100 Best Payment Processing Apps for Solo Founders and Small Teams
Payment processing needs vary by sales channel, geography, customer type, and operational complexity. These first 25 apps cover widely used options for online, in-person, invoiced, and subscription-based payments.
Stripe
Stripe provides APIs, checkout tools, invoicing, and payment infrastructure for businesses accepting digital payments. It helps developers avoid building card processing, payment forms, and transaction workflows from scratch.
PayPal
PayPal lets businesses accept online payments through checkout buttons, invoices, payment links, and integrations. It helps merchants serve customers who prefer paying with an existing PayPal account.
Square
Square processes in-person and online payments through point-of-sale software, hardware, invoices, and checkout links. It helps small sellers manage card payments across physical locations and online sales channels.
Adyen
Adyen offers a unified payments platform for accepting online, in-store, and mobile transactions globally. It helps larger businesses consolidate payment operations across multiple channels and international markets.
Braintree
Braintree provides payment processing tools for web and mobile apps, including cards and digital wallets. It helps product teams add flexible payment acceptance without maintaining separate processor integrations.
Checkout.com
Checkout.com provides payment processing infrastructure for businesses accepting payments across online sales channels. It helps growing companies centralize payment acceptance while expanding into additional markets.
Shopify Payments
Shopify Payments lets Shopify merchants accept card payments directly through their online store checkout. It helps store owners reduce setup friction by managing ecommerce and payment acceptance together.
Amazon Pay
Amazon Pay enables customers to use payment details stored in their Amazon account at participating checkouts. It helps merchants offer a familiar checkout option that can reduce repeated form entry.
Apple Pay
Apple Pay enables secure payments using cards stored in Apple Wallet on compatible devices. It helps mobile shoppers avoid manually entering card details during supported online checkouts.
Google Pay
Google Pay lets customers pay using saved payment methods through supported websites, apps, and terminals. It helps Android and Google users complete purchases without repeatedly entering billing information.
Authorize.net
Authorize.net provides payment gateway services for accepting card payments, echecks, and recurring billing. It helps businesses connect merchant accounts to online payment forms and transaction management tools.
Worldpay
Worldpay provides payment processing services for businesses accepting payments online, in stores, and by phone. It helps merchants manage card acceptance across several selling environments through one provider.
2Checkout
2Checkout, now part of Verifone, supports global online payment processing for digital and physical products. It helps sellers reach international customers with localized payment options and currency support.
Verifone
Verifone provides payment terminals, commerce software, and processing services for in-person and digital payments. It helps retailers equip checkout counters with integrated hardware and payment acceptance tools.
Payoneer
Payoneer provides cross-border payment services, receiving accounts, and business payment tools for global commerce. It helps freelancers and international businesses receive payments from overseas clients and marketplaces.
Wise Business
Wise Business offers multi-currency accounts, international transfers, and payment tools for business customers. It helps teams move money internationally without relying solely on traditional bank transfer workflows.
Revolut Business
Revolut Business provides business accounts, cards, transfers, and payment acceptance products in supported markets. It helps businesses manage spending, transfers, and payment operations from a consolidated account.
Klarna
Klarna offers checkout payment options, including pay later and installment products, for eligible shoppers. It helps merchants offer customers more flexibility when paying for higher-value purchases.
Afterpay
Afterpay provides installment payment options that allow eligible customers to split purchases into scheduled payments. It helps retailers offer installment checkout choices to customers hesitant about paying upfront.
Affirm
Affirm provides installment financing options for eligible purchases through participating merchant checkout experiences. It helps merchants support customers seeking transparent financing options for larger orders.
Mollie
Mollie provides payment processing, checkout integrations, payment links, and subscriptions for European businesses. It helps European merchants accept local payment methods without building separate integrations.
GoCardless
GoCardless facilitates bank debit payments and recurring collections through direct debit payment schemes. It helps subscription businesses collect recurring bank payments without manually chasing customer invoices.
Razorpay
Razorpay provides payment gateway, payment links, subscriptions, and business banking tools primarily for Indian businesses. It helps Indian businesses accept local digital payments through one integrated payment platform.
PayU
PayU provides payment processing services and local payment methods in multiple international markets. It helps merchants address regional payment preferences when selling across supported countries.
Airwallex
Airwallex offers multi-currency accounts, payment acceptance, expense cards, and cross-border financial infrastructure. It helps internationally operating teams handle payments and currencies through fewer financial tools.
