I Evaluated the 6 Greatest Fee Processing Software program for 2025

I consider getting paid needs to be a easy, straight-forward course of, not a nerve-racking one.

As companies develop, so does the necessity for dependable, safe, and versatile cost processing software program. However the extra I spoke with enterprise homeowners, the clearer it grew to become: the flawed cost 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 cost processing panorama.

I didn’t skim via product pages, I evaluated the highest cost processing software program based mostly on actual buyer suggestions utilizing G2 knowledge. By analyzing verified opinions, I got down to discover the instruments that really ship safe, seamless, and cost-effective cost experiences.

6 greatest cost 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 clean transaction is a fancy cost system dealing with safety, authorization, reporting, and reconciliation. 

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

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

The cost processing platforms I like to recommend beneath mirror that stability. Every affords a novel set of strengths, however what they share is a confirmed observe file of serving to companies streamline transactions, construct belief, and develop with out friction. 

My standards for evaluating the very best cost processing software program 

I’ve spent sufficient time analyzing cost platforms to know that engaging interfaces and massive model names don’t all the time translate right into a clean expertise for companies. So I mixed person insights from G2 opinions with hands-on analysis and have evaluation to construct a standards set grounded in what really issues. This is what I prioritized:

• Fee methodology flexibility: An incredible cost processor ought to meet clients the place they’re. I seemed for platforms that assist a variety of cost 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 danger shedding at checkout.
• Transaction safety and compliance: Belief is every thing when dealing with funds. I prioritized platforms that provide PCI DSS compliance, end-to-end encryption, tokenization of buyer knowledge, and built-in fraud detection. Instruments that additionally layer on further 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 provides customizable, mobile-optimized checkout pages, easy-to-embed cost varieties, and the flexibility to model the cost 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 provide clear, upfront pricing fashions and aggressive transaction charges with out hidden surcharges. I additionally checked out how rapidly companies can entry their funds, favoring platforms that provide quick settlements, same-day payouts, or versatile funding choices to assist wholesome money circulate.
• 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 cut back churn, important options for SaaS firms, membership platforms, and service-based companies.
• Multi-currency assist: In an more and more world financial system, cost processors must deal with worldwide transactions gracefully. I seemed for instruments that provide multi-currency assist, native cost strategies, clear forex conversion charges, and compliance with cross-border rules to assist companies increase with out friction.
• Reporting and analytics: Visibility into transactions and developments is vital. I seemed for platforms that present real-time dashboards, detailed settlement studies, chargeback insights, and buyer cost historical past monitoring. Good reporting instruments assist companies optimize processes, spot points early, and keep management over income operations.

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

To be included on this class, an answer should:

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

*This knowledge was pulled from G2 in 2025. Some opinions might have been edited for readability. 

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

What got here up time and again was simply how straightforward 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 website. Individuals genuinely recognize not having to leap via hoops to get issues accomplished.

The safety issue is a serious spotlight. Time and again, customers name out how trusted and secure the platform feels. That form of peace of thoughts is large, particularly once 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 cost from abroad, there’s a way that PayPal has your again.

One factor that actually stood out within the suggestions was how broadly 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 high of that, the worldwide cost assist will get plenty of love. Customers point out having the ability to ship and obtain funds globally with ease, which is a giant deal for freelancers, distant staff, and world companies.

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

That stated, there was some vital suggestions as properly. One such issue was the charge construction. Between transaction charges, withdrawal expenses, and forex conversion charges, some customers really feel the prices stack up rapidly, particularly for worldwide funds or when shifting cash between accounts. 

I additionally picked up on a theme of fund holds and account freezes. A number of customers talked about frustrations with not having the ability to entry their cash instantly, significantly when PayPal flagged a transaction or account for assessment. These delays may be nerve-racking, particularly for small companies or people counting on that money circulate. 

Lastly, the dispute decision course of earned some criticism for being prolonged or not favoring the client, particularly in instances the place the state of affairs wasn’t black and white.

All in all, PayPal affords a strong, versatile platform that balances simplicity with strong performance. It’s quick, broadly supported, and customarily dependable. For those who’re working a web-based enterprise or doing cross-border transactions, there’s loads to like.

What I dislike about PayPal Funds: 

• When coping with forex conversions, 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 widespread complaints was about excessive charges, particularly for worldwide transactions, forex conversions, and business-related funds.

What G2 customers dislike about PayPal Funds: 

“I do not like some service charge 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 Assessment, Richard P. 

One factor is tremendous clear: Amazon Pay for Enterprise is a platform constructed on belief. The model recognition alone goes a good distance. Customers 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 identify carries weight, and for lots of customers, it made the onboarding really feel simpler and extra credible. 

A recurring theme amongst opinions was how straightforward 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 smart to most individuals. Phrases like easy, user-friendly, and simple got here up usually, particularly from smaller enterprise homeowners who don’t have time to cope with clunky dashboards.

