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Top Rated Payment Processing Software with Payment Processing 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

Payment processing software enables businesses to accept, track, and manage payments efficiently. It supports multiple payment methods, ensures quick transactions, provides secure and automated payment handling, and enhances financial record-keeping. Our reviewers in payment processing software rated this feature as highly important.

9 Best Payment Processing Software with Payment Processing

Product
User rating
Starting price
Melio logo
4.2
(400)
25
per user/per month
visit website
Stripe logo
4.6
(3.2K)
Empty state illustration for "No pricing info"

No pricing info

visit website
SumUp logo
4.5
(1.4K)
99
flat rate/per month
visit website
Online Check Writer logo
4.5
(255)
30
flat rate/per month
visit website
Vagaro logo
4.7
(3.4K)
23.99
flat rate/per month
visit website
Lavu POS logo
4.2
(256)
Empty state illustration for "No pricing info"

No pricing info

PayPal logo
4.7
(26.1K)
0.29
other
Square Payments logo
4.7
(2.6K)
Empty state illustration for "No pricing info"

No pricing info

Clover logo
3.8
(564)
Empty state illustration for "No pricing info"

No pricing info

See other top Payment Processing products with payment processing

How we picked the 9 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 payment processing, 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 payment processing, 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 9 best products

Melio logo

Melio

Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(262)
Key Features
Data Security4.4
Online Payments4.3

User insights about the payment processing feature

Reviewers appreciate Melio's easy-to-use and convenient payment processing. They highlight the integration with QuickBooks Online and the ability to set up automatic payments. Users mention occasional issues with payment delays and failed transactions but value the platform's cost-effectiveness and various payment options.
Verified reviewer profile picture

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“Payment Processing using melio is awesome. You can set up automatic payments and pay your vendors on your own schedule. The receiver usually receives the money within a few days or for a cheap fee you can make sure it gets to them the same day.”
Verified reviewer profile picture

Austin A.

Founding Member

“Facilitating payments, whether for invoices, returns, etc., is pretty simple with Melio.”
OS

Oscar S.

Manager

Starting price
25per user /
per month
visit website
Pros and Cons based on 400 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

Stripe

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

User insights about the payment processing feature

Reviewers highlight Stripe's efficient, reliable, and easy-to-use payment processing. They appreciate the platform's seamless integration with websites and other software, as well as its flexible payment options. Users mention the low fees and fast processing times but note occasional delays in fund transfers and high processing fees for small businesses.
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“The entire flow is smooth. Customers gets the benefit to choose from Credit & Debit Cards, wallets and even buy now pay later as flexible payment options. Seller are benefited as there are no setup costs, no hidden costs and no monthly fees. Even the dashboard is smooth and simple.”
Verified reviewer profile picture

Gaurav J.

Sr. Ecommerce Manager

“Payment processing is very crucial in Stripe cause it's the core function of the platform and Stripe provides businesses with the tools they need to accept payments online and in mobile apps.”
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Mayank J.

Aspiring Enginner and Entrepreneur

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
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
SumUp logo

SumUp

Reviews Sentiment
 
 
 
1-2(91)
3-4(366)
5(1,011)
Key Features
Data Security4.0
Online Payments4.0

User insights about the payment processing feature

Users report that SumUp's payment processing is fast, reliable, and easy to use. They appreciate the QR code system and the ability to process credit card payments between sellers and buyers. However, some users mention issues with double charges, language barriers on the website, and funds being held without explanation.

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“Fast and effective process, the link option is what I use the most, payment occurs in 3-5 working days”
MG

Micheli G.

Administrador

“I use this features to accept payments when selling items it different cities and it has always worked really well for me. Deposits are fast and customers think it is easy to use!”
SN

Shanna N.

Designer / Owner

Starting price
99flat rate /
per month
visit website
Pros and Cons based on 1,468 verified reviews

Tangible free rewards

Significant money savings

Customizable rewards program

Convenient reward tracking

Frequent discounts

Frequent connection problems

Complicated account registration

Overwhelming messaging

High costs and fees

Inadequate financial management

See pros and cons details
Online Check Writer logo

Online Check Writer

Reviews Sentiment
 
 
 
1-2(11)
3-4(74)
5(170)
Key Features
Data Security4.2
Online Payments --

User insights about the payment processing feature

Reviewers appreciate the fast and easy payment processing of Online Check Writer. They highlight the option to print or mail checks and the platform's convenience for cash-dependent businesses. However, some users mention issues with the approval process, lost checks, and occasional glitches in the system.

See related user reviews

“The cornerstone of online check writer is a fast payment processing workflow.”
JG

James G.

Controller

“Payments are processed in a timely manner while keeping all party's information and funds secure.”
KM

Karma M.

Special Education Teacher

Starting price
30flat rate /
per month
visit website
Pros and Cons based on 255 verified reviews

Convenient check printing

Unexpected price hikes

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 payment processing feature

Users find Vagaro's payment processing easy and convenient, with features like storing credit card information and pre-payment options. They appreciate the integration with scheduling and reporting tools. However, some users report issues with customer service, device connectivity, and higher fees for manually processed cards.

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“I wish they didn't charge a higher amount for cards that are manually processed vs swiped. Pretty soon most of my business will be virtual with virtual payments. I may have to shop around”
JG

Jamie G.

