Best Payment Processing Software in the USA - Page 19
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Compare the Top Payment Processing Software in the USA as of April 2026 - Page 19
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PAR Pay
PAR Technology
PAR Payment Services is an omnichannel payment solution designed for restaurant, retail, and experience businesses. It supports EMV credit, EMV debit, and gift cards; contactless payments; and newer options like Text to Pay and QR Code payments. The platform is gateway-agnostic, meaning you can use PAR’s own gateway or plug in a processor of your choice. It integrates across channels, physical, mobile, and online, and consolidates all payment data into unified reporting and analytics for real-time business insight. PAR also offers PAR Gift, which enables both physical and digital gift cards (reloadable, branded, mobile wallet compatible) with built-in loyalty features like point earning and redemption. On the security front, PAR ensures compliance with industry standards, uses encryption, and maintains up-to-date devices to reduce fraud and risk. The system is built to integrate closely with PAR’s POS and restaurant tools, but is also compatible with other POS systems. -
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Valmar Merchant Services
Valmar Merchant Services
Valmar Merchant Services offers full-service payment processing solutions covering ACH, debit/credit card processing, push-to-card/instant funding, and eCheck/Check 21 functionality. Its infrastructure is built on direct banking relationships, enabling low overhead, API access to major gateways, and support for “high-risk” industries like CBD, hemp, debt collection, and online lending. They emphasize transparent pricing with no hidden fees, no setup charges, no long-term contracts, and no cancellation penalties. It also provides real-time reporting, fraud detection and mitigation tools, chargeback management, and redundancy across banking partners to minimize downtime. Each merchant is assigned a dedicated client success manager to guide onboarding and ongoing operations, and the system is designed for smooth integration and minimal disruption during setup. -
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Maksu
Maksu
Maksu enables businesses of all sizes to receive and manage online payments with efficiency and strong security. It offers customizable payment solutions built on a foundation of 25 years of payment-technology experience, designed to reduce friction in conversions and streamline the payment journey for merchants. The platform is scalable and covers a broad range of online payment methods, providing clear, transparent pricing and a flexible architecture that grows with business needs. Maksu also emphasizes enterprise-grade security, compliance readiness, and simplified integration so that merchants can focus on growth instead of payment infrastructure. Our simplified onboarding process eliminates complexity, whether you’re a small merchant or a large enterprise. With our expert integration support handling the technical details, you can focus on growing your business. -
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Mondo
Mondo
Mondo is a PSD2-compliant Open Banking payment platform that enables businesses to accept secure, instant payments directly from customer bank accounts—no cards required. It eliminates chargebacks and reduces transaction fees while offering real-time settlement via SEPA Instant and UK Faster Payments. With bank-grade security and GDPR compliance, Mondo ensures full protection of customer data and regulatory alignment across Europe. Its API allows for seamless integration with just a few lines of code, making it simple for developers to get started quickly. By connecting with over 3,000 banks across the EU and UK, Mondo provides broad coverage and exceptional reliability. Designed for the digital economy, it’s a faster, safer, and more cost-effective alternative to traditional card payments.Starting Price: 2% -
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8am AffiniPay
8am
8am AffiniPay is a payment-management platform tailored for associations, nonprofits, and member-based organizations that enables them to accept and manage dues, event registrations, donations, and sponsorship payments through a unified system. It provides secure, PCI-compliant processing for credit/debit cards and e-checks, offers customizable branded payment pages and brochures, and automates recurring billing and reminders to reduce manual follow-up. The platform integrates with association-management systems, membership databases, and finance tools, so transaction data flows seamlessly into reporting and reconciliation workflows. Dashboards deliver real-time visibility into payments, deposits, and member-activity metrics, reducing administrative overhead and improving cash-flow predictability. Additional features include support for in-person card readers, flexible payment methods, and enterprise-grade security and compliance standards to ensure member data and funds are protected. -
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ARISE from Aurora Payments
Aurora Payments
The ARISE payments platform offers an all-in-one gateway enabling businesses to accept payments, protect revenue, and control finances via a flexible commerce engine. It supports credit cards, debit cards, ACH, checks, and more across online, in-store, invoice, and mobile channels, all unlocked by one integration. It features embedded payments for software vendors, branded invoicing with one-click links, subscriptions/recurring payments, surcharge or cash-discount models to offset fees, and a single dashboard delivering real-time reporting, network tokenization, fraud tools, and 99.99% uptime via a cloud-native active-active architecture. Aurora positions ARISE as a “payment platform built for Main Street commerce,” with same-day virtual-terminal activation, plug-and-play terminal setup, and U.S.-based support. It emphasizes modular expansion (no re-platforming required) for merchants, SaaS platforms, ISVs, and software, enabling quick onboarding. -
