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Best Payment Software in 2026

Payment software helps businesses accept and manage online transactions through web pages, APIs, mobile apps, or browser extensions. This list is for people choosing a payment tool on a budget.

  1. 1

    Airwallex Billing

    Free plan AndroidAPIiPhone+1

    Airwallex Billing covers several billing models and automates parts of invoicing, tax and payment recovery.

    7.6 Free plan · paid from $12/user/mo Visit site
  2. 2

    Checkout.com

    Free plan AndroidAPIiPhone+1

    Checkout.com combines multiple payment methods, integration options, and fraud tools for businesses. Pricing is tailored, so interested organizations will need to request details.

    7.5 Pricing on request Visit site
  3. 3

    Mollie

    Free plan AndroidAPIiPhone+1

    Mollie combines payment acceptance with business money-management products and developer integrations. Review transaction charges, terminal costs, and business-use eligibility for the intended setup.

    7.3 From €0/mo Visit site
  4. 4

    Payoneer Payer

    Free plan AndroidiPhoneWeb

    Payoneer Payer covers one-time, scheduled, and batch contractor payments, with dashboard tracking and accounting integrations.

    7.1 Visit site
  5. 5

    PayPal Invoicing

    by PayPal Invoicing
    Free plan WebiPhoneAndroid

    PayPal Invoicing combines customizable invoices with tracking, recurring templates, reminders, and several sharing options.

    7.0 Free plan Visit site
  6. 6

    Square Online

    by Square Online
    Free plan Web
    6.5 Free plan · 30-day trial Visit site
  7. 7

    IXOPAY

    Free trial AndroidAPIiPhone+1

    IXOPAY brings payment connections, routing, tokenization, and reconciliation into one platform.

    6.2 Pricing on request Visit site
  8. 8

    Adyen

    Paid AndroidAPIExtension+2

    Adyen offers a broad online payments platform with API checkout options and support for recurring and marketplace payments.

    6.1 From $0.13 Visit site
  9. 9

    Authorize.net

    Paid AndroidAPIiPhone+1

    Authorize.net supports several payment channels and recurring billing, with fraud tools and merchant support.

    6.0 From $25/mo Visit site
  10. 10

    BlueSnap

    Paid AndroidAPIiPhone+1

    BlueSnap offers hosted and API-based payment collection with broad payment-method, currency, and integration coverage. Its portal and sandbox add operational and development tools for merchants.

    6.0 Visit site
  11. 11

    Cybersource

    Paid AndroidAPIiPhone+1

    Cybersource offers broad payment method and checkout coverage, along with developer tools and fraud services.

    5.9 Pricing on request Visit site
  12. 12

    2Checkout Hosted Checkout

    Paid APIWeb

    2Checkout offers several checkout integration routes and payment methods, with a subscription-focused plan among its options.

    5.8 Visit site
  13. 13

    Global Payments

    Paid AndroidAPIExtension+2

    Global Payments offers multiple ways to connect checkout and manage payments across channels, with a broad set of payment methods and currencies.

    5.8 Visit site
  14. 14

    APEXX Global

    Paid APIWeb

    Choose APEXX if your enterprise needs payment orchestration across multiple providers, with routing, cascading retries, and consolidated reporting.

    5.7 Pricing on request Visit site
  15. 15

    Gr4vy

    Paid AndroidAPIiPhone+1

    Gr4vy combines payment connections, configurable workflows, and personalized checkout for merchants and platforms. Pricing is on request, and teams can use a sandbox but not a live demo.

    5.7 Pricing on request Visit site
  16. 16

    Paysafe

    Paid AndroidAPIiPhone+1

    Paysafe combines API, embedded checkout, and commerce integrations with a broad set of listed payment methods.

    5.6 Pricing on request Visit site
  17. 17

    dLocal

    Paid APIWeb

    dLocal covers collections, payouts, and fund splitting across a broad set of emerging markets and payment methods.

    5.5 Pricing on request Visit site
  18. 18

    GoCardless Bank Account Data

    Paid APIWeb

    Choose GoCardless Bank Account Data when a business needs bank account and transaction information through a consent-based API.

    5.5 Pricing on request Visit site
  19. 19

    Paytm Payment Gateway

    by Paytm Payment Gateway
    Paid AndroidAPIiPhone+1

    Paytm Payment Gateway offers broad payment-method coverage, integration choices, settlement controls, and merchant reporting.

    5.5 Visit site
  20. 20

    Primer

    Paid AndroidAPIiPhone+1

    Primer brings checkout, payment performance tools, and payment operations into one cloud platform. Businesses should note that pricing is tailored and its integrations directory may be incomplete.

    5.5 Pricing on request Visit site
  21. 21

    Rapyd

    Paid AndroidAPIiPhone+1

    Rapyd brings payment acceptance, payouts, and card issuing under one platform, with pricing and some availability details requiring further discussion.

    5.5 Pricing on request Visit site
  22. 22

    Elavon Restaurant Payments

    Paid Web

    Elavon combines restaurant payment acceptance with POS, ordering, and operational tools. Compare the listed transaction charges and confirm the POS and hardware fit your restaurant's needs.

    5.4 Visit site
  23. 23

    Cashfree Payments

    Paid AndroidiPhoneWeb

    Cashfree Payments offers a wide selection of payment methods with recurring, linked, in-person, and multi-currency payment options.

    5.2 Visit site
  24. 24

    Worldpay 360 Hospitality

    Paid AndroidiPhoneWeb

    Worldpay 360 Hospitality combines POS operations, table payments, reporting and stock tracking for UK hospitality businesses.

    5.2 Pricing on request Visit site
  25. 25

    Razorpay e-Mandate

    Paid AndroidAPIiPhone+1

    Razorpay e-Mandate combines recurring debit authorization with subscription-management tools and integrations. Check participating-bank availability and the paid pricing model against your needs.

    5.1 Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

Compare free-plan terms, trial limits, paid starting prices, payment methods, transaction fees, recurring billing, payout schedules, supported currencies, and supported platforms. If you need to read or change code, check the licence; also confirm how a free plan or trial ends.

Questions

Do payment tools on this list have free plans?

A free plan is offered by items on this list. Check the specific plan’s limits, included features, and paid charges before relying on it.

Are free trials available?

A free trial is offered by items on this list. Review its duration, requirements, and terms for moving to a paid plan.

Which platforms do these payment tools support?

Platforms represented here include web, API, Android, iOS, and browser extensions. Check the platform details for the tool you are considering.

What costs should I compare?

Compare free-plan terms, paid starting prices, payment methods, transaction fees, recurring billing costs, and payout schedules.

Why do supported currencies matter?

Supported currencies determine whether a tool can handle the currencies your customers use. Confirm coverage before choosing a payment service.

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