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Top Rated Payment Processing Software with Electronic Signature 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

Electronic signatures facilitate secure, efficient transactions by allowing remote signing, validating business processes, and providing an added layer of security. They help verify authenticity, streamline contract signing, and enhance customer trust. Our reviewers in payment processing software rated this feature as important.

4 Best Payment Processing Software with Electronic Signature

  • Square Point of Sale
  • PayPal
  • HoneyBook
  • Square Payments - Highest rated for electronic signature

See other top Payment Processing products with electronic signature

How we picked the 4 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 signature, 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 the product with the highest rating for electronic signature based on our proprietary ratings and reviews. 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 4 best products

Square Point of Sale logo
4.6
(3K)

User insights about the electronic signature feature

Users report that Square Point of Sale's electronic signature functionality is user-friendly and efficient. They highlight its importance for security and verification purposes, noting that it provides proof of sale and protects against disputes. Reviewers appreciate the ease of capturing signatures on various devices, including mobile phones and tablets. They find it convenient for processing payments quickly and maintaining records. Some users mention that while not always required, it adds an extra layer of security for larger transactions.
“This is a great feature to have even though it is no longer required by credit card companies. It is nice for us because we are charging larger amounts, so we prefer to have our customers sign that they are ok with the charge. It is an added layer of security and protection for us as a business.”
MM

Megan M.

Physical therapist

“Electronic signatures are to make it easier for customers to sign for their purchase and to easily keep record of them. ”
DT

Danielle T.

Server

Payment Processing key features coverage

Square Point of Sale offers 4 out of the 6 key features for Payment Processing software identified by reviewers:

Data Security4.7
Online Payments4.6
Debit/Credit Card Processing
Mobile Payments4.7
Payment Fraud Prevention
Billing & Invoicing4.7

Pros and cons based on 3,018 verified reviews

73% of users rated Square Point of Sale 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 3,018 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Cons:

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details

Pricing

Free version:Available|Free trial:Available

Prices may vary depending on the number of users and features.

PayPal logo
4.7
(26.2K)

User insights about the electronic signature feature

Reviewers have mixed opinions about PayPal's electronic signature feature. Some users find it convenient and secure for signing invoices and authorizing transactions, noting that it enhances fraud protection. They appreciate the ease of use and the ability to sign from mobile devices. However, many users report not using this feature, either because it is not necessary for their transactions or they are unaware of its existence. Some express concerns about the security of electronic signatures and prefer other methods of authentication.
“I like the feature on PayPal Electronic Signature because you can take signatures from customers to authorize their transaction to make it final. I too use Electronic Signature to finalize a transaction when I shop online at multiple retailers.”
BG

Brianca G.

N/A

“Electronic signatures have enhanced faster completion of transactions with PayPal which can also be done even from mobile devices.”
Verified reviewer profile picture

Becky O.

Freelancer

Payment Processing key features coverage

PayPal offers 6 out of the 6 key features for Payment Processing software identified by reviewers:

Data Security4.6
Online Payments4.7
Debit/Credit Card Processing4.5
Mobile Payments4.6
Payment Fraud Prevention4.5
Billing & Invoicing4.4

Pros and cons based on 26,280 verified reviews

74% of users rated PayPal 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 26,280 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Enhanced user safety

Efficient invoicing capabilities

Convenient online shopping

Robust security measures

Seamless transaction management

Cons:

High transaction fees

Inefficient refunds and disputes

Issues with email transactions

High fees and hidden costs

Costly currency exchange

See pros and cons details

Pricing

Starting price:$0.29 other|Free version:Available|Free trial:Not available

Prices may vary depending on the number of users and features.

HoneyBook logo
4.7
(678)

User insights about the electronic signature feature

Reviewers appreciate HoneyBook's electronic signature feature for its ease of use and integration. They highlight that it simplifies the process of signing contracts and waivers, especially for clients who are not tech-savvy. Users find it convenient to have everything in one platform without needing third-party services. They report that it saves time and enhances the onboarding process by allowing clients to sign documents quickly and securely. The notification feature after a client signs is also valued by users.
“Collecting electronic signatures with other platforms like DocuSign or plain Adobe PDF is still cumbersome and confusing, especially for older clients of mine who aren't as tech-savvy. I'm a Founding Member and have been using HoneyBook since I opened my business, and to this day have never had a client complain about trying to sign a document. ”
CD

Cameron D.

Owner/Operator

“I am able to have clients quickly sign contracts while in the onboarding process; this cuts the time in half to start on projects.”
Verified reviewer profile picture

Alicia P.

Google Workspace Consultant

Payment Processing key features coverage

HoneyBook offers 5 out of the 6 key features for Payment Processing software identified by reviewers:

Data Security4.8
Online Payments4.6
Debit/Credit Card Processing4.5
Mobile Payments4.8
Payment Fraud Prevention
Billing & Invoicing4.7

Pros and cons based on 678 verified reviews

83% of users rated HoneyBook 5 out of 5 stars, while 3% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 678 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Comprehensive CRM capabilities

Effective project tracking

Cons:

Inefficient email management

See pros and cons details

Pricing

Starting price:$36 flat rate/per month|Free version:Not available|Free trial:Available

Prices may vary depending on the number of users and features.

