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Top Rated Recurring Billing Software with Electronic Payments 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

Electronic payments streamline the billing process, allowing for quick, secure, and convenient transactions. They support multiple payment options, enable easy scheduling of recurring payments, and enhance customer satisfaction by ensuring efficient and hassle-free payment experiences. Our reviewers in recurring billing software rated this feature as highly important.

3 Best Recurring Billing Software with Electronic Payments

  • QuickBooks Online
  • PayPal
  • Square Point of Sale - Highest rated for electronic payments

See other top Recurring Billing products with electronic 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 recurring billing software category. They also needed to have sufficient reviews about electronic 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 electronic 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

QuickBooks Online logo
4.3
(8.3K)
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User insights about the electronic payments feature

Reviewers appreciate the convenience and security of electronic payments in QuickBooks Online. They highlight the ease of processing payments directly from invoices, which speeds up cash flow and reduces manual handling. Users report that the system supports various payment methods, including ACH and credit cards, and integrates well with other tools like Ramp. They find the feature time-saving and efficient, although some mention delays in fund transfers and issues with customer support.
“I appreciate how easy and convenient it is to process electronic payments through QuickBooks Online. It saves me time and eliminates the hassle of manual payment handling. Highly recommend this feature for efficient payment processing!”
Verified reviewer profile picture

Terra O.

Director of Administrative Services and Finances

“We are able to receive direct electronic payments from our clients to our invoices. This allows us to quickly collect money on time rather than wait for checks to be cashed in the bank.”
KC

Katie C.

Admin

Recurring Billing key features coverage

QuickBooks Online offers 5 out of the 5 key features for Recurring Billing software identified by reviewers:

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

Pros and cons based on 8,328 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 8,328 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.

PayPal logo
4.7
(26.1K)
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User insights about the electronic payments feature

Users find PayPal's electronic payments system fast, secure, and convenient for both personal and business transactions. They appreciate the ability to make payments globally, integrate with various websites, and use multiple payment methods like credit cards, debit cards, and bank transfers. Reviewers highlight the ease of use, quick transaction processing, and enhanced security features that protect their financial information. They also value the seamless integration with other systems and the ability to manage payments without revealing personal bank details.
“Because they enable PayPal to offer a fast, secure, and convenient way for customers and businesses to make online payments and receive payments online too. Instantaneous payments are secure and affordable.”
JA

Jackson A.

Management Consultant

“Pay Pal offers a convenient and efficient way to send and receive money online, with electronic payments users can make transactions from comfort of their own devices.”
TL

Tyson L.

San Miali Electrician

Recurring Billing key features coverage

PayPal offers 4 out of the 5 key features for Recurring Billing software identified by reviewers:

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

Pros and cons based on 26,125 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 26,125 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 Point of Sale logo
4.6
(3K)
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User insights about the electronic payments feature

Reviewers indicate that Square Point of Sale makes electronic payments easy and intuitive, allowing businesses to accept various payment methods including credit/debit cards, Apple Pay, and Samsung Pay. They appreciate the fast transaction processing and the ability to send invoices and payment links via email or text. Users report that funds are transferred quickly to their bank accounts, enhancing cash flow. They also value the security and convenience of electronic payments, which eliminate the need for cash handling.
“Square makes taking credit cards extremely easy. We have the wall mount which has both the slot to insert card or tap to pay. Both are utilized regularly by our customers. This is the main purpose in us signing up with Square. We wanted a way for customers to use credit cards without us needing to man our storefront. This kiosk is a wonderful option. ”
DG

Danielle G.

Farm Store Manager

“Our business is primarily online, and occasionally in-person at vendor fairs. The majority of our sales are electronic. We are able to send invoices and payment links via e-mail or text message, as well as accept debit/credit card payments in person. ”
AS

Ashley S.

Co-Owner

Recurring Billing key features coverage

Square Point of Sale offers 4 out of the 5 key features for Recurring Billing software identified by reviewers:

Invoice Processing4.7
Billing & Invoicing4.7
Bank Reconciliation
Payment Processing4.7
Recurring/Subscription Billing4.3

Pros and cons based on 3,010 verified reviews

74% 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 3,010 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.

