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Top Rated Recurring Billing 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 in recurring billing software enables businesses to automate transactions, manage cash flow, and offer multiple payment options. This functionality ensures timely payments, enhances record-keeping, and improves customer satisfaction by providing secure and efficient payment solutions. Our reviewers in recurring billing software rated this feature as highly important.

8 Best Recurring Billing Software with Payment Processing

Product
User rating
Starting price
Melio logo
4.2
(400)
25
per user/per month
visit website
FreshBooks logo
4.5
(4.5K)
21
flat rate/per month
visit website
Xero logo
4.4
(3.2K)
25
flat rate/per month
visit website
Housecall Pro logo
4.7
(2.7K)
79
flat rate/per month
visit website
Square Point of Sale logo
4.6
(3K)
Free
learn more
PayPal logo
4.7
(26.1K)
0.29
other
learn more
BILL Accounts Payable & Receivable logo
4.1
(556)
49
per user/per month
learn more
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month
learn more

See other top Recurring Billing products with payment processing

How we picked the 8 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 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 8 best products

Melio logo

Melio

Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(262)
Key Features
Invoice Processing4.4
Electronic Payments4.1

User insights about the payment processing feature

Reviewers find Melio's payment processing easy to use and convenient, especially for setting up automatic and recurring payments. They appreciate the integration with QuickBooks Online and the ability to process ACH payments for free. However, some users report issues with failed payments, slow processing times, and poor customer support.
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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

“The payment processing is a little slow. If they could speed this up it would be very helpful. Also, it use to be free to send a paper check and now there is a charge. I wish they had some other options to keep that cost down. ”
JP

Jodi P.

Owner

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
FreshBooks logo

FreshBooks

Reviews Sentiment
 
 
 
1-2(82)
3-4(1,765)
5(2,655)
Key Features
Invoice Processing4.6
Electronic Payments4.5

User insights about the payment processing feature

Reviewers appreciate FreshBooks' payment processing for its speed, ease of use, and integration with various payment gateways like Stripe and PayPal. They find it convenient for clients to pay directly through invoices and value the ability to track payment statuses. However, some users report issues with double charging and difficulties in canceling subscriptions.

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“payment processing is seamlessly integrated into the online invoicing customers can quickly pay their outstanding balance directly from the invoice generated.”
ED

Eugene D.

Project Manager

“FreshBooks integrates with popular payment gateways like Stripe, PayPal, and credit card processors, making it easy for clients to pay directly through invoices. Clients can pay online with just a few clicks, improving convenience and increasing the”
AA

Adah A.

Certified Public Accountant

Starting price
21flat rate /
per month
visit website
Pros and Cons based on 4,502 verified reviews

Cloud accounting accessibility

Efficient invoicing capabilities

Tailored for small businesses

Minimal learning curve

Effective freelancer tools

Reliance on internet connection

Limited bank integration

High costs for larger teams

Frequent technical issues

See pros and cons details
Xero logo

Xero

Reviews Sentiment
 
 
 
1-2(157)
3-4(1,150)
5(1,943)
Key Features
Invoice Processing4.6
Electronic Payments4.6

User insights about the payment processing feature

Reviewers indicate that Xero's payment processing is efficient, secure, and integrates well with popular payment gateways like Stripe and PayPal. They appreciate the ability to include payment links in invoices and the ease of reconciling payments with bank statements. However, some users mention a lack of integration with certain banks and a desire for a more visually appealing user interface.

See related user reviews

“I have integrated my payment processor with Xero and my clients can make payments directly through the invoices I send. This becomes easy for them to view and pay the invoice.”
AA

Abhishek A.

CEO

“Xero integrates with popular payment gateways, allowing users to process payments from their customers quickly and securely.”
DN

Debbie N.

Manager

Starting price
25flat rate /
per month
visit website
Pros and Cons based on 3,250 verified reviews

Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details
Housecall Pro logo

Housecall Pro

Reviews Sentiment
 
 
 
1-2(74)
3-4(532)
5(2,130)
Key Features
Invoice Processing3.8
Electronic Payments4.4

User insights about the payment processing feature

Reviewers appreciate Housecall Pro's payment processing for its simplicity, speed, and user-friendly interface. They find it convenient for accepting payments in the field and value the integration with online payment options. However, some users mention issues with the credit card processing in areas with poor connectivity and inconsistent processing times.

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“The credit card piece can be tough in bad areas. The ability to accept "offline" would help in the field. ”
TL

Trey L.

Operations manager

“Accepting payment online makes sure we get paid quicker. Housecall Pro's online payment options were easy to integrate to make sure we didn't have issues receiving funds.”
DR

Dave R.

