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Top Rated Recurring Billing Software with Credit Card 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: April 2026

Credit card processing enables quick and convenient payment collection, supports multiple payment methods, and integrates with other systems. It enhances customer satisfaction by offering flexible payment options and ensures reliable transaction handling. Our reviewers in recurring billing software rated this feature as highly important.

3 Best Recurring Billing Software with Credit Card Processing

  • Square Point of Sale - Highest rated for credit card processing
  • PayPal
  • QuickBooks Online

See other top Recurring Billing products with credit card processing

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 recurring billing software category. They also needed to have sufficient reviews about credit card 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 the product with the highest rating for credit card processing 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

Square Point of Sale logo
4.6
(3K)
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User insights about the credit card processing feature

Reviewers appreciate Square Point of Sale's credit card processing for its speed, ease of use, and security. They find the integration with point of sale seamless and value the ability to accept all major credit cards, including swipe, chip, and tap to pay options. Users mention competitive processing fees and the convenience of mobile processing. However, some note occasional issues with online orders and higher fees for manual card entry.
“Instantly process credit card payments! I have a little card reader which plugs right into the headphone jack of my cell phone and I'm able to take payments at every craft show and pop-up shop event.”
NS

Nathalie S.

Owner

“Credit card processing is crucial for our business as most of our customers use this method of payment. Square offers easy, affordable, and secure processing. ”
DR

Dorita R.

Partner

Recurring Billing key features coverage

Square Point of Sale offers 5 out of the 6 key features for Recurring Billing software identified by reviewers:

Invoice Processing4.7
Electronic Payments4.7
Billing & Invoicing4.7
Bank Reconciliation
Payment Processing4.7
Recurring/Subscription Billing4.4

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)
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User insights about the credit card processing feature

Users find PayPal's credit card processing quick, secure, and easy to use. They appreciate the ability to link multiple cards and the convenience of processing payments both online and offline. Reviewers highlight the security features and the ease of updating card information. Some users mention occasional difficulties with card recognition and changing payment cards, but overall, they value the reliability and efficiency of PayPal's credit card processing.
“Very efficient. It takes less than a minute to link your credit card to PayPal. You can use the credit card to receive money or buy goods and services.”
MP

Malekiado P.

DCEO

“ credit card processing in PayPal is a divine dance of convenience and security : Wide AcceptanceEnhanced SecurityEase of Use”
AA

Aicha A.

saller

Recurring Billing key features coverage

PayPal offers 5 out of the 6 key features for Recurring Billing software identified by reviewers:

Invoice Processing4.5
Electronic Payments4.6
Billing & Invoicing4.4
Bank Reconciliation
Payment Processing4.6
Recurring/Subscription Billing4.4

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.

QuickBooks Online logo
4.3
(8.3K)
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User insights about the credit card processing feature

Reviewers appreciate the seamless integration of QuickBooks Online's credit card processing with invoicing and its user-friendly interface. They find it easy and efficient for processing payments, which is convenient for their customers. However, some users mention high processing fees compared to other options like Square or Stripe, and occasional issues with timely processing. Despite these drawbacks, they value the alternative payment option for clients.
“I appreciate the seamless integration and user-friendly interface of the credit card processing feature in QuickBooks Online. Accepting payments from customers is quick and easy. A reliable and efficient tool for managing payments!”
Verified reviewer profile picture

Terra O.

Director of Administrative Services and Finances

“QuickBooks processes all credit cards which is very convenient for my customers.”
TS

Tiffanie S.

Floor Installer

Recurring Billing key features coverage

QuickBooks Online offers 6 out of the 6 key features for Recurring Billing software identified by reviewers:

Invoice Processing4.4
Electronic Payments4.5
Billing & Invoicing4.4
Bank Reconciliation4.4
Payment Processing4.3
Recurring/Subscription Billing4.3

Pros and cons based on 8,385 verified reviews

57% of users rated QuickBooks Online 5 out of 5 stars, while 5% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 8,385 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Cons:

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Pricing

Starting price:$38 flat rate/per month|Free version:Not available|Free trial:Available

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

Other Top Rated Recurring Billing Software with Credit Card Processing in 2026

PayPal logo

Payment processing, fraud protection and risk management

learn more
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 Online logo

Accounting and business management software

learn more
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
FreshBooks logo
Category Leaders

Invoice and accounting software tailored to small businesses

learn more
Use FreshBooks' auto-billing feature to automatically invoice your customers and charge their credit cards on a regular basis by setting up recurring profiles.

Read more about FreshBooks

Users also considered
Housecall Pro logo

Field service management application for businesses

learn more
Housecall Pro is a comprehensive business solution for home service professionals. Trusted by over 45,000 businesses, it offers a range of innovative tools via a user-friendly platform. Easily automate tasks, streamline workflows, communicate with customers in real time, collect data, and more.

Read more about Housecall Pro

Users also considered
Square Point of Sale logo

iPad & Android point of sale (POS) system

learn more
Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Read more about Square Point of Sale

Users also considered
Xero logo
Category Leaders

Cloud-based accounting software for small businesses

learn more
Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Simplify business admin and get a range of financial insights to help you make better decisions for your business.

Read more about Xero

Users also considered
QuickBooks Desktop logo

Comprehensive business management solution

learn more
QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Read more about QuickBooks Desktop

Users also considered
Wave logo

Accounting, invoicing, and payroll management platform

learn more
Wave is an integrated solution designed for small businesses. With our automatic bank connections, information flows into Wave, without manual entry. Users can collaborate with accountants or bookkeepers in real-time.

