I consider getting paid must be a easy, straight-forward course of, not a anxious one.

As companies develop, so does the necessity for dependable, safe, and versatile fee processing software program. However the extra I spoke with enterprise homeowners, the clearer it grew to become: the unsuitable fee processing software program may cause actual issues.

Delayed transactions, complicated checkout experiences, and sudden charges can all quietly eat away at income and buyer belief. That realization led me to dig deeper into the fee processing panorama.

I didn’t skim by product pages, I evaluated the highest fee processing software program primarily based on actual buyer suggestions utilizing G2 information. By analyzing verified critiques, I got down to discover the instruments that truly ship safe, seamless, and cost-effective fee experiences.

The worldwide fee processing software program market was estimated at USD 66.8 billion in 2024, with forecasts suggesting it is going to broaden at a compound annual development fee (CAGR) of 11.7% from 2025 by 2034.

6 greatest fee processing software program I’d advocate

Funds could seem easy at first look — settle for the cash, full the sale, transfer on. However behind each easy transaction is a fancy fee system dealing with safety, authorization, reporting, and reconciliation. 

The fitting fee processing software program is not nearly getting paid, it is about defending your money movement, delivering a seamless buyer expertise, and establishing your small business to scale. Whether or not it is an e-commerce retailer managing subscriptions, a B2B firm dealing with massive invoices, or a retail model promoting throughout a number of channels, the proper processor makes each transaction sooner, safer, and less complicated.

When reviewing suggestions and analyzing real-world buyer experiences, just a few platforms persistently rose to the highest. Some deal with flexibility with multi-currency help and customizable checkout flows, whereas others shine with superior fraud safety and low transaction charges. 

The fee processing platforms I like to recommend under mirror that steadiness. Every provides a novel set of strengths, however what they share is a confirmed monitor file of serving to companies streamline transactions, construct belief, and develop with out friction. 

My standards for evaluating the very best fee processing software program 

I’ve spent sufficient time analyzing fee platforms to know that engaging interfaces and massive model names don’t at all times translate right into a easy expertise for companies. So I mixed consumer insights from G2 critiques with hands-on analysis and have evaluation to construct a standards set grounded in what truly issues. Here is what I prioritized:

• Fee methodology flexibility: An excellent fee processor ought to meet clients the place they’re. I regarded for platforms that help a variety of fee choices — credit score and debit playing cards, ACH transfers, cell wallets like Apple Pay and Google Pay, and even buy-now-pay-later companies. The extra choices a processor helps, the less gross sales companies threat dropping at checkout.
• Transaction safety and compliance: Belief is the whole lot when dealing with funds. I prioritized platforms that supply PCI DSS compliance, end-to-end encryption, tokenization of buyer information, and built-in fraud detection. Instruments that additionally layer on extra options like two-factor authentication, chargeback administration, and safe buyer vaults stood out much more.
  
• Checkout expertise: The checkout course of ought to really feel frictionless, not clunky. I gave choice to software program that gives customizable, mobile-optimized checkout pages, easy-to-embed fee kinds, and the power to model the fee expertise. Bonus factors for one-click checkout choices and versatile APIs that permit companies to tailor the expertise throughout platforms.
• Clear pricing and costs: Hidden charges can quietly chip away at income. I prioritized processors that supply clear, upfront pricing fashions and aggressive transaction charges with out hidden surcharges. I additionally checked out how shortly companies can entry their funds, favoring platforms that supply quick settlements, same-day payouts, or versatile funding choices to help wholesome money movement. Past processing funds, many companies additionally use procure-to-pay software program to unify buying, invoicing, and funds in a single streamlined system.
• Recurring billing and subscription administration: For companies that depend on ongoing funds, good subscription administration is non-negotiable. I evaluated whether or not every processor provided recurring billing, automated invoicing, dunning administration, and instruments to scale back churn, important options for SaaS firms, membership platforms, and service-based companies.
• Multi-currency help: In an more and more international economic system, fee processors have to deal with worldwide transactions gracefully. I regarded for instruments that supply multi-currency help, native fee strategies, clear foreign money conversion charges, and compliance with cross-border laws to assist companies broaden with out friction.
• Reporting and analytics: Visibility into transactions and tendencies is important. I regarded for platforms that present real-time dashboards, detailed settlement reviews, chargeback insights, and buyer fee historical past monitoring. Good reporting instruments assist companies optimize processes, spot points early, and preserve management over income operations.

