integrations. Try it out with a free demo, or request a custom quote for accurate pricing.

Summary

Worldpay Logo
Worldpay
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo & Free Trial
  • Deployment
    Web-Based
  • Support Options
    Live Support
  • ACH Payment Processing
    Yes
  • Billing/Invoicing
    Yes
  • Mobile Payments
    Yes
  • Recurring Billing
    Yes

How We Chose the Best Payment Processing Software

The best payment processing software should offer a variety of useful features to enhance the user experience and make the software more accessible to customers. Integrations with other platforms are also incredibly valuable, along with access to detailed reports and data.

While plenty of payment processing software companies claim to provide these qualities, we've narrowed down our selection to include those with the most to offer.

Features

The best payment processing software should offer helpful features like mobile payments, billing/invoicing capabilities, and the option to schedule recurring bill payments.

Integrations

The best software options for payment processing have pre-built integrations for e-commerce platforms, mobile apps, and other systems frequently used for processing payments.

Reports

Access to detailed reports with performance data can help users assess and improve their payment processing practices.