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Payment Processing Software

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Compare the Top Payment Processing Software of 2020

Lô đề sốCompare the best Payment Processing software currently available using the table below.

  • 1

    Podium

    Centralize all business reviews from across different platforms with Podium, an online review solution. Podium allows users to see their reviews and gain more customer feedback for quick and better-informed decisions. Podium can be accessed through its free iOS and Android app for sending review invitations, check analytics, and manage existing reviews.

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  • 2

    Melio

    Lô đề số The Simplest Way to Pay Vendors & Contractors. Pay any invoice with a bank transfer for FREE, or use your credit card to defer payment and earn rewards (2.9% fee). Vendors receive a check or a bank deposit. Enter details manually, upload a file or take a photo of an invoice. It's super easy. Integrate QuickBooks to auto-sync it all. Schedule payments to pay exactly when you want. Pay with a bank transfer or card, even where cards are not accepted. Choose how vendors get paid. Your vendor receives a check or bank transfer without needing to sign up to Melio. Pay vendors with a business credit card even if your payment receivers don’t accept them. Get rewards and take advantage of up to 45 days of float until your next credit card billing cycle. Invite users from your company or your accountant and easily set up their roles and permissions to schedule payments. Control approval of each transaction and stay on top of your cash flow.

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  • 3

    C9PG

    Lô đề số Cutting Edge Payment Processing Gateway with Enterprise Features and Real-Time Metrics

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  • 4

    Fattmerchant

    Founded in 2014 and based in Orlando, Florida, Fattmerchant delivers merchant services through 0% interchange fee markups, access to wholesale credit card processing rates, fixed monthly subscriptions with no contracts, and proprietary technology. It offers services ranging from integrations into existing systems, e-commerce, and online, mobile and virtual terminals. Fattmerchant helps business owners of all sizes take in person, over the phone, on-the-go, and e-commerce payments from anywhere within a single, simple platform. In addition, Fattmerchant’s Omni software platform provides meaningful data analytics and integrates with popular business tools such as QuickBooks Online and Google My Business to let merchants see the health of their business. The payment processing company will work with each customer to help them choose the payment option that will work for their business.

    Starting Price: $99/month
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  • 5

    Armatic

    Armatic is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: Armatic provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: Armatic is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery. Finance Team dramatically reduce outstanding AR with Armatic. Sales teams close more deals, and customer success teams improve customer satisfaction scores with Armatic.

    Starting Price: $35/user/month
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  • 6
    HelmBot Icon

    HelmBot

    HelmBot

    Lô đề số Appointment scheduling, point-of-sale, staff management, marketing automation, and a whole lot more. HelmBot is like having 10 different software systems, all in one, and our customers love how simple it is.

    Starting Price: $95 per month
  • 7
    Storecove Icon

    Storecove

    Storecove

    Send and receive e-invoices with Peppol. Automize your invoicing process & safely send invoices to governments. Connect your software to Peppol with our API. Why E-invoicing? - Traditional invoicing costs are high, including paper postage and manpower. The costs of sending E-invoices is 59% cheaper and receiving costs are reduced by 64%. - Paper invoicing requires paper filing, retention and storage space, which costs time and money. E-invoices are send from bookkeeping system to bookkeeping system, fully in the cloud without physical interference. - You can no longer send PDF or paper invoices to government, ministries or public entities. With Peppol you can send your e-invoices to governments worldwide, all according to the newly established European Directive. For ERP systems: Allow customers to send & receive electronic invoices from within your own software to enable automated invoicing, invoicing to governments and a much safer business transaction.

    Starting Price: €495 / mo Partner badge
  • 8
    Fraud.net Icon

    Fraud.net

    fraud.net

    Fraud.net delivers the world’s most advanced infrastructure for fraud management – powered by a sophisticated collective intelligence network, world class artificial intelligence, and a modern, cloud-based platform that helps you: * Unify fraud data from any source with a single connection. * Detect fraudulent activity for 99.5%+ transactions in real-time. * Respond to fraudulent transactions with smarter, faster, and more accurate decisions. * Optimize fraud management by uncovering hidden insights in terabytes of data. Fraud.net is a real-time, enterprise-strength fraud prevention and analytics solution organized around its business customers’ needs. Through a single point of command, it unifies and analyzes data from disparate systems and sources, tracks digital identities and behaviors, and then deploys the latest tools and technologies to stamp out fraudulent activity while allowing good transactions to sail through. Contact us today for a free trial.

