Best Free Payment Processing Software of 2025

Accept all payments quickly, securely, and easily. Accept card payments quickly and easily, no matter where you are selling. You can streamline the process of creating, sending, and tracking your invoices. Customer not available in person? Remote credit card payments can be made over the phone or via your computer. Get paid quickly Square makes it easy to create and grow an online store and accept online payments seamlessly with Square. Accepting cards is as easy, painless, secure, and fast as possible with Square. We don't charge extra, have no long-term contracts and are not able to use tricks. You can rely on fast, secure payments.

Square POS is a simple, intuitive point-of sale (POS) solution. It provides a rich set of tools for inventory tracking, sales tracking, online payment processing and digital receipts. Square POS is available for Android and iOS devices. It records transactions offline by storing data locally, then automatically syncing information when there is an Internet connection. Square POS allows users to manage details such as names, prices and quantities. It also offers features such as a barcode scanner and discounts, credit card processing and gift cards, refunds and more.

RetailEdge is a simple-to-use and feature-rich point to sale (POS) and inventory software solution for retail businesses. RetailEdge is a product of High Meadow Business Solutions. It offers multi-location support, credit card processing, website integration and mobile POS. Gift card management capabilities are also included in the suite. The solution supports mobile and secure payments such as Apple Pay and EMV. It also integrates with multiple ecommerce platforms for efficient order processing, price updates, and gift card management capabilities. How are we different? 1. One time-fee for the software. 2. Hybrid software, with all local data, to ensure you have fast real-time access to all your data when the internet is down or, more often, slow. 2. Comes with an hour of free training with real people. This includes making sure your inventory is structured properly and familiarizing you with the many powerful tools that will help you grow your business. 3. Optional on-going support and updates, designed to affordably fit your business needs, not the other way around. Integrated credit card processing with the most modern features and developed to get you the lowest rates so that you save money.

EBizCharge is the leader in integrated payment solutions that helps businesses facilitate electronic payment processing, enhance transaction security, and increase client profits. Providing businesses with the tools they need to make transactions faster, safer, and less expensive while offering a premium payment processing experience. EBizCharge applications are PCI-compliant and fully integrated with major ERP/accounting systems, including QuickBooks, Sage ERP products, SAP Business One, Microsoft Dynamics, NetSuite, Epicor, Acumatica, and major online shopping carts, including Magento, WooCommerce, and Volusion.

Melio is an accounts payable platform designed to simplify bill payments, improve workflows, and maximize cash flow efficiency. You can pay vendors online using bank transfers or credit/debit cards—even if they only accept checks—while Melio takes care of the manual tasks. Integrate seamlessly with QuickBooks and Xero to keep your accounting up-to-date. Melio allows you to pay through bank transfer or card, helping you extend your cash flow and gain rewards. Enter vendor or bill details manually, upload, or snap a photo of the invoice—it’s that simple. Schedule payments according to your cash flow plan and let Melio manage them. Additionally, you can pay international vendors in their local currency for services and products.

Fraud.net is the world's leading infrastructure for fraud management. It is powered by a sophisticated collective Intelligence network, world-class AI, and a modern cloud-based platform that assists you: * Combine fraud data from all sources with one connection * Detect fraudulent activity in real-time for transactions exceeding 99.5% * Uncover hidden insights in Terabytes of data to optimize fraud management Fraud.net was recognized in Gartner's market guide for online fraud detection. It is a real-time enterprise-strength, enterprise-strength, fraud prevention and analytics solution that is tailored to the needs of its business customers. It acts as a single point-of-command, combining data from different sources and systems, tracking digital identities and behaviors, then deploying the most recent tools and technologies to eradicate fraudulent activity and allow transactions to go through. Get a free trial by contacting us today

Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes >1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax.

Toast POS is a flexible system that was created exclusively for restaurants and food service businesses. This solution allows restaurant owners to quickly adapt to changing industry trends and customer expectations by offering tools such as online ordering, delivery, takeout and mobile app ordering. Toast POS is a cloud-based platform that offers new features and allows users to access their restaurant data from any location, on any device. Its powerful reporting and analytics suite enables restaurant managers to identify savings opportunities, highlight the best-selling menu items, etc.

Apple Pay offers a seamless experience and integrates effortlessly with the Apple devices you rely on daily. This payment option enables secure, contactless transactions at retail locations, within applications, and online. Additionally, it allows users to send and receive funds from friends and family directly through Messages. With Apple Pay, you benefit from a more secure method of payment that is often easier than using a traditional card. Employing Apple Pay on your iPhone or Apple Watch ensures a swift and secure transaction process, minimizing the need to handle cash or touch payment terminals. You can utilize Apple Pay to purchase apps and games from the App Store, or to conveniently pay for services like rides, pizza deliveries, or new footwear with just a simple touch or glance. Moreover, it can be used for subscriptions to services such as Apple Music, Apple News+, and Apple Arcade, along with additional features like upgraded iCloud storage. When shopping online using Safari on your iPhone, iPad, or Mac, Apple Pay streamlines the process by eliminating the need for account creation or the hassle of filling out extensive forms. This enhances the overall shopping experience, making it more efficient and user-friendly.

