The Best Payment Processing Software in 2026
We researched payment processing software from official vendor websites, including pricing pages, plan tables, and product documentation. Products were ranked on their core payment-processing job, value for money, and verified features across payment methods, recurring billing, payouts, checkout channels, and merchant operations.
Our top picks
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Top ranked
Stripe Payments#1 of 729.4/10A broad payment platform for developers building scalable, multi-channel payment products.
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Runner-up
PayPal Payments#2 of 729.3/10A broad payment stack with a free entry point and wide market coverage.
Free plan
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Top-ranked free plan
Airwallex Payments#7 of 728.8/10A flexible global payments stack with a free plan and broad commerce integrations.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 72 tools, best first · page 1 of 2
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Best forDevelopers building scalable payment platforms
A broad payment platform for developers building scalable, multi-channel payment products.
9.4/10★★★★★Visit Stripe -
Best forBusinesses prioritizing reach and a free entry point
A broad payment stack with a free entry point and wide market coverage.
9.3/10★★★★★Visit PayPal -
Best forGlobal enterprises needing broad payment coverage
Broad global payment coverage with transaction-based pricing and extensive platform tools.
9.2/10★★★★★Visit Adyen -
Best forEuropean merchants wanting flexible pay-as-you-go pricing
Flexible European payment processing with pay-as-you-go pricing and broad payment-method coverage.
9.1/10★★★★★Visit Mollie -
Best forLarge merchants and marketplaces with international needs
A broad payments platform for large merchants and marketplaces operating across markets.
9.0/10★★★★☆Visit Checkout.com -
Best forMerchants needing PayPal and card coverage
A broad payment stack for merchants that need PayPal, cards, wallets, and recurring billing.
8.9/10★★★★☆Try PayPal Braintree -
Best forGlobal ecommerce seeking a free starting plan
A flexible global payments stack with a free plan and broad commerce integrations.
- In-person payments
- Payment links
- Multi-currency support
8.8/10★★★★☆Visit Airwallex -
Best forIndian businesses wanting straightforward payment APIs
A broad India-focused payment gateway with APIs, recurring billing, and marketplace tools.
8.7/10★★★★☆Visit Razorpay -
Best forIndian businesses needing UPI and marketplace tools
A broad payment gateway for Indian businesses that need UPI, recurring payments, and split settlements.
8.6/10★★★★☆Visit Paytm -
Best forIndian merchants needing broad payment-method coverage
A broad payment gateway for Indian merchants with recurring, marketplace and international tools.
8.5/10★★★★☆Visit PayU -
Best forBusinesses needing global collections and payouts
A broad payment stack for businesses managing collections, settlement, and payouts across markets.
- In-person payments
- Payment links
- Multi-currency support
8.4/10★★★★☆Visit Rapyd -
Best forSoutheast Asian platforms needing payouts and plugins
A broad regional payments platform for acceptance, subscriptions, marketplaces, and payouts.
8.3/10★★★★☆Visit Xendit -
Best forMerchants combining cards with PayPal payments
A broad payment stack for merchants that want cards and PayPal in one integration.
8.2/10★★★★☆Visit Braintree -
Best forAsian businesses needing alternative payment methods
A broad regional payments platform with contact-sales pricing and multiple integration paths.
8.1/10★★★★☆Visit 2C2P -
Best forMerchants needing varied payment methods and POS
A broad payment stack for merchants that need online, in-person, and alternative methods.
- In-person payments
- Payment links
- Multi-currency support
8.0/10★★★★☆Visit Paysafe -
Best forEuropean SMBs wanting low monthly platform costs
A flexible European payments platform with low monthly plans and broad commerce support.
7.9/10★★★★☆Visit Viva.com -
Best forEstablished merchants needing broad currency coverage
A broad payment stack for established merchants with international and recurring-payment needs.
7.8/10★★★★☆Try Global Payments -
Best forEuropean merchants needing online and in-store payments
A broad European payment stack with links, recurring billing, POS and app integrations.
- In-person payments
- Payment links
- Multi-currency support
7.7/10★★★★☆Visit Nexi -
Best forIndian marketplaces and merchants needing payouts
A broad India-focused payment stack for checkout, marketplaces, subscriptions and payouts.
- In-person payments
- Payment links
- Multi-currency support
7.6/10★★★★☆Visit Cashfree -
Best forCross-border businesses using local payment rails
A cross-border payment platform combining local payins, payouts, settlement, and controls.
- Payment links
- Multi-currency support
- Recurring billing
7.5/10★★★★☆Visit dLocal -
Best forAfrican businesses needing local and mobile channels
A flexible African payments platform with local channels, APIs, plugins, and billing tools.