Over the span of a number of weeks, I researched and evaluated round 25+ fee processing software program. I narrowed down the very best six primarily based on their options and ease of use. 

To be included on this class, an answer should:

• Acquire buyer fee info and relay it to a financial institution for approval or denial
• Transmit approval or denial of a transaction again to the client or service provider
• Support a number of fee strategies comparable to bank card, ACH, or wire switch
• Define and monitor customizable fee guidelines, phrases, and deadlines
• Identify errors comparable to late funds, overpayments, or failed transactions
• Integfee with ERP, accounting, or accounts receivable and accounts payable systems

*This information was pulled from G2 in 2025. Some critiques could have been edited for readability. 

From the critiques I evaluated, it’s fairly clear that PayPal Funds has earned its spot as a go-to fee platform for lots of customers.

What got here up time and again was simply how simple it’s to make use of. The interface feels intuitive, whether or not you are sending cash to a buddy, paying for a web-based buy, or setting it up by yourself web site. Folks genuinely admire not having to leap by hoops to get issues performed.

The safety issue is a serious spotlight. Time and again, customers name out how trusted and protected the platform feels. That form of peace of thoughts is big, particularly while you’re coping with funds that cross borders or contain delicate monetary particulars. Whether or not you are shopping for one thing on Etsy or receiving fee from abroad, there’s a way that PayPal has your again.

One factor that basically stood out within the suggestions was how extensively accepted PayPal is. It’s in every single place. From main on-line retailers to small digital shops and that makes it extremely handy. On prime of that, the worldwide fee help will get quite a lot of love. G2 customers point out having the ability to ship and obtain funds globally with ease, which is a giant deal for freelancers, distant employees, and international companies.

Technically talking, I observed a number of critiques calling out API integration and in a constructive method. That’s the form of developer-friendly expertise that makes an actual distinction behind the scenes. Others highlighted neat options like QR code era for fast in-person funds and invoicing instruments that assist streamline enterprise transactions.

Many reviewers on G2 spotlight PayPal’s ease of setup and international model belief, particularly for receiving funds from worldwide clients. On the similar time, some word that the payment construction — protecting transaction prices, withdrawal fees, or foreign money conversion can really feel excessive for sure use circumstances. For instance, one G2 consumer praised PayPal’s reliability for on-line donations however talked about that “the charges are a tough bullet to chew” for nonprofits. Total, companies proceed to make use of PayPal for its attain and safety, even when they control fee-related bills.

G2 reviewers typically acknowledge PayPal’s sturdy purchaser safety and international accessibility, calling it a safe choice for cross-border funds. Nonetheless, a recurring theme in suggestions is that account critiques or flagged transactions could generally delay fund entry. Whereas these holds are designed so as to add a layer of safety, small companies have expressed that they’d desire faster entry to working capital.

All in all, PayPal provides a strong, versatile platform that balances simplicity with sturdy performance. It’s quick, extensively supported, and customarily dependable. In the event you’re working a web-based enterprise or doing cross-border transactions, there’s quite a bit to like.

What I dislike about PayPal Funds: 

• When coping with foreign money conversions, G2 customers felt just like the charges weren’t aggressive. It’s a refined however constant level talked about by worldwide customers.
• One of the vital frequent G2 consumer suggestions was about excessive charges, particularly for worldwide transactions, foreign money conversions, and business-related funds.

What G2 customers dislike about PayPal Funds: 

“I do not like some service payment its to excessive simply to switch to different financial institution and the method its take some enterprise working 7 days earlier than it mirror to my PayPal dashboard.”

– PayPal Funds Overview, Richard P. 

One factor is tremendous clear: Amazon Pay for Enterprise is a platform constructed on belief. Amazon Pay for Enterprise earns a 4.5/5 common on G2, with 90% of customers appreciating its seamless e-commerce integration for sooner on-line transactions. The model recognition alone goes a great distance. G2 reviewers like that it is backed by Amazon and the truth that it’s already built-in throughout so many platforms. It makes adoption really feel pure. That title carries weight, and for lots of customers, it made the onboarding really feel simpler and extra credible. 

