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Top Rated Payment Processing Software with Electronic Payments 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

Electronic payments enable quick, secure transactions, improve operational efficiency, and allow businesses to accept various payment methods. They streamline processes, reduce manual tasks, and enhance customer convenience by facilitating both online and in-person payments. Our reviewers in payment processing software rated this feature as important.

10 Best Payment Processing Software with Electronic Payments

Product
User rating
Starting price
Epos Now logo
3.8
(705)
349
flat rate
visit website
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
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
Shopify logo
4.5
(6.6K)
29
flat rate/per month
Nomod logo
4.8
(330)
1
usage based
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month

See other top Payment Processing products with electronic payments

How we picked the 10 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 electronic payments, 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 electronic payments, 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 10 best products

Epos Now logo

Epos Now

Reviews Sentiment
 
 
 
1-2(188)
3-4(98)
5(419)
Key Features
Data Security3.8
Online Payments3.9

User insights about the electronic payments feature

Reviewers indicate Epos Now's electronic payments are easy to use and integrate with card terminals, speeding up transactions. They appreciate the straightforward setup and clear payment processing. However, some users report issues with system setup, card reader functionality, and customer support.
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“Integration with card terminal speeds up transactions”
Verified reviewer profile picture

Tim C.

Owner

“The card reader would sometimes not work”
IH

Iacob H.

Chef,Director

Starting price
349flat rate
visit website
Pros and Cons based on 705 verified reviews
Verified reviewer profile picture

Effective implementation support

Significant refund issues

High cancellation charges

Problematic invoice management

Inadequate call support

Hidden costs and fees

See pros and cons details
Stripe logo

Stripe

Reviews Sentiment
 
 
 
1-2(120)
3-4(740)
5(2,416)
Key Features
Data Security4.6
Online Payments4.7

User insights about the electronic payments feature

Reviewers indicate Stripe's electronic payments are reliable, secure, and easy to integrate. They appreciate the fast processing, multiple payment options, and the ability to handle large volumes of transactions. Users also value the developer-friendly features and the support for recurring payments.
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“Stripe has Electronic Payment system like ACH because of which my clients can now send money directly through their bank account if they do not wish to use their cards.”
AA

Abhishek A.

CEO

“I love that Stripes e-Payments are instantaneous, and how developer-friendly it is to add payments to your app, and immediately support many options.”
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Dylan C.

Software Developer

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
Data Security4.7
Online Payments4.7

User insights about the electronic payments feature

Reviewers appreciate Vagaro's electronic payments for their ease of use, efficiency, and security. They highlight the fast processing, contactless payment options, and the ability to store customer payment information. However, some users mention long wait times for deposits and higher fees for manually processed transactions.

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“ Electronic payment eliminates the risk of human error when manually entering payment information, and reduces the risk of incorrect transactions.Transactions are processed almost instantly, reducing wait time for customers and improving the overall speed of transactions.”
SB

Siyabonga B.

Owner

“Allows electronic payments to be processed easily and store the information”
VM

Virginia M.

Bookkeeper

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
PayPal logo
Reviews Sentiment
 
 
 
1-2(519)
3-4(6,259)
5(19,347)
Key Features
Data Security4.6
Online Payments4.7

User insights about the electronic payments feature

Reviewers appreciate PayPal's electronic payments for their speed, security, and global accessibility. They find it easy to use for both personal and business transactions, with integration options for various payment methods. However, some users mention issues with fund holds and high fees for certain transactions.

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“Pay Pal offers a convenient and efficient way to send and receive money online, with electronic payments users can make transactions from comfort of their own devices.”
TL

Tyson L.

San Miali Electrician

“Electronic payments are pivotal in PayPal due to their speed, convenience, and security. They allow users to instantly send and receive funds globally, eliminating the need for physical cash or traditional paper-based methods”
AN

Anele N.

Employee

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
Data Security4.6
Online Payments4.7

User insights about the electronic payments feature

Reviewers highlight Venmo's electronic payments as fast, easy, and convenient for both personal and business transactions. They appreciate the user-friendly interface, instant transfers, and the ability to use QR codes for payments. However, some users report issues with account security and occasional payment holds.

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“I like the electronic payment feature because it makes my job a lot easier as well as my other employees jobs a lot easier when processing payments to others clients”
HM

Heather M.

Account Manager

“Electronic payments are a breeze with Venmo; all you need is the acct & routing numbers to send or receive funds.”
JD

Jasmine D.

Small business owner

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 9,259 verified reviews

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
Data Security4.7
Online Payments4.6

User insights about the electronic payments feature

Reviewers indicate Square Payments' electronic payments are easy to set up and use, offering various options like credit cards, PayPal, and mobile apps. They find it integrates well with other systems and is reliable for both merchants and clients. Users appreciate the fast processing, real-time updates, and the ability to handle transactions online and in person.
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“Being able to use electronic payments in Square Payments makes it so much easier on myself. I am able to take payments in person and online to help accommodate my customers. I can save payment information for loyal and reoccurring customers”
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Kalina B.

Freelance

“This makes it easy for clients to make their payments online through a secure payment portal, without the hassle of trying to come into the office or call the office.”
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Arthur C.

