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Top Rated Payment Processing Software with Credit Card Processing in 2026

Verified reviewer profile picture
Verified reviewer profile picture

All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: April 2026

Credit card processing enables swift and secure transactions, supports various payment methods, and integrates with multiple platforms. It enhances convenience for customers, increases sales, and simplifies payment management for businesses. Our reviewers in payment processing software rated this feature as highly important.

5 Best Payment Processing Software with Credit Card Processing

Product
User rating
Starting price
Stripe logo
4.6
(3.3K)
Empty state illustration for "No pricing info"

No pricing info

Square Point of Sale logo
4.6
(3K)
Free
PayPal logo
4.7
(26.2K)
0.29
other
Square Payments logo
4.7
(2.6K)
Empty state illustration for "No pricing info"

No pricing info

QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month

See other top Payment Processing products with credit card processing

How we picked the 5 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the Payment Processing software category. They also needed to have sufficient reviews about credit card processing, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for credit card processing, and Highly rated for free version. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 5 best products

Stripe logo
Reviews Sentiment
 
 
 
1-2(121)
3-4(748)
5(2,435)
Key Features
Data Security4.6
Online Payments4.7

User insights about the credit card processing feature

Reviewers indicate Stripe's credit card processing is fast, reliable, and secure. They find it easy to use, with low fees and broad acceptance of major credit cards, including international ones. Users appreciate the seamless integration with platforms like WordPress and the convenience of processing payments from mobile devices. They report no issues with transactions and value the detailed transaction information provided.

See related user reviews

“Credit Card Processing of Stripe is world's best processing system I've ever used so far. This takes seconds to process the payments for my clients and they have never complaint about any failed transaction. ”
AA

Abhishek A.

CEO

“Credit card processing never gave us an issue. The most common payment methods and cards are all supported, so our customers were all satisfied”
NF

Niccolò F.

Cofounder, CTO

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 3,304 verified reviews

Effortless integration process

Highly customizable user interface

Developer-friendly API

Seamless website integration

Robust security features

Inefficient email communication

Inadequate fraud detection

Complicated refunds management

Challenging account management

Limited support services

See pros and cons details
Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(740)
5(2,216)
Key Features
Data Security4.7
Online Payments4.6

User insights about the credit card processing feature

Reviewers feel Square Point of Sale's credit card processing is fast, reliable, and secure. They appreciate the integration with the point of sale system, acceptance of all major credit cards, and the ease of use for both in-store and mobile transactions. Users mention occasional issues with online orders and higher fees for manual entries but value the overall efficiency and flexibility.

See related user reviews

“Instantly process credit card payments! I have a little card reader which plugs right into the headphone jack of my cell phone and I'm able to take payments at every craft show and pop-up shop event.”
NS

Nathalie S.

Owner

“Credit card processing is crucial for our business as most of our customers use this method of payment. Square offers easy, affordable, and secure processing. ”
DR

Dorita R.

Partner

Starting price
Free
Pros and Cons based on 3,018 verified reviews

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details
PayPal logo
Reviews Sentiment
 
 
 
1-2(523)
3-4(6,300)
5(19,457)
Key Features
Data Security4.6
Online Payments4.7

User insights about the credit card processing feature

Reviewers indicate PayPal's credit card processing is quick, secure, and user-friendly. They appreciate the wide acceptance of major credit cards, ease of linking cards, and the convenience for both online and offline transactions. Users highlight the efficient processing times and the security features. Some mention occasional difficulties with card recognition and higher fees compared to other options.

See related user reviews

“Very efficient. It takes less than a minute to link your credit card to PayPal. You can use the credit card to receive money or buy goods and services.”
MP

Malekiado P.

DCEO

“Some of my customers don't have a PayPal account, but they're still able to pay with a credit card.”
EG

Emily G.

