The Best Payment Software in 2026
We researched payment software using vendors’ official websites, including pricing pages, plan tables, and product documentation. Rankings focus on the category’s core job, value for money, and verified features so buyers can compare options for accepting, processing, and managing payments.
Our top picks
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Top ranked
Adyen#1 of 309.4/10A global payments platform for online, in-person and marketplace transactions.
From $0.13
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Runner-up
Checkout.com#2 of 309.3/10Enterprise payment infrastructure for global acquiring, marketplaces, subscriptions, and fraud control.
Pricing on request
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Lowest paid price in the top 10
Authorize.net#9 of 308.6/10A payment gateway with virtual terminal, ACH, recurring billing, and two $25 monthly plans.
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 30 tools, best first
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Best forGlobal omnichannel and marketplace payments
A global payments platform for online, in-person and marketplace transactions.
9.4/10★★★★★Visit Adyen -
Best forLarge enterprises needing global acquiring
Enterprise payment infrastructure for global acquiring, marketplaces, subscriptions, and fraud control.
9.3/10★★★★★Visit Checkout.com -
Best forBusinesses wanting PayPal plus card payments
A broad PayPal-backed stack for businesses combining cards, wallets, and recurring payments.
9.2/10★★★★★Visit Braintree -
Best forBusinesses selling internationally with subscriptions
A hosted checkout with recurring billing, local methods and merchant-of-record options.
9.1/10★★★★★Visit 2Checkout -
Best forEuropean businesses needing broad payment methods
A pay-as-you-go payment service for online and in-person sales, with recurring and marketplace payments.
9.0/10★★★★☆Visit Mollie -
Best forMulti-currency payments and global payouts
A broad payments platform for businesses collecting, converting and paying out across currencies.
- Recurring billing
8.9/10★★★★☆Visit Rapyd -
Best forBusinesses needing cards, wallets, and alternative methods
A broad payment processor for businesses that need online and in-person payment options.
- Recurring billing
8.8/10★★★★☆Visit Paysafe -
Best forIndian merchants with web, app or marketplace payments
A broad payment gateway for merchants selling in India and internationally.
8.7/10★★★★☆Visit Paytm -
Best forSMBs needing virtual terminal and ACH
A payment gateway with virtual terminal, ACH, recurring billing, and two $25 monthly plans.
8.6/10★★★★☆Visit Authorize.net -
Best forEnterprises needing broad processor connectivity
A broad-connectivity payment platform for merchants operating across markets.
8.5/10★★★★☆Visit Cybersource -
Best forPayment providers connecting many processors
A white-label gateway for payment providers needing broad channel and processor support.
8.4/10★★★★☆Visit NMI -
Best forMarketplaces needing global methods and payouts
A global payments platform with subscription, marketplace, and payout tools.
8.3/10★★★★☆Visit BlueSnap -
Best forRestaurants needing integrated payment operations
A broad restaurant payment setup spanning in-person, online and tableside transactions.
8.2/10★★★★☆Visit Elavon -
Best forRestaurants wanting a low-cost payment bundle
A restaurant POS and payments bundle that pairs ordering tools with operational features.
8.1/10★★★★☆Visit Shift4 -
Best forSmall and mid-sized hospitality venues
A hospitality-focused POS with payment hardware, service tools and monthly plans from £49.
8.0/10★★★★☆Visit Worldpay -
Best forEnterprise teams optimizing multiple acquirers
Routes payments across providers, with retries, outage protection and consolidated reporting.
7.9/10★★★★☆Visit APEXX Global -
Best forIndian businesses needing payouts and plugins
A broad payment and payout toolkit for Indian businesses across checkout, links and APIs.
- Recurring billing
7.8/10★★★★☆Visit Cashfree -
Best forBusinesses needing broad API and currency support
Broad payment infrastructure for online, in-person, and platform businesses.
7.7/10★★★★☆Try Global Payments -
Best forMid-market and enterprise merchants accepting local payments
Local collections and cross-border payouts for merchants operating in emerging markets.
