getapp-logo

App comparison

Add up to 4 apps below to see how they compare. You can also use the "Compare" buttons while browsing.

Software categoriesBlog & researchAbout us

GetApp offers objective, independent research and verified user reviews. We may earn a referral fee when you visit a vendor through our links. 

Table of Contents

usersusersusers

Talk with us for a free 15-min consultation

Expert advisors like Chase, who have helped 1,000+ companies, can find the right software for your needs.

Top Rated Payment Processing Software with In-Person Payments 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

In-person payments enable real-time transactions, enhance convenience for customers, support contactless payment methods, and allow businesses to accept payments on the go. This functionality is crucial for face-to-face interactions and immediate sales. Our reviewers in payment processing software rated this feature as important.

3 Best Payment Processing Software with In-Person Payments

  • PayPal
  • Square Payments - Highest rated for in-person payments
  • Venmo

See other top Payment Processing products with in-person payments

How we picked the 3 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 in-person 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 the product with the highest rating for in-person payments 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 3 best products

PayPal logo
4.7
(26.2K)

User insights about the in-person payments feature

Reviewers appreciate the security and ease of PayPal's in-person payments. They find the process fast and reliable, often using QR codes and NFC technology for transactions. Users value the flexibility of using PayPal for both online and in-person payments, and the ability to link to various payment methods. Some mention that PayPal is more commonly used for online transactions, and in-person payment options are not as widely adopted in physical stores.
“Having PayPal to process payments from anywhere, even right in front of the customer, keeps payment safe in case anything happens with the local POS system, making cash registers nearly obsolete even for boxed retail stores. ”
Verified reviewer profile picture

Brian G.

Videographer/photographer/editor/notary/blogger

“I like that I am able to take payments from customers locally with In-Person Payments. It is a convenient feature for customers and myself who live in close proximity and able to pick up products upon appointment.”
BG

Brianca G.

N/A

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 26,283 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 26,283 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.

Square Payments logo
4.7
(2.6K)

User insights about the in-person payments feature

Reviewers indicate that Square Payments makes in-person payments simple and efficient. They appreciate the versatility of the card reader, which supports tap, chip, and swipe transactions. Users find it convenient for various environments, including brick-and-mortar stores, field sales, and events. They highlight the ease of use, quick processing, and the ability to handle contactless payments. However, some mention that the hardware can be expensive for small businesses, and occasional connectivity issues may arise.
“I love the in-person payment feature. As a service provider, being able to discuss the cost of my sessions with my clients and be able to offer to let them pay right then and there with me ensures that I get paid quickly and efficiently.”
RS

Rachel S.

Equine Therapist

“Allows for contactless payments which is very important during this time of sanitary necessity, allows for store to process more transactions and get customers in and out of the store faster ”
MY

Mikaela Y.

Floor Supervisor

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.

Venmo logo
4.7
(9.2K)

User insights about the in-person payments feature

Users report that Venmo's in-person payments are quick and convenient, especially with the QR code feature. They appreciate the ability to make payments without cash, which is particularly useful for small transactions and tips. Reviewers find it easy to scan codes and complete transactions instantly. However, some note that not all retailers accept Venmo, and there can be occasional technical issues with the QR code functionality.
“Venmo is such a casual, low-stakes process for small in-person purchases. It helps customers feel like they are supporting a small business, too; instead of swiping at a cash register behind a tall counter, you scan a QR code that takes you to a profile of the business owner that shows their face and makes them a real person (obviously matching the one standing in front of them) instead of a representative of some megacorporation.”
RM

Rebekah M.

Marketing Consultant

“Venmo makes it very quick to scan a new QR code feature that allows in-person payments to become even easier than it was previously. Whether splitting a tab, refunding or reimbursing clients or employees, sales, or more. Venmo is a fantastic way to handle in person payments. ”
Verified reviewer profile picture

David D.

Educator

Payment Processing key features coverage

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

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

Pros and cons based on 9,270 verified reviews

80% of users rated Venmo 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 9,270 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Convenient bill splitting

No-cost accessibility

Efficient money transfers

Easy QR code payments

Quick and easy setup

Cons:

Unnecessary social features

Complicated privacy settings

Issues with sending & receiving

Public transaction visibility

Difficult user search

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 In-Person Payments 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
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
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 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
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
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
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
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
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
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
Spendesk logo

Smart, trackable spending at work. From Approvals to Zen.

Empower finance teams with visibility across the entire spending process and wow employees with a streamlined experience for spending at work.

Read more about Spendesk

Users also considered
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

Users also considered
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.

Read more about ChurchStaq

Users also considered
PaySimple logo

Payments today. Partners for Tomorrow.

PaySimple is the leading payments management solution for service-based businesses, powering the cashflow of over 20,000 companies nationwide.

Read more about PaySimple

Users also considered
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.

Read more about vcita

Users also considered
8am LawPay logo

Online payment solution for the legal industry

8am LawPay is an online payment processing and management solution used by various types of law firms, including bankruptcy law firms, family law firms, criminal defense law firms, immigration law firms, enterprise legal departments, and CLE firms.

Read more about 8am LawPay

Users also considered
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.

Read more about TUIO

Users also considered
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

Users also considered
SpotOn logo

Restaurant POS for payment processing

SpotOn Restaurant is a cloud-based point of sale (POS) solution designed to help small to medium businesses in the hospitality industry streamline online payments, tableside orders, and fraud protection. The labor management module lets users handle employee hours, gratuities, shifts, and more.

Read more about SpotOn

Users also considered
Jackrabbit Swim logo

Online swim school management software

Jackrabbit Swim is a swim school management solution with online registration, billing, POS, time clock, email/text & more

Read more about Jackrabbit Swim

Users also considered
PayKickstart logo

Hassle-free subscription billing and affiliate management.

PayKickstart is an industry-leading billing and affiliate management platform for subscription-based businesses.

Read more about PayKickstart

Users also considered
authorize.net logo
Category Leaders

Payment processing across multiple channels

Credit card processing for small business merchants

Read more about authorize.net

Users also considered
Glue Up logo

Community and event management solution

Glue Up is an all-in-one engagement platform combining event management, membership management, community management, email marketing, CRM, finance tools, project management and mobile apps. Users can manage contacts and members from a single platform. Organizations can also connect social media accounts and reach out to a larger audience using channels, such as Facebook, LinkedIn, Twitter or other social media.

Read more about Glue Up

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 emphasize robust encryption, multi-factor authentication, and real-time alerts to protect sensitive financial and personal data from unauthorized access and fraud. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Users value the ease and convenience of sending and receiving payments online, 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 highlight the ability to link multiple cards, quick fund processing, and integration with various platforms, enhancing transaction efficiency and flexibility. 90% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Users appreciate the convenience of making and accepting payments on the go, with features like QR code scanning, secure transactions, and instant notifications. 89% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Reviewers commend the sophisticated fraud detection systems, real-time monitoring, and customizable security rules to prevent unauthorized transactions and reduce financial loss. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users like the customizable invoices, easy tracking of payments, and automated reminders, which streamline the billing process and improve financial management. 86% of reviewers rated this feature as important or highly important.