PayPal is trusted by 9 million merchants to help them establish, operate, and expand their businesses. With an array of tools, products, financing options, and dedicated support, you can effectively manage essential tasks such as payment processing, website development, shipping, and marketing. Additionally, we offer business loans* that enable you to obtain funding that supports both startup initiatives and ongoing growth. You can receive payments both online and in-person, whether through online invoicing, customized checkouts for your website, or mobile card readers for transactions on the move. Choose from various products and services crafted to streamline your daily operations, including features for tracking payments and printing shipping labels. In addition, discover our merchant lending solutions that facilitate quick access to necessary funds for your business, while also providing your customers with financing options that allow them to pay over time, ensuring you receive your payment upfront. Our goal is to empower your business every step of the way, making it easier to focus on what truly matters: growth and customer satisfaction.

Utilize your Venmo account to transfer funds to friends and family by using the money already in your Venmo or by quickly linking your bank account or debit card. You can send money and make purchases at partnered retailers as well. Cherish the moments with your loved ones; whether it’s sharing the cost of dinner, gifting a birthday surprise, or just reaching out to say hi, you can easily move money from Venmo to your bank account when needed. We employ encryption to safeguard your account information and monitor activity to detect any unauthorized transactions. You can pay friends and family with Venmo by using their phone number or email address, and those without a Venmo account can simply create one to receive the funds. Easily find and connect with friends by syncing your Facebook or phone contacts. When you use your Venmo balance, bank account, debit card, or prepaid card to send money, there are no fees involved; however, a standard fee of 3% applies to credit card transactions. Additionally, receiving money and making purchases through other compatible apps is always free, making Venmo a convenient option for managing your transactions.

Skrill provides an online wallet that facilitates various financial activities such as online payments, money transfers, and access to a Skrill card along with a loyalty program. Since its inception in 2001, Skrill has been assisting millions of users in managing their finances, allowing for seamless transactions. Whether you need to pay for services, send funds to friends, or make purchases, Skrill is designed to make your financial interactions simple and efficient. With Skrill, you can easily handle your money, no matter where you are or what you wish to achieve.

Boss Insights provides global leading access to business customers’ financial data with a single connection to accounting, banking, commerce, payroll, tax and more (i.e. Quickbooks, Stripe, SalesForce, etc.). It’s used by fintechs and neobanks to gain 60% increased automation, 100% automated scoring, 51% faster funding and 5x faster renewals.

Upflow is the ultimate solution for B2B companies across the globe, revolutionising cash flow management through state-of-the-art AR technology. Join a thriving community of finance leaders who have unlocked their owed cash reserves with Upflow's seamless integration into their accounting stack. Effortlessly manage Accounts Receivables and gain real-time insights from our comprehensive analytics by integrating Upflow with your accounting tool in a few clicks, driving effective cash collection efforts. Experience the difference in cash collection excellence with Upflow today!

Square offers a complimentary credit card reader that seamlessly integrates with its free Point of Sale app, enabling anyone to accept payments through their smartphones or tablets. By signing up for Square, you will receive your card reader in the mail at no cost, and there are no hidden commitments or lengthy contracts involved. The transaction fee is 2.6% plus 10¢ for each swipe, applicable to major credit cards like Visa, Mastercard, Discover, and American Express. You can receive your funds as quickly as the next business day. Square provides two types of magstripe readers: one designed for the headphone jack and another for the Lightning connector, ensuring you can choose the one that suits your device. Payments can be processed directly at the register, on the move, via invoices, or by manually inputting card details. The Square Point of Sale app is not only free but also user-friendly, providing all the necessary tools to effectively run your business. To enhance security, credit card information is encrypted during the swipe, and Square ensures that no card data remains on your device after the transaction is completed. This comprehensive system empowers small businesses to manage their sales and customer interactions efficiently.