  • 9
    Tipalti Icon

    Tipalti

    Tipalti

    Lô đề số Tipalti automates the entire payment process, liberating you to focus on making a strategic impact. Cut the manual work and focus on revenue growth and cash flow management instead of back-office financial operations. End-to-end automation provides the infrastructure for long-term success. KPMG-certified FATCA tax compliance, audit trails, and role-based views mitigate risk and ensure compliance. Best-in-class supplier payment experience, with global coverage, rich payment method choice, and unparalleled supplier visibility.

  • 10
    Beanworks Icon

    Beanworks

    Beanworks

    Beanworks empowers accounting teams by automating the entire accounts payable workflow, from purchase to payments. We receive and code your invoices, route them for approval, and sync them into your accounting software. Once invoices have been approved, they automatically match to payments, helping eliminate the risk of duplicates and ensuring your vendors get paid on time. By combining AP data, invoice images and reporting, you gain better visibility into outstanding liabilities across all of your legal entities or locations. Beanworks helps accounting teams: -Increase control over AP -Improve visibility across payables -Eliminate paper & filing cabinets -Improve accountability & easily find invoices -Access and approve invoices from any device Beanworks integrates with industry-leading accounting software including QuickBooks, Intacct, Sage 100, Sage 300, Sage 50 Canada & US, NetSuite, Rent Manager, and more.

    Starting Price: Contact Us
  • 11
    Zangerine Icon

    Zangerine

    Zangerine

    Lô đề số Wholesalers in the United States! Automate & optimize your inventory, e-commerce, quotes & shipping from any computer or mobile device. WHAT CAN ZANGERINE DO FOR YOU? * Save money by eliminating errors * Reduce wasted time with automation * Grow sales with more efficient e-Commerce * Upgrade to real-time data that improves decision making * Increase security & accountability * Create competitive advantage with custom features ERP FEATURES * Purchasing * Inventory management * Barcode scanning * CRM * Sales quotes * Process payments * B2B e-Commerce platform * Customer portals * Order management * Multi-warehouse, 3PL & Dropship fulfillment * Pick, pack & shipping labels * RMA management * 58 Preset managerial accounting reports WHAT MAKES ZANGERINE DIFFERENT? * Our software is built specifically to fix the challenges of Wholesalers * Our team helps you go live in just 5 sessions * We are the only ones that GUARANTEE successful implementation

    Starting Price: $199.00/month
  • 12
    Prodoge Icon

    Prodoge

    Prodoge

    Prodoge is a platform for global business and payments. Anyone with the Prodoge mobile app can get started sending payments, promoting their business, and selling their goods & services in under a minute to anyone in the world. Prodoge helps buyers, sellers, friends, and family connect globally, send money, and grow their business. As a Peer to Peer platform, Prodoge does not act as a bank, charges zero fees to merchants, or people sending money, and settlements are near instant. No fees, no chargebacks, no waiting for your money. Global business is open to everyone. Start selling and sending payments today. Available now for iOS & Android. Supporting Dogecoin, Doge Cash, Verge, Digibyte, Bitcoin, and all major credit & debit cards via Stripe. Features: Mobile Point of Sale Mobile Invoicing & Payments Mobile Transaction Records Embeddable Widget Creator for Accepting Crypto Currency on Websites Profiles for accepting payments and selling your goods & services

    Starting Price: Free
  • 13
    RewardPay Icon

    RewardPay

    Payroc

    Lô đề số Rates: 0% credit card processing | 1.25% + $0.25 debit card processing | No contracts or termination fees| A+ BBB Rating. Enjoy zero cost credit card processing with no contracts or termination fees. With RewardPay powered by Payroc, your business can add a credit card fee to the total price that customers pay for a product or service. From total compliance with all major card brands to promoting full price transparency with customers, RewardPay is your solution.

    Starting Price: 0% credit card processing
  • 14
    PayPal Icon

    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.

  • 15
    Venmo Icon

    Venmo

    Venmo

    Lô đề số 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.

