Best Payment Processing Software in the USA
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Compare the Top Payment Processing Software in the USA as of January 2026
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What is Payment Processing Software in the USA?
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 in the USA currently available using the table below. This list is updated regularly.
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1
BILL
BILL
BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.Starting Price: $45 per user per month -
2
RetailEdge
High Meadow Business Solutions
RetailEdge is an easy to use and feature-rich point of sale (POS) and inventory management software solution for retail businesses. RetailEdge offers multi-location support, credit card processing, website integration, mobile POS, and gift card management capabilities within a suite. The solution supports secure and mobile payments like EMV and Apple Pay and integrates with multiple e-commerce platforms for efficient order processing and price updates. RetailEdge was developed in June of 1989 to provide a powerful, flexible, full-featured POS software and hardware solution at a reasonable price that is easy to install, use, and configure, but also affordable to maintain and run. We strongly believe that a good POS solution, in addition to providing great features for a low price, must be supported well. So we have developed a strong support system that provides a backbone of local resellers and quick access to US-based Tier 3 (highest) level support.Starting Price: $495.00/one-time -
3
OneBill
OneBill
OneBill is an end-to-end subscription management, billing, and revenue management platform that powers the entire customer lead-to-revenue generation experience. OneBill supports all types of billing models such as one-time billing, subscription billing, recurring billing, and usage-based billing. OneBill’s seamless integration with other enterprise systems such as carriers & service providers, payment gateways, accounting & admin, taxation, and CRM & ERP platforms is made possible with open APIs. The platform covers all aspects of a business from CPQ, automated order provisioning & activation, billing & invoicing, all the way to revenue reporting, customer subscription management, and channel partner commission management. OneBill has been helping SMBs, SMEs, and large enterprises to reduce billing errors, compliance risk and drive greater efficiency with an end-to-end billing and revenue management solution fully integrated with some of the world’s leading solutions.Starting Price: $1500.00 -
4
HelmBot
HelmBot
Appointment scheduling, point-of-sale, staff management, marketing automation, and a whole lot more. HelmBot makes it easy for business owners to stay on top of all the complicated parts of their business in one place. HelmBot is designed to save you time and bring in extra appointments, every single day.Starting Price: $95 per month -
5
Amazon Pay
Amazon
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. -
6
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.Starting Price: Free -
7
Square Card Reader
Block
Square’s free credit card reader works with the free Square Point of Sale app to let everyone accept payments on their smartphone or tablet. Sign up for Square and we’ll drop your free card reader in the mail—no commitments or long-term contracts. Pay 2.6% + 10¢ per swipe for Visa, Mastercard, Discover, and American Express. Get your money as fast as the next business day. With two versions of Square Reader for magstripe—one for a headset jack, the other a Lightning connector—you’re covered. Just pick the credit card reader that works for you. Take payments at the counter or on the go, remotely through invoices, or by manually entering card numbers. Square Point of Sale is a free, easy-to-use app that gives you everything you need to manage your business. Credit card information is encrypted at the moment of swipe. Square doesn’t store card data on your device after a payment has been processed. -
8
Floral Frog
Floral Frog
Floral Frog is a comprehensive, yet easy to use florist management system with EPOS designed for managing the business side of floristry. It relieves the burden of managing paperwork commonly seen in flower shops and saves hours of administration. No more order pads - you can manage orders centrally and find them with a few clicks including their payment and delivery status. Do you have a website? We support a number of website integrations, so why not manage all of your orders with ease in one place (check our website for integrations). Spending too much time working out delivery routes? Our software works out the most optimal route for you with just a few clicks. Losing track of money owed? Our invoicing and payments module keeps track of outstanding payments and can automatically invoice your account customers. No more spreadsheets - all sales and expenses are automatically accounted for in the software and you can easily export to CSV or PDF.Starting Price: $60.00/month -
9
Clearly Payments
Clearly Payments
Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.comStarting Price: $10.00/month -
10
Paddle
Paddle Payments