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
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
Data Security4.7
Online Payments4.6

User insights about the electronic payments feature

Users report Square Point of Sale's electronic payments are straightforward and secure, accepting multiple payment methods including credit cards, Apple Pay, and Samsung Pay. They appreciate the ease of use, fast processing, and the ability to handle transactions remotely. However, some mention occasional issues with payment processing and holds on funds.

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“Our business is primarily online, and occasionally in-person at vendor fairs. The majority of our sales are electronic. We are able to send invoices and payment links via e-mail or text message, as well as accept debit/credit card payments in person. ”
AS

Ashley S.

Co-Owner

“Square makes taking credit cards extremely easy. We have the wall mount which has both the slot to insert card or tap to pay. Both are utilized regularly by our customers. This is the main purpose in us signing up with Square. We wanted a way for customers to use credit cards without us needing to man our storefront. This kiosk is a wonderful option. ”
DG

Danielle G.

Farm Store Manager

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
Shopify logo
Reviews Sentiment
 
 
 
1-2(136)
3-4(2,241)
5(4,252)
Key Features
Data Security4.5
Online Payments

User insights about the electronic payments feature

Users report Shopify's electronic payments are easy to set up and use, offering a wide range of payment options including PayPal, Apple Pay, and Stripe. They appreciate the seamless integration with various payment gateways and the fast, secure transaction processing. However, some mention high transaction fees and occasional issues with third-party payment providers.
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“Integration is really simple as Shopify apps are available for almost everything, which brings down the use of codes to zero. We integrated Stripe by simply downloading there app on Shopify. Now whenever an order is received, the payment gateway connected with the website directly communicates with stripe for smoother experience.”
Verified reviewer profile picture

Gaurav J.

Sr. Ecommerce Marketing Manager

“I find them incredibly convenient and efficient. With Shopify, accepting electronic payments is a breeze. The platform integrates seamlessly with various payment gateways, allowing me to offer my customers a wide range of payment options. ”
Verified reviewer profile picture

Lewis K.

Manager

Starting price
29flat rate /
per month
Pros and Cons based on 6,629 verified reviews
Verified reviewer profile picture
Verified reviewer profile picture

Comprehensive ecommerce features

Efficient online selling

Easy online store creation

Supports small business growth

User-friendly setup process

High transaction and subscription fees

High costs for small businesses

Slow site performance

Inconsistent issue resolution

Need for coding knowledge

See pros and cons details
Nomod logo
Reviews Sentiment
 
 
 
1-2(3)
3-4(47)
5(280)
Key Features
Data Security4.7
Online Payments4.8

User insights about the electronic payments feature

Users find Nomod's electronic payments easy to use, fast, and secure. They appreciate the smooth transaction process and the ability to handle payments remotely. Reviewers note that it is beneficial for both consumers and businesses, enhancing credibility and boosting business operations.

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“Love the quick, reliable payment method and that it gives a credibility to our small company. ”
AH

Anna H.

Owner

“simply and fast way to process and transfer funds”
Cm

Christopher m.

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
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(454)
3-4(3,126)
5(4,748)
Key Features
Data Security
Online Payments4.2

User insights about the electronic payments feature

Users find QuickBooks Online's electronic payments convenient and efficient, with fast processing and improved security. They appreciate the ability to receive payments directly from invoices and the various payment options available. However, some mention issues with fund holds and integration with certain banks.
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“We are able to receive direct electronic payments from our clients to our invoices. This allows us to quickly collect money on time rather than wait for checks to be cashed in the bank.”
KC

Katie C.

Admin

“I appreciate how easy and convenient it is to process electronic payments through QuickBooks Online. It saves me time and eliminates the hassle of manual payment handling. Highly recommend this feature for efficient payment processing!”
Verified reviewer profile picture

Terra O.

Director of Administrative Services and Finances

Starting price
38flat rate /
per month
Pros and Cons based on 8,328 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 Electronic Payments in 2026

Stax logo

Stax

All-In-One Payment Processing Platform

visit website
Stax delivers seamless payment processing and scalable embedded payment solutions to SMBs, ISVs, and SaaS businesses.

Read more about Stax

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
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
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
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

visit website
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 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
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
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
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
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
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
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
Google Pay logo

Payment processing application

Google Pay is a mobile payment platform that allows users to make online payments, in-app purchases, and send money to others. It is available on Android devices, iPhones, and other mobile devices such as Chromebooks and tablets.

Read more about Google Pay

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 robust encryption, multi-factor authentication, and real-time alerts to protect sensitive data and prevent fraud. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Users appreciate the convenience and flexibility of digital transactions, including instant invoicing and various payment methods like bank transfers and credit cards. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers value easy integration with multiple payment methods, quick processing times, and the ability to link cards for smooth transactions. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Users mention advanced fraud detection systems, real-time monitoring, and custom rules to protect against unauthorized transactions and financial losses. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Reviewers find value in the convenience of processing transactions on-the-go, with features like QR code scanning and secure mobile transfers. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users appreciate the ability to create customized invoices, track payments in real-time, and automate reminders for efficient billing management. 86% of reviewers rated this feature as important or highly important.