7.4/10★★★★☆Visit Paystack -
Best forBusinesses extending Stripe to in-person payments
A focused in-person extension for businesses already building on Stripe.
7.3/10★★★★☆Try Stripe Terminal -
Best forIndonesian merchants needing local payment methods
A broad Indonesian payment gateway with hosted checkout, APIs, recurring billing, and fraud controls.
7.2/10★★★★☆Visit Midtrans -
Best forSpanish and Portuguese ecommerce merchants
A broad payment platform for Spain and Andorra with strong ecommerce coverage.
7.1/10★★★★☆Visit MONEI -
Best forSmall businesses wanting processing plus POS tools
A broad payment stack for small businesses that need online, in-person, and POS tools.
- In-person payments
- Payment links
- Multi-currency support
7.0/10★★★★☆Visit Helcim -
Best forDigital businesses needing merchant-of-record services
A specialized payment stack for digital sellers that combines checkout, tax, billing, and fulfillment.
6.9/10★★★☆☆Visit FastSpring -
Best forMarketplaces needing wallets and KYC/KYB
A marketplace-focused payment stack for wallets, splits, verification, and payouts.
6.8/10★★★☆☆Visit Mangopay -
Best forTeams needing open-source billing infrastructure
A flexible billing core for teams that want control over infrastructure and data.
- Multi-currency support
6.7/10★★★☆☆Visit Kill Bill -
Best forAustralian businesses starting with low fixed cost
A low-fixed-cost payment platform with broad online, recurring and marketplace capabilities.
- In-person payments
- Payment links
- Multi-currency support
6.6/10★★★☆☆Visit Pin Payments -
Best forBusinesses needing a virtual terminal and invoicing
A focused browser payment portal for keyed transactions, invoicing, ACH, and recurring billing.
6.5/10★★★☆☆Visit PayJunction -
Best forService businesses needing recurring billing
A broad payment and billing platform for service businesses with recurring revenue.
- In-person payments
- Payment links
- Recurring billing
6.4/10★★★☆☆Visit PaySimple -
Best forRestaurants wanting a free starter POS
A restaurant-focused POS with payments, ordering, reservations, and operations tools.
6.3/10★★★☆☆Visit Toast -
Best forRestaurant groups needing reconciliation and terminals
A restaurant-focused suite for connected payments, terminals, reporting, and reconciliation.
6.2/10★★★☆☆Contact Worldline -
Best forBusinesses accepting cryptocurrency
A crypto-focused processor with checkout, billing, payouts, and flexible settlement options.
- In-person payments
- Payment links
- Multi-currency support
6.1/10★★★☆☆Visit BitPay -
Best forRestaurants needing payments and hospitality operations
A restaurant-focused payment and operations platform with a $29.99 monthly bundle.
6.0/10★★★☆☆Try Shift4 Payments -
Best forUK cafés, restaurants, bars and hotels
A hospitality-focused POS with tableside payments, reconciliation and three paid bundles.
5.8/10★★★☆☆Visit Worldpay -
Best forLightspeed users needing integrated payments
A capable Lightspeed-native processor with useful payment tools and a $89 monthly starting price.
- In-person payments
- Payment links
- Recurring billing
5.7/10★★★☆☆Visit Lightspeed -
Best forSmall organizations needing recurring billing
A focused Stripe-powered billing tool for small organizations with recurring payment needs.
- In-person payments
- Payment links
- Multi-currency support
5.6/10★★★☆☆Visit MoonClerk -
Best forIndian merchants needing many local payment modes
A broad India-focused gateway for merchants that need many payment methods and integrations.
5.5/10★★★☆☆Visit CCAvenue -
Best forSmall retailers wanting free POS operations
A capable free POS for small retailers, with paid tiers for staff, loyalty, and marketing.
5.4/10★★★☆☆Visit SumUp -
Best forDigital sellers needing no-code checkout
A flexible Stripe checkout layer for digital sellers who want no-code payment flows.
- In-person payments
- Payment links
- Multi-currency support
5.4/10★★★☆☆Visit Checkout Page -
Best forRestaurants using the Clover ecosystem
A Clover-centered restaurant POS covering orders, payments, kitchen flow, and reporting.
- In-person payments
- Payment links
- Recurring billing
5.3/10★★★☆☆Visit Clover Dining -
Best forBusinesses needing flexible payment rails and ledgers
A broad payment infrastructure layer for platforms that need collection, payouts, and ledgers.
5.2/10★★★☆☆Visit VoPay -
Best forUS businesses needing ACH and instant bank payments
A specialized API for U.S. bank payments, recurring transfers, and instant rails.