Read more about Wave

Users also considered
HoneyBook logo

Client management for freelancers & SMBs

learn more
HoneyBook is a client management tool designed for small business owners and freelancers to help manage and process payments, bookings, contracts, and more and aid collaboration and communication.

Read more about HoneyBook

Users also considered
Abby logo

Billing and invoicing platform

learn more
Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.

Read more about Abby

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

learn more
QuickBooks Online Advanced is a web-based accounting & business management solution which enables small businesses to track sales, inventory, financial accounts & payroll from a single dashboard

Read more about QuickBooks Online Advanced

Users also considered
PayPal Invoicing logo
Category Leaders

Free online invoice creation and sending

learn more
PayPal Invoicing is a free solution for creating and sending online invoices within a PayPal Business account. The tool allows users to create custom-branded invoice templates, populate billing details, track payments, view billing histories, schedule invoices, accept partial payments, and more.

Read more about PayPal Invoicing

Users also considered
BQE CORE Suite logo
Category Leaders

Cloud-based firm management tool for A&E firms.

learn more
BQE CORE is a cloud-based software designed specifically for architecture and engineering firms. The platform integrates accounting, invoicing, project management, and resource planning features that streamline operations across entire organizations. BQE CORE enables firms to track time and expenses, manage projects profitably, and access real-time financial data through a centralized system that eliminates the need for multiple software solutions.

Read more about BQE CORE Suite

Users also considered
Fiverr logo

Time tracking, invoicing and payments app for freelancers

learn more
Fiverr Workspace (formerly AND.CO) is a cloud-based solution for freelance and small business workers, designed to streamline the time & expense tracking process with tools such as invoicing, contract creation, time tracking, expense tracking, & more. Fiverr Workspace also provides native mobile app support for Android & iOS.

Read more about Fiverr

Users also considered
Odoo logo

All-in-one open-source business software

learn more
Eliminate the hassle of sending reminders for late or outstanding payments with Odoo’s recurring billing tools. Automate invoice processes by integrating the quotes, delivery orders and contracts.

Read more about Odoo

Users also considered
Patriot Accounting logo

Cloud-based accounting and payroll software

learn more
Patriot Accounting is an online accounting solution that allows businesses to track and manage transactions, import bank transactions, reconcile accounts, send estimates & invoices & more.

Read more about Patriot Accounting

Users also considered
ePayPolicy logo

Faster, Easier, Integrated Insurance Payment Services

learn more
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.

Read more about ePayPolicy

Users also considered
Jackrabbit Gymnastics logo

Online cheer gym management software

learn more
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

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Subbly logo

The subscription-first commerce platform

learn more
Subbly's all-in-one platform empowers you to launch, run, and scale a subscription business with no coding skills or third-party plugins required.

Read more about Subbly

Users also considered
Regpack logo

AI-automated payment and registration cloud software.

learn more
Automate and streamline your onboarding, billing, and client management tasks with Regpack. Our billing tools provide automated recurring billing plans, payment plans for one-time payments, all on your website or integrated into your product. Track revenue with our full suite of dynamic reporting.

Read more about Regpack

Users also considered
BILL Accounts Payable & Receivable logo

BILL, a leader in financial automation software for SMBs

learn more
BILL (NYSE: BILL) is a leader in financial automation software for small and midsize businesses. We are dedicated to automating the future of finance so businesses can flourish.

Read more about BILL Accounts Payable & Receivable

Users also considered
PaySimple logo

Payments today. Partners for Tomorrow.

learn more
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
Bookipi logo
Category Leaders

Invoicing, easier than ever.

learn more
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

Users also considered
vcita logo

Appointment scheduling and reminder solution

learn more
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
Online Check Writer logo

Software for managing payments and accounting operations

learn more
OnlineCheckWriter.com is check printing software and a B2B payment platform with 30+ business payment tools. Pay and get paid with checks, eChecks, ACH, wires, international payments, and credit cards. Connects with QuickBooks, Xero, and more.

Read more about Online Check Writer

Users also considered

Key features for Recurring Billing software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Invoice Processing: Reviewers appreciate automated invoice creation, ease of use, and the ability to customize invoices. Integration with other systems enhances efficiency. 98% of reviewers rated this feature as important or highly important.
  • Electronic Payments: Users find electronic payments quick, reliable, and secure. Multiple payment options and easy integration with other systems are key highlights. 97% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Reviewers value the streamlined and customizable invoicing, automated recurring billing, and professional appearance of invoices. Integration with payment processing is also noted. 96% of reviewers rated this feature as important or highly important.
  • Bank Reconciliation: Users highlight the ease and accuracy of reconciling accounts, especially with automatic bank feeds and clear discrepancy identification. 95% of reviewers rated this feature as important or highly important.
  • Payment Processing: Efficient transaction handling, multiple payment options, and robust security measures are frequently mentioned by reviewers. Integration with other systems improves overall payment management. 93% of reviewers rated this feature as important or highly important.
  • Recurring/Subscription Billing: Reviewers appreciate the automation of recurring payments, flexibility in billing cycles, and ease of managing subscriptions. The feature enhances cash flow predictability and reduces manual tasks. 90% of reviewers rated this feature as important or highly important.