Payment Processing Software Comparison of 19 Payment Processing Tools Side by Side

19 products

Payment processing software lets a business accept cards and digital wallets online, in person or on subscriptions, and moves the money to its bank account. US merchants compare the per-transaction rate, payout speed, recurring billing support and how disputes and chargebacks are handled, because those decide the real cost of every sale.

Sell Payment Processing software? Get listed from $24 a month or feature it at the top of this category from $299 a week.

19 Payment Processing products

F

FutureAdvisor

Payment Processing

FutureAdvisor is an award-winning digital wealth management firm serving client households nationwide from our offices in San Francisco. We use software to power a wealth management experience accessible to everyone, at less than half the price charged by traditional firms. Our clients are the mass-affluent investors underserved by traditional financial advisory and wealth management firms. FutureAdvisor is leading a shift in financial services towards transparency, convenience and inclusion. FutureAdvisor is looking for engineers to help build better portfolio management tools for everyone. Our unbiased financial advice is giving middle- and working-class families powerful tools they never had access to before, and they're free. If our mission strikes a chord with you, please send us your resume: https://www.futureadvisor.com/jobs Social Media Community Policy: Content posted here by third-parties about FutureAdvisor remains the responsibility of the party posting the content, and is neither endorsed by FutureAdvisor nor representative of FutureAdvisor's viewpoints. Any opinions or statements posted by third parties are their own, and may not be indicative of others'​ experience or future performance or success. FutureAdvisor does not endorse or adopt any content on a third-party site linked to from this page. At its discretion, FutureAdvisor may remove any content containing violations of securities regulations; lewdness, personal attacks or obscenity; comments irrelevant to the topic at hand; or unsolicited advertisements and spam.

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Stripe

Stripe

Payment Processing

Stripe revolutionized online payment processing by providing developer-friendly APIs that make accepting payments as straightforward as integrating any other web service. The platform handles the complex compliance, security, and infrastructure challenges of payment processing, allowing businesses to focus on their products rather than payment logistics. Stripe's API-first design makes it flexible enough to power everything from simple e-commerce checkout flows to sophisticated marketplace platforms that split payments between multiple parties. The platform supports global payment methods including credit cards, digital wallets, bank transfers, and local payment methods across hundreds of countries. Stripe's suite of financial products extends beyond payments to include invoicing, billing subscriptions, fraud prevention, and business banking. The platform has become the foundation for thousands of online businesses, from startups to enterprises, who need reliable, scalable payment infrastructure.

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G

GoCardless

Payment Processing

At GoCardless we believe that bank payments are the best way to pay and get paid. We help businesses collect both recurring and one-off payments, without the chasing, stress or expensive fees. We’re building a global bank payment network that lets people make and collect payments straight from their bank account, across multiple countries and currencies. 75,000+ businesses around the world trust us to power their payments. We enable them to collect payments from 30+ countries, processing over $30 billion each year. Our suite of add-on products are helping businesses face their payment challenges head on. From automatically recovering failed payments, to challenging charge backs and fighting fraud - all without compromising their customer’s payment experience. Our open banking leadership unlocks the ability to make and accept direct bank payments confidently and securely. And our acquisition of Nordigen means we’re also helping businesses make faster and more informed decisions by accessing and generating insights from their customers’ bank account data. We’re also backed by some of the world’s leading investors including Accel Partners, Bain Capital Ventures, Balderton Capital, GV (formerly Google Ventures), Notion Capital, Passion Capital, Permira and Salesforce Ventures. We're a global team, with offices in London, Paris, Riga, Melbourne and New York.

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How to Choose Payment Processing Software

What US business buyers compare before they pay for Payment Processing software, so you can narrow the list above to two or three to trial.

1

Transaction fees

Most processors charge a percentage plus a fixed fee per card transaction. Compare the blended rate on your typical order size.

2

Online, in person or both

Card readers, point of sale and online checkout are not always offered by the same provider.

3

Subscriptions and invoicing

SaaS and service businesses need recurring billing, proration and dunning for failed payments.

4

Payouts and disputes

Payout timing, reserves and the chargeback process affect cash flow more than the headline rate.

Payment Processing Software Questions Buyers Ask

Short answers to the questions that come up while comparing Payment Processing products. Open any profile above for pricing, reviews and alternatives.

What is the cheapest way to accept credit card payments?

The cheapest option depends on your volume and average ticket. Flat-rate processors are simple and predictable for small businesses, while high-volume merchants often save with interchange-plus pricing. Compare the total effective rate on a month of your real transactions, including monthly and chargeback fees.

Which payment processor is best for SaaS subscriptions?

SaaS companies usually choose a processor with built-in recurring billing, automatic card updates, failed-payment retries and tax handling, plus a developer-friendly API. These features reduce involuntary churn, which often matters more than a small difference in rates.

All 19 Payment Processing products from A to Z

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