- Recurring billing
5.1/10★★★☆☆Visit Dwolla -
Best forBanks and enterprises embedding payment capabilities
An omnichannel payments platform for institutions embedding financial services.
- In-person payments
- Multi-currency support
- Recurring billing
5.0/10★★☆☆☆Contact CIT Global -
Best forSmall sellers wanting a free online storefront
A free storefront with checkout and Square ecosystem connections, but not a dedicated scheduling tool.
4.9/10★★☆☆☆Visit Square Online -
Best forBusinesses needing browser-based invoicing payments
A browser-based payment hub for invoices, recurring billing, and accounting workflows.
4.8/10★★☆☆☆Visit EBizCharge -
Best forIndian businesses needing links, subscriptions, and payouts
A broad Indian payment stack for collection, subscriptions, reconciliation, and payouts.
- Payment links
- Multi-currency support
- Recurring billing
4.7/10★★☆☆☆Visit Pine Labs -
Best forWordPress sites needing Stripe subscriptions
A focused WordPress plugin for Stripe payments, subscriptions, donations, and saved cards.
- Multi-currency support
- Recurring billing
4.6/10★★☆☆☆Visit WP Full Pay -
Best forSubscription merchants needing flexible billing models
Flexible billing and subscription payments, with contact-sales pricing and web/API coverage.
- Payment links
- Multi-currency support
- Recurring billing
4.5/10★★☆☆☆Visit CCBill
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Payment methods | Score |
|---|---|---|---|---|---|
| 1 | Stripe Payments | No | Cards, wallets, bank debits, bank transfers, buy now pay later, local payment methods, and stablecoins | 9.4 | |
| 2 | PayPal Payments | Yes | PayPal, Venmo, credit and debit cards, digital wallets, bank transfers, vouchers, buy now pay later, cryptocurrency | 9.3 | |
| 3 | Adyen | No | ACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat Pay | 9.2 | |
| 4 | Mollie | No | €20/mo | Credit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of sale | 9.1 |
| 5 | Checkout.com | No | major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers | 9.0 | |
| 6 | PayPal Braintree | No | $0.29/unit usage-based | cards, PayPal, Venmo, ACH Direct Debit, Apple Pay, Google Pay, local payment methods | 8.9 |
| 7 | Airwallex Payments | Yes | $12/user/mo | Cards, digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methods | 8.8 |
| 8 | Razorpay Payment Gateway | No | Cards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPI | 8.7 | |
| 9 | Paytm Payment Gateway | No | Cards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchers | 8.6 | |
| 10 | PayU | No | Cards, UPI, net banking, wallets, EMI, BNPL, QR and payment links | 8.5 | |
| 11 | Rapyd | No | Cards, bank transfers, digital wallets, cash, real-time payment networks, stablecoins | 8.4 | |
| 12 | Xendit | Cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, online installments | 8.3 | ||
| 13 | Braintree | Cards, PayPal, Venmo, Apple Pay, Google Pay, ACH Direct Debit, local payment methods, bank transfers, vouchers, and buy now, pay later methods | 8.2 | ||
| 14 | 2C2P | Cards, digital wallets, bank transfers, QR payments, over-the-counter payments, instalments, buy now pay later | 8.1 | ||
| 15 | Paysafe | Cards, ACH, direct debit, bank transfer, eWallets, cash, prepaid vouchers, Apple Pay, BLIK, crypto | 8.0 | ||
| 16 | Viva.com | No | £3.99/mo | Cards, digital wallets, local payment methods, direct debit and other payment methods | 7.9 |
| 17 | Global Payments | No | Credit cards, debit cards, American Express, Discover, Mastercard, Visa, Apple Pay, Google Pay, EFT/ACH, eCheck, alternative and local payment methods | 7.8 | |
| 18 | Nexi Merchant Services | No | Visa, Mastercard, Visa Electron, V-Pay, Maestro, JCB, UPI, PagoBANCOMAT, American Express, Google Pay, Apple Pay and other mobile and alternative payment methods | 7.7 | |
| 19 | Cashfree Payments | UPI, Visa, Mastercard, RuPay, Maestro, bank transfer, PhonePe, ICICI Bank, Airtel Payments, JioMoney, Amazon Pay, PayPal, American Express, Diners Club, EMI, pay later, wallets | 7.6 | ||
