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Payment Processing Software

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Tipalti logo

Finance automation that cuts 80% of your manual finance work

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Transform your business with Tipalti’s comprehensive finance automation solution. Streamline your accounts payables, accelerate global payouts, simplify procurement processes, and optimize employee expenses, all through one integrated platform.

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Stax logo

Subscription-based credit card payment processing platform

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Stax is a subscription-based payment platform offering unlimited credit card processing at direct cost, giving industries such as retail, healthcare, plus professional and home services with integrated, PCI compliant solutions across EMV / virtual terminal, shopping cart, mobile and more

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AvidXchange logo

The Power of Change

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AvidXchange software solutions and dedicated service teams completely automate your accounts payable and payment processes.

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Stripe logo

Online payment processing for internet businesses

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Stripe is an online payment processing tool for internet businesses. Stripe handles everything, including storing cards, subscriptions, and direct payouts to your bank account. Meticulously designed APIs and functionality help users create the best possible product for their users.

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Paystand logo

Digital Payments for Your Businesses

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Transform your AR with zero fees and full automation using Paystand's Payment-as-a-Service platform.

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Spreedly logo

Best-in-market payment system.

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Payment orchestration is the new standard.

Our PCI-compliant solution lets you connect once and stay ahead of your payments strategy.

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SumUp logo

We believe in the everyday hero

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Whether you’re a street food vendor, a salon owner or a sales assistant, we want to make technology that anyone can use and everyone has access to. Whether you’re a one-person show or a team, we’re there for the smallest of businesses.

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Helcim logo

Billing, Invoicing and Payment Processing with Helcim

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Helcim enables credit card processing for your business, sign up with no commitments, contracts, or monthly fees. At Helcim, our goal is to provide small to medium sized businesses with the opportunity to accept credit card payments at affordable rates with industry-leading technology.

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eBizCharge logo

Web-Based Payment Processing Solution for Merchants

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EBizCharge is a web-based payment gateway that reduces payment processing costs by integrating with various ERP, eCommerce, CRM, and accounting software

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Stax Bill logo

Subscription management & recurring billing software.

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Stax Bill simplifies the complexities of subscription billing by automating manual accounting, financial processes, and workflows. As the leading subscription management and recurring billing platform, Stax Bill provides the agility to reduce churn, increase revenue, and maintain a competitive edge.

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Genius Payment Facilitation logo

Payment processing solution for insurance businesses

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Genius Payment Facilitation is a payment processing solution for businesses in insurance, healthcare, pharmacy, and other sectors that helps manage consumer financing, credit card processing, reconciliation, escheatment, digital wallets, and more.

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SumUp Plus Card Reader logo

Mobile- based smart card reader

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Designed for businesses of all sizes, SumUp Plus Card Reader is a mobile-based card processing solution that helps accept and record payments over phone or via link anytime.

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Qvalia logo

Cloud-based accounting software for automatic invoicing

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Qvalia is a customizable accounting platform that promotes collaborative workflows and provides users with automation tools to manage daily tasks. Key features include invoice processing, receivable ledgers, performance analytics, credit card processing, online payments, and order management.

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PayTrace logo

The B2B payment experts

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PayTrace is a payment gateway that enables businesses to accept payments on the platform, integrate with leading business solutions, or build a custom solution using an application programming interface (API).

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CellPoint Digital logo

Payment processing software

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Cellpoint Digital aims to make payments easier by helping with a fast, easy roll-out of a sophisticated payment eco-system and solution to orchestrate every transaction end-to-end and fluidify the customer payment experience while keeping it simple.

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Zoho Billing logo

End-to-end billing solution built for every business model.

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Zoho Billing is an end-to-end billing solution that helps businesses streamline their billing operations, manage customer lifecycle, and accelerate growth.

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Versapay logo

Unlock accounts receivable efficiency

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Versapay simplifies the invoice-to-cash process by automating invoicing, facilitating B2B payments, and streamlining cash application with AI.

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ACH Universal logo

Payment processing software for SMBs and government agencies

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ACH Universal is an on-premise treasury software that helps SMBs, financial institutions, and government agencies import data from Microsoft SQL Server and QuickBooks to create automated clearing house (ACH) files. Administrators can utilize the profiles feature to store banking information of multiple clients and vendors on a unified interface.

