Best Payment Processing Software

Compare the Top Payment Processing Software as of December 2025

What is Payment Processing Software?

Payment processing software is software used to facilitate payments made to and from businesses. It can process these transactions quickly and securely, allowing merchants to run their operations smoothly. The software is often integrated with point-of-sale systems or accounting programs, allowing for seamless tracking of all financial information. Users can easily manage payment gateways, report on transactions, and reconcile accounts with detailed analytics tools. Compare and read user reviews of the best Payment Processing software currently available using the table below. This list is updated regularly.

  • 1
    Google Pay
    Google Pay is the fast, simple way to pay online or make contactless payments with your phone. Your payment info is protected with multiple layers of security so you can pay with peace of mind – all the time. See where you’ve made the most recent transactions, right on your home screen. Find past purchases, loyalty cards, offers - even online ordering - all in one place. Keep credit cards, debit cards, transit passes, and more on your phone for quick, easy access. Bring your accounts together for a clearer view of what you have, what you’ve spent, and recent activity. Easily find past purchases from weekend getaways, past payments, and tickets you saved in your wallet. And if you choose, you can link your bank account, Gmail, and Google Photos to search even more transactions.
  • 2
    Apple Pay
    Apple Pay is easy and works with the Apple devices you use every day. You can make contactless, secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. Apple Pay is a safer way to pay, and even simpler than using your physical card. Using Apple Pay with your iPhone or Apple Watch is quick and secure. It’s a safer way to pay that helps you avoid touching buttons or exchanging cash. Use Apple Pay on the App Store to buy apps and games, or within apps to pay for a ride, a pizza delivery, or a new pair of sneakers — with just a touch or a glance. You can also use Apple Pay for a subscription to Apple Music, Apple News+, and Apple Arcade. Or for upgraded iCloud storage and other Apple services. When you’re making purchases on the web in Safari on your iPhone, iPad, or Mac, you can use Apple Pay without having to create an account or fill out lengthy forms.
  • 3
    Venmo

    Venmo

    PayPal

    Pay friends and family with a Venmo account using money you have in Venmo, or link your bank account or debit card quickly. Send money and make purchases at approved merchants. Remember the moments you share with friends. Split dinner, send a birthday gift, or just say hello. Move money from Venmo to your bank account. We use encryption to help protect your account information and monitor your account activity to help identify unauthorized transactions. Pay family and friends with Venmo accounts using a phone number or email. If they don't have a Venmo account, they'll just need to create one. Find friends automatically by syncing your Facebook or phone contacts. When you send money using your Venmo balance, bank account, debit card or prepaid card, we waive fees so it’s free. Our standard 3% fee applies to credit cards. Receiving money and making purchases in other apps is always free.
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    Starting Price: Free
  • 4
    Amazon Pay
    Amazon Pay makes it simple for hundreds of millions of customers around the globe to pay for products and services using the information already stored in their Amazon accounts. To make a payment, you can use any of the payment methods in your Amazon account. The Amazon Pay checkout solution increases shopper engagement, brand visibility, and security for your business, letting hundreds of millions of Amazon customers pay their way, every day. Amazon Pay is a service offered to Amazon customers, and you are enabled to use it wherever you see it — whether that is clicking the Amazon Pay button when checking out on your favorite online stores, managing your payment methods in your account on Amazon.com or using Amazon Pay on Alexa. There are no additional sign-ups or sign-ins. Your transactions are safe and secure, and everything can be tracked in your Amazon account.
  • 5
    PayPal

    PayPal

    PayPal

    9 million merchants rely on PayPal to build, run, and grow their business. Get the tools, products, financing, and support you need to help establish or grow your business – from processing payments and building a website to shipping and marketing. We even give you access to business loans* that can provide merchant funding to help you start and drive future growth. Get paid online or in-person. Whether you need online invoicing, a customized checkout for your website, or a card reader for processing on-the-go transactions, we have a solution for your business. Choose from a selection of products and services designed to simplify your day-to-day operations, like tools for tracking payments, printing shipping labels, and so much more. Explore merchant lending options that can provide you with fast access to the money your business needs now, plus a way to offer your customers financing that lets them pay over time, while you get paid upfront.
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    Starting Price: Free
  • 6
    Sila

    Sila

    Sila

    Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.
  • 7
    Cash App

    Cash App

    Block, Inc.

    The Cash App lets you easily send or receive payments to anyone via a simple mobile application. The Cash App also lets you buy Bitcoin, and the Cash App works without a bank account. Send and receive money anytime, anywhere. It’s fast and free, and a $cashtag is all you need to get started. With a Cash App account, you can receive paychecks up to 2 days early. Get 3 free ATM withdrawals per month when you have at least $300 coming in each month. Whether you’re just getting started or already a pro, Cash App makes it easy to invest in stocks and bitcoin. Cash App uses advanced security features to protect millions of people and payments each year. From verification locks to data encryption, we take steps to make sure your money and information are safe.
  • 8
    Zelle

    Zelle

    Early Warning Services

    Zelle® is a fast, safe, easy and contact-free way to send and receive money with friends, family and others you trust. You can receive money directly into your bank account in minutes. Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle app. Enter the preferred email address or U.S. mobile number of the recipient. You can send money to almost anyone1 you know and trust with a bank account in the U.S. Enter the amount to send. Your recipient gets a notification explaining how to complete the payment, simply and quickly. You can send money with Zelle for all kinds of things. And, did we mention it’s fast? Like money-straight-into-your-bank-account-in-minutes fast. Watch to learn more and how you can Pay it Safe when using Zelle. Whether you’re settling up IOUs or splitting the cost of takeout, you can send money to someone you trust in minutes directly to their bank account with Zelle.
  • 9
    Masterpass

    Masterpass

    Masterpass

    MasterPass™ by MasterCard® is an easy way to checkout online. It stores all of your payment and shipping information in one convenient and secure place. With MasterPass, you simply shop, click and check out. Masterpass is a digital payment service that allows you to check out faster by storing all of your payment and shipping information in one secure location. Masterpass by Mastercard is a digital wallet service that makes online shopping easy, secure, and convenient. Masterpass stores all your payment and shipping information in one central, secure location. With Masterpass, you can shop, click, and checkout fast online. Your account security is our top priority. Masterpass is powered by Mastercard, which has a long-standing reputation of trust and security. Our secure servers and technology are designed to protect your information.
  • 10
    Dwolla

    Dwolla

    Dwolla

    Dwolla, Inc. is a payment services provider powering innovations with sophisticated account-to-account payment solutions. Dwolla’s modern API simplifies the complex process of integrating with the various payment networks to create a single end-to-end solution. Built with developers in mind, Dwolla’s technology gives businesses the ability to program payments on the same day, next day or in real-time directly to bank accounts. Dwolla’s technology can help businesses use a simplified API to help navigate the ACH and RTP® networks without having to start from scratch. Integrating with a white label API is ideal for businesses looking to get their solution to market quickly without having to batch Nacha files. With minimal development, start-ups to Fortune 500 companies can gain efficiency, flexibility and improved cash flow by working with Dwolla.
  • 11
    Alipay

    Alipay

    Alibaba Group

    Experience fast, easy and safe online payments. Alipay is the world's number one mobile payment service organization and the second largest payment service organization in the world. Alipay is owned by Alibaba Group.
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