Best Payment Processing Software in 2026
Updated
In short: Kill Bill is ranked #1 of 68 as of 4 October 2026, ahead of Checkout Page and Helcim. The best-ranked option with a free plan is Checkout Page. The lowest first paid tier on this page is Stripe Terminal at $2.70/mo.
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. 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.
68 payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
68ranked
9free plans on this page
$2.70/molowest paid tier
4 Oct 2026last checked
Input list Payment Processing Software 25 channels on this page · 104 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromPayment methodsRecurring billingPayment linksIn-person paymentsMulti-currency supportPayout schedule Spec sheet Score
01 Kill Bill Free planYesPaid from$40/moPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportYesPayout schedulenot stated 3/8spec lines stated 7.7
02 Checkout Page Free planYesPaid from$29/moPayment methodsVisa, Mastercard, Amex, Apple Pay, Google Pay, PayPal, ACH Direct Debit, manual payments, bank transfers, bank debits, bank redirects, buy now pay later, real-time payments, vouchers, walletsRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout schedulenot stated 7/8spec lines stated 7.6
03 Helcim Free planNoPaid fromnot statedPayment methodsVisa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cardsRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout scheduledaily 7/8spec lines stated 7.4
04 Mollie Free planNoPaid fromnot statedPayment methodsCredit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of saleRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 7.4
05 PayPal Invoicing Free planNoPaid fromnot statedPayment methodscards, PayPal, Venmo, ACH Direct Debit, Apple Pay, Google Pay, local payment methodsRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 7.4
06 Airwallex Payments Free planYesPaid fromnot statedPayment methodsCards, digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methodsRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout schedulenot stated 6/8spec lines stated 7.3
07 Checkout.com Free planNoPaid fromnot statedPayment methodsmajor card schemes; direct debit; voucher payment schemes; digital wallets; bank transfersRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 7.2
08 Clover POS Free planNoPaid fromnot statedPayment methodscredit and debit cards, Apple Pay, Google Pay, Samsung Pay, gift cards, PayPal, Venmo, Klarna, cash, check, BNPL, Pay by BankRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportnot statedPayout schedulecustom 6/8spec lines stated 7.1
09 SumUp Invoices Free planYesPaid from$49/moPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 7.0
10 MobilePay Free planYesPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 1/8spec lines stated 6.8
11 Pin Payments Free planYesPaid fromnot statedPayment methodsVisa, Mastercard, American Express, eftpos, JCB, Discover, Diners Club, Apple Pay, Google PayRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout schedulecustom 7/8spec lines stated 6.8
12 Razorpay Payment Gateway Free planNoPaid fromnot statedPayment methodsCards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPIRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 6.8
13 Stripe Terminal Free planNoPaid fromnot statedPayment methodscredit cards, debit cards, contactless cards, digital walletsRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 6.8
14 Lightspeed Payments Free planNoPaid from$89/moPayment methodsCredit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debitRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportNoPayout scheduledaily 8/8spec lines stated 6.7
15 Nexi Merchant Services Free planNoPaid fromnot statedPayment methodsVisa, Mastercard, Visa Electron, V-Pay, Maestro, JCB, UPI, PagoBANCOMAT, American Express, Google Pay, Apple Pay and other mobile and alternative payment methodsRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout scheduledaily 7/8spec lines stated 6.7
16 PaySimple Free planNoPaid fromnot statedPayment methodsCredit cards, debit cards, ACH/eCheck, Apple Pay, Google PayRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportnot statedPayout schedulenot stated 5/8spec lines stated 6.7
17 FastSpring Free planNoPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 1/8spec lines stated 6.6
18 Payment Depot Free planNoPaid fromnot statedPayment methodscredit and debit cards, ACH bank transfersRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportnot statedPayout schedulecustom 6/8spec lines stated 6.6
19 Rapyd Free planNoPaid fromnot statedPayment methodsCards, bank transfers, digital wallets, cash, real-time payment networks, stablecoinsRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout schedulecustom 7/8spec lines stated 6.6
20 SlimPay Free planNoPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 1/8spec lines stated 6.6
