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Finance & Accounting

Best Payment Processing Software in 2026

Payment processing software covers the tools used to accept payments and manage billing. Compare payment methods, payment links, and in-person payments to see how customers can pay, and check recurring billing if repeat charges are part of your needs.

  1. 01 BitPay

    It suits businesses seeking to accept cryptocurrency through online, in-store, or email billing channels, and developers who want API or SDK integration.

    From $1.53/mo Free plan Open source Web · Windows · macOS · Linux
    9.5 Visit Specs
  2. 02 Airwallex Payments

    It suits eCommerce stores, subscription businesses, online marketplaces, and platforms that need payment acceptance and fund management.

    From $12/mo Free plan Web · iOS · Android · API
    9.4 Visit Specs
  3. 03 Helcim

    Helcim suits businesses seeking in-person and online payment processing, invoicing, or recurring billing.

    From $0.40/mo Free plan Web · Windows · macOS · iOS
    9.2 Visit Specs
  4. 04 Kill Bill

    Kill Bill may suit online businesses or teams that need a programmable billing platform and control over a self-hosted deployment.

    From $9,999/mo Free plan Open source Web · Windows · macOS · Linux
    9.2 Visit Specs
  5. 05 Midtrans

    Midtrans suits businesses that need to accept several payment types through websites, apps, or custom integrations.

    Free plan Web · iOS · Android · API
    9.0 Visit Specs
  6. 06 Mollie

    Mollie suits businesses in Europe and the UK, including ecommerce, franchises, marketplaces, and SaaS businesses.

    From €9/mo Free plan Web · iOS · Android · API
    9.0 Visit Specs
  7. 07 Adyen

    Adyen is aimed at global businesses handling enterprise payment volume.

    Web · iOS · Android · API
    8.9 Visit Specs
  8. 08 Checkout.com

    Checkout.com is aimed at businesses that need to accept payments and disburse funds across markets or through varied payment channels.

    Free plan Web · iOS · Android · API
    8.9 Visit Specs
  9. 09 InstaPayments
    From $25/mo Free trial Web · iOS · Android · API
    8.9 Visit Specs
  10. 10 FastSpring
    Free plan Web · iOS · Android · API
    8.8 Visit Specs
  11. 11 Paystack

    It suits businesses operating in or serving Africa, from startups and entrepreneurs to large corporations and global brands.

    From 1 NGN/mo Free plan Web · iOS · Android · API
    8.8 Visit Specs
  12. 12 PayFacile
    From €24/mo Free plan Web · API
    8.7 Visit Specs
  13. 13 PaySimple
    From $49.95/mo Free trial Web · iOS · Android · API
    8.7 Visit Specs
  14. 14 Viva.com

    It suits businesses needing payment acceptance across physical, online, remote or marketplace channels.

    From £3.99/mo Free plan Web · iOS · Android · API
    8.6 Visit Specs
  15. 15 Checkout Page

    Checkout Page suits solo founders and small teams selling products, services, subscriptions or event tickets.

    From $24.17/mo Free plan Web · iOS · API
    8.4 Visit Specs
  16. 16 GoCardless Bank Account Data

    It suits businesses that need consent-based access to bank account identity, balances and transaction history.

    Free plan Web · API
    8.4 Visit Specs
  17. 17 Global Payments
    Web · iOS · Android · API
    8.3 Visit Specs
  18. 18 Privacy.com

    Privacy.com suits eligible US adults who want virtual cards with merchant restrictions, spending limits, or one-time use.

    From $5/mo Free plan Web · iOS · Android · API
    8.3 Visit Specs
  19. 19 doxo
    From $5.99/mo Free plan Web · iOS · Android
    8.2 Visit Specs
  20. 20 Kakao Pay
    Free plan iOS · Android · API
    8.2 Visit Specs
  21. 21 2C2P
    Web · iOS · Android · API
    8.0 Visit Specs
  22. 22 Braintree ACH Direct Debit

    It suits eligible merchants accepting payments from US bank accounts who can implement the required custom client-side integration.

    From $0.75/mo Web · iOS · Android · API
    8.0 Visit Specs
  23. 23 CashNotify

    CashNotify suits desktop users who want payment notifications and revenue estimates across Stripe or PayPal accounts.

    Free plan Windows · macOS
    8.0 Visit Specs
  24. 24 Paycycle

    Paycycle suits South African businesses and accounting practices using Xero, including businesses managing recurring customer billing.

    From 285 ZAR/mo Free plan Web
    8.0 Visit Specs
  25. 25 Paymattic
    From $7.92/mo Free plan Web · Self-hosted
    7.9 Visit Specs
How this list is ordered. Specifiction scores each tool on how fully its maker documents it, whether its prices are published, where the research puts it, the platforms it runs on and whether it can be tried for free (how we rank). Makers can also buy a numbered place (how Specifiction is paid for).

Multi-currency support and payout schedules provide further points to weigh. Kill Bill, Helcim, and Mollie are among the options to compare across these features. Free-plan availability and paid-from pricing add cost context. Consider which payment types, billing patterns, and payout timing matter for your operation when assessing the listed capabilities.

Compare BitPay and Airwallex Payments Get a place on this list

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