A recurring theme amongst critiques was how simple it’s to make use of. Whether or not it’s for sending cash, receiving funds from clients, or scanning QR codes, the interface simply is sensible to most individuals. Phrases like easy, user-friendly, and easy got here up typically, particularly from smaller enterprise homeowners who don’t have time to cope with clunky dashboards.

In relation to core performance, the fundamentals work effectively. G2 consumer suggestions persistently praised how shortly funds course of, how seamless UPI transactions really feel, and the way handy it’s to handle the whole lot in a single place. It’s not nearly doing funds, customers additionally talked about liking the power to deal with invoice funds, recharges, and service provider companies by one account.

Oh, and the cashback provides? Folks undoubtedly discover them. A number of G2 critiques talked about these little incentives as a motive they caught with the platform. Getting rewarded for normal transactions, even small ones — made Amazon Pay really feel like extra than simply one other fee app.

On G2, PayPal’s cell app is usually praised for handy options like invoicing on the go and safe transactions. Actually, one reviewer shared that the power to ship invoices instantly from the app was an actual time-saver in comparison with opponents. On the similar time, just a few customers talked about that the app can really feel much less easy than the online model, pointing to occasional slowness or navigation delays. Whereas the performance is usually there, reviewers famous that efficiency stability might be extra constant.

Many G2 reviewers describe Amazon Pay as simple to make use of with sturdy money again rewards and seamless integration for on a regular basis funds. A number of famous that it’s handy to deal with payments, buying, and ticket bookings multi function place. Alongside this, some G2 reviewers did report slower load occasions or app crashes throughout heavier utilization, which might have an effect on transactions at peak durations. 

Total, Amazon Pay for Enterprise appears to do quite a lot of issues proper: it’s trusted, simple to make use of, feature-packed, and rewarding. However primarily based on what G2 customers shared, it nonetheless has some kinks to iron out with regards to app stability, transaction reliability, and help throughout important moments. If these areas enhance, I’d say it has the whole lot it must be a long-term participant within the fee sport.

What I dislike about Amazon Pay for Enterprise: 

• One frequent suggestions was the slowness of the applying, particularly throughout busy occasions. It will get tough while you’re making an attempt to shut a sale shortly. Nonetheless, this is not at all times the case. 
• Just a few customers stated they struggled a bit with the interface at first, particularly in the event that they weren’t already conversant in Amazon’s structure and instruments. As soon as conversant in the device, it was simpler to make use of. 

What G2 customers dislike about Amazon Pay for Enterprise: 

“It’s sluggish and buffers quite a bit and generally due to this, transactions fail and cash will get debited and are caught for days after that, though the customer support help is unimaginable to assist out.” 

– Amazon Pay for enterprise Overview, Vaidehi Ok.

FreshBooks earns constructive mentions on G2 for its integrations with fee gateways like Stripe and PayPal, which assist small companies acquire funds sooner. On the similar time, just a few G2 customers shared that financial institution connections sometimes disconnect or balances don’t at all times sync easily. These situations aren’t common however spotlight an space the place reliability might enhance.

G2 consumer suggestions continuously admire FreshBooks’ built-in fee choices and ease of sending invoices, however some talked about that refunds take longer to course of than they’d like . Others flagged that the two-factor authentication (2FA) requirement, whereas enhancing safety, can really feel repetitive when logging in a number of occasions a day .

Backside line? FreshBooks delivers quite a bit the place it issues: invoicing, ease of use, reporting, and time monitoring. In the event you’re a freelancer or small enterprise who wants sensible, no-fuss accounting, it’s a robust contender. Simply know that as your small business grows, you might end up needing a bit extra flexibility.

What I dislike about FreshBooks: 

• I observed complaints concerning the app being buggy or missing a few of the desktop options. However the help crew was at all times out there. 
  
• Some customers talked about lack of integration with their selection of software program. 

What G2 customers dislike about FreshBooks: 

“What I dislike about FreshBooks is the limitation on the variety of purchasers for sure plans and the necessity for workarounds to handle extra purchasers. As a premium paying consumer, these restrictions really feel irritating, particularly when I’ve to delete and undelete purchasers simply to remain throughout the restrict. It’s a bit cumbersome for what must be a easy course of, and I want there have been extra flexibility on this space.”

