Best Payment Processing Software in 2026
Updated
In short: Airwallex Payments is ranked #1 of 68 as of 4 October 2026, ahead of Mollie and PayPal Invoicing. The best-ranked option with a free plan is Mollie. The lowest first paid tier on this page is Stripe Terminal at $2.70/mo.
Businesses comparing payment processing software can look at the payment types and billing arrangements each option supports. Check in-person payments, payment methods and payment links, as well as recurring billing for repeat charges. Multi-currency support and payout schedules offer further points to weigh, alongside free plans and paid-from pricing. Mollie leads the ranking, followed by Checkout.com and Airwallex Payments; Adyen and Helcim also appear near the beginning. Compare these features with the ways you need to accept payments and receive funds, then consider which pricing information is relevant to your operation.
68 payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
| # | App | Score | From | Free plan | Paid from | Payment methods | Recurring billing | Payment links | In-person payments | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Airwallex Payments | 7.9 | $12/mo | Yes | — | Cards, digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methods | Yes | Yes | Yes | View |
| 2 | Mollie | 7.9 | €9/mo | No | — | Credit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of sale | — | — | — | View |
| 3 | PayPal Invoicing | 7.9 | Free | No | — | cards, PayPal, Venmo, ACH Direct Debit, Apple Pay, Google Pay, local payment methods | — | — | — | View |
| 4 | Checkout.com | 7.8 | Free | No | — | major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers | — | — | — | View |
| 5 |  Helcim | 7.8 | Free | No | — | Visa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cards | Yes | Yes | Yes | View |
| 6 |  MobilePay | 7.8 | Free | Yes | — | — | — | — | — | View |
| 7 |  SumUp Invoices | 7.7 | £7/mo | Yes | 49 /mo | — | — | — | — | View |
| 8 |  Pin Payments | 7.4 | — | Yes | — | Visa, Mastercard, American Express, eftpos, JCB, Discover, Diners Club, Apple Pay, Google Pay | Yes | Yes | Yes | View |
| 9 | Clover POS | 7.1 | — | No | — | credit and debit cards, Apple Pay, Google Pay, Samsung Pay, gift cards, PayPal, Venmo, Klarna, cash, check, BNPL, Pay by Bank | Yes | Yes | Yes | View |
| 10 |  Nexi Merchant Services | 7.1 | — | No | — | Visa, Mastercard, Visa Electron, V-Pay, Maestro, JCB, UPI, PagoBANCOMAT, American Express, Google Pay, Apple Pay and other mobile and alternative payment methods | Yes | Yes | Yes | View |
| 11 | Rapyd | 7.1 | $99/mo | No | — | Cards, bank transfers, digital wallets, cash, real-time payment networks, stablecoins | Yes | Yes | Yes | View |
| 12 | Stripe Terminal | 7.1 | $2.70/mo | No | — | credit cards, debit cards, contactless cards, digital wallets | — | — | — | View |
| 13 | Cashfree Payments | 7.0 | — | — | — | UPI, Visa, Mastercard, RuPay, Maestro, bank transfer, PhonePe, ICICI Bank, Airtel Payments, JioMoney, Amazon Pay, PayPal, American Express, Diners Club, EMI, pay later, wallets | Yes | Yes | Yes | View |
| 14 | Lightspeed Payments | 7.0 | — | No | 89 /mo | Credit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debit | Yes | Yes | Yes | View |
| 15 |  Payment Depot | 7.0 | $19/mo | No | — | credit and debit cards, ACH bank transfers | Yes | Yes | Yes | View |
| 16 | SlimPay | 7.0 | — | No | — | — | — | — | — | View |
| 17 | Adyen | 6.9 | — | No | — | ACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat Pay | — | — | — | View |
| 18 | CIT Vericash | 6.9 | — | — | — | Bank accounts, cards, QR, NFC, POS, e-commerce, P2P and international remittances | Yes | — | Yes | View |
| 19 | Kakao Pay | 6.9 | — | Yes | — | — | — | — | — | View |
| 20 |  Pine Labs Online Payments | 6.9 | — | — | — | Cards, UPI, net banking, wallets, EMI, BNPL, pay by points, international cards, brand wallets and e-challans | Yes | Yes | No | View |
| 21 | Plastiq | 6.9 | — | Yes | — | Credit cards, debit cards, bank transfers (ACH/EFT); eligible financing | Yes | Yes | Yes | View |
| 22 |  Privacy.com | 6.9 | — | Yes | 5 /mo | Visa; Mastercard; Apple Pay; Google Pay; Samsung Pay; US checking account; US debit card | Yes | — | Yes | View |
| 23 | Razorpay Payment Gateway | 6.9 | — | No | — | Cards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPI | — | — | — | View |
| 24 | Paytm Payment Gateway | 6.8 | — | No | — | Cards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchers | — | — | — | View |
| 25 | 2C2P | 6.7 | — | — | — | Cards, digital wallets, bank transfers, QR payments, over-the-counter payments, instalments, buy now pay later | — | — | — | View |
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which payment processing software is ranked first on Samsung Mobile US Press?
Airwallex Payments is ranked #1 of 68 with a score of 7.9. Mollie is second and PayPal Invoicing third.
How many of these have a free plan?
7 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Stripe Terminal has the lowest first paid tier we found: $2.70/mo.
How is this list ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.