Other Top Rated Recurring Billing Software with Electronic Payments in 2026

Sage Intacct logo

Sage Intacct

Best-in-class Cloud ERP for Finance

visit website
The Subscription Lifecycle Made Easy - Automate billing, subscription changes, and revenue recognition to instantly boost efficiency.

Read more about Sage Intacct

Users also considered
Stripe Billing logo

Stripe Billing

Category Leaders

Subscriptions and invoicing for ambitious businesses

visit website
Stripe Billing is an end-to-end billing automation solution that helps businesses manage subscriptions and invoices with flexible billing components and billing logic. Stripe Billing helps businesses support new billing models, capture more revenue, and accept more payments globally.

Read more about Stripe Billing

Users also considered
ZarMoney logo

ZarMoney

Category Leaders

Cloud-based accounting solution for businesses of all sizes

visit website
ZarMoney is a cloud-based accounting solution designed to assist businesses of all sizes with the management of inventory and finances. Key features include team collaboration, quote generation, invoicing, transaction tracking, remote access, and approval workflows.

Read more about ZarMoney

Users also considered
MuniBilling logo

MuniBilling

Cloud-based utility billing and property management software

visit website
MuniBilling is a cloud-based utility billing and property management software with configurable features for municipalities, government, and private companies

Read more about MuniBilling

Users also considered
Chargebee logo

Chargebee

Subscription management and recurring billing software

visit website
Keep Subscription Management Uncomplicated as You Scale. Chargebee automates the entire subscription management process from defining pricing models, to invoicing, payment pages, customer portal, and reporting.

Read more about Chargebee

Users also considered
Melio logo

Melio

Accounts payable platform for businesses of all sizes

visit website
Melio’s B2B payments platform supports businesses of all sizes by enabling payments through bank transfers or cards, even when cards are not accepted. Sync smoothly with QuickBooks and Xero, automate scheduling tasks, and set up approval workflows for better control.

Read more about Melio

Users also considered
Helcim logo

Helcim

Billing, Invoicing and Payment Processing with Helcim

visit website
Helcim lets you set up automatic payments and billing with ease. Use the card vault to save customer information and automatically process payments when they’re due.

Read more about Helcim

Users also considered
Zoho Billing logo

Zoho Billing

End-to-end billing solution built for every business model.

visit website
Zoho Billing streamlines recurring billing with flexible options, supporting billing configurations for plan purchases, and renewals yearly, monthly, or any custom period.

Read more about Zoho Billing

Users also considered
FreshBooks logo

FreshBooks

Category Leaders

Invoice and accounting software tailored to small businesses

visit website
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
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
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

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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
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
SuiteDash logo
Category Leaders

All-in-One Business Software

learn more
Perfect for small to medium-sized businesses looking for a cost-effective, all-in-one platform to integrate CRM, project management, billing, and client portals, SuiteDash simplifies operations, boosts productivity, and reduces overhead costs. Save time and money while streamlining your workflow wit

Read more about SuiteDash

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
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

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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

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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
Avaza logo
Category Leaders

All-in-one, client-focused project management for teams.

learn more
Avaza is a business management solution which includes features for project management, resource scheduling, online timesheets, expense management, online invoicing, recurring invoicing, quotes and invoices, and more. Avaza also integrates with third party platforms to streamline workflows.

Read more about Avaza

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

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 highlight that invoice processing is efficient, customizable, and integrates with various systems, making it easy to manage and track invoices accurately and quickly. 98% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Reviewers value the ability to automate billing and invoicing, customize invoices, and track payments, which streamlines financial management and enhances professionalism. 96% of reviewers rated this feature as important or highly important.
  • Bank Reconciliation: Users emphasize the ease and accuracy of bank reconciliation, noting features like automatic transaction matching and clear discrepancy identification. 95% of reviewers rated this feature as important or highly important.
  • Payment Processing: Reviewers highlight the efficiency, reliability, and security of payment processing, as well as the ability to handle various payment methods and integrate with other systems. 93% of reviewers rated this feature as important or highly important.
  • Recurring/Subscription Billing: Users appreciate the automation of recurring billing, which simplifies managing subscriptions, improves cash flow, and reduces administrative tasks. 90% of reviewers rated this feature as important or highly important.