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Top Rated Payment Processing Software with Online 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

Online payments enable businesses to send invoices, receive payments remotely, and offer customers various payment options. This streamlines transactions, improves cash flow, enhances security, and provides convenience for both businesses and customers. Our reviewers in payment processing software rated this feature as important.

5 Best Payment Processing Software with Online Payments

Product
User rating
Starting price
Melio logo
4.2
(401)
25
per user/per month
Stripe logo
4.6
(3.3K)
Empty state illustration for "No pricing info"

No pricing info

PayPal logo
4.7
(26.2K)
0.29
other
Vagaro logo
4.7
(3.4K)
23.99
flat rate/per month
Square Payments logo
4.7
(2.6K)
Empty state illustration for "No pricing info"

No pricing info

See other top Payment Processing products with online payments

How we picked the 5 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the Payment Processing software category. They also needed to have sufficient reviews about online 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 online 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 5 best products

Melio logo
Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(263)
Key Features
Data Security4.4
Debit/Credit Card Processing4.2

User insights about the online payments feature

Reviewers appreciate Melio's online payments for their simplicity, efficiency, and integration with QuickBooks. They find it easy to pay vendors and receive payments, with options for ACH transfers and shareable payment links. Some users mention slow processing times and issues with customer support.
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“We have a few vendors with large bills that we use online payments for and Melio takes all the hassle about getting payments to them quickly and easily with no delay.”
AP

Amy P.

Accounting Manager

“I love that Melio can process customer payments online for me with a simple shareable link!”
Verified reviewer profile picture

Ginger B.

Court reporter

Starting price
25per user /
per month
Pros and Cons based on 401 verified reviews
Verified reviewer profile picture

Efficient integration workflow

Seamless accounting integration

Intuitive user interface

Unreliable email support

Issues with money transfers

Inconsistent customer service

See pros and cons details
Stripe logo
Reviews Sentiment
 
 
 
1-2(121)
3-4(747)
5(2,435)
Key Features
Data Security4.6
Debit/Credit Card Processing4.6

User insights about the online payments feature

Reviewers appreciate Stripe's online payments for their ease of use, speed, and reliability. They find it convenient for both businesses and customers, with seamless integration into websites and various platforms like Shopify. Users highlight the ability to accept payments from anywhere, secure transactions, and quick access to funds. Some mention occasional issues with failed orders and disputes.
Verified reviewer profile picture

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“We use Stripe to receive online payments through our shopping website from our customers. The experience was always smooth with no complaints from our customers. Moreover there is so much of flexibility to the customer in terms of choosing from different payment options that not having a preferred payment option cannot be the reason for customer not buying. ”
Verified reviewer profile picture

Gaurav J.

Sr. Ecommerce Manager

“The ability for customers to pay online, and fast, was a driving factor in selecting Stripe. Stripe did not pose some of the challenges I faced with other providers, and is much faster at transferring funds to my bank.”
RW

Roger W.

Niche Growth Facilitator

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 3,303 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
PayPal logo
Reviews Sentiment
 
 
 
1-2(523)
3-4(6,298)
5(19,456)
Key Features
Data Security4.6
Debit/Credit Card Processing4.5

User insights about the online payments feature

Reviewers highlight PayPal's online payments for their convenience, security, and widespread acceptance. They appreciate the ease of making transactions with just an email and password, and the protection it offers against fraud. Users find it reliable for both personal and business use, though some mention issues with account holds and customer support.
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“With PayPal software, users can send and receive payments for goods and services effortlessly without having to share private account details online. Users need an email address to make fast and secure online transactions.”
FO

Felix O.

PhD Rsearcher

“Online payments are crucial in PayPal because they offer a fast, secure, and globally recognized way to transfer money, making e-commerce and personal transactions convenient for users and businesses alike.”
Verified reviewer profile picture

mohamed k.

electrical and Instruments Engineer

Starting price
0.29other
Pros and Cons based on 26,277 verified reviews
Verified reviewer profile picture

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
Vagaro logo
Reviews Sentiment
 
 
 
1-2(88)
3-4(688)
5(2,701)
Key Features
Data Security4.7
Debit/Credit Card Processing4.5

User insights about the online payments feature

Reviewers appreciate Vagaro's online payments for their ease of use and convenience for both businesses and clients. They highlight the ability to store payment information, make payments from anywhere, and the security of transactions. Some users mention occasional issues with payment processing and the need for reliable functionality.

See related user reviews

“ Online payment through Vagaro allows clients to easily and quickly pay for their appointments from the comfort of their own home or wherever they may be.By using a secure online payment system, both the client and the business can be assured that their financial information is protected.”
SB

Siyabonga B.