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Airwallex logo

Payment and financial management solution

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Airwallex provides global businesses with an all-in-one account to help businesses grow and operate globally, offering access to domestic and foreign currency accounts, high speed international transfers, global bill pay, online payment links and plugins, multi-currency cards, expense management, software integrations and APIs to programmatically manage finances.

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Zil Money logo

Software for streamlined transaction processing

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Zil is a financial technology company, not a bank or an FDIC member. Zil offers banking services through partnership with FDIC member banks Silicon Valley Bank, Texas National Bank, and East-West Bank.

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PayPal logo

Comprehensive solution to serve your business needs.

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PayPal Commerce Platform is a comprehensive solution designed to serve your business needs and your customers, whether you’re just getting started or already a thriving enterprise or marketplace.

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Venmo logo
Category Leaders

Digital wallet & mobile payment gateway

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Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

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Acuity Scheduling logo

Online appointment scheduling software and 24/7 assistant.

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Squarespace is your 24/7 online appointment scheduling software that allows clients to self-schedule appointments or classes online, complete custom forms, receive confirmation notifications and reminders, and pay or donate with a credit card. With Squarespace, you can focus on your business, not the busywork

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Shopify logo

Everything you need to sell anywhere. Trusted by 160k stores

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Shopify is a commerce platform that allows anyone to easily sell online, at a retail location, and everywhere in between

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Vagaro logo

Beauty, wellness & fitness appointment & business software

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Use Vagaro® management software to get found, booked, & paid.

Start your FREE trial today, and grow your business the easy way!

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Buyers Guide

Payment Processing Software

What is payment processing software?

Payment processing software is a tool that allows businesses to accept digital payments from customers. These can include debit and credit card processing, electronic funds transfers (EFT), or mobile payment methods. The software securely transmits data between the customer and the business’s bank to approve each online payment.

Online payment processing software simplifies business operations by automating invoicing, recurring billing, and security features, including fraud detection and encryption standards compliance, which protect sensitive information during transactions. It enhances your business’s ability to provide seamless digital service, ensuring great financial security.

What are the core features of payment processing software?

  • Data security: Encrypt sensitive payment information to prevent unauthorized access and ensure safe and secure transactions. This feature adheres strictly to Payment Card Industry Data Security Standards (PCI-DSS), providing additional layers of fraud detection and prevention mechanisms, such as tokenization and secured gateways for online payment processing.

  • Payment processing: Facilitate online transactions by transmitting information between a payment gateway (website or phone) and the front-end processor or bank. The tool accepts multiple forms of payment, such as a credit card, debit card, or digital wallet.

  • Reporting/analytics: Access insights into payment activities through data visualization and detailed reports. It tracks trends, identifies sales patterns, measures performance across different channels or regions, and helps make informed business decisions based on real-time transactional information.

What are the benefits of using payment processing software?

  • Reduces payment errors: Payment processing software automates transactions, reducing the chances of manual input errors. It accurately calculates the amount due, applies discounts or additional charges automatically, prevents double entries, and ensures the payment method is recorded correctly. This reduces mistakes and saves time and money otherwise spent on rectification.

  • Enhances security measures: The online payment software uses data encryption and tokenization technologies to safeguard sensitive data during transactions, preventing unauthorized access or fraud. Additionally, it complies with PCI DSS regulations that demand high-security standards to protect cardholder data, which further ensures your customers' information is safe from breaches.

  • Facilitates international payments: With payment processing software, businesses can accept multiple currencies and payment methods prevalent in different countries. It automates the currency conversion process, making transactions seamless for both businesses and customers. The payment solution handles complexities of cross-border transaction rules, taxes, and compliance issues, which can be time-consuming if done manually.

  • Automates recurring billing: The feature benefits businesses with subscription-based models or scheduled payments. It reduces manual effort by automatically charging customers at agreed intervals (daily, weekly, or monthly) and issuing invoices without human intervention. This saves time and minimizes the possibility of errors in invoicing and collection processes.

What are the potential issues with payment processing software?

  • High processing fees: High processing fees are a potential issue with payment processing software. These costs can reduce the profit margins of businesses, especially small ones that operate on tighter budgets. If these fees aren't managed right or negotiated effectively, it could lead to significant financial losses for businesses using such systems.

