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Best Payment Processing Software in 2026

Updated

In short: Helcim is ranked #1 of 68 as of 4 October 2026, ahead of PayPal Invoicing and Airwallex Payments. The best-ranked option with a free plan is PayPal Invoicing. The lowest first paid tier on this page is Stripe Terminal at $2.70/mo.

Accepting payments involves more than choosing how customers pay: you may also need to account for billing patterns, currencies and the timing of payouts. Compare the options on free plans, in-person payments, payment methods and links, plus recurring billing and multi-currency support. Payout schedules and paid-from pricing add useful details when weighing costs and cash flow. Mollie, Checkout.com and Airwallex Payments lead the ranked entries, with Helcim and Adyen also among the first options. Consider which payment methods and billing arrangements suit your business, then check whether the listed plans and payout terms fit how you operate.

68 payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.

68ranked
9free plans on this page
$2.70/molowest paid tier
4 Oct 2026last checked
#1 Helcim Top pick · 7.4 Free plan · Free #2 PayPal Invoicing Runner-up · 7.3 Free plan · Free #3 Airwallex Payments Also great · 7.2 Free plan · $12/mo
  1. 1

    Helcim

    7.4
    Free plan AndroidapiiOSmacOSWebWindows
    Free plan
    No
    Payment methods
    Visa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cards
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    Free About HelcimVisit site
  2. 2

    PayPal Invoicing

    7.3
    Free plan WebiOSAndroid
    Free plan
    No
    Payment methods
    cards, PayPal, Venmo, ACH Direct Debit, Apple Pay, Google Pay, local payment methods
    RecognisedDocumentedFree planPlatforms
    Free About PayPal InvoicingVisit site
  3. 3

    Airwallex Payments

    7.2
    Free plan AndroidapiiOSWeb
    Free plan
    Yes
    Payment methods
    Cards, digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methods
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    $12/mofirst paid tier About Airwallex PaymentsVisit site
  4. 4

    Kill Bill

    7.2
    Free planFree trial apiLinuxmacOSself-hostedWebWindows
    Free plan
    Yes
    Paid from
    40 /mo
    RecognisedDocumentedFree planPlatforms
    Free About Kill BillVisit site
  5. 5

    Mollie

    7.2
    Free plan AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    Credit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of sale
    RecognisedDocumentedFree planPlatforms
    €9/mofirst paid tier About MollieVisit site
  6. 6

    Checkout.com

    7.1
    Free plan AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers
    RecognisedDocumentedFree planPlatforms
    Free About Checkout.comVisit site
  7. 7

    MobilePay

    6.9
    Free plan AndroidiOS
    Free plan
    Yes
    RecognisedDocumentedFree planPlatforms
    Free About MobilePayVisit site
  8. 8

    SumUp Invoices

    6.9
    Free plan WebiOSAndroid
    Free plan
    Yes
    Paid from
    49 /mo
    RecognisedDocumentedFree planPlatforms
    £7/mofirst paid tier About SumUp InvoicesVisit site
  9. 9

    Checkout Page

    6.7
    Free plan Web
    Free plan
    Yes
    Paid from
    29 /mo
    Payment methods
    Visa, Mastercard, Amex, Apple Pay, Google Pay, PayPal, ACH Direct Debit, manual payments, bank transfers, bank debits, bank redirects, buy now pay later, real-time payments, vouchers, wallets
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    $24.17/mofirst paid tier About Checkout PageVisit site
  10. 10

    Pin Payments

    6.6
    apiiOSWeb
    Free plan
    Yes
    Payment methods
    Visa, Mastercard, American Express, eftpos, JCB, Discover, Diners Club, Apple Pay, Google Pay
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About Pin PaymentsVisit site
  11. 11

    Clover POS

    6.4
    Free trial AndroidiOSWeb
    Free plan
    No
    Payment methods
    credit and debit cards, Apple Pay, Google Pay, Samsung Pay, gift cards, PayPal, Venmo, Klarna, cash, check, BNPL, Pay by Bank
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About Clover POSVisit site
  12. 12