Paddle is a subscription commerce and billing platform for Software and SaaS companies. It’s more difficult than ever to keep up with customer demands, to find new international growth opportunities, and to manage your internal resources effectively. With Paddle, you spend less time on fixing internal roadblocks and can focus on scaling your business. Paddle provides a full suite of tools from optimized checkout to sell your software, to recurring billing, fraud detection, manual invoicing, sales taxes, global currencies, customer support, analytics and much more, all in one platform. Choose how you want to sell, Paddle supports every type of sales motion. Optimize your checkout for conversions, scale your sales-assisted invoicing to more business accounts, and add subscription billing -
11
Whalestack
Whalestack LLC
Whalestack is a sophisticated cryptocurrency payment gateway designed for enterprises, offering digital currency checkout solutions that seamlessly convert Bitcoin to your bank account within minutes. It enables the acceptance of cryptocurrencies, facilitating instant conversion to fiat currency, eliminating currency risks, chargebacks, and credit risks. The platform encompasses comprehensive financial reporting, invoicing, taxation, and analytics, making it straightforward to integrate via REST API or a simple checkout button. Whalestack serves online merchants and e-commerce platforms, allowing them to accept and settle payments in various digital currencies in a compliant manner, ensuring satisfaction for accountants and tax authorities alike. It empowers online businesses to denominate and settle sales in their national currency (e.g., EUR, USD), irrespective of the cryptocurrency (Bitcoin, Lightning, USD, EURC, or Stellar) used by customers for payment.Starting Price: 0.5% -
12
Diamond Mind Payment Processing
Diamond Mind
Diamond Mind Payment Processing is a payment processing solution for schools that offers convenience of digital payments. Diamond Mind Payment Processing simplifies, streamlines, and accelerates payments across the campus. With Diamond Mind Payment Processing, payment data is securely transmitted for processing. Diamond Mind Payment Processing also features easy management, reconciliation, and reporting of all payments.Starting Price: $1.00 -
13
PaymentCollect for QuickBooks
Payment Collect
PaymentCollect™ is a software plugin for the full suite of QuickBooks® products that allows business owners to natively process credit cards within QuickBooks® through the processor or bank of their choice. We support QuickBooks Desktop® back to version 2004, Point of Sale® back to version 2010, as well as the new QuickBooks Online.® PaymentCollect™ provides simple, convenient, efficient, and inexpensive payment processing software. Reduce overhead and variable costs by receiving, processing, and automatically posting payments into QuickBooks. With Payment Collect™, your customers can pay their invoices 24/7 by phone or online. We synchronize with QuickBooks® so invoices are automatically marked as paid. -
14
Axis TMS
Axis TMS Corp
Powerful Trucking Software with streamlined necessary tools you need to run your trucking business smoothly. Features such as Assign and Offer Orders, Maps and Routing, Driver App, Document Scanning, Auto Pay (Same Day Funding), Invoice Customers, Driver Payroll, IFTA Mileage and Fuel Sync, Repair, OBDII & Maintenance, Voice and Fax Systems, Brokerage, Electronic Logs, Push to Talk, Two-Way Messaging, Dash Cams, Truck and Trailer Monitors, POD Signatures, Safety and Fleet Compliance, Dispatch Tools, GPS Navigation, Real-Time Updates and more!Starting Price: $15/month -
15
SDK.finance
SDK.finance
SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.Starting Price: Contact us -
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Balance
Balance
Balance is the first self-serve checkout that accepts 100% of the B2B payment complexities - from milestone payments to net terms, wires to checks, SaaS subscriptions to automatic vendor payouts - and more: 🗒 API-first! Get at them docs 💳 Go beyond cards: Accept ACH, wire, card, and even checks 💨 Instant, Risk-free Net Terms: Your customers pay Net 30/60. You get paid instantly. 🔁 Recurring payments, made easy: Make recurring invoice payments as easy as recurring CC payments 🏢 Built for all B2B payment needs. Perfected for Marketplaces, Wholesalers, Merchants, SaaS and Service Providers. 🧍🏽♀️ Self-serve invoicing: Your customers can pull & pay their own invoices with a click 🏋️ Automatic reconciliation & collection: Isn’t it funny you’re still doing this manually?Starting Price: $0 -
17
Computop Paygate
Computop
Computop offers its customers around the world local and innovative omnichannel solutions for payment processing and fraud prevention, for e-commerce and POS. With the Computop Paygate payment platform, retailers, service providers and industrial enterprises have the flexibility to choose from over 350 payment methods. Computop, a global player with locations in Germany, England and the USA, has been servicing large international companies for more than 25 years, including global brands such as C&A, Fossil, Otto Group, Sixt, Swarovski and Wargaming. Computop carbon-neutrally processes transactions with a combined value of USD 33 billion in 127 currencies.Starting Price: $29 per month -