– FreshBooks Overview, Brent G.

Stripe’s obtained quite a bit going for it with regards to ease of use and setup. It is fast to get began with, whether or not you are a developer spinning up a brand new SaaS platform or a enterprise proprietor plugging it into your web site. The dashboard feels intuitive, and also you don’t have to be buried in technical documentation simply to ship your first bill or acquire your first fee.

However in case you are the technical sort, Stripe’s API documentation is a standout function. Builders repeatedly stated the docs are clear, well-structured, and backed with working examples. G2 suggestions praised how easy the combination is with different platforms.

Customers additionally admire the big selection of fee strategies. From bank cards to Apple Pay, Google Pay, Affirm, Klarna, and extra. Stripe offers companies quite a lot of flexibility in how they settle for funds. That’s a giant win for conversion, particularly while you’re working with a world viewers or throughout completely different units.

The dashboard and reporting instruments obtained particular consideration. G2 consumer suggestions talked about how one can generate reviews, export information, and even run customized information queries, which is extremely useful for finance groups or anybody making an attempt to get a deeper take a look at efficiency. Stripe’s deal with safety and PCI compliance additionally exhibits by. Customers persistently talked about that they really feel assured dealing with buyer funds with out stressing over compliance checklists.

On the similar time, G2 customers continuously point out that transaction and refund charges will be pricey, particularly for small companies. Some G2 reviewers identified that charges apply even when processing refunds, which some felt added pointless overhead.

G2 consumer suggestions persistently spotlight Stripe’s pace in powering on-line checkouts and the breadth of fee strategies supported. Nonetheless, payout timing was a recurring theme in critiques. Key insights from G2 customers shared that funds might take longer to succeed in their accounts, notably over weekends. 

Briefly, Stripe provides a strong, versatile fee system that’s particularly interesting when you want sturdy integration capabilities, a developer-friendly API, and various fee choices. It’s trusted, safe, and full of options.

What I dislike about Stripe Funds: 

• Whereas some folks praised the help crew, others stated they skilled sluggish responses or had a tough time getting assist when points had been pressing.
• I do discover Stripe Funds curiosity charges have elevated over time which makes it tough to make use of for small companies.

What G2 customers dislike about Stripe Funds: 

“They’ll block your account with out offering any clarification, and in such circumstances, technical help doesn’t reply in any respect. You haven’t any concept why your account was blocked, and there’s nothing you are able to do about it. This ends in monetary losses and disrupts all work processes.

I like to recommend connecting an extra fee system as a backup in case of a block. We use the fraud prevention service Radar, and since its implementation, account blocks haven’t occurred anymore. Nonetheless, it’s fairly costly.”

– Stripe Funds Overview, Evgeniya P. 

From the critiques I evaluated, Thryv appears to strike an actual chord with small enterprise homeowners who need to preserve the whole lot in a single place. Loads of customers talked about how useful it’s been for managing their enterprise end-to-end. From shopper communication to scheduling to social media. What got here up time and again was that Thryv isn’t only a CRM or a scheduler, it’s the central hub for his or her operations.

One function that obtained a ton of reward was social media administration. A number of G2 customers appreciated having the ability to create, schedule, and publish to their social channels instantly from the platform. For enterprise homeowners who aren’t eager on juggling 5 apps simply to remain seen on-line, this function was a giant aid.

The suggestions round buyer help was largely constructive. G2 evaluate suggestions described the help crew as responsive, useful, and simple to work with, particularly throughout onboarding or after they had technical questions. It’s clear that Thryv has invested in ensuring its crew is accessible and customer-centric.

There was additionally constant reward for a way pleasant and well-designed the platform is. I additionally observed a number of shoutouts for web site integration, which appears to work easily and is very helpful for companies and not using a devoted internet dev crew.

G2 consumer critiques praised the software program’s ease of use and talent to simplify day-to-day work, however some additionally expressed a need for expanded performance. Mentions of extra superior automation, richer reporting instruments, and extra integrations surfaced as frequent requests. These critiques recommend that whereas the muse is robust, there’s urge for food for the product to proceed evolving in depth.