21 Adyen Free planNoPaid fromnot statedPayment methodsACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat PayRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 6.5
22 MoonClerk Free planNoPaid from$18/moPayment methodsCredit and debit cards; ACH/e-checks; SEPA; BECS; Bacs; Apple Pay; Google Pay; Stripe Link; Cash AppRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout schedulecustom 8/8spec lines stated 6.5
23 Cashfree Payments Free plannot statedPaid fromnot statedPayment methodsUPI, Visa, Mastercard, RuPay, Maestro, bank transfer, PhonePe, ICICI Bank, Airtel Payments, JioMoney, Amazon Pay, PayPal, American Express, Diners Club, EMI, pay later, walletsRecurring billingYesPayment linksYesIn-person paymentsYesMulti-currency supportYesPayout schedulecustom 6/8spec lines stated 6.4
24 PayJunction Virtual Terminal Free planNoPaid fromnot statedPayment methodscards and bank paymentsRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 6.3
25 Paytm Payment Gateway Free planNoPaid fromnot statedPayment methodsCards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchersRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 6.3
Compare all 25 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Payment methods | Recurring billing |
|---|---|---|---|---|---|---|---|---|
| 1 | Kill Bill | 7.7 | Free plan | Free | Yes | 40 /mo | — | — |
| 2 | Checkout Page | 7.6 | Free plan | $24.17/mo | Yes | 29 /mo | Visa, Mastercard, Amex, Apple Pay, Google Pay, PayPal, ACH Direct Debit, manual payments, bank transfers, bank debits, bank redirects, buy now pay later, real-time payments, vouchers, wallets | Yes |
| 3 | Helcim | 7.4 | Free plan | Free | No | — | Visa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cards | Yes |
| 4 | Mollie | 7.4 | Free plan | €9/mo | No | — | Credit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of sale | — |
| 5 | PayPal Invoicing | 7.4 | Free plan | Free | No | — | cards, PayPal, Venmo, ACH Direct Debit, Apple Pay, Google Pay, local payment methods | — |
| 6 | Airwallex Payments | 7.3 | Free plan | $12/mo | Yes | — | Cards, digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methods | Yes |
| 7 | Checkout.com | 7.2 | Free plan | Free | No | — | major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers | — |
| 8 | Clover POS | 7.1 | No | — | No | — | credit and debit cards, Apple Pay, Google Pay, Samsung Pay, gift cards, PayPal, Venmo, Klarna, cash, check, BNPL, Pay by Bank | Yes |
| 9 | SumUp Invoices | 7.0 | Free plan | £7/mo | Yes | 49 /mo | — | — |
| 10 | MobilePay | 6.8 | Free plan | Free | Yes | — | — | — |
| 11 | Pin Payments | 6.8 | No | — | Yes | — | Visa, Mastercard, American Express, eftpos, JCB, Discover, Diners Club, Apple Pay, Google Pay | Yes |
| 12 | Razorpay Payment Gateway | 6.8 | No | — | No | — | Cards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPI | — |
| 13 | Stripe Terminal | 6.8 | No | $2.70/mo | No | — | credit cards, debit cards, contactless cards, digital wallets | — |
| 14 | Lightspeed Payments | 6.7 | No | — | No | 89 /mo | Credit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debit | Yes |
| 15 | Nexi Merchant Services | 6.7 | No | — | No | — | Visa, Mastercard, Visa Electron, V-Pay, Maestro, JCB, UPI, PagoBANCOMAT, American Express, Google Pay, Apple Pay and other mobile and alternative payment methods | Yes |
| 16 | PaySimple | 6.7 | No | $79.95/mo | No | — | Credit cards, debit cards, ACH/eCheck, Apple Pay, Google Pay | Yes |
| 17 | FastSpring | 6.6 | No | — | No | — | — | — |
| 18 | Payment Depot | 6.6 | No | $19/mo | No | — | credit and debit cards, ACH bank transfers | Yes |
| 19 | Rapyd | 6.6 | No | $99/mo | No | — | Cards, bank transfers, digital wallets, cash, real-time payment networks, stablecoins | Yes |
| 20 | SlimPay | 6.6 | No | — | No | — | — | — |
| 21 | Adyen | 6.5 | No | — | No | — | ACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat Pay | — |
| 22 | MoonClerk | 6.5 | No | $18/mo | No | 18 /mo | Credit and debit cards; ACH/e-checks; SEPA; BECS; Bacs; Apple Pay; Google Pay; Stripe Link; Cash App | Yes |
| 23 | Cashfree Payments | 6.4 | No | — | — | — | UPI, Visa, Mastercard, RuPay, Maestro, bank transfer, PhonePe, ICICI Bank, Airtel Payments, JioMoney, Amazon Pay, PayPal, American Express, Diners Club, EMI, pay later, wallets | Yes |
| 24 | PayJunction Virtual Terminal | 6.3 | No | — | No | — | cards and bank payments | — |
| 25 | Paytm Payment Gateway | 6.3 | No | — | No | — | Cards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchers | — |
Is your tool on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which payment processing software is ranked first on Specifiction?
Kill Bill is ranked #1 of 68 with a score of 7.7. Checkout Page is second and Helcim third.
How many of these have a free plan?
9 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.
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