The Best Payment Processing Software

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Stripe Screenshot

Stripe

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Stripe is an online payment processing software platform for Internet businesses. Ecommerce stores, software as a service (SaaS) developers, non-profits, and other types of companies use Stripe to collect and process payments for online retail purchases, subscriptions, donations, and more. Video Overview ; Features by Product Stripe Payments ;; Stripe Terminal ;; Stripe Radar ;; Stripe Billing ;; Stripe Issuing ;; and Stripe Corporate Card (US Invite Only) ;. ; Target Markets ; and Pricing .
Client OS
Web
Deployment
Cloud Hosted
PaySimple Screenshot

PaySimple

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PaySimple is an all-in-one solution that helps businesses manage billing, payment processing, and customer information. Online, in-person, and mobile payment solutions are available. The mobile app allows you to collect payments on the go. Video Overview ; Features Payment Processing ;; Billing ;; and Customer Management ;. ; and Pricing . Video Overview ; Features Payment Processing ;; Billing ;; and Customer Management ;. ; and Pricing . Payment Processing ;; Billing ;; and Customer Management
Price Range
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Starting Price
$55/month
Client OS
Windows
Deployment
Cloud Hosted
ePay Advantage Screenshot

ePay Advantage

ePay Advantage offers the latest online payment technology for enterprises that want to provide their customers with the convenience of online billing and payment collection. ePay integrates with Microsoft Dynamics GP to automate cash receipt entry and provide real-time payment processing. It can also be easily integrated with your e-commerce website or eStore Solution Stack. Electronic Payment Processing - Autocreate Microsoft Dynamics GP cash receipts and process real time payments applied to
Client OS
Web
Deployment
Cloud Hosted
Dex Screenshot

Dex

Dex is a payment processing software from Forte Payment Systems. Small businesses to large enterprises use Dex to handle customer needs, change payment methods, cancel payments and grant refunds, and more. Real-time reporting tools are available to give you better insights into sales performance, customer behavior, and industry trends. Transaction Overview; Funding Overview; Customer Management; Dispute Management; Schedule Management; Locations Management; Merchant Application; and Reporting
Client OS
Web
Deployment
Cloud Hosted
Worldpay Screenshot

Worldpay

Worldpay gives businesses a PCI DSS compliant online payment processing solution. This SaaS based solution allows you to pay as you go or pay in monthly installments. WorldPay accepts multiple payment options including Apple Pay, credit cards, and debit cards. PCI Compliance; Real-Time Dashboards; Fast Payouts; Recurring Billing; Fraud Prevention; and Multi-Currency Support. Worldpay offers two different ways to pay: Pay as you go : 2.75% + $0.26 per credit and debit card payment.; and Pay
Price Range
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Starting Price
$25.60/month
Client OS
Web
Deployment
Cloud Hosted
PayConex Screenshot

PayConex

PayConex is a payment gateway system developed by Bluefin Payment Systems for US and Canadian payment processing. The payment gateway is backed by security features from ShieldConex. These security features provide PCI validated P2PE, tokenization, and more. Bluefin also offers PayConex Plus for international payment processing, as well as PayConex for Salesforce. POS, Call Center, and Ecommerce Processing; Credit, Debit, ACH, and E-Check Processing; Recurring Payments; Online Virtual Terminal
Price Range
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Starting Price
$9.95/month
Client OS
Web
Deployment
Cloud Hosted
Square Screenshot

Square

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Square provides online businesses and brick and mortar stores with a payment processing and POS system. The Square card readers allow you to swipe credit cards on the go. Square allows you to set up merchant services, accept payments, complete online transactions, and more from one powerful system. [[toc]] @youtube Accept Card Payments Online or In Person; Invoicing; and Remote Credit Card Payments. Process Payments; Manage Refunds; Track Inventory; Customize Reports; and Manage Customers.
Client OS
Web
Deployment
Cloud Hosted
PayKickstart Screenshot

PayKickstart

Best-in-class subscription billing and affiliate management without the technical hurdles. Boost your sales, retain more customers, and increase recurring revenue with advanced out-of-the-box tools like customizable checkout options, dunning management, cart recovery, conversion tools and so much more. @youtube Accepting Payment; Subscription Billing; Checkout Experience; Affiliate Management; and Conversion and Retention Tools. SaaS/software businesses; Membership site owners; Online course
Price Range
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Starting Price
$99/month
Client OS
iOS, Android, Web
Deployment
Cloud Hosted
Pomodo Screenshot
Pomodo software is a cloud-based business solution that enhances control over inventory, sales channels, and workflows, integrating point of sale, e-commerce, and multi-level inventory management in one platform.
Price Range
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Starting Price
$99/month
Client OS
Windows, Web
Deployment
Cloud Hosted
InfoFlo Pay Screenshot
InfoFlo Pay is an invoicing and billing software with built-in CRM tools, a convenient client portal, and easy estimate creation. It features a modular design, enabling users to add or remove modules as needed. InfoFlo Pay allows extensive customization, including a form editor and personalized email functions.
Price Range
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Starting Price
$30/user/month
Client OS
Web
Deployment
Cloud Hosted
AvidXchange Screenshot