G2 reviewers typically spotlight the platform’s intuitive design and dependable workflows, noting it makes fee operations smoother total. On the similar time, a lot of customers talked about that sure duties might really feel extra time-intensive, or that help responses, although usually useful, generally arrived later than they’d hoped. As shared in G2 suggestions, these had been extra minor pace bumps than dealbreakers, however they did seem persistently sufficient to be value noting.

Suggestions gathered from G2 additionally factors to strengths in managing buyer information and protecting monetary information organized. Nonetheless, a handful of reviewers recommended that larger flexibility in shopper information dealing with, together with improved permission and entry controls, would improve the expertise additional. These feedback underscore that the platform is efficient, however there’s room for refinement in shopper administration options.

All in all, Thryv appears to do quite a bit proper. Customers worth the way it pulls collectively enterprise necessities — CRM, scheduling, communications, even social media into one place. The platform is accessible, backed by a supportive crew, and designed to make working a enterprise rather less chaotic. It’s nonetheless evolving.

What I dislike about Thryv:

• It takes some time to study and get used to the whole lot the platform has to supply. Might be time-consuming. 
• Typically the applying will be sluggish to load and trigger delays. 

What G2 customers dislike about Thryv:

“The app wants some optimization. If you’re within the area and have to entry someones buyer card for info or to add one thing or to take a fee, it must be fast and seamless. Presently the app will be sluggish however total continues to be does a great job of offering the data wanted.” 

– Thryv Overview, Brandon M.

What stood out straight away is how a lot belief customers have in Checkout.com as a fee platform. Throughout the board, folks described it as a dependable resolution with a user-friendly interface, strong fee processing capabilities, and a robust help crew backing it up. Whether or not you are a developer integrating funds through API or a enterprise proprietor managing your account dashboard, customers felt just like the expertise was easy and easy. 

The fee system itself earns quite a lot of reward. I noticed a number of customers spotlight how secure and constant the platform is with regards to dealing with transactions. For companies that course of excessive volumes of funds every day, that form of reliability actually issues. Just a few reviewers additionally appreciated the pace and safety of transactions, together with the power to handle worldwide funds seamlessly.

One of many greatest positives that stored arising was help. Loads of G2 customers shared that after they reached out, particularly throughout onboarding or implementation the help crew was responsive and useful. Some even talked about their account managers by title, which says quite a bit concerning the form of personalised service they felt they had been getting.

Reviewers persistently spotlight checkout.com’s power in delivering a dependable, safe, and easy fee expertise. Alongside that reward, there have been additionally requests for the platform to go additional, with some noting that enhanced reporting, extra customizable instruments, or deeper automation could be welcome additions. The general sentiment is that checkout.com covers the necessities very effectively, whereas customers are excited to see it proceed increasing its function set.

Suggestions additionally factors to checkout.com’s ease of use and clear account setup course of, which many groups discovered useful. A smaller set of customers, nevertheless, wished for larger flexibility in managing accounts throughout groups or tailoring workflows extra intently to their wants. These feedback typically got here with the popularity that checkout.com is already sturdy in core capabilities however has the potential to be much more aggressive in function depth in comparison with different main platforms.

Builders continuously commend checkout.com’s easy API and easy integration course of, noting how shortly it connects into their methods. Whereas the suggestions right here was largely constructive, just a few reviewers recommended that increasing the out there tooling or superior integration choices would make the expertise even stronger. This displays a product that already meets expectations however might elevate its enchantment additional with continued growth.

Backside line: checkout.com is a robust, secure, easy-to-use fee processor, and G2 suggestions clearly admire the crew behind it. In the event you’re in search of a platform that will get the job performed and retains issues user-friendly, it’s a strong decide. However primarily based on what customers shared, there’s nonetheless room to develop.

What I dislike about checkout.com:

• The payment construction will be considerably complicated to navigate, particularly for brand new clients. 
• Some customers felt that, in comparison with greater gamers, Checkout.com doesn’t provide the identical pricing flexibility. 

What G2 customers dislike about checkout.com:

“There’s room for them to broaden their vary of services and products. Plus, having an even bigger affect over third events to assist pace up course of resolutions could be a giant plus.”

– checkout.com Overview, Luis C. 

Seeking to dig deeper into fee processing? Take a look at the very best Fee Gateway Software program to know how funds transfer securely between your clients and your small business.