Consumers can choose their preferred items, add them to their cart, complete the necessary contact information on a single page, and move forward to payment seamlessly. Each payment option, including Virtual POS, Paylink, or One Page Shop, offers complete customization to reflect your brand's logo, colors, and typography. Payrexx’s payment solutions are designed to be responsive, ensuring that the shopping and payment processes remain user-friendly across all devices. This guarantees a consistently pleasant experience for your clientele. You can also implement the Facebook pixel to monitor customer interactions with your Payrexx tools, requiring just a simple code snippet for integration. Additionally, you can create discount codes, either as fixed amounts or percentages, which customers can conveniently apply during checkout. You have the flexibility to send paylinks via email to your customers, whether automatically or manually, and you can determine the optimal time to remind them about purchasing your offerings, enhancing customer engagement and potentially boosting sales.

In today's landscape, successful companies have adapted their payment acceptance methods, and wallee is here to support your digital business both online and offline. We manage billions of transactions annually for businesses that are attuned to the digital realm, enabling enterprises of all sizes to sell and expand their reach globally. By utilizing our API or plugins, you can initiate the growth of your business with seamless payment solutions. Effortless payment processing translates to straightforward acceptance, and our merchant and agency-focused plugins simplify this process through a user-friendly drag-and-drop interface. We cater to developers, agencies, and digital entrepreneurs by creating tools that address the demands of the digital era. In addition to e-commerce payment solutions, wallee also provides payment processing at physical locations through our ec terminals. This allows you to seamlessly integrate your online presence with in-person transactions, facilitating a comprehensive face-to-face checkout experience. With wallee, you can streamline your payment infrastructure and adapt to the ever-evolving business landscape effectively.

Paddle is a subscription commerce platform and billing platform for Software- and SaaS-based companies. It is more difficult than ever for customers to keep up, to find international growth opportunities, or to effectively manage your internal resources. Paddle allows you to focus on scaling your business, rather than spending time fixing internal roadblocks. Paddle offers a complete suite of tools, including optimized checkout to sell your product, recurring billing, fraud detection and manual invoicing. It also includes sales taxes, global currencies, customer service, analytics, and more.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Grow your business with finance. Accept payments from customers. Automate payments to vendors and employees. Never run out of working capital. You can mix and match products from Razorpay's Payment Suite to suit your business needs. Razorpay is the best way to integrate, onboard online, check out the features, and enjoy the best performance. Razorpay Payment pages is the easiest way for you to accept payments from a custom-branded online shop. Automated payment receipts allow you to accept international and domestic payments. Online shopping is easy with no code. Preparation is key! Hosted Event Registration allows you to quickly register attendees online and send them automated receipts. Fundraising for a worthy cause? Hosted Donations saves time and automatically sends 80G receipts.

ALFAcoins is a cryptoprocessing service that is helping to bridge the gap between the crypto space and the payments space. It easily integrates into your website or existing payment flow, with an API, widgets and e-commerce plugins. Providing a trustless payment service to merchants, our company has developed a product that addresses an immediate demand in the eCommerce universe. The service features a flat fee rate for merchants, completely eliminating the exorbitant fees required to process eCommerce payments through traditional providers. Our goal is to make cryptocurrencies widely available to merchants and their customers.

SpotOn Restaurant is one of the most comprehensive, integrated systems on the market. From cloud-based POS to commission-free online ordering and reservations to labor management software, it offers everything the modern restaurateur needs -- with none of the headaches that you get with other big POS companies, like long-term contracts, surprise fees and rate hikes, and impersonal service.

Transform your business with Tipalti’s comprehensive finance automation solution. Streamline your accounts payables, accelerate global payouts, simplify procurement processes, and optimize employee expenses, all through one integrated platform. With Tipalti’s technology, you'll improve operational efficiency, reduce costs, increase compliance, and gain greater visibility & control over your finances. Experience the power of automation and take your business to the next level. Includes extensive integrations with ERP and accounting platforms, including NetSuite, Sage Intacct, Xero, Microsoft soltuions and Quickbooks.

Zoho Checkout makes it easier to collect online payments. Zoho Checkout allows businesses to receive online payments instantly and in a recurring fashion. Businesses can create their own payment page by simply writing code. Customize the page to make it more personal and collect payments. Zoho Checkout payment pages can be customized to fit any screen or device.

ALX wallet is a platform that allows global business and payments. Anyone can use the ALX wallet mobile application to send payments, promote their business, and sell their goods &/or services in less than a minute to anyone around the world. ALX wallet connects buyers and sellers, friends and family, and allows them to send money and grow their businesses. ALX wallet is a Peer to Peer platform and does not charge merchants any fees. Settlements are fast and easy. There are no fees, no chargebacks and no waiting for your money. Everyone can start a global business. Start selling today and sending payments immediately. Available now for Android and iOS. Stripe supports Dogecoin, Digibyte, Bitcoin, as well as all major credit and debit cards. Features Mobile Point of Sale Mobile Invoicing and Payments Mobile Transaction Records Embeddable widget creator for accepting crypto currency on websites Profiles