Square Payments logo
4.7
(2.6K)

User insights about the electronic signature feature

Reviewers indicate that Square Payments' electronic signature feature is easy to use and captures signatures efficiently. They report that it enhances security by ensuring the cardholder's identity and preventing chargebacks. Users appreciate the convenience of signing on any smart device, which speeds up the payment process. They find it particularly valuable for legal purposes and credit card verification. Some users mention that it eliminates the need for paper, making transactions more seamless and environmentally friendly.
“Square makes the customer sign their name when making a purchase to make sure that they are the cardholder and they are truly making the purchase. This will prevent any banking issues down the line”
EP

Elijah P.

CEO

“I like that someone can send their signature at any time and any place to complete a transaction. This speeds up the payment process.”
MM

MacKenzie M.

Sales Director

Payment Processing key features coverage

Square Payments offers 6 out of the 6 key features for Payment Processing software identified by reviewers:

Data Security4.7
Online Payments4.6
Debit/Credit Card Processing4.7
Mobile Payments4.6
Payment Fraud Prevention4.6
Billing & Invoicing4.6

Pros and cons based on 2,670 verified reviews

76% of users rated Square Payments 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 2,670 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Quick and simple setup

Streamlined invoicing process

Effective money management

Efficient sales management

Seamless integration

Cons:

Frequent connection issues

High transaction fees

Unreliable reader connectivity

Card reader issues

Account management problems

See pros and cons details

Pricing

Free version:Available|Free trial:Not available

Prices may vary depending on the number of users and features.

Other Top Rated Payment Processing Software with Electronic Signature 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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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WeTravel logo
Category Leaders

The booking & payments platform for group & multi-day travel

WeTravel is the leading all-in-one business management platform for multi-day travel businesses, providing integrated, travel-specific administration, marketing, analytics, and payment tools.

Read more about WeTravel

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Paychex Flex logo

A Simple Approach to HR, Payroll, and Benefits.

Our onboarding software helps manage new hire paperwork, tasks, and documents digitally. We support paperless onboarding workflows that improve consistency and reduce manual administrative work.

Read more about Paychex Flex

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GCPay logo

Payment management software for the construction industry

GCPay is a cloud-based payment management software designed to help businesses in the construction industry manage payment applications, calculations, lien waivers, and remittances on a collaborative platform. Features include remote access, document storage, contact management, and role-based permissions.

Read more about GCPay

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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

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Podium logo

AI-enabled lead management and conversion platform

Podium Payments simplifies the payment experience–for you and your customers. Accept secure payments via a card reader, text-to-pay, or transform your phone into a mobile card reader with mobile tap-to-pay.

Read more about Podium

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ChurchStaq logo

Church software built to grow generosity and connection

ChurchStaq is an all-in-one church management platform with built-in giving and a branded app. It supports people management, attendance, groups, recurring donations, reporting, integrations with financial systems, and secure payment processing with role-based access controls.

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Regpack logo

AI-automated payment and registration cloud software.

Regpack is an online registration and user management solution that assists organizations with registration of applicants and management of online payments.

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BILL Accounts Payable & Receivable logo

BILL, a leader in financial automation software for SMBs

Bill.com's efficient AP and AR software and automation helps you save 50% of your time on business payment management with standardized, automated workflow.

Read more about BILL Accounts Payable & Receivable

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Bookipi logo

Invoicing, easier than ever.

Bookipi is an invoice and estimates maker app for freelancers and business owners. It is easy to get started with Bookipi, as all you need is a working email, Google or Apple account.

Apple App Store: 4.9/5 ★
Google Play Store: 4.8/5 ★

Read more about Bookipi

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vcita logo

Appointment scheduling and reminder solution

vcita is an all-in-one business management app designed with small businesses in mind, helping teams manage clients, schedule, billing and administration. The platform includes a CRM to manage client records, online scheduling to book appointments and manage team calendars, billing and invoicing tools, and a client portal for customers to book, pay, and communicate with the business.

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TUIO logo

Cloud-based school and childcare management system

TUIO simplifies tuition collection with online payments, same-day payouts, and real-time financial visibility. Streamline your billing process with TUIO today.

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Square Appointments logo

Online booking and scheduling management platform

Square Appointments provides online booking software for managing appointments, staff schedules, and services on a centralized platform. It syncs in real time, enabling clients to book 24/7 via a customizable site. Features include resource management, automated reminders, waitlists, and integrated payment processing for various methods. Businesses can reduce no-shows with customizable policies and prepayment options.

Read more about Square Appointments

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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, fraud monitoring, and compliance with industry standards to protect sensitive financial data and build user trust. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Users appreciate the convenience, flexibility, and security of online transactions, along with features like digital invoices, payment links, and multiple payment options. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers value the ability to link cards, quick transaction processing, and integration with various e-commerce platforms, enhancing payment flexibility for customers. 90% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Users find mobile payments convenient for on-the-go transactions, with features like QR code scanning, real-time payments, and secure processing. 89% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Reviewers emphasize the importance of advanced algorithms, real-time monitoring, and customizable rules to detect and prevent fraudulent transactions. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users appreciate customizable invoices, automatic reminders, and the ability to track payments, which streamline the billing process and improve financial management. 86% of reviewers rated this feature as important or highly important.