Manager

Starting price
79flat rate /
per month
visit website
Pros and Cons based on 2,736 verified reviews

Enhanced task organization

Facilitates business growth

Efficient dispatching system

Responsive support team

Continuous software improvements

Disruptive software updates

Slow issue resolution

Limited email marketing features

Inadequate financial management

Problematic QuickBooks integration

See pros and cons details
Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(735)
5(2,213)
Key Features
Invoice Processing4.7
Electronic Payments4.7

User insights about the payment processing feature

Reviewers indicate that Square Point of Sale's payment processing is fast, easy, and reliable. They appreciate the ability to process payments anywhere, including in the field, and the seamless integration with mobile devices. Users report that it supports various payment methods, including credit cards and online invoices. However, some mention high fees and occasional issues with holding payments.

See related user reviews

“I can take payments any time, any where, and in almost any form. I can even account for cash payments received. Every payment is accompanied by super easy invoice which creates data pools to make things like taxes a breeze. ”
RB

Rodney B.

President

“This works very well and we have not had any issues with accepting payments. We use the small adapter to plug into our lightning connector on our iPhones and we have not had issues with getting it connected to our phones. It connects well and we have not had any missed payments, even when phone service was a bit spotty at times. ”
MM

Megan M.

Physical therapist

Starting price
Free
learn more
Pros and Cons based on 3,010 verified reviews

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details
PayPal logo
Reviews Sentiment
 
 
 
1-2(519)
3-4(6,259)
5(19,347)
Key Features
Invoice Processing4.5
Electronic Payments4.6

User insights about the payment processing feature

Reviewers appreciate PayPal's fast and easy payment processing, highlighting its convenience for both personal and business transactions. They value the security and reliability of the platform, as well as its ability to handle international payments. However, some users mention issues with account holds, high fees, and occasional delays in transferring funds to bank accounts.
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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.”
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Emely M.

Compliance asociate

Starting price
0.29other
learn more
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
BILL Accounts Payable & Receivable logo
Reviews Sentiment
 
 
 
1-2(65)
3-4(196)
5(295)
Key Features
Invoice Processing4.2
Electronic Payments4.3

User insights about the payment processing feature

Reviewers highlight the ease and efficiency of BILL's payment processing, noting its ability to handle bulk payments and the convenience of direct bank transfers. They appreciate the fast turnaround times and the user-friendly interface. However, some users report issues with unexpected currency conversions and delays in fund transfers.

See related user reviews

“Payment processing is the best part in BILL as it has simplified our clients to make payments instantly. ”
PV

Pavan V.

Accounting Specialist

“Super easy! Ensuring that our vendors are paid in a timely manner is an utmost importance. Bill.com payment processing is user friendly and fast.”
NM

Ndara M.

Assistant Program Director

Starting price
49per user /
per month
learn more
Pros and Cons based on 556 verified reviews

Seamless QuickBooks integration

Streamlined approval process

Efficient document management

Automated invoice management

Limited chat support

High costs and confusing pricing

Slow issue resolution

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(454)
3-4(3,126)
5(4,748)
Key Features
Invoice Processing4.4
Electronic Payments4.5

User insights about the payment processing feature

Reviewers appreciate QuickBooks Online's payment processing for its convenience, ease of use, and integration with invoicing. They value the ability to offer multiple payment options to customers and the seamless tracking of payments. However, some users mention high fees, occasional delays in processing payments, and issues with chargebacks.

See related user reviews

“It provides smooth connection with a range of payment gateways. This makes it possible for me to effectively receive payments made with bank transfers, credit cards, or other means. For my company, the ease of using QuickBooks' payment processing exp”
MA

Mark A.

Researcher

“I like payment processing in QuickBooks Online because it facilitates timely payments, streamlines financial transactions, improves cash flow management, and enhances overall efficiency.”
AR

Antonio R.

Linguist

Starting price
38flat rate /
per month
learn more
Pros and Cons based on 8,328 verified reviews

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Other Top Rated Recurring Billing Software with Payment Processing 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
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
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
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
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
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
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
Invoice Home logo

Invoice Home

Billing and invoicing software for small businesses

visit website
Invoice Home is an invoicing software for freelancers and small businesses that helps create, customize, and send invoices in PDF format using templates and options for adding a personalized logo.

Read more about Invoice Home

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
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

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
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
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
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

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 value the ease of creating, sending, and tracking invoices, with options for customization, automation, and integration with financial systems, enhancing efficiency and accuracy. 98% of reviewers rated this feature as important or highly important.
  • Electronic Payments: Users appreciate the quick, reliable, and secure processing of electronic payments, offering multiple payment options and easy integration with other systems, which simplifies transactions and improves cash flow. 97% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Reviewers highlight the streamlined process for generating and managing invoices, including customization, automation, recurring billing, and payment tracking features that enhance efficiency and organization. 96% of reviewers rated this feature as important or highly important.
  • Bank Reconciliation: Users find bank reconciliation straightforward and efficient, with features like automatic transaction matching and linked bank accounts that simplify maintaining accurate financial records. 95% of reviewers rated this feature as important or highly important.
  • Recurring/Subscription Billing: Users appreciate the automated recurring billing features for subscriptions, which improve cash flow predictability, reduce administrative tasks, and offer flexibility in billing frequencies. 90% of reviewers rated this feature as important or highly important.