Owner

“I like that clients can pay up front, so I don't have to worry about what form of payment at the end which ultimately helps reduce time, especially if i have other customers waiting. Especially with COVID touchless is huge around here. ”
ML

Makayla L.

sales manager

Starting price
23.99flat rate /
per month
Pros and Cons based on 3,477 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
Square Payments logo
Reviews Sentiment
 
 
 
1-2(55)
3-4(576)
5(2,039)
Key Features
Data Security4.7
Debit/Credit Card Processing4.7

User insights about the online payments feature

Reviewers find Square Payments' online payments easy to set up and use, with quick processing and reliable service. They appreciate the ability to send invoices, accept payments from various platforms, and the convenience it offers for both businesses and customers. Some users mention occasional issues with payment holds and higher processing fees.
Verified reviewer profile picture

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“I love that I can send clients to an online portal or send digital invoices. They can pay from the comfort of their Owen home, and I can decide when to do my billing and etc.”
MD

Margaret D.

Teacher

“I like that in Square Payments, using online payment features are super beneficial. It's easy to create invoices if needed and process payments from a laptop or desktop device with a virtual terminal. ”
Verified reviewer profile picture

Kalina B.

Freelance

Starting price
Empty state illustration for "No pricing info"

No pricing info

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

Quick and simple setup

Streamlined invoicing process

Effective money management

Efficient sales management

Seamless integration

Frequent connection issues

High transaction fees

Unreliable reader connectivity

Card reader issues

Account management problems

See pros and cons details

Other Top Rated Payment Processing Software with Online 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
Acuity Scheduling logo

Online appointment scheduling software and assistant

Acuity Scheduling is an online appointment scheduling solution that allows clients to self-schedule appointments or classes online, complete custom forms, receive confirmation notifications and reminders, and pay or donate with a credit card.

Read more about Acuity Scheduling

Users also considered
QuickBooks Online logo

Accounting and business management software

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

Read more about QuickBooks Online

Users also considered
Vagaro logo

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

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

Read more about Vagaro

Users also considered
FreshBooks logo

Invoice and accounting software tailored to small businesses

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

Read more about FreshBooks

Users also considered
Stripe logo

Online payment processing for internet businesses

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

Read more about Stripe

Users also considered
Square Point of Sale logo
Category Leaders

iPad & Android point of sale (POS) system

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

Read more about Square Point of Sale

Users also considered
Square Payments logo
Category Leaders

Online payment processing for merchants & vendors

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

Read more about Square Payments

Users also considered
Clio logo

Cloud-based legal practice management tool for law firms.

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

Read more about Clio

Users also considered
SumUp logo

POS and payments processing software

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

Read more about SumUp

Users also considered
TherapyNotes, LLC logo

Online mental health EMR and practice management software.

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

Read more about TherapyNotes, LLC

Users also considered
Zoho Invoice logo

Online invoicing tool for freelancers and SMBs.

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

Read more about Zoho Invoice

Users also considered
Marketing 360 logo

Marketing Platform For Small Business

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

Read more about Marketing 360

Users also considered
NetSuite logo

AI-powered cloud-based business management suite

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

Read more about NetSuite

Users also considered
HoneyBook logo

Client management for freelancers & SMBs

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

Get started with a 7 day free trial today.

Read more about HoneyBook

Users also considered
Birdeye logo

AI-based webchat assistant for business conversations

Birdeye is the leading AI-powered reputation and social media management platform for local brands. Over 150,000 businesses use Birdeye to maximize online reputation, engage across social channels, and gain insights to enhance customer experience and grow.

Read more about Birdeye

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

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

Read more about QuickBooks Online Advanced

Users also considered
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

Users also considered
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

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
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

Users also considered
PayPal Commerce Platform logo

Online store checkout solution

PayPal Checkout is an online checkout solution that can be integrated with eCommerce marketplaces and business websites to allow customers to use a range of payment methods on websites, in-app, or on mobile. The tool aims to increase conversions and reduce cart abandonment by streamlining checkout.

Read more about PayPal Commerce Platform

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

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 advanced encryption, multi-factor authentication, and fraud detection systems, ensuring safe financial transactions and protecting sensitive information. 92% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers value the swift and accurate card processing, with easy integration, no setup fees, and support for multiple card types, enhancing customer convenience. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Users commend robust fraud prevention features like real-time monitoring, customizable rules, and buyer protection, which safeguard against unauthorized transactions. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Reviewers enjoy the convenience of mobile payments, allowing transactions from anywhere, enhancing business flexibility, and ensuring secure, quick payments. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users appreciate customizable invoicing, automated reminders, and easy tracking, which simplify billing processes and improve payment accuracy. 86% of reviewers rated this feature as important or highly important.