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Top Rated Payment Processing Software with Data Security in 2026

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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: February 2026

Data security protects sensitive financial information from unauthorized access and fraud. It ensures transactions are secure, builds trust with customers, and maintains compliance with industry regulations. Our reviewers in payment processing software rated this feature as highly important.

8 Best Payment Processing Software with Data Security

Product
User rating
Starting price
Stripe logo
4.6
(3.2K)
Empty state illustration for "No pricing info"

No pricing info

visit website
Vagaro logo
4.7
(3.4K)
23.99
flat rate/per month
visit website
Payoneer logo
4.2
(757)
Empty state illustration for "No pricing info"

No pricing info

PayPal logo
4.7
(26.1K)
0.29
other
Venmo logo
4.7
(9.2K)
Empty state illustration for "No pricing info"

No pricing info

Square Payments logo
4.7
(2.6K)
Empty state illustration for "No pricing info"

No pricing info

Square Point of Sale logo
4.6
(3K)
Free
Nomod logo
4.8
(330)
1
usage based

See other top Payment Processing products with data security

How we picked the 8 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 data security, 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 data security, 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 8 best products

Stripe logo

Stripe

Reviews Sentiment
 
 
 
1-2(120)
3-4(740)
5(2,416)
Key Features
Online Payments4.7
Debit/Credit Card Processing4.6

User insights about the data security feature

Reviewers highlight Stripe's robust data security, emphasizing features like encryption, two-factor authentication, and compliance with industry standards. They feel confident that their transactions and customer information are secure. Users appreciate Stripe's proactive approach to preventing data breaches and maintaining a high level of trust in the platform.
Verified reviewer profile picture

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“Data security is vital in Stripe to protect sensitive financial data and prevent different type of fraud, ensuring regulatory compliance and maintaining trust with customers and businesses.”
Verified reviewer profile picture

Mayank J.

Aspiring Enginner and Entrepreneur

“Stripe is as secure as it gets out there when it gets to payment processing, the whole transaction is encrypted! Your accounts are secured too with 2-factor authentication which is mandatory for all accounts.”
PE

Pius E.

Founder

Starting price
Empty state illustration for "No pricing info"

No pricing info

visit website
Pros and Cons based on 3,276 verified reviews
Verified reviewer profile picture

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
Vagaro logo

Vagaro

Reviews Sentiment
 
 
 
1-2(88)
3-4(686)
5(2,691)
Key Features
Online Payments4.7
Debit/Credit Card Processing4.5

User insights about the data security feature

Users report that Vagaro provides reliable data security, ensuring client information is safe. They appreciate the platform's compliance with HIPAA regulations, which is crucial for protecting sensitive data. Reviewers feel confident in the security measures and have not experienced any data breaches, contributing to their trust in the software.

See related user reviews

“I feel safe knowing that Vagaro is protecting my client's secure data.”
SH

Stephanie H.

Massage Therapist

“I appreciate knowing that everyone's information is safe.”
EB

Elizabeth B.

Owner/trainer

Starting price
23.99flat rate /
per month
visit website
Pros and Cons based on 3,465 verified reviews

Effective client reminders

Comprehensive video tutorials

Supports small business growth

Efficient salon management

Convenient online booking

Issues with card processing

Challenges with picture upload

Complicated gift certificate management

Inefficient email management

Slow issue resolution

See pros and cons details
Payoneer logo
Reviews Sentiment
 
 
 
1-2(88)
3-4(224)
5(445)
Key Features
Online Payments3.6
Debit/Credit Card Processing

User insights about the data security feature

Users report that Payoneer provides reliable data security with features like two-factor authentication and regular password updates. They feel confident that their financial information is protected from unauthorized access. Reviewers appreciate the platform's use of advanced encryption and anti-hacking techniques, ensuring a secure environment for online transactions.
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“The thing I like most about Payoneer's data security is the fact that they use two-factor authentication. This means that, in addition to my username and password, I need to enter a code that is sent to my phone in order to log in. This helps to keep my account secure even if my username and password are compromised.”
KC

Khole C.

Supervisor

“According to what I've read, every transaction you make with Payoneer is protected by sophisticated firewalls and anti-hacking techniques and based on my experience, I have had no problems with security breaches or anything else while using Payoneer.”
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Charlette V.

Freelancer

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 757 verified reviews
Verified reviewer profile picture

Robust security measures

Intuitive user interface

Efficient transaction processing

Convenient debit card

Reliable money transfers

Slow email support

Cumbersome verification process

High withdrawal limits and fees

Issues with fund management

Unresponsive support team

See pros and cons details
PayPal logo
Reviews Sentiment
 
 
 
1-2(519)
3-4(6,259)
5(19,347)
Key Features
Online Payments4.7
Debit/Credit Card Processing4.5

User insights about the data security feature

Reviewers appreciate PayPal's strong data security, noting features like encryption, two-factor authentication, and fraud detection. They feel confident that their financial information is protected and value the platform's vigilance in monitoring for suspicious activity. Users trust PayPal to keep their data secure and have not experienced significant breaches.