  • Limited integration: If the software is incompatible with other business systems, such as accounting software or order management systems, it can disrupt seamless operations and cause inefficiencies. This could lead to mistakes in transaction processes and ultimately negatively affect customer satisfaction levels.

  • Delayed transactions: Delayed transactions can disrupt cash flow, potentially affecting the ability to conduct business operations smoothly and timely. Delays might also reduce customer trust as they expect swift, seamless transaction processes when making payments or receiving refunds.

How much does payment processing software cost?

Most payment processing software products are priced “per month” basis, and their entry-level pricing plan ranges from $2 to $79+*. An enterprise product priced higher may include additional features such as revenue management, expense management, dispute management, and a point of sale system.

*The pricing included is for the entry-level/lowest-priced offerings found on vendor websites as of June 24, 2024.

What is payment processing software used for?

Payment processing software helps enhance the customer experience with secure online transactions and multiple payment options. However, based on the data you feed into the system and the available software features, it can have multiple use cases.

  • Payment management: The software supports multiple payment channels and methods, providing flexibility to the business and the customer. It enables easy transactions, quick deposits, and secure financial control for businesses of all sizes. The software can also handle recurring payments and subscription-based collections.

  • Invoice management: The payment software simplifies invoice customization, generation, approval, and tracking. It also automates invoice processing and payment reconciliation, reducing errors and saving time. The generated invoices can be shared with clients digitally, along with email reminders for due payments.  

  • Currency conversion: This feature enables businesses to receive and send money internationally in various currencies. It tracks currency exchange rates and converts them into the business’s preferred currency for transactions. The multicurrency account helps reduce the impact of forex exposure.

Which software tools integrate with payment processing software?

A payment processor tool integrates with various solutions to consolidate all online and offline transactions. We looked across thousands of reviews from the software users to identify the products users frequently mentioned they integrated with their tools:

  • WHMCS billing and invoicing software and a payment processing solution integration automate the flow of information, including invoice details, amount, and customer information. This helps with accurate and faster bookkeeping. The integration enables direct bill sharing with customers and integrated payment links.

  • WordPress is a content management tool that integrates with a payment processing tool to allow customizing the payments page added to the business website for online payments. The customization includes content, images, font, colors, and other branding elements for quick brand identification.

  • Shopify eCommerce software integrates with payment processing software, allowing customers to make secure online payments against the products or services offered on the business’s online store. The payment and customer information is automatically stored in the system for accounting purposes.

  • WooCommerce inventory management software integrates with a payment processing system to automatically update the stock levels after every transaction. The integration tracks product availability, ensuring real-time inventory accuracy and stockout alerts. 

  • Xero is a compliance tool that integrates with a payment processor system to help identify and flag suspicious transactions that might violate the regulations or indicate potential fraud. The integration enables checking and blocking such transactions in real time. It also verifies custom identities and transaction sources against the Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

*We identified these integrations mentioned most often in verified reviews of payment processing software published on GetApp within the past two years (as of June 24, 2024).

Key considerations when purchasing payment processing software 

  • Evaluate the transaction processing speed. Transaction processing speed is crucial in payment processing software as it directly impacts the customer experience. Faster transactions lead to increased efficiency, improved sales conversions, and higher customer satisfaction. Customers may abandon their purchase if a transaction takes too long, leading to potential revenue loss.

  • Check compatibility with various payment methods. Multiple payment methods allow businesses to accept payments from various platforms. This reduces the chances of losing sales due to a lack of preferred payment options and enhances customer experience. Hence, ensuring that your chosen solution accommodates diverse options can help retain more potential buyers.

  • Analyze security measures. Security is paramount in payment solutions, as they handle sensitive financial data such as credit card numbers and bank accounts. A secure system helps prevent unauthorized access, data breaches, fraud, or theft of funds. Therefore, analyzing security measures ensures transactions are safe from potential cyber threats.


Products evaluated for the pricing calculation were taken from GetApp’s payment processing software directory. The pricing ranges exclude freemium versions of the products. The features highlighted were identified based on their relevance and the percentage of products in GetApp's directory that offer them. 


This payment processing software buyers guide was authored by GetApp's content team. We develop our guides using the author's expertise, insights from 2M+ unique user reviews, and our proprietary data science algorithms to identify trends in user sentiment, preferences, and priorities. Some text was generated with assistance from artificial intelligence tools.