- Recurring billing
7.6/10★★★★☆Visit dLocal -
Best forEnterprise teams managing multiple payment providers
A cloud orchestration layer for merchants that need routing control and token portability.
7.5/10★★★★☆Visit Gr4vy -
Best forEnterprise and mid-market payment operations
A cloud platform for routing, risk controls, and reconciliation across payment providers.
7.4/10★★★★☆Contact IXOPAY -
Best forTeams managing payment workflows across providers
A configurable payments layer for teams coordinating checkout, providers, routing, and reconciliation.
7.3/10★★★★☆Visit Primer -
Best forLarge merchants needing gateway portability
A gateway-portable payment layer for merchants ready to pay at least $750 monthly.
7.2/10★★★★☆Visit Spreedly -
Best forBusinesses starting with subscription billing
A flexible billing option for businesses combining subscriptions, usage charges, and invoicing.
7.1/10★★★★☆Visit Airwallex -
Best forInvoice-heavy businesses needing global collection
A global invoicing stack for automated collection, recurring billing, and reconciliation.
7.0/10★★★★☆Visit Stripe -
Best forSmall businesses sending free invoices
Free invoice creation with recurring billing, reminders, and PayPal payment options.
6.9/10★★★☆☆Visit PayPal -
Best forSmall merchants wanting a free online storefront
A free storefront option with payments, inventory sync, and local fulfillment.
6.8/10★★★☆☆Visit Square -
Best forBusinesses collecting domestic recurring mandates
A domestic mandate service for recurring collections, with dashboard tools and APIs.
6.7/10★★★☆☆Visit Razorpay -
Best forCompanies paying international contractors
A web-based payer for recurring, one-time, and batch contractor payouts across borders.
6.6/10★★★☆☆Visit Payoneer -
Best forDevelopers retrieving bank-account data
An account-information API for retrieving bank details, balances and transaction history.
6.2/10★★★☆☆Visit GoCardless
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Score |
|---|---|---|---|---|
| 1 | Adyen | No | 9.4 | |
| 2 | Checkout.com | No | 9.3 | |
| 3 | Braintree | 9.2 | ||
| 4 | 2Checkout Hosted Checkout | No | 9.1 | |
| 5 | Mollie | No | €20/mo | 9.0 |
| 6 | Rapyd | No | 8.9 | |
| 7 | Paysafe | 8.8 | ||
| 8 | Paytm Payment Gateway | No | 8.7 | |
| 9 | Authorize.net | No | $25/mo | 8.6 |
| 10 | Cybersource | 8.5 | ||
| 11 | NMI | 8.4 | ||
| 12 | BlueSnap | No | 8.3 | |
| 13 | Elavon Restaurant Payments | No | 8.2 | |
| 14 | Shift4 Payments | No | $29.99/mo | 8.1 |
| 15 | Worldpay 360 Hospitality | No | £49/mo | 8.0 |
| 16 | APEXX Global | 7.9 | ||
| 17 | Cashfree Payments | 7.8 | ||
| 18 | Global Payments | No | 7.7 | |
| 19 | dLocal | 7.6 | ||
| 20 | Gr4vy | 7.5 | ||
| 21 | IXOPAY | 7.4 | ||
| 22 | Primer | 7.3 | ||
| 23 | Spreedly | No | $750/mo | 7.2 |
| 24 | Airwallex Billing | Yes | 7.1 | |
| 25 | Stripe Invoicing | No | 7.0 | |
| 26 | PayPal Invoicing | Yes | 6.9 | |
| 27 | Square Online | Yes | 6.8 | |
| 28 | Razorpay e-Mandate | 6.7 | ||
| 29 | Payoneer Payer | 6.6 | ||
| 30 | GoCardless Bank Account Data | 6.2 |
Head-to-head All 19 comparisons →
- Adyen vs Rapyd
- Adyen vs Paysafe
- Adyen vs Paytm Payment Gateway
- Checkout.com vs Rapyd
- Checkout.com vs Paysafe
- Checkout.com vs Paytm Payment Gateway
- Braintree vs 2Checkout Hosted Checkout
- Braintree vs Rapyd
- Braintree vs Paysafe
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How we rank payment 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