WePay
WePay provides payment processing infrastructure for platforms that need to onboard and pay multiple merchants. It helps platform operators avoid building merchant onboarding, payment acceptance, and settlement systems from scratch.
BlueSnap
BlueSnap offers a global payment platform for accepting payments, managing subscriptions, and processing payouts. It helps businesses consolidate international payment methods and currencies through a single integration.
NMI
NMI provides a payment gateway that connects merchants, software platforms, and payment processors. It helps software businesses embed payment acceptance without becoming a processor themselves.
Stax
Stax provides payment processing tools, including invoicing, recurring billing, and reporting for businesses. It helps merchants manage several payment collection workflows without switching between separate systems.
Helcim
Helcim provides payment processing, invoicing, online checkout, and point-of-sale tools for small businesses. It helps small teams accept card payments across in-person, online, and invoice-based sales.
CyberSource
CyberSource is a payment management platform offering payment acceptance, fraud tools, and global commerce capabilities. It helps larger businesses coordinate payment and fraud-management workflows across multiple markets.
Fiserv
Fiserv provides merchant payment processing, point-of-sale technology, and related financial services. It helps merchants process customer transactions while connecting payment acceptance with business operations.
Global Payments
Global Payments supplies payment technology for merchants, including card acceptance and integrated commerce tools. It helps businesses accept payments through physical locations, online stores, and connected software.
Elavon
Elavon provides merchant payment processing for card payments, e-commerce, and point-of-sale transactions. It helps merchants manage payment acceptance across retail counters, invoices, and online checkout.
FreedomPay
FreedomPay provides a commerce platform for payment orchestration, data security, and customer transaction experiences. It helps enterprise merchants connect payment systems across channels while maintaining centralized payment controls.
FastSpring
FastSpring handles payments, subscriptions, taxes, and order management for software and digital-product sellers. It helps software companies sell internationally without separately managing sales-tax and payment administration.
Paddle
Paddle provides billing and payment infrastructure for software companies selling subscriptions and digital products. It helps SaaS teams handle subscription billing and international transaction administration in one platform.
Chargebee
Chargebee manages subscription billing, invoicing, recurring payments, and revenue operations for recurring-revenue businesses. It helps subscription teams reduce manual billing work as plans, renewals, and customer changes multiply.
Recurly
Recurly provides subscription management and recurring billing tools for businesses with recurring customer payments. It helps teams manage renewals, plan changes, and payment retries without manual account updates.
Zuora
Zuora provides subscription billing and revenue management software for companies using recurring business models. It helps organizations coordinate complex subscription charges and billing changes across customer lifecycles.
Spreedly
Spreedly provides a payment orchestration platform that connects businesses with multiple payment service providers. It helps companies avoid dependence on one processor while routing payments through existing provider relationships.
Dwolla
Dwolla provides account-to-account payment infrastructure for moving money through bank transfer networks. It helps businesses automate bank-based transfers when card payments are not the preferred option.
Tipalti
Tipalti automates accounts payable workflows, including supplier onboarding, invoice processing, and payment delivery. It helps finance teams reduce manual work when paying suppliers across countries and payment methods.
Bill.com
Bill.com provides accounts payable and receivable software for creating, approving, sending, and paying bills. It helps small businesses replace paper checks and email approvals with organized bill-payment workflows.
Coinbase Commerce
Coinbase Commerce enables businesses to accept selected cryptocurrency payments through hosted and integrated checkout options. It helps merchants accept cryptocurrency without building their own blockchain payment collection tools.
BitPay
BitPay provides cryptocurrency payment services that let businesses accept crypto and settle transactions. It helps merchants add cryptocurrency checkout while reducing the operational complexity of handling digital assets.
CoinGate
CoinGate provides cryptocurrency payment processing, invoicing, and checkout tools for online businesses. It helps online sellers accept various cryptocurrencies through a more familiar payment-processing workflow.
Alipay+
Alipay+ connects merchants with participating digital wallets for cross-border payment acceptance. It helps merchants serve international wallet users without separately integrating each supported wallet.
WeChat Pay
WeChat Pay is a digital payment service supporting wallet-based purchases within its broader ecosystem. It helps merchants reach customers who prefer paying through their existing WeChat wallet.
Cash App Pay
Cash App Pay lets eligible customers pay participating merchants using their Cash App accounts. It helps merchants offer a wallet-based checkout option to customers already using Cash App.
