360 Payments - 2026 Pricing, Features, Reviews & Alternatives

360 Payments is a comprehensive business payment processing platform that simplifies, secures, and streamlines transaction management for organizations of all sizes. The system offers integrated payment solutions designed to help businesses focus on their core operations rather than payment logistics. Primarily serving the automotive, medical, and dental industries, 360 Payments processes a substantial volume in annual transactions across thousands of devices for over ten thousand customers, establishing itself as a significant player in the payment processing sector for small and medium-sized businesses.

The platform features a comprehensive suite of payment capabilities including integrated payments that seamlessly connect with leading business management software, enhancing operational efficiency and reducing manual data entry. Its Text to Pay functionality enables merchants to send invoices directly to customers via SMS, allowing for convenient smartphone-based payments that accelerate the collection process. For businesses seeking to increase average transaction values, 360 Payments offers consumer financing options at the point of decision, accommodating various credit ratings to make purchases more accessible. The system's mobile payment capabilities ensure businesses can accept payments anywhere with reliable hardware featuring extended battery life. Additional features include compliant surcharging options, in-person payment processing, and e-commerce integrations for online transactions. The Business Capital feature provides one-click financing options with eligibility determined by credit card processing volume through the platform.

360 Payments emphasizes integration capabilities, functioning as a registered ISO of Wells Fargo Bank and Fifth Third Bank to ensure secure transaction processing. The platform integrates with numerous business management systems particularly in the automotive sector, allowing for seamless data flow between payment processing and operational software. Its API infrastructure supports connections with accounting software and other business tools, streamlining financial management and reporting. The system adheres to industry security standards including PCI DSS compliance, implementing secure payment protocols to protect sensitive customer data. For businesses requiring specialized integrations, 360 Payments offers customization options and partner programs that facilitate collaboration with software providers for enhanced functionality and growth opportunities.