18
Paytia
Paytia
Take secure & compliant payments over the phone and get real-time authorisation. With Paytia your customers use their keypad to communicate card data securely. They're protected, trust in your business is increased — plus it's no longer exposed to fines and charges for breaking payment-security rules. Paytia’s PCI-DSS certified phone-payment solutions give your customers the same protection they expect which shopping in-store or online, which means you no longer need to hear or store their card data.Starting Price: From $11.10 -
19
ChargeOver
ChargeOver
ChargeOver is a web-based standalone billing and invoicing software solution for businesses across industries. Affordable and feature-rich, this recurring billing and payments platform offers a host of functionalities including a self-service customer portal, standard or customized reporting, billing or invoicing setup options, and branding options for billing-related communications. By using ChargeOver, you can improve your service to customers, save time, and increase cash flow by automating recurring payments and subscriptions. Additional features include automated dunning; phone, chat, and email support; fully searchable database; customer payment portal, custom payment links; and more.Starting Price: $0 -
20
ezyCollect
ezyCollect
If you're looking to improve your accounts receivables and cashflow, turn to to ezyCollect, a secure, cloud-based accounts receivable and debtor management solution. Trusted by more than 1,000 companies worldwide, ezyCollect automates the tedious tasks in accounts receivables so that organizations can spend their precious resources on their core business. It comes with a host of features to help businesses get paid faster and easier, including pre-reminder communications, overdue reminders, online payment processing, and escalation to debt collection. The platform also integrates with leading accounting software, Xero and myob.Starting Price: $25.00/month -
21
Payscout
Payscout
Our proprietary Paywire platform was built to handle simple and complex payment needs, with easy integration for both software and web applications. Our partners are able to process more payments by expanding their acceptance channels and adding multiple payment methods. Our platform has the ability to integrate with complex peripherals including EMV readers and check scanners, with support for mobile, web, desktop, and Thin Client solutions. Paywire is a turnkey and flexible solution with multiple interfaces that can accommodate a multitude of payment processing, monitoring, and reporting needs. As an active member of ACA International, and with over 20 years of experience serving the collections industry, we know the operational and compliance needs of your agency. We are a world-leader in secure, flexible, and highly customized ecommerce solutions and our proprietary Paywire platform can be configured to meet your needs.Starting Price: $1.65 per month -
22
Acceptiva
Acceptiva
Acceptiva provides nonprofits with the ability to accept payments for any need, any time; seamlessly, securely, and affordably. In 2020, Acceptiva was acquired by Qgiv, an industry-leading provider of digital fundraising platforms. Clients now have access to an expanded set of user-friendly fundraising tools including peer-to-peer fundraising, text giving, auctions, and time-saving CRM integrations. Easily access all transaction data by form or across multiple forms. Edit transactions, recharge donor/payers, sort on screen, export in Excel, CSV, or .pdf, and create custom reports to store for future access. Reports can be accessed or restricted by permission and or report type. You have full control over funds management reporting and viewing. Call or email our customer service reps for questions, edits, support or free training. Provide discounted pricing to select groups or members.Starting Price: $99 per month -
23
SwipeSum
SwipeSum
Discover the best credit card processing solution for your unique business and eliminate most fees associated with accepting payments. The research required to find the best solution for your unique business can take months, and merchants do not have the upper hand in negotiations. Swipesum solved that. We prove that we're the experts by sourcing the best payments solutions for you, and help pre-negotiate the most favorable terms for free. Our advice is completely free to you. We'll help negotiate and manage your payments solution, so you can focus on the growth of your company. Swipesum combines industry knowledge, proprietary software technology, and dedicated customer service to create a payments solution that will optimize card processing for your business. There is a lot of misinformation and confusion in card processing. The industry tends to obscure pricing while building the appearance of inflexibility and exclusivity into their services.Starting Price: $15 per month -
24
Sonder Payments
Sonder Payments
