Best PayFacto Alternatives in 2026
15 restaurant payment processing software our editors would look at instead of PayFacto, in our ranking order.
PayFacto: A broad restaurant payments stack with terminals, online checkout, APIs, and reconciliation data. Where it falls short: pricing requires a custom quote through sales.
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Best forRestaurants needing broad omnichannel payments
A broad restaurant payments platform with clear usage pricing and multi-channel support.
- Reconciliation tools
- Card-present payments
- Online payments
8.0/10★★★★☆Visit Paybyrd -
Adyen not yet scored
Best forGlobal, API-driven restaurant payment operations
A global, API-driven payment stack for complex restaurant payment operations.
—not yet scoredVisit Adyen -
Heartland Payments+ not yet scored
Best forEstablished restaurants wanting full payment coverage
A broad restaurant payment platform covering service, online ordering and reporting.
- Reconciliation tools
- Card-present payments
- Online payments
—not yet scoredVisit Heartland -
Olo Pay not yet scored
Best forRestaurant groups wanting unified payment operations
A unified payment platform for restaurant groups managing online, in-store, and tableside transactions.
- Reconciliation tools
- Card-present payments
- Online payments
—not yet scoredVisit Olo Pay -
Best forLarge restaurants with complex payment flows
A broad restaurant payment ecosystem for operators managing complex payment flows.
- Card-present payments
- Online payments
- Tableside payments
6.0/10★★★☆☆Visit NCR Voyix -
Best forRestaurants seeking free software with reporting
A free restaurant POS and payments option with reporting and a $55 paid tier.
- Reconciliation tools
- Card-present payments
- Online payments
9.0/10★★★★☆Visit SpotOn -
Best forRestaurants wanting payments plus a broad POS suite
Payments and POS with ordering, reservations, inventory, and multi-location tools.
3.0/10★★☆☆☆Visit Toast -
Best forMulti-location restaurants needing deep POS coverage
A broad restaurant POS for multi-location operators that need payments, ordering, and management tools.
3.8/10★★☆☆☆Visit Lightspeed -
Best forRestaurants using major POS ecosystems
A restaurant-focused payment stack for major POS ecosystems and omnichannel service.
- Reconciliation tools
- Card-present payments
- Online payments
7.0/10★★★★☆Visit Elavon -
Best forAustralian restaurants needing unified EFTPOS
Unified EFTPOS and online payments for Australian restaurants and venues.
- Reconciliation tools
- Card-present payments
- Online payments
7.0/10★★★★☆Visit Tyro -
Worldline Food Services Payments Suite not yet scored
Best forEnterprise restaurant and franchise payment teams
A broad payment suite for enterprise restaurant and franchise operations.
- Reconciliation tools
- Card-present payments
- Online payments
—not yet scoredVisit Worldline -
Best forSmall businesses needing low-cost broad payments
A broad payment platform with low monthly plans and strong online, in-person and API coverage.
3.6/10★★☆☆☆Visit Viva.com -
Best forRestaurants wanting payments bundled with operations
A paid restaurant platform bundling payment acceptance, POS hardware, and operations tools.
- Card-present payments
- Online payments
- Tableside payments
7.2/10★★★★☆Try Shift4 Payments -
Best forOracle Simphony restaurant operators
A strong fit for Simphony operators needing card, wallet, online, and pay-at-table payments.
- Reconciliation tools
- Card-present payments
- Online payments
6.8/10★★★☆☆Visit Oracle -
Best forRestaurants wanting flexible terminal and online payments
A broad payment stack for restaurants that need in-person and digital checkout options.
- Reconciliation tools
- Card-present payments
- Online payments
8.0/10★★★★☆Visit Dojo
PayFacto Alternatives: Common Questions
What is the best alternative to PayFacto?
Paybyrd: #1 in our Restaurant Payment Processing Software ranking, with an editor score of 8.0 out of 10. A broad restaurant payments platform with clear usage pricing and multi-channel support.
Is there a free alternative to PayFacto?
Yes. SpotOn Payment Processing and Dojo have a free plan or a free tier.
What is the cheapest paid alternative to PayFacto?
Of the alternatives here that publish a price, Shift4 Payments starts lowest, at $29.99/mo.
PayFacto vs Each Alternative
| # | Tool | Free plan | Paid from | Card-present payments | Online payments | Tableside payments | Reconciliation tools | Score |
|---|---|---|---|---|---|---|---|---|
| not scored | PayFacto | — | — | Yes | Yes | Yes | Yes | — |
| 1 | Paybyrd | No | — | Yes | Yes | Yes | Yes | 8.0 |
| not scored | Adyen | No | — | — | — | — | — | — |
| not scored | Heartland Payments+ | — | — | Yes | Yes | Yes | Yes | — |
| not scored | Olo Pay | — | — | Yes | Yes | Yes | Yes | — |
| 5 | NCR Voyix Payments | No | — | Yes | Yes | Yes | — | 6.0 |
| 6 | SpotOn Payment Processing | Yes | $55/mo | Yes | Yes | Yes | Yes | 9.0 |
| 7 | Toast | No | — | — | — | — | — | 3.0 |
| 8 | Lightspeed Restaurant | No | $69/mo | — | — | — | — | 3.8 |
| 9 | Elavon Restaurant Payments | No | — | Yes | Yes | Yes | Yes | 7.0 |
| 11 | Tyro Hospitality Payments | No | — | Yes | Yes | Yes | Yes | 7.0 |
| not scored | Worldline Food Services Payments Suite | — | — | Yes | Yes | — | Yes | — |
| 13 | Viva.com | No | — | — | — | — | — | 3.6 |
| 14 | Shift4 Payments | No | $29.99/mo | Yes | Yes | Yes | — | 7.2 |
| 15 | Oracle Payments Cloud Service | No | — | Yes | Yes | Yes | Yes | 6.8 |
| 16 | Dojo | Yes | — | Yes | Yes | Yes | Yes | 8.0 |
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026