Best Mobile Payment Processing Software in 2026
Updated
In short: PayPal Invoicing is ranked #1 of 25 as of 4 October 2026, ahead of PayAnywhere and Zeller. The best-ranked option with a free plan is PayAnywhere. The lowest first paid tier on this page is Stripe Terminal at $2.70/mo.
For taking payments on the go, compare how each service handles payment methods, Tap to Pay, offline payments, and whether a reader is required. Payout timing can matter for cash flow, while recurring-payment support may be useful for ongoing charges. The entries also show free-plan availability and paid-from pricing, giving you cost details to weigh alongside transaction features. PayPal Invoicing, PayAnywhere, and Zeller are among the options, with Helcim and Lopay also included. Match the listed payment and payout capabilities to the ways your business accepts payments and receives funds.
25 mobile payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
25ranked
8free plans on this page
$2.70/molowest paid tier
4 Oct 2026last checked
Input list Mobile Payment Processing Software 25 channels on this page · 125 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromReader requiredTap to PayOffline paymentsPayout timingPayment methodsRecurring payments Spec sheet Score
01 PayPal Invoicing Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsNoPayout timinginstantPayment methodscredit cards, debit cards, gift cards, contactless cards, digital wallets, PayPal, Venmo QR codesRecurring paymentsYes 7/8spec lines stated 7.5
02 PayAnywhere Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsYesPayout timingnext dayPayment methodsEMV chip cards, magstripe cards, contactless cards, debit cards, Apple Pay, Samsung Pay, and other digital walletsRecurring paymentsYes 7/8spec lines stated 7.4
03 Zeller Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsNoPayout timingnext dayPayment methodsVisa, Mastercard, American Express, eftpos, JCB, UnionPay, Apple Pay, Google PayRecurring paymentsnot stated 6/8spec lines stated 7.4
04 Helcim Free planNoPaid fromnot statedReader requirednot statedTap to Paynot statedOffline paymentsnot statedPayout timingnot statedPayment methodsVisa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cardsRecurring paymentsnot stated 2/8spec lines stated 7.3
05 Lopay Free planNoPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsnot statedPayout timinginstantPayment methodscards, contactless, Apple Pay, Google Pay, payment links, subscription links, QR codes and cashRecurring paymentsYes 6/8spec lines stated 7.3
06 SwipeSimple Free plannot statedPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsYesPayout timingnext dayPayment methodsVisa, Mastercard, American Express, Discover, ACH, Apple Pay, Google Pay, other contactless digital walletsRecurring paymentsYes 6/8spec lines stated 7.3
07 Clover Go Free plannot statedPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsYesPayout timinginstantPayment methodsmajor credit and debit cards, chip cards, contactless cards, Apple Pay, Google Pay, Samsung Pay, cash, checksRecurring paymentsYes 6/8spec lines stated 7.2
08 QuickBooks GoPayment Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsnot statedPayout timingnext dayPayment methodscredit cards, debit cards, Apple Pay, Google Pay, Samsung Pay, cash, checks, ACH bank transfersRecurring paymentsYes 6/8spec lines stated 7.0
09 SumUp Invoices Free planYesPaid from$49/moReader requirednot statedTap to Paynot statedOffline paymentsnot statedPayout timingnot statedPayment methodsnot statedRecurring paymentsnot stated 2/8spec lines stated 7.0
10 MobilePayments Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsYesPayout timingnext dayPayment methodschip and PIN, contactless debit and credit cards, Apple Pay, Google Pay, other digital walletsRecurring paymentsnot stated 6/8spec lines stated 6.8
11 Stripe Terminal Free planNoPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsYesPayout timinginstantPayment methodscredit cards, debit cards, contactless cards, digital walletsRecurring paymentsYes 7/8spec lines stated 6.8
12 myPOS Glass Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsnot statedPayout timinginstantPayment methodsVisa, Mastercard, American Express, Apple Pay, Google Pay, Bancontact, JCB, QR-code paymentsRecurring paymentsnot stated 5/8spec lines stated 6.7