    Nexi Merchant Services

    6.4
    AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    Visa, Mastercard, Visa Electron, V-Pay, Maestro, JCB, UPI, PagoBANCOMAT, American Express, Google Pay, Apple Pay and other mobile and alternative payment methods
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About Nexi Merchant ServicesVisit site
  13. 13

    Stripe Terminal

    6.4
    AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    credit cards, debit cards, contactless cards, digital wallets
    RecognisedDocumentedFree planPlatforms
    $2.70/mofirst paid tier About Stripe TerminalVisit site
  14. 14

    Lightspeed Payments

    6.3
    AndroidiOSWeb
    Free plan
    No
    Paid from
    89 /mo
    Payment methods
    Credit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debit
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About Lightspeed PaymentsVisit site
  15. 15

    Payment Depot

    6.3
    AndroidiOSWeb
    Free plan
    No
    Payment methods
    credit and debit cards, ACH bank transfers
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    $19/mofirst paid tier About Payment DepotVisit site
  16. 16

    Rapyd

    6.3
    AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    Cards, bank transfers, digital wallets, cash, real-time payment networks, stablecoins
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    $99/mofirst paid tier About RapydVisit site
  17. 17

    Adyen

    6.2
    AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    ACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat Pay
    RecognisedDocumentedFree planPlatforms
    About AdyenVisit site
  18. 18

    Cashfree Payments

    6.2
    AndroidiOSWeb
    Payment methods
    UPI, Visa, Mastercard, RuPay, Maestro, bank transfer, PhonePe, ICICI Bank, Airtel Payments, JioMoney, Amazon Pay, PayPal, American Express, Diners Club, EMI, pay later, wallets
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About Cashfree PaymentsVisit site
  19. 19

    MoonClerk

    6.2
    Web
    Free plan
    No
    Paid from
    18 /mo
    Payment methods
    Credit and debit cards; ACH/e-checks; SEPA; BECS; Bacs; Apple Pay; Google Pay; Stripe Link; Cash App
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    $18/mofirst paid tier About MoonClerkVisit site
  20. 20

    Razorpay Payment Gateway

    6.2
    Free trial AndroidapiiOSWeb
    Free plan
    No
    Payment methods
    Cards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPI
    RecognisedDocumentedFree planPlatforms
    About Razorpay Payment GatewayVisit site
  21. 21

    SlimPay

    6.2
    AndroidapiiOSWeb
    Free plan
    No
    RecognisedDocumentedFree planPlatforms
    About SlimPayVisit site
  22. 22

    Pine Labs Online Payments

    6.1
    WebAndroidiOS
    Payment methods
    Cards, UPI, net banking, wallets, EMI, BNPL, pay by points, international cards, brand wallets and e-challans
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    No
    RecognisedDocumentedFree planPlatforms
    About Pine Labs Online PaymentsVisit site
  23. 23

    Plastiq

    6.1
    AndroidiOSWeb
    Free plan
    Yes
    Payment methods
    Credit cards, debit cards, bank transfers (ACH/EFT); eligible financing
    Recurring billing
    Yes
    Payment links
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About PlastiqVisit site
  24. 24

    Stripe ACH Direct Debit

    6.1
    apiWeb
    Free plan
    No
    Payment methods
    Cards, wallets, bank debits, bank transfers, buy now pay later, local payment methods, and stablecoins
    RecognisedDocumentedFree planPlatforms
    About Stripe ACH Direct DebitVisit site
  25. 25

    CIT Vericash

    6.0
    AndroidiOSWeb
    Payment methods
    Bank accounts, cards, QR, NFC, POS, e-commerce, P2P and international remittances
    Recurring billing
    Yes
    In-person payments
    Yes
    RecognisedDocumentedFree planPlatforms
    About CIT VericashVisit site

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Questions about this list

Which payment processing software is ranked first on Everything Xiaomi?

Helcim is ranked #1 of 68 with a score of 7.4. PayPal Invoicing is second and Airwallex Payments third.

How many of these have a free plan?

9 of the 25 on this page publish a free plan on their own pricing pages.

Which is the cheapest paid option?

On this page, Stripe Terminal has the lowest first paid tier we found: $2.70/mo.

How is this list ranked?

Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.

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