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“PayPay data security uses SSL encription to ensure security of data transmission. THey also offer PayPal security key as additionla layer of security. In addition, they have fraud monitoring and prevention system.”
JA

Jackson A.

Management Consultant

“It helps to build trust and confidence among users. As they know there information is being handled securely Pay Pal implements various security measures such as encryption and fraud detection systems, to safeguard user data and prevent unauthorized transactions.”
TL

Tyson L.

San Miali Electrician

Starting price
0.29other
Pros and Cons based on 26,125 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
Venmo logo
Reviews Sentiment
 
 
 
1-2(147)
3-4(1,725)
5(7,387)
Key Features
Online Payments4.7
Debit/Credit Card Processing4.6

User insights about the data security feature

Users find Venmo's data security reliable, with features like encryption and two-factor authentication. They feel confident that their financial information is protected and appreciate the platform's efforts to prevent unauthorized access. Reviewers value the secure environment Venmo provides for sending and receiving payments, contributing to their trust in the service.
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“Venmo does a fantastic job of ensuring through encryption as well as verification that your money transfers are safe and that you are sending your money to the correct people. If you are exchanging venmo information with someone new, for example, they will ask you to insert the last 4 digits of their cell phone number to verify that you are interacting with the correct individual. ”
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David D.

Educator

“Venmo's website and app use encryption to protect user data. This means that any information sent between the user's device and Venmo's servers is scrambled so that it can't be intercepted by third parties. Venmo also uses two-factor authentication to verify users' identities and prevent unauthorized access to their accounts.”
fa

franz a.

food

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 9,259 verified reviews
Verified reviewer profile picture

Convenient bill splitting

No-cost accessibility

Efficient money transfers

Easy QR code payments

Quick and easy setup

Unnecessary social features

Complicated privacy settings

Issues with sending & receiving

Public transaction visibility

Difficult user search

See pros and cons details
Square Payments logo
Reviews Sentiment
 
 
 
1-2(55)
3-4(576)
5(2,022)
Key Features
Online Payments4.6
Debit/Credit Card Processing4.7

User insights about the data security feature

Users find Square Payments highly secure, with robust data security measures like Level 1 PCI compliance, encryption, and fraud monitoring. They feel confident that their transactions and customer information are protected. Reviewers appreciate the platform's ability to maintain secure connections and prevent data breaches, ensuring a safe payment processing experience.
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“Something that I really like about Square Payments is how important data security is implemented. All individuals information is submitted on encrypted servers and I like how they require two-factor authentication to access administrators systems.”
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Kalina B.

Freelance

“What I like about data security in Square Payments is its robust approach to protecting sensitive information. Square uses encryption to secure transactions.”
NA

Neal A.

Managing Partner

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 2,653 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
Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(735)
5(2,213)
Key Features
Online Payments4.6
Debit/Credit Card Processing

User insights about the data security feature

Reviewers indicate that Square Point of Sale offers excellent data security with advanced encryption and fraud protection. They feel confident that their transactions and customer information are secure. Users appreciate the platform's compliance with PCI standards and the additional security measures like two-factor authentication, which enhance trust and reliability.

See related user reviews

“The moment my customer makes a purchase their card and sale is encrypted for protection. In reviewing other POS apps I went with Square believing payment were well monitored for fraudulent activity. You need that peace of mind when selling products in constantly changing venues or with online purchases.”
FV

Felicia V.

Owner

“Square uses advanced encryption protocols to protect sensitive payment information during transactions, ensuring that customer data is secure and minimizing the risk of breaches.”
DS

Douglas S.

Master Business And Auto Enhancer California Electric Sign Contractor

Starting price
Free
Pros and Cons based on 3,010 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
Nomod logo
Reviews Sentiment
 
 
 
1-2(3)
3-4(47)
5(280)
Key Features
Online Payments4.8
Debit/Credit Card Processing4.7

User insights about the data security feature

Reviewers appreciate Nomod's robust data security. They highlight capabilities like advanced encryption, fraud protection, and two-factor authentication. Users feel confident that their personal and customer information is protected from breaches. They also value the platform's compliance with industry standards and its user-friendly interface, which ensures secure and seamless transactions.

See related user reviews

“The payment gateway provides excellent data security with advanced encryption and fraud protection. I feel confident knowing my transactions are safe and secure.”
AD

Ahmad D.

CO FOUNDER

“Nomod is the first payment processor I've used so far that hasn't had any data leaks or customer complaints of their data being leaked”
JB

Judd B.

Owner

Starting price
1usage based
Pros and Cons based on 330 verified reviews

User-friendly and intuitive interface

High costs and transparency issues

See pros and cons details

Other Top Rated Payment Processing Software with Data Security in 2026

CellPoint Digital logo

CellPoint Digital

(0)

Comprehensive payment processing software

visit website
CellPoint Digital offers a Payment Orchestration Platform that helps businesses streamline their payment processes across multiple channels. The cloud-native platform features intelligent routing, advanced reconciliation, and dynamic reporting capabilities designed for industries including airlines, travel, hospitality, and e-commerce. It supports various payment methods including multi-currency and cross-border transactions while integrating with existing travel systems.