QuickBooks Payments
QuickBooks Payments lets businesses accept card and bank payments while automatically recording transactions in QuickBooks. It reduces manual bookkeeping by linking customer payments with invoices, sales records, and accounting entries.
Wave Payments
Wave Payments enables eligible businesses to accept online card payments and bank transfers through Wave invoices. It helps small operators collect invoice payments without separately reconciling payment activity in their books.
FreshBooks Payments
FreshBooks Payments allows businesses to accept online card and bank payments from FreshBooks invoices. It addresses overdue invoices by giving clients a direct way to pay from the invoice.
WooPayments
WooPayments lets WooCommerce stores accept payments and manage transactions from the WordPress dashboard. It reduces store-management friction by keeping checkout, orders, refunds, and payment activity in one place.
Wix Payments
Wix Payments enables eligible Wix merchants to accept online payments through their website checkout. It helps site owners avoid connecting a separate processor when launching an online storefront.
Shop Pay
Shop Pay provides an accelerated checkout option that saves customer details for participating Shopify stores. It reduces checkout abandonment by limiting repeated form entry for returning online shoppers.
Samsung Pay
Samsung Pay lets users make contactless payments using supported payment cards stored in Samsung Wallet. It solves the need to carry physical cards by enabling phone-based payments at compatible terminals.
Venmo
Venmo enables consumers and approved businesses to send, receive, and accept payments through its app. It helps merchants serve customers who prefer paying from a familiar peer-to-peer payment account.
Zelle
Zelle enables enrolled small businesses to receive bank-account payments through participating financial institutions. It addresses delayed payment collection by moving customer funds directly between eligible bank accounts.
Sezzle
Sezzle offers installment payment options that let shoppers split eligible purchases into scheduled payments. It helps merchants serve budget-conscious buyers who want flexible payment timing at checkout.
Zip
Zip provides buy-now-pay-later payment options that divide eligible purchases into installment payments. It reduces upfront-cost hesitation by giving customers another way to spread purchase payments over time.
Splitit
Splitit enables installment payments using a shopper's existing credit card rather than a new loan. It helps customers divide larger purchases while continuing to use their available credit card account.
Trustly
Trustly facilitates account-to-account payments by connecting consumers with their online banking accounts. It reduces reliance on card entry by enabling customers to pay directly from bank accounts.
iDEAL
iDEAL enables online shoppers in the Netherlands to pay merchants through their own bank. It helps Dutch merchants offer a familiar bank-based checkout method to local customers.
Bancontact
Bancontact provides Belgian consumers with card and mobile payment methods for online and in-store purchases. It helps businesses accommodate Belgian customers who prefer locally established payment methods.
Multibanco
Multibanco supports Portuguese payments through bank terminals, online banking, and payment references. It helps merchants reach Portuguese customers who use local bank-linked payment workflows.
Przelewy24
Przelewy24 provides Polish merchants with online payment methods, including bank transfers and cards. It reduces localization barriers by offering checkout options commonly used by Polish online shoppers.
Paystack
Paystack provides businesses with tools to accept online and in-person payments across supported African markets. It helps growing businesses collect payments through local channels without building payment infrastructure themselves.
Flutterwave
Flutterwave offers payment infrastructure for businesses accepting and sending payments across supported markets. It addresses cross-market payment complexity by connecting businesses to multiple payment methods through one platform.
Xendit
Xendit provides payment infrastructure for businesses accepting payments in Southeast Asian markets. It helps regional businesses manage local payment options without separately integrating each provider.
DPO Pay
DPO Pay provides online payment acceptance tools for businesses operating in supported African markets. It helps merchants collect digital payments from customers using locally relevant payment methods.
CCAvenue
CCAvenue offers Indian businesses a payment gateway supporting cards, bank transfers, and digital payment methods. It simplifies accepting varied Indian payment preferences through a single checkout integration.
Cashfree Payments
Cashfree Payments provides Indian businesses with payment collection, payouts, and checkout infrastructure. It helps businesses handle incoming customer payments and outgoing transfers without separate payment systems.
Instamojo
Instamojo helps Indian small businesses create payment links, online stores, and digital payment collection flows. It helps sellers begin accepting online payments without building a custom ecommerce website.
PayTabs
PayTabs provides payment gateway services for businesses accepting online payments in supported regional markets. It helps merchants process digital transactions while supporting payment methods relevant to their operating region.
