Best Payment Processing Software in 2026
Updated
In short: Mollie is ranked #1 of 53 as of 2 October 2026, ahead of Checkout.com and Airwallex Payments. The best-ranked option with a free plan is Checkout.com. The lowest first paid tier on this page is Mollie at €9/mo.
Choosing payment processing software starts with the ways you need to accept money and settle funds. Compare payment methods, in-person payments and payment links, then check for recurring billing and multi-currency support if those fit your business. Payout schedules, free-plan availability and paid-from pricing add practical points of comparison. Mollie, Checkout.com and Airwallex Payments head the ranking, with Adyen and Razorpay Payment Gateway among the next entries. Weigh the listed features against your payment flows and billing arrangements to identify the capabilities that matter in your stack.
53 payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
| # | Platform | Score | Why | From | Free plan | Paid from | Payment methods | |
|---|---|---|---|---|---|---|---|---|
| 1 | Mollie | 9.0 | RecognisedAPIDocumented | €9/mo | No | — | 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 | View |
| 2 | Checkout.com | 8.8 | RecognisedAPIDocumented | Free | No | — | major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers | View |
| 3 | Airwallex Payments | 8.6 | RecognisedAPIDocumented | $12/mo | Yes | — | Cards, digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methods | View |
| 4 | Adyen | 8.2 | RecognisedAPIDocumented | — | No | — | 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 | View |
| 5 | Razorpay Payment Gateway | 8.0 | RecognisedAPIDocumented | — | No | — | Cards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPI | View |
| 6 | Rapyd | 8.0 | RecognisedAPIDocumented | $99/mo | No | — | Cards, bank transfers, digital wallets, cash, real-time payment networks, stablecoins | View |
| 7 |  Helcim | 8.0 | RecognisedAPIDocumented | Free | No | — | Visa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cards | View |
| 8 |  Nexi Merchant Services | 7.8 | RecognisedAPIDocumented | — | No | — | Visa, Mastercard, Visa Electron, V-Pay, Maestro, JCB, UPI, PagoBANCOMAT, American Express, Google Pay, Apple Pay and other mobile and alternative payment methods | View |
| 9 |  Kill Bill | 7.8 | RecognisedAPIDocumented | Free | Yes | 40 /mo | — | View |
| 10 | PayJunction Virtual Terminal | 6.9 | RecognisedAPIDocumented | — | No | — | cards and bank payments | View |
| 11 | Paytm Payment Gateway | 6.4 | RecognisedAPIDocumented | — | No | — | Cards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchers | View |
| 12 | Global Payments | 6.3 | RecognisedAPIDocumented | — | No | — | Credit cards, debit cards, American Express, Discover, Mastercard, Visa, Apple Pay, Google Pay, EFT/ACH, eCheck, alternative and local payment methods | View |
| 13 |  Xendit | 6.3 | RecognisedAPIDocumented | — | — | — | Cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, online installments | View |
| 14 |  Pin Payments | 6.3 | RecognisedAPIDocumented | — | Yes | — | Visa, Mastercard, American Express, eftpos, JCB, Discover, Diners Club, Apple Pay, Google Pay | View |
| 15 | PayU | 6.2 | RecognisedAPIDocumented | — | No | — | Cards, UPI, net banking, wallets, EMI, BNPL, QR and payment links | View |
| 16 |  CCAvenue | 6.2 | RecognisedAPIDocumented | — | No | — | Credit cards; debit cards; net banking; UPI; prepaid instruments and wallets; bank EMI; mobile payments; cash cards | View |
| 17 | dLocal | 6.2 | RecognisedAPIDocumented | — | — | — | credit cards, debit cards, local bank transfers, cash payments, digital wallets, mobile money, real-time payments, buy now pay later | View |
| 18 |  Pine Labs Online Payments | 6.2 | RecognisedAPIDocumented | — | — | — | Cards, UPI, net banking, wallets, EMI, BNPL, pay by points, international cards, brand wallets and e-challans | View |
| 19 |  Paystack | 6.1 | RecognisedAPIDocumented | — | — | — | cards, bank accounts, bank transfers, USSD, Apple Pay, Google Pay, Visa QR, mobile money, POS | View |
| 20 | 2C2P | 6.1 | RecognisedAPIDocumented | — | — | — | Cards, digital wallets, bank transfers, QR payments, over-the-counter payments, instalments, buy now pay later | View |
| 21 |  PayFacile | 6.1 | RecognisedAPIDocumented | — | Yes | — | Visa, Mastercard, American Express, Apple Pay, Google Pay, SEPA direct debit, bank transfer, check, cash | View |
| 22 |  WP Simple Pay | 6.0 | RecognisedAPIDocumented | — | Yes | — | Card, ACH Direct Debit, SEPA Direct Debit, Alipay, Bancontact, FPX, giropay, iDEAL, Klarna, Afterpay/Clearpay, Przelewy24, Apple Pay, Google Pay, Microsoft Pay, MobilePay, BECS Direct Debit, PromptPay, WeChat Pay, PIX, BLIK | View |
| 23 | Paymattic | 6.0 | RecognisedAPIDocumented | — | Yes | — | Stripe, PayPal, Square, Authorize.net, Mollie, Razorpay, Paystack, Payrexx, SSLCOMMERZ, Billplz, Xendit, Flutterwave, Moneris, Viva Wallet, offline bank transfer or cheque | View |
| 24 | Paysafe | 5.9 | RecognisedAPIDocumented | — | — | — | Cards, ACH, direct debit, bank transfer, eWallets, cash, prepaid vouchers, Apple Pay, BLIK, crypto | View |
| 25 |  Viva.com | 5.8 | RecognisedAPIDocumented | — | No | — | Cards, digital wallets, local payment methods, direct debit and other payment methods | View |
Is your platform on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which payment processing software is ranked first on Inferse?
Mollie is ranked #1 of 53 with a score of 9.0. Checkout.com is second and Airwallex Payments third.
How many of these have a free plan?
5 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Mollie has the lowest first paid tier we found: €9/mo.
How is this list ranked?
Ranked on what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it. Paid placements never change a rank.