| 20 | dLocal | credit cards, debit cards, local bank transfers, cash payments, digital wallets, mobile money, real-time payments, buy now pay later | 7.5 | ||
| 21 | Paystack | cards, bank accounts, bank transfers, USSD, Apple Pay, Google Pay, Visa QR, mobile money, POS | 7.4 | ||
| 22 | Stripe Terminal | No | credit cards, debit cards, contactless cards, digital wallets | 7.3 | |
| 23 | Midtrans | No | bank transfer, e-wallets, credit/debit cards, QRIS, over-the-counter, cardless credit, direct debit | 7.2 | |
| 24 | MONEI | No | Cards, Click to Pay, Apple Pay, Google Pay, PayPal, Bancontact, Bizum, MB WAY, Multibanco, MONEI Flex | 7.1 | |
| 25 | Helcim | No | Visa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cards | 7.0 | |
| 26 | FastSpring | No | 6.9 | ||
| 27 | Mangopay | No | 6.8 | ||
| 28 | Kill Bill | Yes | $40/mo | 6.7 | |
| 29 | Pin Payments | Yes | Free | Visa, Mastercard, American Express, eftpos, JCB, Discover, Diners Club, Apple Pay, Google Pay | 6.6 |
| 30 | PayJunction Virtual Terminal | No | cards and bank payments | 6.5 | |
| 31 | PaySimple | No | Credit cards, debit cards, ACH/eCheck, Apple Pay, Google Pay | 6.4 | |
| 32 | Toast | No | 6.3 | ||
| 33 | Worldline Food Services Payments Suite | 6.2 | |||
| 34 | BitPay | No | Bitcoin, Bitcoin Cash, Litecoin, Dogecoin, XRP, Polygon, Ethereum, Base, Optimism, Arbitrum, Solana, and supported stablecoins | 6.1 | |
| 35 | Shift4 Payments | No | $29.99/mo | 6.0 | |
| 36 | Worldpay 360 Hospitality | No | £49/mo | 5.8 | |
| 37 | Lightspeed Payments | No | $89/mo | Credit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debit | 5.7 |
| 38 | MoonClerk | No | $18/mo | Credit and debit cards; ACH/e-checks; SEPA; BECS; Bacs; Apple Pay; Google Pay; Stripe Link; Cash App | 5.6 |
| 39 | CCAvenue | No | Credit cards; debit cards; net banking; UPI; prepaid instruments and wallets; bank EMI; mobile payments; cash cards | 5.5 | |
| 40 | SumUp POS | Yes | $49/mo | 5.4 | |
| 41 | Checkout Page | Yes | $290/yr | Visa, Mastercard, Amex, Apple Pay, Google Pay, PayPal, ACH Direct Debit, manual payments, bank transfers, bank debits, bank redirects, buy now pay later, real-time payments, vouchers, wallets | 5.4 |
| 42 | Clover Dining | No | credit and debit cards, Apple Pay, Google Pay, Samsung Pay, gift cards, PayPal, Venmo, Klarna, cash, check, BNPL, Pay by Bank | 5.3 | |
| 43 | VoPay | 5.2 | |||
| 44 | Dwolla | No | Standard ACH, Same Day ACH, RTP, FedNow | 5.1 | |
| 45 | CIT Vericash | Bank accounts, cards, QR, NFC, POS, e-commerce, P2P and international remittances | 5.0 | ||
| 46 | Square Online | Yes | 4.9 | ||
| 47 | EBizCharge Virtual Terminal | No | cards and bank payments | 4.8 | |
| 48 | Pine Labs Online Payments | Cards, UPI, net banking, wallets, EMI, BNPL, pay by points, international cards, brand wallets and e-challans | 4.7 | ||
| 49 | WP Full Pay | Yes | $159/yr | Visa, Mastercard, American Express, Discover, Diners Club, JCB, China UnionPay, Cartes Bancaires, Alipay, Apple Pay, Cash App Pay, Google Pay, GrabPay, MobilePay, WeChat Pay, Revolut Pay, Amazon Pay, Stripe Link, BLIK, Bancontact, EPS, iDEAL, Przelewy24, TWINT | 4.6 |
| 50 | CCBill | Credit and debit cards, ACH, checks, CCBill Pay, Discover, JCB, Diners Club, Maestro, EU Debit, SEPA Direct Debit, DirectPay EU | 4.5 |
Head-to-head All 17 comparisons →
- Stripe Payments vs PayPal Braintree
- Stripe Payments vs Airwallex Payments
- Stripe Payments vs Razorpay Payment Gateway
- PayPal Payments vs PayPal Braintree
- PayPal Payments vs Airwallex Payments
- PayPal Payments vs Razorpay Payment Gateway
- Adyen vs PayPal Braintree
- Adyen vs Razorpay Payment Gateway
- Mollie vs PayPal Braintree
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How we rank payment processing software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update