BitPay helps businesses accept cryptocurrency payments and send cryptocurrency payouts.
Free plan Open source AndroidiPhone & iPadWebWindowsMacLinux+2
- Home
- Finance & Accounting
- Payment Processing Software
Best Payment Processing Software 2026
Payment processing software helps businesses accept payments, manage billing and send payment links. This guide helps US buyers compare tools for online, in-person and recurring payments.
The page has no published ranking basis. Compare the listed fields, platform support, pricing terms and payout schedules to match a payment workflow.
02
Helcim
Helcim suits businesses that need to take payments across in-person and online channels, including by invoice or virtual terminal.
AndroidiPhone & iPadWeb+4 Record6.1 Visit
03
Kill Bill
It may suit online businesses and teams that need customizable billing, including startups and growth-stage companies.
WebWindowsMac+3 Record6.1 Visit
04
InstaPayments
AndroidiPhone & iPadWeb+1 Record6.0 Visit
05
Midtrans
Midtrans helps businesses accept payments by card, bank transfer, e-wallet, and other methods.
AndroidiPhone & iPadWeb+1 Record5.7 Visit
6
Mollie
AndroidiPhone & iPadWeb+1 Free plan Record5.7 Visit Mollie gives companies in Europe and the UK tools to handle payments and business finances.
7
Paystack
AndroidiPhone & iPadWeb+1 Free plan Record5.7 Visit Paystack helps businesses in Africa accept online and in-person payments from customers worldwide.
8
Privacy.com
AndroidiPhone & iPadWeb+2 $5 a month Record5.7 Visit Privacy creates virtual payment cards that mask your actual payment information for online transactions.
9
Viva.com
AndroidiPhone & iPadWeb+1 £3.99 a month Record5.7 Visit Viva.com is aimed at businesses handling payments in person, online, remotely, or through marketplaces.
10
Checkout.com
AndroidiPhone & iPadWeb+1 Free plan Record5.6 Visit Checkout.com provides businesses payment services to accept payments and disburse funds.
11
Airwallex Payments
AndroidiPhone & iPadWeb+1 $12 a month Record5.5 Visit Airwallex Payments helps businesses accept shopper payments and manage funds through its financial platform.
12
Checkout Page
iPhone & iPadWebAPI $29 a month, billed yearly Record5.5 Visit Checkout Page lets businesses sell products and services through Stripe-hosted pages, embedded checkouts, and links.
14
Pin Payments
iPhone & iPadWebAPI Free plan Record5.4 Visit Pin Payments supports online, recurring, and split payments for businesses in Australia and New Zealand.
17
PaySimple
AndroidiPhone & iPadWeb+1 $49.95 a month Record5.2 Visit PaySimple combines billing, customer records, and payment options including cards, ACH transfers, and eChecks.
20
Stripe Terminal
AndroidiPhone & iPadWeb+1 $2.70 a month Record5.1 Visit Stripe Terminal connects card readers and Tap to Pay with online checkout, reporting and POS integrations.
22
doxo
AndroidiPhone & iPadWeb $5.99 a month Record5.0 Visit doxo helps people manage bills and due dates and pay them from one account.
Before you choose
Compare plans and trial terms
Check for a free plan, the starting paid price and a free trial before choosing a tool. Pricing models on the list include freemium and paid plans.
Airwallex Payments lists a free plan with paid plans from $12/user/mo. Checkout Page lists a free plan, paid plans from $29/mo and a 7-day trial. Privacy.com lists a free plan with paid plans from $5/mo.
Match payment features to your workflow
Compare payment methods, recurring billing, payment links and in-person payments. These fields show whether a service fits subscriptions, invoices, online checkout or physical sales.
PayPal Invoicing and SumUp Invoices represent invoicing-focused choices, while payment platforms can support broader checkout flows. Check the feature details for the work you need.
Check where the software runs
The list covers web apps, APIs, iOS, Android, browser extensions and self-hosted deployments. Choose a platform that fits your storefront, app or server setup.
API access can matter when payment steps must live inside an existing product. Self-hosting can matter when you need control over deployment.
Review currencies and payout timing
Multi-currency support can help when customers pay in different currencies. Payout schedule details show when processed funds move to your account.
Compare these fields with your sales regions and cash-flow needs before selecting a service.
Check licensing and vendor details
Open-source options appear on the list. If you need to read or change the code, review the licence and deployment requirements.
Vendor details can also clarify who operates a service. For example, Helcim is based in Calgary, SumUp Invoices in London and PayPal Invoicing in San Jose.
Questions
What does payment processing software do?
It supports payment acceptance and related tasks such as recurring billing, payment links, invoicing, in-person payments and payouts.
Which platforms are covered?
The list includes web, API, iOS, Android, browser extension and self-hosted options.
Are free plans available?
Free plans are listed for tools such as Airwallex Payments, BitPay, Mollie, Paystack, Viva.com, Checkout Page, Privacy.com and doxo.
Do tools offer free trials?
Trial terms vary. Checkout Page lists a 7-day trial, while BitPay lists no free trial.
Does the page publish a ranking method?
No. The how-we-ranked section is empty, so compare the listed pricing, payment and platform fields directly.
More in Finance & Accounting
Personal Finance Software 181Tax Software 149Personal Tax Software 123Tax Compliance Software 105Accounts Payable Software 97Scenario Planning Software 92Financial Planning & Analysis Software 90Invoicing software 84Money Transfer Apps 81Portfolio Management Software 81Bookkeeping Software 75Financial Forecasting Software 74Bank Connectivity Software 71Fund Accounting Software 70Payment Gateways 66Internal Controls Software 60Lease Accounting Software 55Subscription Billing Software 49