  • 16
    Payrexx Icon

    Payrexx

    Payrexx

    Payrexx is a Switzerland software company that was founded in 2014, and offers a software title called Payrexx. Payrexx offers training via documentation, live online, and in person sessions. Payrexx offers a free version, and free trial. Payrexx is payment processing software, and includes features such as debit card support, gift card management, online payments, POS transactions, recurring billing, mobile payments, and bitcoin compatible. With regards to system requirements, Payrexx is available as SaaS software. Costs start at $9.00/month/user. Payrexx includes online support, and business hours support. Some alternative products to Payrexx include Cayan, FlexPoint EMV Platform, and Upclick.

    Starting Price: $9.00/month/user
  • 17
    Biller Genie Icon

    Biller Genie

    Lô đề sốBiller Genie

    Lô đề số Biller Genie is an accounts receivable and e-invoicing solution. As a full-time automated accounting assistant, Biller Genie offers a wide range of benefits that supercharge your existing accounting software and make billing and invoicing a disciplined priority. They include: • Seamless integration with popular accounting software such as QuickBooks, Xero, AccountingSuite and more • Automation of the entire notification and follow-up process, including paper mail option • Integrated ACH, debit and credit card, and Apple Pay payments resulting in seamless reconciliation • A completely branded user experience to strengthen brand awareness • A dedicated customer portal that drives self-service • A late-fee manager that alerts customers about penalties associated with delinquencies • Elimination of duplicate data entry and errors Automate invoicing, accelerate payments, improve cash flow, & eliminate busy work with Biller Genie.

    Starting Price: $19.95 + 1.00% per invoice
  • 18
    Stripe Icon

    Stripe

    Stripe

    The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.

    Starting Price: 2.9% + 30¢ per successful charge
  • 19
    Paddle Icon

    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.

  • 20
    Chargebee Icon

    Chargebee

    Chargebee

    Lô đề số Chargebee is a India software company that was founded in 2011, and offers a software title called Chargebee. Chargebee offers training via documentation, webinars, and live online. Chargebee offers a free trial. Chargebee is accounts receivable software, and includes features such as customer portal, invoice history, mobile payments, Multi-Currency, online invoicing, online payments, Recurring/Subscription billing, payment processing, billing portal, tax calculator, dunning management, and contact database. With regards to system requirements, Chargebee is available as SaaS software. Costs start at $99.00/month. Chargebee includes online support, and 24/7 live support. Some alternative products to Chargebee include Fusebill Subscription Billing, PaySimple, and Armatic.

    Starting Price: $99.00/month
  • 21
    Razorpay Payment Gateway Icon

    Razorpay Payment Gateway

    Razorpay

    Razorpay is a software business formed in 2014 in India that publishes a software suite called Razorpay Payment Gateway. Razorpay Payment Gateway includes training via live online, and in person sessions. The Razorpay Payment Gateway product is SaaS, Mac, Windows, Android, iPhone, and iPad software. Razorpay Payment Gateway offers a free version. Razorpay Payment Gateway includes 24/7 live support. Razorpay Payment Gateway is payment processing software, and includes features such as debit card support, mobile payments, online payments, POS transactions, and recurring billing. Alternative competitor software options to Razorpay Payment Gateway include Cayan, FlexPoint EMV Platform, and Upclick.

  • 22
    Clearly Payments Icon

    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. http://www.clearlypayments.com

    Starting Price: $10.00/month
  • 23
    Bill.com Icon

    Bill.com

    Bill.com

    The team at Bill.com have mastered the art of Invoicing Processing by helping business virtually eliminate all of the traditional bill hassles known by Owners, Managers, and Accountants. Current customers agree that a process that use to take hours now takes minutes when using the intuitive features found in the interface. Users can process ACH payments, Manage Collections, Process Invoices, Manage Overpayments, and set-up Recurring Billing. The software also Sync seamlessly with QuickBooks, Xero, Sage Intacct, & NetSuite for simpler data entry, improved accuracy, and faster account reconciliation.

  • 24
    Square POS Icon

    Square POS

    Square

    Lô đề số Square POS is a simple and intuitive point-of-sale (POS) solution that delivers a robust set of tools for sales tracking, inventory, online payment processing, digital receipts, and analytics. Available for Android and iOS devices, Square POS provides a recording of transactions offline by storing data locally and then automatically syncing all information when their is an Internet connection. Additionally, Square POS enables users to seamlessly manage details, such as names, prices, quantities and provides features such as a barcode scanner, discounts, credit card processing, gift cards, refunds, and more.