Opayo
Opayo processes online, phone, and in-person card payments for businesses, particularly in the United Kingdom. It helps merchants accept card payments through multiple sales channels without managing separate payment systems.
Nuvei
Nuvei provides payment processing, payout, and alternative-payment capabilities for online and multinational businesses. It helps businesses manage diverse local payment methods when selling across countries and customer preferences.
Moneris
Moneris provides card payment processing, terminals, and online checkout tools for Canadian businesses. It helps Canadian merchants accept payments in stores and online through a single provider.
Shift4
Shift4 provides integrated payment processing for hospitality, retail, e-commerce, and other business sectors. It helps businesses connect payments with operational software instead of reconciling disconnected transaction records.
Paysafe
Paysafe offers payment processing, digital wallets, and alternative payment methods for businesses and consumers. It helps merchants serve customers who prefer wallets, cards, or cash-based digital payment options.
PayJunction
PayJunction provides cloud-based payment processing, smart terminals, and transaction management tools for businesses. It helps teams reduce paper receipts and manually entered payment details during checkout.
PaymentCloud
PaymentCloud connects businesses with merchant account and payment processing solutions, including higher-risk industries. It helps businesses with complex underwriting needs find processing options suited to their industry.
Gravity Payments
Gravity Payments provides credit card processing, point-of-sale systems, and payment support for small businesses. It helps local businesses consolidate card acceptance and checkout hardware under one payments provider.
Dharma Merchant Services
Dharma Merchant Services provides merchant accounts and credit card processing for businesses and nonprofits. It helps organizations accept card payments while obtaining merchant-account support tailored to their operating model.
Merchant One
Merchant One provides merchant accounts, card processing, payment gateways, and point-of-sale equipment. It helps businesses launch card acceptance without separately sourcing account, gateway, and terminal services.
National Processing
National Processing provides credit card processing, ACH payments, merchant accounts, and point-of-sale solutions. It helps merchants accept cards and bank transfers while working with one payment services provider.
EMS Payments
EMS Payments offers payment processing, point-of-sale systems, and merchant services for businesses. It helps merchants combine transaction processing and checkout equipment rather than coordinate separate vendors.
Clover
Clover provides point-of-sale devices and software that process payments and support business operations. It helps retail and restaurant operators manage checkout alongside orders, inventory, and employee workflows.
Toast Payments
Toast Payments processes restaurant payments through Toast's integrated point-of-sale and ordering platform. It helps restaurants connect payments with table service, online orders, and kitchen operations.
Lightspeed Payments
Lightspeed Payments processes transactions within Lightspeed's retail, restaurant, and golf management software. It helps operators avoid manually matching payment data with sales and inventory records.
SumUp
SumUp offers card readers, point-of-sale tools, invoicing, and online payment acceptance for small businesses. It helps mobile and small merchants begin accepting card payments with compact checkout tools.
Tilled
Tilled provides payment infrastructure that software platforms can use to embed merchant payment processing. It helps software companies offer integrated payments without building core processing infrastructure from scratch.
Sila
Sila provides APIs for ACH transfers, digital wallets, and money movement within software products. It helps product teams add bank-payment workflows without directly managing complex ACH integrations.
Finix
Finix provides payment infrastructure for platforms that want to manage embedded payment experiences. It helps software platforms control merchant onboarding and payments without assembling multiple provider integrations.
Primer
Primer connects payment service providers through a unified infrastructure for online payment orchestration. It helps commerce teams manage multiple processors without maintaining separate checkout integrations for each.
Rapyd
Rapyd provides payment collection, payouts, wallets, and local payment methods through developer APIs. It helps businesses reach international customers using locally familiar ways to pay and receive funds.
dLocal
dLocal enables cross-border payment collection and payouts in emerging markets using local payment methods. It helps global businesses navigate fragmented payment preferences when entering emerging-market countries.
Paymob
Paymob provides online and in-store payment acceptance, payment links, and merchant tools in regional markets. It helps merchants offer digital checkout options where local payment methods vary widely.
Network International
Network International provides payment processing, merchant acquiring, and digital payment solutions across regional markets. It helps businesses accept electronic payments while accessing acquiring services adapted to local markets.
OpenNode
OpenNode enables businesses to accept Bitcoin payments and manage Bitcoin-to-fiat payment settlement options. It helps merchants accept Bitcoin without building their own cryptocurrency payment and settlement workflow.
The right processor depends on where customers pay, which payment methods they expect, and how your business plans to grow.