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Finance & Accounting

Best Payment Software in 2026

Payment software provides ways to accept payments, set billing terms and send payouts. This list helps businesses compare payment tools before choosing one.

  1. 01 Airwallex Billing

    Airwallex Billing suits global businesses that need invoicing, recurring subscription management, or usage-based billing.

    From $12/mo Free plan Web · iOS · Android · API
    9.3 Visit Specs
  2. 02 Adyen

    Adyen is aimed at global businesses handling enterprise payment volume.

    Web · iOS · Android · API
    8.9 Visit Specs
  3. 03 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
    8.9 Visit Specs
  4. 04 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
    8.8 Visit Specs
  5. 05 IXOPAY

    IXOPAY is intended for merchants and fintechs managing payments across providers and channels.

    From $1,000/mo Free trial Web · iOS · Android · API
    8.8 Visit Specs
  6. 06 PayPal Invoicing

    It suits freelancers and small businesses that invoice clients directly and want invoice tracking, reminders, and recurring templates.

    Free plan Web · iOS · Android
    8.6 Visit Specs
  7. 07 Global Payments
    Web · iOS · Android · API
    8.2 Visit Specs
  8. 08 GoCardless Bank Account Data

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

    Free plan Web · API
    8.2 Visit Specs
  9. 09 Authorize.net

    Authorize.net suits small businesses looking to accept payments across online, in-person and phone channels.

    From $25/mo Web · iOS · Android · API
    8.1 Visit Specs
  10. 10 2Checkout Hosted Checkout
    Web · API
    8.0 Visit Specs
  11. 11 Payoneer Payer

    Payoneer Payer suits businesses paying international contractors or suppliers that need recurring or batch payment options.

    Web · iOS · Android
    7.8 Visit Specs
  12. 12 Square Online
    From $49/mo Free plan Web
    7.7 Visit Specs
  13. 13 BlueSnap
    Web · iOS · Android · API
    7.6 Visit Specs
  14. 14 Stripe Invoicing
    Web · API
    7.6 Visit Specs
  15. 15 Rapyd
    From $99/mo Web · iOS · Android · API
    7.5 Visit Specs
  16. 16 APEXX Global

    APEXX describes the platform for enterprise merchants, including travel, retail, mobility, and digital platform businesses.

    Web · API
    7.4 Visit Specs
  17. 17 Cybersource

    Cybersource is intended for businesses accepting online payments, including medium and large merchants.

    Web · iOS · Android · API
    7.4 Visit Specs
  18. 18 Elavon Restaurant Payments
    Web
    7.4 Visit Specs
  19. 19 dLocal
    Web · API
    7.3 Visit Specs
  20. 20 Gr4vy

    It suits merchants and payment platforms seeking centralized payment connections and configurable routing.

    Web · iOS · Android · API
    7.3 Visit Specs
  21. 21 Paytm Payment Gateway
    Web · iOS · Android · API
    7.2 Visit Specs
  22. 22 Razorpay e-Mandate

    It suits merchants seeking recurring online payment collection for services such as insurance, utilities, SIPs, or school fees.

    Web · iOS · Android · API
    7.2 Visit Specs
  23. 23 Paysafe

    Paysafe suits businesses seeking card, wallet, cash, or other payment options through an API or embedded checkout.

    Web · iOS · Android · API
    7.1 Visit Specs
  24. 24 Spreedly
    From $750/mo Web · API
    7.1 Visit Specs
  25. 25 Worldpay 360 Hospitality

    It is intended for UK hospitality businesses such as cafés, restaurants, bars, pubs, takeaways, bakeries, hotels, lodgings, and nightclubs.

    From £49/mo Web · iOS · Android
    7.1 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).

Check the free plan or trial, paid-from price, payment methods, transaction fee, recurring billing, payout schedule, supported currencies and supported platforms. Confirm that the tool runs where you need it: web, API, Android, iOS or an extension.

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