Best SwipeSimple Alternatives in 2026
The top SwipeSimple alternatives are Authorize.net, EBizCharge Virtual Terminal and CoreGateway Virtual Terminal: 15 virtual terminal software our editors would look at instead of SwipeSimple, in our ranking order.
SwipeSimple: A flexible virtual terminal with mobile payments, invoices, ACH, and recurring billing. Where it falls short: processing rates and fees vary by the merchant-service provider.
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Best forEstablished businesses needing a full virtual terminal
A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.
- Recurring payments
8.9/10★★★★☆Visit Authorize.net -
Best forBusinesses needing invoicing and accounting workflows
A browser-based payment terminal with invoicing, recurring billing, and accounting integrations.
- Invoices
- Customer records
- Refunds
8.2/10★★★★☆Visit EBizCharge -
Best forTeams needing controls and payment flexibility
A flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.
- Invoices
- Customer records
- Refunds
8.1/10★★★★☆Visit CoreGateway -
Best forBusinesses needing reporting and workflow integrations
A reporting-focused payment portal with recurring billing, invoices, and broad workflow integrations.
- Invoices
- Customer records
- Refunds
7.8/10★★★★☆Visit PayJunction -
Best forBusinesses wanting broad omnichannel payments
A broad payment platform combining virtual terminals with online, in-person and bank payments.
7.1/10★★★★☆Visit Helcim -
Best forComplex merchants needing broad payment infrastructure
Broad payment infrastructure for complex merchants, with contact-sales pricing.
- Recurring payments
6.9/10★★★☆☆Visit NMI -
Best forInternational and marketplace payment operations
A broad payment platform for international, recurring, and marketplace operations.
- Recurring payments
6.8/10★★★☆☆Visit Cybersource -
Best forBudget-conscious card-only phone-order processing
A low-cost virtual terminal for card-only phone, mail, and recurring payments.
- Customer records
- Refunds
- Recurring payments
6.8/10★★★☆☆Visit Chase Orbital -
Best forSmall businesses needing browser and mobile access
A practical virtual terminal for remote payments, with pricing and integrations requiring closer review.
- Invoices
- Customer records
- Refunds
6.6/10★★★☆☆Visit Payline -
Best forGlobal omnichannel merchants and developers
A broad payment stack for merchants and developers, with paid pricing and a checkout-led Ecommerce plan.
- Recurring payments
6.3/10★★★☆☆Try Global Payments -
Best forMerchants needing reconciliation and batch controls
A Moneris-focused virtual terminal with strong reconciliation and batch controls.
- Customer records
- Refunds
- Recurring payments
6.3/10★★★☆☆Visit Moneris -
Best forBusinesses prioritizing integrations and customer records
A flexible payment terminal for businesses that value integrations and customer records.
- Invoices
- Customer records
- Recurring payments
6.3/10★★★☆☆Visit Redde -
Best forOmnichannel merchants needing terminal and online payments
A broad payment platform for merchants that need virtual terminal and omnichannel capabilities.
6.0/10★★★☆☆Visit Heartland -
Best forBusinesses wanting broad payment-method coverage
Broad payment coverage with APIs, hosted checkout, links, invoicing, and marketplace support.
- Recurring payments
6.0/10★★★☆☆Visit PayPal -
Best forLow-cost, simple MOTO payment collection
A simple, low-cost option for manual MOTO card payments across web and mobile.
- Invoices
- Customer records
- Refunds
6.0/10★★★☆☆Visit myPOS
SwipeSimple Alternatives: Common Questions
What is the best alternative to SwipeSimple?
Authorize.net: #1 in our Virtual Terminal Software ranking, with an editor score of 8.9 out of 10. A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.
Is there a free alternative to SwipeSimple?
Yes. PayPal Payments and myPOS Virtual Terminal MO/TO have a free plan or a free tier.
What is the cheapest paid alternative to SwipeSimple?
Of the alternatives here that publish a price, Chase Orbital Virtual Terminal starts lowest, at $9.95/mo.
SwipeSimple vs Each Alternative
| # | Tool | Free plan | Paid from | Payment methods | Recurring payments | Refunds | Invoices | Score |
|---|---|---|---|---|---|---|---|---|
| 16 | SwipeSimple | — | — | — | Yes | — | — | 5.9 |
| 1 | Authorize.net | No | $25/mo | — | Yes | — | — | 8.9 |
| 2 | EBizCharge Virtual Terminal | No | — | Cards and bank payments | Yes | Yes | Yes | 8.2 |
| 3 | CoreGateway Virtual Terminal | No | — | Cards and bank payments | Yes | Yes | Yes | 8.1 |
| 4 | PayJunction Virtual Terminal | No | — | Cards and bank payments | Yes | Yes | Yes | 7.8 |
| 5 | Helcim | No | — | — | — | — | — | 7.1 |
| 6 | NMI | — | — | — | Yes | — | — | 6.9 |
| 7 | Cybersource | — | — | — | Yes | — | — | 6.8 |
| 8 | Chase Orbital Virtual Terminal | No | $9.95/mo | Cards only | Yes | Yes | — | 6.8 |
| 9 | Payline Virtual Terminal | No | — | Cards and bank payments | Yes | Yes | Yes | 6.6 |
| 10 | Global Payments | No | — | — | Yes | — | — | 6.3 |
| 11 | Moneris Merchant Resource Center | — | — | — | Yes | Yes | — | 6.3 |
| 12 | Redde Virtual Terminal | No | — | Cards and bank payments | Yes | — | Yes | 6.3 |
| 13 | Heartland Payments+ | — | — | — | — | — | — | 6.0 |
| 14 | PayPal Payments | Yes | — | — | Yes | — | — | 6.0 |
| 15 | myPOS Virtual Terminal MO/TO | Yes | — | Cards only | — | Yes | Yes | 6.0 |
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update