  • 25
    PaymentCollect for QuickBooks Icon

    PaymentCollect for QuickBooks

    Payment Collect

    Lô đề số 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.

    Starting Price: Contact us for latest pricing.
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Payment Processing Software Overview

These days credit cards are the most popular payment method and they are essential to payment operations. Globally, consumers want user-friendly, flexible processes that include use of mobile devices to make payments. Companies reach customers where they live, on their phones, to increase sales and use of services.

Many of these mobile payment software products employ the same processing methods as traditional major credit card companies. Most credit card processing services did not anticipate this trend or the resulting chaos. Consumers are not inclined to navigate a confusing system and don’t appreciate surprise limitations and fees.

Small businesses are severely impacted, particularly start-ups. A lack of knowledge about credit card processing software may lead to making poor and costly decisions. Small business owners need to form reliable, trustworthy partnerships. Fortunately, loyal, professional companies are here to help build your business and prosper.

Understanding Payment Processing Software

The best payment processors offer transparency, owners also appreciate the premium customer services and straightforward fee policies. Companies service enthusiastic “e-tailers” and traditional brick and mortar operators.

Systems are now available for POS (Point of Sale) transactions, one of which is Square Point Of Sale. Another is Helcim, which focuses on subscription services. Premier retailer Sam’s Club has also weighed in.

Lô đề sốDo not underestimate the act of accepting credit card payment and actually getting paid. A lot goes into the process, make sure your system can handle any complications. This means being aware of the many steps involved and adept at smoothly handling each phase.

Lô đề sốYour software must handle the large number of sales on mobile devices, bridge the gap between services you provide and the payments that increase your bottom line. This review will not quote figures or contract terms as they definitely vary dependent on many factors.

This article guide trusted credit card processors, experts at CardFellow and FreedomPay were consulted. The processing companies were interviewed to enlighten buyers with real life demonstrations and fee information.

The ten software companies include the three listed above (Helcim, Sam’s Club and Square POS) and Flagship Merchant Services, Payline Data, Cayan, Payment Depot, Intuit QuickBooks Payments, CreditCardProcessing.com, and National Bankcard.

Initial Costs and Equipment

Lô đề sốToday’s payment facilitators compose a unique group of providers. Credit card companies are the top of the spectrum, they charge a flat fee rate for larger corporations like First Data, Flagship, Vantiv and Global Payments.

Lô đề sốEach entity clears credit card payments. Several contract with individuals and all of them work with intermediaries such as Independent Sales Organizations (ISOs) that are registered with a bank. The majority of services covered in this article are ISOs, examples are Sam’s Club Merchant Services, Cayan, and National Bank Card.

Lô đề sốIntuit QuickBooks and Square POS are designated merchant services aggregators. A sub-account is set up within established master merchant accounts.

Lô đề sốBusiness owners are the main users of payment processing software. Generally, they are subject to as many as three sets of fees: credit card company interchange fees, intermediary and processor transaction charges. There are a choice of pricing structures available to businesses based on monthly transactions, total amount of credit card payments and average sale amounts.

For example, the contrast between a store that sells big ticket items and that of a small coffee shop’s revenue demonstrates the need for different systems.

Credit card processing companies have extensive systems in place to handle major cards like Visa, American Express, Discover and MasterCard. They also fully service Android Pay, PayPal and Apple Pay. These are the most recognized mobile and digital payment models, however, new technological developments means the future will include cryptocurrency payment options. Cryptocurrency systems will impact retail and micropayments.

Lô đề sốAdditionally, more attention will focus on equipment for users who aren’t cloud-based. These include POS system terminals, mobile device credit card and swipe/dip card readers, tablets, and virtual terminals, all designed to accommodate e-commerce.

As previously mentioned, credit card companies determine interchange fees and every processor is charged the same amount. Corporate cards and rewards cards are in another class and pay higher fees.

Lô đề sốChargeback fees are unavoidable and also assessed differently by individual companies. When possibly fraudulent charges appear, processors manually review the payment in question and settle disputes between credit companies and merchants. Processor profit derives from fee markups or minimal transaction costs combined with a subscription fee.

