Best Payment Processing Software in 2026
Updated
68 payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
68ranked
0free plans on this page
£49/molowest paid tier
4 Oct 2026last checked
Input list Payment Processing Software 18 channels on this page · 35 of 144 spec lines stated by the makers
Ch Tool Free planPaid fromPayment methodsRecurring billingPayment linksIn-person paymentsMulti-currency supportPayout schedule Spec sheet Score
51 Natural Free planYesPaid fromnot statedPayment methodscards, ACH, wire transfers, RTP, FedNow, bank transfersRecurring billingnot statedPayment linksYesIn-person paymentsnot statedMulti-currency supportYesPayout schedulenot stated 4/8spec lines stated 5.7
52 Paycycle Free planYesPaid fromnot statedPayment methodsDebit orders, EFT, PayShap, DebiCheck, card paymentsRecurring billingYesPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 3/8spec lines stated 5.7
53 PayU Free planNoPaid fromnot statedPayment methodsCards, UPI, net banking, wallets, EMI, BNPL, QR and payment linksRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 5.7
54 WP Full Pay Free planYesPaid fromnot statedPayment methodsVisa, Mastercard, American Express, Discover, Diners Club, JCB, China UnionPay, Cartes Bancaires, Alipay, Apple Pay, Cash App Pay, Google Pay, GrabPay, MobilePay, WeChat Pay, Revolut Pay, Amazon Pay, Stripe Link, BLIK, Bancontact, EPS, iDEAL, Przelewy24, TWINTRecurring billingYesPayment linksnot statedIn-person paymentsnot statedMulti-currency supportYesPayout schedulenot stated 4/8spec lines stated 5.7
55 WP Simple Pay Free planYesPaid fromnot statedPayment methodsCard, ACH Direct Debit, SEPA Direct Debit, Alipay, Bancontact, FPX, giropay, iDEAL, Klarna, Afterpay/Clearpay, Przelewy24, Apple Pay, Google Pay, Microsoft Pay, MobilePay, BECS Direct Debit, PromptPay, WeChat Pay, PIX, BLIKRecurring billingYesPayment linksnot statedIn-person paymentsnot statedMulti-currency supportYesPayout schedulenot stated 4/8spec lines stated 5.7
56 Swipez Free planYesPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportYesPayout schedulenot stated 2/8spec lines stated 5.6
57 Viva.com Free planNoPaid fromnot statedPayment methodsCards, digital wallets, local payment methods, direct debit and other payment methodsRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 5.6
58 Dwolla Free planNoPaid fromnot statedPayment methodsStandard ACH, Same Day ACH, RTP, FedNowRecurring billingYesPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 3/8spec lines stated 5.5
59 ePayBL Free planNoPaid fromnot statedPayment methodsPayPal, Visa, Mastercard, SEPA direct debit, invoiceRecurring billingnot statedPayment linksYesIn-person paymentsYesMulti-currency supportnot statedPayout schedulenot stated 4/8spec lines stated 5.5
60 Midtrans Free planNoPaid fromnot statedPayment methodsbank transfer, e-wallets, credit/debit cards, QRIS, over-the-counter, cardless credit, direct debitRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 5.5
61 Bottomline PTX Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 0/8spec lines stated 5.4
62 GoCardless Bank Account Data Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 0/8spec lines stated 5.4
63 Teampay by Paystand Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportYesPayout schedulenot stated 1/8spec lines stated 5.4
64 Worldpay 360 Hospitality Free planNoPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 1/8spec lines stated 5.4
65 Mangopay Free planNoPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 1/8spec lines stated 5.2
66 Shift4 Payments Free planNoPaid from$29.99/moPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 2/8spec lines stated 5.2
67 VoPay Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 0/8spec lines stated 5.2
68 Worldline Food Services Payments Suite Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring billingnot statedPayment linksnot statedIn-person paymentsnot statedMulti-currency supportnot statedPayout schedulenot stated 0/8spec lines stated 5.2
Compare all 18 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Payment methods | Recurring billing |
|---|---|---|---|---|---|---|---|---|
| 51 | Natural | 5.7 | No | — | Yes | — | cards, ACH, wire transfers, RTP, FedNow, bank transfers | — |
| 52 | Paycycle | 5.7 | No | — | Yes | — | Debit orders, EFT, PayShap, DebiCheck, card payments | Yes |
| 53 | PayU | 5.7 | No | — | No | — | Cards, UPI, net banking, wallets, EMI, BNPL, QR and payment links | — |
| 54 | WP Full Pay | 5.7 | No | — | Yes | — | Visa, Mastercard, American Express, Discover, Diners Club, JCB, China UnionPay, Cartes Bancaires, Alipay, Apple Pay, Cash App Pay, Google Pay, GrabPay, MobilePay, WeChat Pay, Revolut Pay, Amazon Pay, Stripe Link, BLIK, Bancontact, EPS, iDEAL, Przelewy24, TWINT | Yes |
| 55 | WP Simple Pay | 5.7 | No | — | Yes | — | Card, ACH Direct Debit, SEPA Direct Debit, Alipay, Bancontact, FPX, giropay, iDEAL, Klarna, Afterpay/Clearpay, Przelewy24, Apple Pay, Google Pay, Microsoft Pay, MobilePay, BECS Direct Debit, PromptPay, WeChat Pay, PIX, BLIK | Yes |
| 56 | Swipez | 5.6 | No | — | Yes | — | — | — |
| 57 | Viva.com | 5.6 | No | — | No | — | Cards, digital wallets, local payment methods, direct debit and other payment methods | — |
| 58 | Dwolla | 5.5 | No | — | No | — | Standard ACH, Same Day ACH, RTP, FedNow | Yes |
| 59 | ePayBL | 5.5 | No | — | No | — | PayPal, Visa, Mastercard, SEPA direct debit, invoice | — |
| 60 | Midtrans | 5.5 | No | — | No | — | bank transfer, e-wallets, credit/debit cards, QRIS, over-the-counter, cardless credit, direct debit | — |
| 61 | Bottomline PTX | 5.4 | No | — | — | — | — | — |
| 62 | GoCardless Bank Account Data | 5.4 | No | — | — | — | — | — |
| 63 | Teampay by Paystand | 5.4 | No | — | — | — | — | — |
| 64 | Worldpay 360 Hospitality | 5.4 | No | £49/mo | No | — | — | — |
| 65 | Mangopay | 5.2 | No | — | No | — | — | — |
| 66 | Shift4 Payments | 5.2 | No | — | No | 29.99 /mo | — | — |
| 67 | VoPay | 5.2 | No | — | — | — | — | — |
| 68 | Worldline Food Services Payments Suite | 5.2 | No | — | — | — | — | — |
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