With regards to core performance, the fundamentals work properly. Customers persistently praised how rapidly funds course of, how seamless UPI transactions really feel, and the way handy it’s to handle every thing in a single place. It’s not nearly doing funds, customers additionally talked about liking the flexibility to deal with invoice funds, recharges, and service provider companies via one account.

Oh, and the cashback affords? Individuals undoubtedly discover them. A number of customers 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 cost app.

Some customers had points particularly with the cell app. I noticed a number of opinions the place individuals described crashes, lag, or basic clunkiness that made the cell expertise much less gratifying than the online model. The performance is perhaps there, however the reliability clearly isn’t all the time constant.

A couple of opinions touched on the concept Amazon Pay, regardless of being a giant model, doesn’t all the time ship at scale. They talked about slowness throughout peak instances or transactions timing out.

General, Amazon Pay for Enterprise appears to do plenty of issues proper: it’s trusted, straightforward to make use of, feature-packed, and rewarding. However based mostly on what customers shared, it nonetheless has some kinks to iron out in the case of app stability, transaction reliability, and assist throughout vital moments. If these areas enhance, I’d say it has every thing it must be a long-term participant within the cost recreation.

What I dislike about Amazon Pay for Enterprise: 

• A standard criticism was the slowness of the appliance, particularly throughout busy instances. It will get troublesome once you’re attempting to shut a sale rapidly.
• A couple of customers stated they struggled a bit with the interface at first, particularly in the event that they weren’t already accustomed to Amazon’s structure and instruments.

What G2 customers dislike about Amazon Pay for Enterprise: 

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

– Amazon Pay for enterprise Assessment, Vaidehi Ok.

Financial institution and cost gateway syncing can be a minor setback at instances. I got here throughout mentions of financial institution accounts disconnecting, balances not syncing correctly, and points with platforms like Stripe or PayPal.

A couple of customers flagged refund processing as complicated, and others didn’t love the compelled 2FA verification steps, particularly when logging in often. I additionally noticed pricing will increase that didn’t really feel justified for rising groups.

Backside line? FreshBooks delivers loads the place it issues: invoicing, ease of use, reporting, and time monitoring. For those who’re a freelancer or small enterprise who wants sensible, no-fuss accounting, it’s a robust contender. Simply know that as what you are promoting grows, it’s possible you’ll end up needing a bit extra flexibility.

What I dislike about FreshBooks: 

• I observed complaints concerning the app being buggy or missing among the desktop options. However the assist staff was all the time out there. 
  
• Some customers talked about lack of integration with their alternative of software program. 

What G2 customers dislike about FreshBooks: 

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

– FreshBooks Assessment, Brent G.

Stripe’s obtained loads going for it in the case of 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 website. The dashboard feels intuitive, and also you don’t have to be buried in technical documentation simply to ship your first bill or gather your first cost.

However in case you are the technical kind, Stripe’s API documentation is a standout characteristic. Builders repeatedly stated the docs are clear, well-structured, and backed with working examples. A variety of customers praised how clean the combination is with different platforms.

Customers additionally recognize the big selection of cost strategies. From bank cards to Apple Pay, Google Pay, Affirm, Klarna, and extra. Stripe offers companies plenty of flexibility in how they settle for funds. That’s a giant win for conversion, particularly once you’re working with a worldwide viewers or throughout totally different gadgets.

The dashboard and reporting instruments obtained particular consideration. Customers talked about how one can generate studies, export knowledge, and even run customized knowledge queries, which is extremely useful for finance groups or anybody attempting to get a deeper take a look at efficiency. Stripe’s concentrate on safety and PCI compliance additionally reveals via. Customers persistently talked about that they really feel assured dealing with buyer funds with out stressing over compliance checklists.

Fees have been a giant sticking level. Many customers flagged Stripe’s transaction and refund processing charges as costly, significantly for smaller companies. And it’s not simply the fee, some individuals discovered it complicated how charges are calculated or once they apply.

One other widespread thread was round account points. Payout delays, particularly over weekends was one thing that got here up in a few opinions. Whereas the core of Stripe’s cost engine is quick, these delays can go away companies ready longer than anticipated to entry their cash.

In brief, Stripe affords a strong, versatile cost system that’s particularly interesting if you happen to want robust integration capabilities, a developer-friendly API, and various cost choices. It’s trusted, safe, and filled with options.

What I dislike about Stripe Funds: 

• Whereas some individuals praised the assist staff, others stated they skilled sluggish responses or had a tough time getting assist when points have been pressing.
• I do discover Stripe Funds curiosity charges have elevated over time which makes it troublesome 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 instances, technical assist doesn’t reply in any respect. You don’t have any thought 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 cost 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. Nevertheless, it’s fairly costly.”

– Stripe Funds Assessment, Evgeniya P. 