Read more about CellPoint Digital

Users also considered
Zil Money logo

Zil Money

Software for streamlined transaction processing

visit website
Zil Money a financial technology company, not a bank. Zil Money offers banking services through a partnership with FDIC member bank Texas National Bank.

Read more about Zil Money

Users also considered
Dash logo

Dash

Automated A/R for teams who want to keep revenue in-house

visit website
Dash is a cloud-based SaaS platform that helps small businesses manage billing and recover overdue balances with automation. Our tools simplify collections, reduce manual follow-up, and let customers self-serve, helping you keep more revenue in-house.

Read more about Dash

Users also considered
PayTrace logo

PayTrace

B2B payment, billing and invoicing platform

visit website
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).

Read more about PayTrace

Users also considered
Melio logo

Melio

Accounts payable platform for businesses of all sizes

visit website
Melio is a B2B payments tool that helps businesses of all sizes manage their finances. Pay vendors via bank transfer or card, even if cards aren't accepted. Sync with QuickBooks and Xero, automate your payment schedules, and establish efficient approval workflows.

Read more about Melio

Users also considered
Epos Now logo

Epos Now

An easy-to-use, adaptable point-of-sale and payment system.

visit website
Epos Now Payments is a payment processing service built to work seamlessly with your Epos Now POS system, with simple reports and no big, end-of-the-month processing bill for you to worry about. It takes all major debit and credit cards as well as contactless, Google and Apple Pay transactions.

Read more about Epos Now

Users also considered
QuickBooks Enterprise logo

QuickBooks Enterprise

Enterprise accounting, FSM and inventory management solution

visit website
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
Paystand logo

Paystand

B2B payment automation platform for finance teams

visit website
Maximize efficiency in payments processing with Paystand’s zero-fee platform. Accelerate time to cash with fast, flexible payment methods including eCheck, ACH, and credit cards. Our solution integrates seamlessly with major ERP systems, ensuring smooth financial transactions and optimal cash flow.

Read more about Paystand

Users also considered
EBizCharge logo

EBizCharge

Web-Based payment processing solution for merchants

visit website
EBizCharge Payment Management Software lowers processing rates and helps you manage credit card payments securely and remotely from anywhere.

Read more about EBizCharge

Users also considered
Chargebee logo

Chargebee

Subscription management and recurring billing software

visit website
Start accepting payments within minutes from anywhere in the world with out-of-the-box integrations with 23+ payment gateways and 100+ currencies. Accept payments via credit cards, Direct Debit, and digital wallets like Worldpay, Amazon Pay, and Apple Pay.

Read more about Chargebee

Users also considered
ACH Universal logo

ACH Universal

Payment processing software for SMBs and government agencies

visit website
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.

Read more about ACH Universal

Users also considered
SoftCoPay logo

SoftCoPay

(0)

Software for managing vendor payments

visit website
SoftCoPay is a payment management software designed to help businesses manage ACH, card, check, and other payments via a unified portal. It automates the entire purchase invoice process and various manual operations to save time and ensure that invoices are sent on time with accurate information.

Read more about SoftCoPay

Users also considered
Stripe logo

Stripe

Online payment processing for internet businesses

visit website
Stripe is a comprehensive 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, supporting over one hundred payment methods across multiple currencies. 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
Helcim logo

Helcim

Billing, Invoicing and Payment Processing with Helcim

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Helcim offers a complete and affordable in-person payment solution for any business. Easily accept payments in-store, on-the-go, or online. Helcim’s better payments means no contracts or monthly fees, better pricing, and great customer service.

Read more about Helcim

Users also considered
SumUp logo

SumUp

POS and payments processing software

visit website
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
SumUp Plus Card Reader logo

SumUp Plus Card Reader

Mobile- based smart card reader

visit website
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.

Read more about SumUp Plus Card Reader

Users also considered
Zoho Billing logo

Zoho Billing

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

visit website
Simplify the payment process with Zoho Billing's multiple payment choices, including cards, bank transfers, and PayPal.

Read more about Zoho Billing

Users also considered
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
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
Shopify logo

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

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

Read more about Shopify

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
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

Key features for Payment Processing software

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

  • Online Payments: Users appreciate the convenience of online payments, which allow for easy and secure transactions. Features like digital invoices, multiple payment options, and quick payment processing enhance user experience and efficiency. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers value the ability to process debit and credit card payments quickly and securely. Features such as linking multiple cards, instant payment confirmation, and no setup fees are frequently mentioned. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Users emphasize the importance of robust fraud prevention measures. They appreciate features like real-time transaction monitoring, customizable security rules, and advanced algorithms that detect and prevent fraudulent activities. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Reviewers highlight the convenience of mobile payments for on-the-go transactions. They appreciate the ease of sending and receiving money, scanning QR codes, and the added security measures for mobile transactions. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users find the billing and invoicing features efficient for creating and sending professional invoices. They value customizable templates, automatic payment reminders, and the ability to track payments and outstanding invoices. 86% of reviewers rated this feature as important or highly important.