Piano and Voice Instructor

Starting price
0.29other
Pros and Cons based on 26,280 verified reviews

Enhanced user safety

Efficient invoicing capabilities

Convenient online shopping

Robust security measures

Seamless transaction management

High transaction fees

Inefficient refunds and disputes

Issues with email transactions

High fees and hidden costs

Costly currency exchange

See pros and cons details
Square Payments logo
Reviews Sentiment
 
 
 
1-2(55)
3-4(576)
5(2,039)
Key Features
Data Security4.7
Online Payments4.6

User insights about the credit card processing feature

Users report Square Payments' credit card processing is quick, easy, and secure. They appreciate the ability to accept all major credit cards, including manual entry and tap/insert options. Reviewers highlight the lack of monthly fees, ease of use at events, and the convenience of mobile payments. Some mention occasional issues with card recognition and higher fees for non-profits.
Verified reviewer profile picture

See related user reviews

“The ability to process credit card payments stands out. Nowadays everyone carries at least one card and square makes it easier to receive payment for anything we sell. We have received payments for courses, goods, and services in the academic organization. ”
FM

Felipe M.

Research Assiciate

“I needed a way to process credit card payments for my business. Square does this effectively and without a monthly fee.”
Verified reviewer profile picture

Benjamin B.

Home Inspector

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 2,670 verified reviews
Verified reviewer profile picture

Quick and simple setup

Streamlined invoicing process

Effective money management

Efficient sales management

Seamless integration

Frequent connection issues

High transaction fees

Unreliable reader connectivity

Card reader issues

Account management problems

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(456)
3-4(3,151)
5(4,778)
Key Features
Data Security
Online Payments4.2

User insights about the credit card processing feature

Users report QuickBooks Online's credit card processing is easy, efficient, and integrates seamlessly with invoicing. They appreciate the convenience for customers and the reliability of the tool. However, reviewers mention higher fees compared to alternatives like Square and Stripe, and some experience occasional processing delays. They value the overall ease of managing payments within the platform.
Verified reviewer profile picture

See related user reviews

“I appreciate the seamless integration and user-friendly interface of the credit card processing feature in QuickBooks Online. Accepting payments from customers is quick and easy. A reliable and efficient tool for managing payments!”
Verified reviewer profile picture

Terra O.

Director of Administrative Services and Finances

“QuickBooks processes all credit cards which is very convenient for my customers.”
TS

Tiffanie S.

Floor Installer

Starting price
38flat rate /
per month
Pros and Cons based on 8,385 verified reviews
Verified reviewer profile picture

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Other Top Rated Payment Processing Software with Credit Card Processing in 2026

PayPal logo

Payment processing, fraud protection and risk management

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Read more about PayPal

Users also considered
QuickBooks Enterprise logo

Enterprise accounting, FSM and inventory management solution

QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Read more about QuickBooks Enterprise

Users also considered
Venmo logo

Digital wallet & mobile payment gateway

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

Read more about Venmo

Users also considered
Acuity Scheduling logo

Online appointment scheduling software and assistant

Acuity Scheduling is an online appointment scheduling solution 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.

Read more about Acuity Scheduling

Users also considered
QuickBooks Online logo

Accounting and business management software

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Read more about QuickBooks Online

Users also considered
Vagaro logo

All-in-one software for beauty, wellness, & fitness pros

Vagaro® has everything you need run your business: bookings, payments, free marketplace, & more! Free contactless card reader!

Read more about Vagaro

Users also considered
FreshBooks logo

Invoice and accounting software tailored to small businesses

FreshBooks is accounting software that helps small business perform accounting tasks, conduct invoicing, manage expenses, and more.

Read more about FreshBooks

Users also considered
Stripe logo

Online payment processing for internet businesses

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Read more about Stripe

Users also considered
Square Point of Sale logo
Category Leaders

iPad & Android point of sale (POS) system

Square Point of Sale is the customizable point-of-sale system built for businesses of all shapes and sizes.

Read more about Square Point of Sale

Users also considered
Square Payments logo
Category Leaders

Online payment processing for merchants & vendors

Accept every way your customers want to pay with Square Payments.

Read more about Square Payments

Users also considered
Clio logo

Cloud-based legal practice management tool for law firms.

Clio is a comprehensive legal practice management software that helps law firms streamline their operations. The platform offers case management, client intake, document automation, and legal accounting features, all integrated into one system. With built-in AI capabilities through Clio Duo, legal professionals can efficiently summarize documents and access matter details while maintaining client communication through a dedicated portal.

Read more about Clio

Users also considered
SumUp logo

POS and payments processing software

SumUp offers card readers and POS systems designed for small businesses across various industries. The platform provides comprehensive payment solutions including portable card readers, self-service kiosks, and invoicing capabilities. SumUp also features financial management tools such as business checking accounts and customer engagement options through gift cards and reward programs, all accessible through a single mobile application.