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

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

The suggestions round buyer assist was largely optimistic. Customers described the assist staff as responsive, useful, and simple to work with, particularly throughout onboarding or once they had technical questions. It’s clear that Thryv has invested in ensuring its staff 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 staff.

That stated, not everybody had a seamless expertise. One theme that got here up usually was round options individuals want the platform had. Whether or not it’s extra superior automation, deeper reporting, or integrations, there’s clearly a want for the platform to develop in depth.

Some customers felt that sure processes inside the platform have been time-consuming, or that assist responses, whereas useful, generally took longer than anticipated. It wasn’t a dealbreaker for many, however it was sufficient to be talked about.

A handful of opinions talked about points with account and consumer administration, like wanting extra flexibility with how consumer knowledge is saved or displayed, or higher controls round permissions and entry. 

All in all, Thryv appears to do loads 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 staff, 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 every thing the platform has to supply. Will be time-consuming. 
• Generally the appliance may be sluggish to load and trigger delays. 

What G2 customers dislike about Thryv:

“The app wants some optimization. Once you’re within the area and must entry someones buyer card for info or to add one thing or to take a cost, it must be fast and seamless. At the moment the app may be sluggish however general remains to be does job of offering the knowledge wanted.” 

– Thryv Assessment, Brandon M.

What stood out instantly is how a lot belief customers have in Checkout.com as a cost platform. Throughout the board, individuals described it as a dependable answer with a user-friendly interface, stable cost processing capabilities, and a robust assist staff backing it up. Whether or not you are a developer integrating funds by way of API or a enterprise proprietor managing your account dashboard, customers felt just like the expertise was clean and simple. 

The cost system itself earns plenty of reward. I noticed a number of customers spotlight how secure and constant the platform is in the case of dealing with transactions. For companies that course of excessive volumes of funds each day, that form of reliability actually issues. A couple of reviewers additionally appreciated the velocity and safety of transactions, together with the flexibility to handle worldwide funds seamlessly.

One of many greatest positives that stored developing was assist. A variety of customers shared that once they reached out, particularly throughout onboarding or implementation the assist staff was responsive and useful. Some even talked about their account managers by identify, which says loads concerning the form of personalised service they felt they have been getting.

Although many individuals cherished the platform, there have been additionally clear requests for higher or further options. A recurring theme was that checkout.com may do extra, whether or not it’s enhanced reporting, extra customizable instruments, or higher automation choices. Some customers felt just like the platform delivers the fundamentals properly, however may add extra options. 

 A couple of customers talked about they didn’t have the flexibleness they wished in how accounts have been arrange or managed throughout groups. There have been additionally refined notes concerning the platform needing to be extra aggressive, significantly when it comes to characteristic depth and customization in comparison with different main gamers within the area.

The API and integration expertise appear optimistic. Builders discover it straightforward to plug into their techniques, however there have been additionally hints that extra strong options or tooling may make these integrations even higher.

Backside line: checkout.com is a robust, secure, easy-to-use cost processor, and customers clearly recognize the staff behind it. For those who’re on the lookout for a platform that will get the job accomplished and retains issues user-friendly, it’s a stable decide. However based mostly on what customers shared, there’s nonetheless room to develop.

What I dislike about checkout.com:

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

What G2 customers dislike about checkout.com:

“There’s room for them to increase their vary of services. Plus, having a much bigger affect over third events to assist velocity up course of resolutions can be a giant plus.”

– checkout.com Assessment, Luis C. 

Sure. PayPal is a cost service supplier (PSP). It lets companies settle for on-line funds (playing cards, PayPal, wallets) without having their very own service provider account. It handles processing, safety, and settlement multi functional platform. 

Q6. What’s the greatest cost processing system?

There’s no one-size-fits-all reply. It actually is dependent upon what you are promoting mannequin, location, scale, and technical wants. Among the greatest cost processing software program have been mentioned above and embrace PayPal, Amazon Pay, checkout.com, Stripe funds and extra. 

Energy up your funds

Getting paid would possibly appear to be a easy a part of working a enterprise. However in actuality, it’s the place belief, safety, and person expertise all converge. The proper cost processing software program doesn’t simply full transactions; it units the tone for a way easily what you are promoting operates and the way assured your clients really feel when handing over their info.

I centered this analysis on instruments which have confirmed themselves in real-world enterprise environments, not simply in product demos or spec sheets. By analyzing 1000’s of G2 opinions, digging into how every platform handles vital workflows, and evaluating their strengths throughout industries, I narrowed it down to 6 standout options that transcend the fundamentals.

Some instruments shine with their simplicity and fast setup, supreme for startups and rising groups. Others are constructed for scale, providing superior controls, world capabilities, and deep integrations. For those who’re able to take the complexity out of funds and construct a extra dependable income engine, these instruments supply a stable place to begin. 

Trying to dig deeper into cost processing? Take a look at the very best Fee Gateway Software program to know how funds transfer securely between your clients and what you are promoting.