AvidXchange

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AvidXchange is an accounts payable software for midsize companies. It streamlines invoice management and payment processing. AvidXchange integrates with various accounting systems like QuickBooks to enhance efficiency and accuracy in financial operations. The platform’s ability to handle a large volume of transactions and provide detailed tracking and reporting features ensures businesses can maintain control over their financial workflows.
Price Range
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Starting Price
$20/month
Client OS
Web
Deployment
Cloud Hosted
Lightspeed POS Screenshot

Lightspeed POS

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Lightspeed POS, formerly ShopKeep by Lightspeed, is a cloud-based point of sale system tailored for retail, rental, and service-based businesses. Main capabilities include tracking margins, taxes, and discounts on products, as well as vendor management and order management. Its CRM functionalities enable businesses to build detailed customer profiles, track sales history, and implement loyalty programs. As part of Lightspeed, this POS has more resources and the ability to accelerate product innovation.
Price Range
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Starting Price
$69/month
Client OS
Web
Deployment
Cloud Hosted
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Chargebee Screenshot

Chargebee

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Chargebee is a subscription billing and management platform for startups and small businesses to large enterprises. Process one-time purchases or setup recurring invoices. Manage subscriptions, create upsell opportunities, and keep customers engaged. @youtube Subscription Lifecycle Management; Trial Management; Segmented Email Notifications; Subscription Order Management; Discounts and Coupons; and Gift Subscriptions. Custom Billing Cycles; Prorated Payments; Automated Recurring Invoices;
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Starting Price
$299/month
Client OS
Web
Deployment
Cloud Hosted
EIPP Cloud Screenshot

EIPP Cloud

HighRadius Electronic Invoice Presentment and Payment (EIPP) Cloud provides tools that automate and speed up invoice communication and facilitate a faster collection of payments, enabling a closer and more convenient relationship with customers. A cloud-based solution available as Software-as-a-Service, EIPP cloud is easy and cost-effective to deploy and maintain. HighRadius EIPP Cloud automates the invoice transmission and payment collection. The system provides a configurable solution that
Client OS
Web
Deployment
Cloud Hosted
Tipalti Screenshot

Tipalti

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Tipalti is an accounts payable software that manages complex payment setups, supporting multiple currencies and international tax compliance. The platform streamlines invoice recording, approval workflows, and global payment processes. Its OCR (Optical Character Recognition) capability and automated invoice processing reduce the risk of errors. Tipalti automates and speeds up the accounts payable and closing processes.
Price Range
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Starting Price
$149/month
Client OS
iOS, Android, Web
Deployment
Cloud Hosted
uAccept Screenshot

uAccept

From credit card terminal to POS systems, uAccept powers the devices you use to accept electronic payments in face-to-face transactions. Integrated with leading restaurant POS systems or used with stand-alone terminals, uAccept delivers all the processing features any restaurateur requires. Growing your sales online can be easy and inexpensive with uAccept’s suite of online ecommerce tools, including a robust and reliable free payment gateway. The future of payment processing is the ability to
Client OS
Web
Deployment
Cloud Hosted
NCR CounterPoint Screenshot

NCR CounterPoint

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NCR CounterPoint is a retail management system designed to seamlessly integrate business operations and customer interactions. Its mobile POS system enhances customer shopping experiences by allowing businesses to process transactions and check inventory on-the-go. The software includes an email marketing platform, enabling personalized customer engagement. With real-time inventory management, it ensures efficient handling of stock. The system’s alert feature keeps owners updated on store activities, ensuring smooth operations across multiple locations.
Price Range
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Client OS
Windows
Deployment
Cloud or On-Premises
Revel Systems Screenshot

Revel Systems

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Revel Systems offers a wide range of POS features, including real-time inventory tracking, comprehensive sales reports, customer relationship management, and employee management tools. Other top features include an offline mode and multi-location management. It integrates with third-party solutions, such as with QuickBooks, and provides various payment options and loyalty programs.
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Client OS
macOS
TreezPay Screenshot

TreezPay

TreezPay is the leading digital payments solution for cannabis retailers. This fully integrated debit system by Treez software allows you to grow your revenue in-store, by delivery, and online. As the cannabis industry continues to mature, so do the expectations of consumers. Deliver secure, convenient, integrated cashless payment solutions that increase revenue and elevate your customer experience. Seamlessly integrate with SellTreez , offer new payment options, and support your omni-channel
Client OS
Web
Deployment
Cloud Hosted
Online Check Writer Screenshot