Functional Nutrition Counselor / Holistic Trichologist

“It's important because everything else is all in one with this program. Scheduling, fees of service. The only downside is that they charge more for using cards saved in system”
CB

Courtney B.

Massage therapist

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
Lavu POS logo
Reviews Sentiment
 
 
 
1-2(30)
3-4(69)
5(157)
Key Features
Data Security4.4
Online Payments

User insights about the payment processing feature

Reviewers appreciate Lavu POS's fast and user-friendly payment processing. They highlight the dual pricing options, which save money on credit fees and encourage cash payments. Users report that the system is easy to implement and integrates well with credit card readers. However, some mention the need for offline payment options and occasional issues with hot spots.

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“Credit Card reader is super fast and will except all card. We choose to add 4% fee into pricing giving a 4% discount for cash purchases. It's wonderful and we've had NO complaints. After first month our Lodge has saved enough on Credit fees that it actually covers our cost of the LAVU system. ”
DC

Debbie C.

Bar Manger

“All are automatically and you can do processing very fast! ”
AK

Andrei K.

Manager

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 256 verified reviews

Responsive and helpful support

Reliable customer service

Effective restaurant management

Unreliable card processing

Frequent system crashes

Unexpected price increases

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 payment processing feature

Reviewers appreciate PayPal's fast, secure, and user-friendly payment processing. They highlight the convenience of international transactions and the ability to handle various payment methods. Users mention occasional delays and high fees but value the platform's widespread acceptance and integration with online shopping. Some users report issues with customer service and account holds.
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“I love PayPal in light of the fact that is a solid, quick and helpful method for sending and get cash. For my purposes, it is a simple to utilize installment technique that I can use without agonizing over my Visa data being taken. I can undoubtedly send cash to companions or family utilizing the application on my telephone and I don't need to stress over the expenses related with sending cash globally.”
JC

Jude C.

Business

“PayPal processes payments instantly which is crucial for a more effective payment process. Every time I send or receive a payment, the money arrives in less than 1 minute. This feature makes small businesses to be more organized as they do not need to wait business days to receive their payments.”
Verified reviewer profile picture

Emely M.

Compliance asociate

Starting price
0.29other
Pros and Cons based on 26,125 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
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 payment processing feature

Users find Square Payments' processing quick, easy, and reliable. They appreciate the low fees, instant transfers, and offline mode. Reviewers highlight the system's seamless integration with various channels, including in-person, online, and mobile payments. However, some users report issues with customer service and delays in fund transfers.

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“When I was younger, places took cards and used the machine that you used your hand to slide across and imprint the card onto carbon paper. Then business owners had to use another system to report all card sales and get the $$ from them. Now a days tho, technology has advanced so so much, and it really couldn't be any easier than Square makes it! It accepts cards with chips, it'll let you swipe, it keeps card amounts separate from cash so it's easy to close out.. it's the easiest and most convenient device I've used so far for payments and payment processing. ”
RD

Robyn D.

Owner

“Payment processing is so quick using this program. I get my money instantly from a client. They usually pay at the session right before we start the photographs and the money is in my bank account before the session is over. ”
AM

Amie M.

Photographer

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 2,653 verified reviews

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
Clover logo
Reviews Sentiment
 
 
 
1-2(122)
3-4(171)
5(271)
Key Features
Data Security3.9
Online Payments

User insights about the payment processing feature

Users report that Clover's payment processing is easy, fast, and reliable. They appreciate the system's ability to accept various payment methods, including contactless options. However, some users mention issues with customer service, hidden fees, and device malfunctions. The platform's ease of use and quick deposits are valued by many.

See related user reviews

“Adding this system has allowed us to accept different forms of payment, ie contactless pay options. Which has been beneficial during the pandemic.”
RB

Rachel B.

Manager

“It is easy to process payment types with Clover. My system accepts all major credit cards, and even accepts Apple Pay and Google Pay.”
TW

TAMMY W.

Owner

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 564 verified reviews

Intuitive and sleek interface

Hassle-free setup

Comprehensive sales tracking

Ideal for small businesses

Efficient employee training

Inefficient customer support calls

Difficult account cancellation process

Poor email communication

High and hidden fees

Complicated bank account management

See pros and cons details

Other Top Rated Payment Processing Software with Payment Processing 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
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
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 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
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
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

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 the robust encryption, multi-factor authentication, and fraud detection systems that protect sensitive financial data, ensuring regulatory compliance and building trust with users. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Users appreciate the convenience and flexibility of online payments, enabling seamless transactions, invoice management, and various payment options, which enhance customer satisfaction and business efficiency. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers value the ability to swiftly and securely process debit and credit card transactions, linking multiple cards, and integrating with various platforms to meet diverse customer needs. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Users emphasize the importance of fraud prevention features like real-time alerts, customized rules, and risk management technologies that help detect and prevent unauthorized transactions. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Reviewers appreciate the convenience and security of mobile payments, allowing for easy transactions on-the-go, which is essential for businesses and individuals alike. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users highlight the ease of creating custom invoices, tracking payments, and sending reminders, which streamline billing processes and improve financial management. 86% of reviewers rated this feature as important or highly important.