Read more about SumUp

Users also considered
TherapyNotes, LLC logo

Online mental health EMR and practice management software.

Web-based practice management & electronic health records (EHR) software for behavioral health with thousands of active users, and unlimited customer support.

Read more about TherapyNotes, LLC

Users also considered
Wave logo

Accounting, invoicing, and payroll management platform

Wave is an integrated solution designed for small businesses. With our automatic bank connections, information flows into Wave, without manual entry. Users can collaborate with accountants or bookkeepers in real-time.

Read more about Wave

Users also considered
Zoho Invoice logo

Online invoicing tool for freelancers and SMBs.

Zoho Invoice is an online invoicing software for freelancers and small to medium enterprises (SMEs). It helps you craft professional invoices, send payment reminders, and get paid faster online.

Read more about Zoho Invoice

Users also considered
Marketing 360 logo

Marketing Platform For Small Business

Accept payments in minutes
Get approved to accept payments, connect your bank account and begin accepting and managing payments any way you’d like in under five minutes. It doesn’t get any easier!

Read more about Marketing 360

Users also considered
NetSuite logo

AI-powered cloud-based business management suite

NetSuite is an AI-powered cloud-based business management suite. It helps organizations streamline their operations and gain real-time insights into their performance. The suite caters to a range of industries such as manufacturing, retail, and professional services.

Read more about NetSuite

Users also considered
HoneyBook logo

Client management for freelancers & SMBs

Everything you need to run your business: proposals, contracts, invoicing, payments, and more.

Get started with a 7 day free trial today.

Read more about HoneyBook

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

Streamline payment processing with secure invoicing, online payment options, and automated reconciliation tools.

Read more about QuickBooks Online Advanced

Users also considered
Jackrabbit Dance logo

Online dance studio management software

Online dance studio software used by over 12,000 studios & schools will transform the way you run your dance studio. Learn more now!

Read more about Jackrabbit Dance

Users also considered
Stampli logo

Stress-free finance operations

Stampli Direct Pay offers domestic payments, international payments, card payments and more — all seamlessly integrated into our AP system. You have the freedom to choose your preferred payment methods.

Read more about Stampli

Users also considered
Nomod logo
Category Leaders

Take card payments anytime, anywhere.

Accept card payments via payment links or in-person using only your phone. Forget the many hassles of cash or transfers!

Read more about Nomod

Users also considered
FieldPulse logo

Cloud-based field service management software

FieldPulse is a cloud-based field service management software designed for service contractors that helps manage business operations and workflows, including customer management, scheduling, project management, estimates and invoices, timesheets, customer portals, and more.

Read more about FieldPulse

Users also considered
ePayPolicy logo
Category Leaders

Faster, Easier, Integrated Insurance Payment Services

ePayPolicy is a payment processing solution designed to help businesses in the insurance sector collect credit card and ACH payments from policyholders. The centralized dashboard enables administrators to track transactions, access electronic receipts, and control user permissions.

Read more about ePayPolicy

Users also considered
Jackrabbit Gymnastics logo

Online cheer gym management software

Online gymnastics class software used by over 12,000 studios & schools will transform the way you run your business. Learn more now!

Read more about Jackrabbit Gymnastics

Users also considered

Key features for Payment Processing software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Data Security: Reviewers highlight strong encryption, multi-factor authentication, and compliance with industry standards as key aspects ensuring the protection of sensitive customer information during transactions. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Users appreciate the convenience of sending payment links, digital invoices, and the ability to accept various payment methods, enhancing flexibility and efficiency for both businesses and customers. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers value the quick, accurate processing of debit and credit card transactions, the ability to store card details, and the support for recurring payments, which improve business operations. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Users mention advanced fraud detection systems, real-time alerts, and customizable rules that help prevent unauthorized transactions and protect businesses from financial losses. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Reviewers appreciate the convenience and speed of processing transactions on mobile devices, enabling payments to be made or received from anywhere, which is particularly useful for remote and on-the-go business operations. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users highlight the ease of creating custom invoices, setting up automatic reminders, and tracking payment statuses, which streamline the billing process and enhance financial management. 86% of reviewers rated this feature as important or highly important.