13 Enterprise! Free planNoPaid fromnot statedReader requiredYesTap to PayNoOffline paymentsnot statedPayout timingstandardPayment methodsVisa, Mastercard, Discover, American Express; swipe, dip, tap and manual card entryRecurring paymentsnot stated 5/8spec lines stated 6.2
14 Bank of America Mobile Point of Sale Free plannot statedPaid fromnot statedReader requiredYesTap to PayNoOffline paymentsYesPayout timingnot statedPayment methodscredit cards, signature debit, cash and check recording; magnetic stripe, EMV and contactless Visa/MastercardRecurring paymentsYes 5/8spec lines stated 6.1
15 Grafterr GO! Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsNoPayout timingnext dayPayment methodsVisa, Mastercard, Maestro, American Express, Google Pay, Apple Pay, cash, card reader, Tap to Pay, Pay by LinkRecurring paymentsnot stated 6/8spec lines stated 6.1
16 Paid for Stripe Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsYesPayout timinginstantPayment methodscontactless debit and credit cards, Apple Pay, Google Pay, digital wallets, payment links, QR codesRecurring paymentsYes 7/8spec lines stated 6.1
17 Apex Reader Free plannot statedPaid fromnot statedReader requiredYesTap to PayNoOffline paymentsnot statedPayout timingnext dayPayment methodsContactless NFC, EMV chip, magstripe swipe, Apple Pay, Google PayRecurring paymentsnot stated 4/8spec lines stated 6.0
18 Tyro BYO App Free planNoPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsNoPayout timingnext dayPayment methodsMastercard, Visa, eftpos, American Express, Apple Pay, Google Pay, Samsung PayRecurring paymentsnot stated 6/8spec lines stated 6.0
19 Beacon Payments Mobile Payments Free plannot statedPaid fromnot statedReader requirednot statedTap to PayYesOffline paymentsnot statedPayout timingnext dayPayment methodscredit cards, debit cards, contactless EMV, Apple Pay, Google Pay, mobile-invoiced paymentsRecurring paymentsYes 4/8spec lines stated 5.9
20 Moneris PAYD Free planNoPaid fromnot statedReader requiredYesTap to PayNoOffline paymentsnot statedPayout timingnext dayPayment methodsCredit cards, Interac Debit, Moneris Gift Cards, cash, cheques, store credit, split tenderRecurring paymentsnot stated 5/8spec lines stated 5.9
21 BELKART PAY Free planYesPaid fromnot statedReader requiredNoTap to PayNoOffline paymentsYesPayout timingnot statedPayment methodsBELKART contactless payment cardsRecurring paymentsnot stated 5/8spec lines stated 5.8
22 Paymi Free planYesPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsnot statedPayout timingnot statedPayment methodsmajor debit and credit cards, Apple Pay, Google PayRecurring paymentsnot stated 4/8spec lines stated 5.8
23 Viva.com Free planNoPaid fromnot statedReader requirednot statedTap to Paynot statedOffline paymentsnot statedPayout timingnot statedPayment methodsCards, digital wallets, local payment methods, direct debit and other payment methodsRecurring paymentsYes 3/8spec lines stated 5.7
24 NAB Easy Tap Free planNoPaid fromnot statedReader requiredNoTap to PayYesOffline paymentsNoPayout timingnot statedPayment methodsVisa, Mastercard, eftpos, Apple Pay, Google Wallet, Samsung PayRecurring paymentsnot stated 5/8spec lines stated 5.6
25 Worldline Food Services Payments Suite Free plannot statedPaid fromnot statedReader requirednot statedTap to Paynot statedOffline paymentsnot statedPayout timingnot statedPayment methodsnot statedRecurring paymentsnot stated 0/8spec lines stated 5.2
Is your tool on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which mobile payment processing software is ranked first on Specifiction?
PayPal Invoicing is ranked #1 of 25 with a score of 7.5. PayAnywhere is second and Zeller third.
How many of these have a free plan?
8 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Stripe Terminal has the lowest first paid tier we found: $2.70/mo.
How is this list ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing. Paid placements never change a rank.
More in Finance & Accounting
All finance & accounting listsPersonal Finance Software 181Personal Tax Software 123Tax Compliance Software 108Accounts Payable Software 97Financial Planning & Analysis Software 89Scenario Planning Software 85Invoicing software 84Money Transfer Apps 81Portfolio Management Software 81Bookkeeping Software 76Bank Connectivity Software 70Fund Accounting Software 69