Payment Processing Software Pricing

All service providers don’t initially disclose every additional charge, this is a lucrative component for profit. Cardfellow is a website for quote generation and reviews of credit card processing offerings. Staff there advise businesses to avoid bundled pricing because of the qualified and non-qualified rates that are offered. Confusion often results regarding prices for various transactions and the actual charge may not be clearly articulated.

It is your responsibility to review the merchant agreement carefully. Make sure you check for hidden fees and particularly cancellation fees. In the past, standard contracts.usually covered 3-years and automatically renewed at the end of that period. Currently, the payment processors are adapting new policies. It might be wise to ask for an amendment or a specific waiver in regard to cancellation charges. No one should be blind-sided.

Do diligent research for providers that use wholesale rates, Payment Depot is one to explore. This company charges a monthly subscription and minimal transaction fees. The merchant’s interchange fee is not marked up because this method balances losses.

Lô đề sốYou can estimate price using your total number of monthly transactions to decide which is the best plan for your business. This assures that you will not guesstimate too low or two high.

Another factor is the average amount of your sales each month. It’s essential to receive a contract that lists all fee charges. Per this agreement the processors should not be allowed to change fee amounts or institute and collect new fees.

A good business practice is to purchase the payment processing equipment your business will need. In fact, most of the companies discussed in this article directly sell their equipment or maintain agreements with hardware suppliers. Beware of “free equipment” sales talk, the fact is you may sign up for an expensive lease program.

Partnership bundles are a great option, a few hundred dollars will get you started with the basics. The price increases if you want the latest technology such as a POS system that interacts with cloud apps, supply chain and accounting issues.

Support and Compliance in the Payment Card Industry

Lô đề sốReputable providers incorporate the Payment Card Industry Data Security Standard (PCI DSS) for merchants with services. This is not a federal government requirement, the regulations are overseen by a private organization that is self-funded.

Lô đề sốSome of the PCI DSS rules are difficult to navigate if your business is a small enterprise and/or fairly new. Processors aren’t really involved in any of the rules, but still may charge compliance fees that start at $20 and may cost up to hundreds of dollars.

This is where a merchant services aggregator like Square Point makes sense. The sub-merchant account model means compliance costs are included in the company’s Merchant Account maintenance.

The processors discussed here mostly offer 24/7 technical support. Ideally you should also have a specific account manager assigned to your business when you sign the contract. Another consideration are firms like ControlScan and TrustWave if you don’t have tech support on site for your payment operations or your provider.

Lô đề sốDo a little investigation, place an after-hours call to the processor. This is a way to see how these calls are handled. Is there an annoying wait time or are these calls answered efficiently by knowledgeable staff?

Lô đề sốAlso verify whether support contact information is clearly visible on the website. A complicated and repetitive phone menu is another red flag. The importance of learning as much as you can about who you are doing business with can not be emphasized enough.

Types of Buyers

Lô đề sốIf you have a typical business, your customers can shop in store or online, secure in the knowledge that your inventory is the same in both locations. The e-commerce payment process discussed above operates smoothly with most business that feature an online component. You will acquire online processing of payments and a system for return items.

Other Types of Businesses that Use Payment Processing Software

  • E-Commerce Businesses: Businesses that are fully ecommerce also require payment processing. Online software connects the merchant account to payment collection and transaction processing. In-store POS is not needed to handle credit cards purchases.
  • Subscription Economy Businesses: This is a new trend, two examples are Blue Apron and Netflix. Membership and scheduled subscription fees define this business model. Most of these are e-businesses that do not have a physical site. The goal is to cultivate brand recognition and maintain loyal, satisfied consumers.

Purchase Considerations

Retail shops must have POS system software to operate. The programs focus on customer experience, sales, inventory and accounting. For help with implementation, download our POS checklist.

Development of an online business: once the physical store is established and the POS system is in place, focus on your online presence. Align your ecommerce strategy with the POS platform.

Lô đề sốRetail technology disruption: Uber, Instacart and Stich Fix all use subscription-based, on-demand service and support business models. These business reflect the change in consumer expectations in regard to buying experiences. Each of these companies, and others that use this model are considered disruptive because of game-changing practices that focus on consumer relations, brand loyalty, superior service and personal service.