Online Check Writer

The Zil Enterprise Client Software is a one-time (all-in-one) solution that is fully customizable for a variety of payment channels, whether payable or receivable, in today’s world. This enterprise solution is more similar to Microsoft or NetSuite. A complete AR/AP solution with multiple integration tools for accounting and bank account management. Developed specifically for each Enterprise customer and sold as their back-end platform. For large companies, Zil can provide their own private label
Client OS
iOS, Android, Web
Deployment
Cloud or On-Premises

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Buyer’s Guide

What is Payment Processing Software?

Payment processing software makes it easy for business owners to set up a merchant account and accept a variety of payment methods from their customers. Ecommerce businesses use payment software to process orders directly from their websites. Most online payment systems have currency conversion features for accepting global payments. The software can also check if customers abandoned items in their shopping cart and send out automatic email notifications to improve your conversion rates. Physical stores also use software to accept EMV chip cards and cash and check payments.

Advanced software can also accept payments from your customer’s mobile device through an app like Apple Pay and Google Pay depending on if the customer uses an Android or iPhone. Some advanced systems also take payments from cryptocurrencies.

Payment processing is a big part of point-of-sale software (POS software). The POS systems also have features like customer loyalty programs, promotion management, age verification, and item lookup. Most POS vendors also sell hardware that is necessary for processing payments like card readers and terminals.

Features of Payment Processing Software

Feature Description
Online Payment Processing Accept one-time and recurring payments through a virtual terminal. Most payment processors will accept payments from major credit cards and debit cards like MasterCard and Visa, as well as ACH bank account transfers, e-checks, and payment service providers like PayPal.
Billing and Invoicing Set up one-time and recurring billing and invoicing for products or services rendered.
Returns and Discrepancy Management Refund payments made from product or service issues, chargebacks, or payment discrepancies.
Sales Performance Reporting Track transactions, returns, and overall sales performance.
Tokenization Protects credit card data used during digital payments.

Benefits of Payment Processing Software

Some benefits of payment processing software include:

Process Payments Anywhere

Payment processing software not only lets customers pay for goods through your eCommerce store, but also allows you to accept payments on the go. Some software systems can be used with mobile card readers that allow you to swipe credit cards or accept payments from a mobile app like Apple Pay or Google Pay. This allows you to accept customer payments in the field and while you’re away from your physical store.

POS screen in uAccept
POS screen in uAccept.

Automate Billing and Invoicing

Payment processing software streamlines billing and invoices. The system sends out bills and invoices for products and services rendered. Customizable templates are usually part of the software that allows you to include your company logo, contact information, product or service description, prices, and due dates. Payment reminders are also automated, ensuring you’re getting paid on time. If payments are late, the system will add applicable late fees.

Payment plans and recurring subscriptions are also billed and processed with online payment software. Customers can have payments automatically withdrawn via bank account transfers or credit card payments. Some payment processing systems may charge extra transaction fees for different payment methods.

Subscriptions management in Stripe
Subscriptions management in Stripe payment processing solution.

Pay Vendors Electronically

There are a few different ways to make payments electronically. Some smaller businesses rely on their financial institution’s online bill pay system to set up payment transactions. With this method, you can plan one-time or automatic payments. This bill pay system relies on the financial institution to process the payment electronically or to send a check on your behalf. Triggering individual payments through your bank is a step in the right direction. It offers an automation benefit in terms of reducing the time it takes to pay your vendor. It also helps create cost savings related to reducing or eliminating check writing costs.

Arranging bank draws with vendors takes the automation a step further, but surrenders a measure of control. With this approach, you provide your business account number to the vendor. Through an EFT (electronic funds transfer) transaction they draw the specified dollar amount from your account on the agreed upon date. ACH (Automatic Clearing House) is a specific kind of EFT that utilizes the Automatic Clearing House network of financial institutions and EFT standards.

More and more accounting solutions are getting on board with electronic transactions. Software based systems offer the strongest level of control. They also help you streamline your bookkeeping processes and improve your ability to accurately understand your real time financial position. Some of the more sophisticated systems even allow you to scan in an invoice from your vendor, route that invoice to the appropriate manager for approval, and then pay that invoice from your accounting software through the click of a button.

Is It for Our Company?

There are electronic payment processing software options for all companies of all sizes. There are even options for companies that are looking to leverage different existing technologies. So, which one is right for you? Let our team gather a bit more information and save you some time by searching for the best electronic payments processing options for your particular business needs. Get started today!