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Top Rated Payment Processing Software with Free

Last updated: May 2026

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142 software options

Chargebee logo

Chargebee

Subscription management and recurring billing software

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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.

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Melio logo

Melio

Accounts payable platform for businesses of all sizes

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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.

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Mercury logo

Mercury

Banking for startups and growing companies

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Mercury is a financial technology company that provides online business banking services for startups, small businesses, and scaling companies. The platform offers checking and savings accounts, business credit cards with cashback, expense management tools, and automated bill pay and invoicing features. Mercury includes accounting automations that sync with QuickBooks, Xero, and NetSuite, along with treasury services for earning yield on idle cash through high-liquidity portfolios.

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SumUp logo

SumUp

POS and payments processing software

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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.

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Anchor logo

Anchor

Streamlines billing for effortless payments

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Client payments that are always paid on time, automatically!
On the billing due date, your clients will be auto-charged per their agreement.
* Your client will be auto-charged via their pre-approved credit card or ACH
* Pre-determine who pays the credit card processing fees (ACH is $0)

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EBizCharge logo

EBizCharge

Accept payments faster in your ERP, CRM & eCommerce platform

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EBizCharge Payment Management Software lowers processing rates and helps you manage credit card payments securely and remotely from anywhere.

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Helcim logo

Helcim

Billing, Invoicing and Payment Processing with Helcim

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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.

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Nomod logo

Take card payments anytime, anywhere.

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Accept card payments via payment links or in-person using only your phone. Forget the many hassles of cash or transfers!

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WeTravel logo

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

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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.

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ePayPolicy logo

Faster, Easier, Integrated Insurance Payment Services

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ePayPolicy is a payment processing solution designed to help businesses in the insurance sector collect credit card and ACH payments from policyholders. The centralized dashboard enables administrators to track transactions, access electronic receipts, and control user permissions.

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Venmo logo

Digital wallet & mobile payment gateway

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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

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Zoho Invoice logo

Online invoicing tool for freelancers and SMBs.

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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.

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Broadly logo

Online review & reputation management for small businesses

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Broadly is an online review & reputation management tool that helps small service-providing businesses improve their online reputation & attract new customers

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Square Payments logo

Online payment processing for merchants & vendors

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

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StoreKit logo

Food delivery and point of sale (POS) software for retailers

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StoreKit is designed to help businesses process food orders and streamline point of sale (POS) operations. The application enables retailers to create and edit digital menus, maintain product catalogs, and set up online stores by adding address, opening times, and merchandise information.

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Cheddar Up logo

Secure Payment Processing + Custom Forms for Groups

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Cheddar Up enables groups to process payments and information online – for free. Create custom forms to collect registrations, waivers with e-signatures, item variations, and more. Securely collect credit card or eCheck payments and track it all with streamlined reporting.

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PayPal logo

Payment processing, fraud protection and risk management

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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.

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Alboom Pay logo

Web-based payment processing solution for SMEs

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Alboom Pay is a secure online payment system for small and medium-sized businesses. Each time a user buys from a merchant using Alboom Pay, they will have the option to pay online using their bank account or through their credit cards.

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Bookipi logo

Invoicing, easier than ever.

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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 ★

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TherapyNotes, LLC logo

Online mental health EMR and practice management software.

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

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Square Point of Sale logo

iPad & Android point of sale (POS) system

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

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PayRequest logo

Subscription and billing management software

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PayRequest is a cloud-based platform designed to help businesses streamline billing and subscription management operations. It offers white-labeling capabilities, which allow users to create personalized payment pages with custom CSS, logos, and colors to establish brand identity with clients.

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Square Invoices logo

Cloud-based invoice platform for freelancers & SMBs

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Square Invoices is a cloud-based invoice generation platform from which sellers can create, send, and track customized, professional-looking invoices for free

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PayPal Commerce Platform logo

Online store checkout solution

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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.

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PEX logo

Expense management for controlling employee spending

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PEX is an expense management solution for business that integrates your accounting software with prepaid debit cards to control and analyze employee spending

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