Sonder Payments is a membership-based payment processing solution tailor-made for high-ticket businesses. Sonder Payments does not charge a percentage markup on transactions. Instead, members pay a static monthly fee for access to a dedicated support team, virtual terminal, recurring billing, online invoicing, and more. Sonder Payments is suitable for all business sizes and models. Our software is capable of integrating into numerous payment gateways, eCommerce platforms, and point-of-sale software. No matter how you use Sonder Payments, you'll always know what you pay and get paid fast. In most cases, businesses receive deposits within 5-7 hours. Sonder Payments memberships start at just $49 per month with rates as low as $0.08 per transaction. Visit SonderPayments.com for a free cost-savings analysis.Starting Price: $49/month -
25
CM.com
CM.com
Mobile communication and payments solutions. Combine messaging channels like WhatsApp with innovative payments to create true Conversational Commerce. We help companies communicate. Our customers use SMS, Voice and the world’s most popular chat apps: WhatsApp, Apple Business Chat, Google RCS. Start the conversation in the channel your customers prefer and let the AI bot do the talking. Integrate commerce in the conversation to drive conversions. CM.com is a licensed Payment Service Provider, offering a range of options for any channel with Apple Pay, Google Pay, WeChat Pay, Credit Cards and local payments like iDeal and Bancontact. CM.com is also a Ticketing platform helping festivals, museums and stadiums sell and manage any type of ticket. The Customer Data Platform takes marketing to a personal level. Identity and e-sign solutions assure authentication in any transaction.Starting Price: $0/month -
26
CARDZ3N
CARDZ3N
CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different. We offer a wide range of services and solutions that help organizations achieve their vision, facilitate change, and maximize performance and productivity. -
27
Medius
Medius
Simplicity shouldn’t be complicated. Medius makes AP autonomous—using intelligent technology to reimagine how invoices move into and through your business via a process that you don’t have to touch and that gets smarter with every step. Automate the entire source-to-pay process with the Medius Accounts Payable suite. Simplify and automate your entire AP process by removing paper and manual invoice keying, matching, and processing. You’ll always have full visibility of invoices, spend and cash flow to ensure you can close the books on time, every time. Remove complexity, reduce fraud and save money by improving the payments process in your organization. Medius Pay overhauls the way you pay your suppliers, removing manual processes such as processing checks, and promotes automated working instead. Empower your procurement team with the tools they need to eliminate maverick spend. -
28
Bellwether Purchasing and Inventory
Bellwether Purchasing and Inventory Software
Rated #1 in purchasing software for SMB companies who create 50-1000 POs a month. Bellwether is cloud-based, modular, scalable, easy to use and offers a 100% money-back guarantee. Modules include Requisitions, Purchase orders, Receiving, invoicing, Inventory, and more. There are over 50+ punchouts, partial receipts, blanket POs, and integration to your ERP through invoicing. Reporting and help docs are available throughout the solution and you will also have outstanding customer support every step of the way. You decide what you need and when to add more. Proven and trusted as the best purchasing software by thousands of customers for over 35 years. Bellwether's solution works in all industries. Check it out now by requesting a free demo based on your company's needs and purchasing workflow. Look forward to hearing from you. -
29
ClearGate
ClearGate
We offer our popular payment processing software or get access to our secure Web services. You can process cards, check the status, and create custom reporting. Payments are complicated. Let us provide the tools to make them easy. See how we can assist you. We’ve designed our payment processing iFrame to ensure a simple, yet very flexible integration. You’re in safe hands with $100k in breach insurance, plus a platform with strict security principles at its core. We’ve been around the block a time or two, so we know what it takes to get the job done. Whether you need a traditional terminal, our popular virtual terminal, or an integrated solution with your business management software, we have a solution for you. Our team will personally work one-on-one with you, from the initial pricing proposal to help and support down the line, you’ll have someone with you every step of the way. Promise.Starting Price: $15.99 per month -
30
Web Payment Software
Mountain Media
Web Payment Software™ offers merchants a cost-plus pricing model that can deliver rates as low as 0.4%. That would be a savings of $2.50 on a $100.00 transaction when compared to the bigger players in the industry. We also don't nickel and dime you with gateway, transaction and batch fees. Or fees for Address Verification Service (AVS) and fraud protection. Learn more about why our merchant accounts cost less. Web Payment Software™ also offers payment features like Payment Pages, Recurring Payments, Virtual Terminal as well as Next Generation Point of Sale solutions that can help streamline your business process.Starting Price: $15.99 per month