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Flatpay
Flatpay
Flatpay is a payment processing and point-of-sale platform that enables businesses to accept secure, electronic payments in-person, online, and via integrated POS systems with simple, transparent pricing and no hidden fees. It supports payment terminals that accept major credit and debit cards (including contactless and mobile wallets), are wireless with Wi-Fi and cellular connectivity, and include features like receipt printing, automatic reporting, transaction history, and configurable tip management, all designed to streamline checkout and reduce administrative work. Flatpay’s POS system brings together sales processing, inventory management, sales analytics, and real-time reporting in one intuitive interface, letting businesses track product movement, manage accounts, and gain insights into performance. For online sales, the solution offers a secure, ecommerce payment integration that works with leading web platforms to handle card and digital wallet transactions. -
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Ivy
Ivy
Ivy is a unified financial infrastructure platform designed to move money at internet speed by combining payments and banking in one solution that lets businesses receive, hold, send, and convert funds across fiat and stablecoins with a single API. It supports real-time account-to-account payments so merchants can collect funds directly from customers’ bank accounts instantly and reduce reliance on cards, wallets, or intermediaries while improving margins and eliminating chargebacks. Ivy includes products for instant payments, multi-currency accounts with local IBANs, stablecoin settlements, and real-time payouts that send funds directly to customer bank accounts. Ivy’s infrastructure connects local and cross-border fiat rails with major blockchains to enable seamless on- and off-ramps between fiat and stablecoins, empowering global and crypto businesses to manage deposits, withdrawals, settlement, and conversion in a compliant way. -
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FastPay
FastPay
FastPay is a Direct Debit management platform that lets businesses collect payments reliably and securely while reducing administrative work and improving cash flow. It offers both Bureau and Managed Direct Debit solutions, removing the need for companies to buy or maintain costly Bacs software or obtain their own Service User Number (SUN) for collections, and gets clients set up in as little as 24 hours. FastPay’s software includes an online account dashboard and API that integrate with accounting systems like Xero, Sage, QuickBooks, and bespoke systems to keep payment data up to date and streamline workflows. It supports branded, paperless, phone, or paper Direct Debit sign-ups and proactive reporting so users stay informed of successful, bounced, or canceled payments, with same-day notifications. FastPay’s services also include tools for managing Direct Credits, tailored templates, and comprehensive reporting and database management.Starting Price: $65.50 per month -
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Payment Nerds
Payment Nerds
Payment Nerds is a payment processing tool that helps businesses accept credit and debit card payments across a range of environments including online, in-person, mobile, and mail/telephone orders, offering tailored solutions for low-risk, medium-risk, and high-risk accounts with advanced security, fast onboarding, and seamless integration with existing systems. It provides merchant services such as credit card processing, payment gateways, virtual terminals, integrated POS systems with inventory management and customer analytics, support for multiple payment methods including contactless and digital wallets, and APIs designed for smooth integration with ecommerce and accounting tools. It emphasizes a streamlined setup that can start processing payments in under 24 hours with instant approvals and comprehensive customer support, plus features like real-time transaction monitoring, fraud protection, customizable reporting, and multi-currency acceptance. -
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CatalystPay
CatalystPay
CatalystPay is a payment processing platform that acts as your on-demand payment officer, helping digital businesses handle global transactions, optimize revenue, and simplify complex payment operations. It offers merchant and business accounts with access to 30+ acquiring banks, support for 150+ processing currencies, and multi-currency business accounts to pay vendors, settle invoices, and manage international payroll from one place. It provides a PCI DSS Level 1 compliant payment gateway with smart routing, fraud prevention, high approval rates, and integration options for major e-commerce systems, enabling businesses to accept a wide range of payment methods including cards, digital wallets, bank transfers, and crypto. CatalystPay also delivers comprehensive reporting and analytics tools that let users monitor transactions, generate financial and risk reports, and reconcile data easily. Its payment strategy and optimization services including personalized consultation. -
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buyline
buyline
Buyline is a retail point-of-sale (POS) finance solution that lets small and medium-sized enterprises give their customers flexible payment options, including interest-free credit and regulated finance plans with varied terms and interest rates, to make purchases more affordable and boost conversion and revenue. It supports businesses across sectors such as retail, healthcare, dental, education, aesthetics, sporting goods, and veterinary, and removes typical barriers by not requiring minimum trading periods or turnover for partners to participate. Buyline enables quick onboarding, automated or underwriter-reviewed applications, and technology-driven affordability checks that reduce the need for bank statements, helping merchants offer finance at the point of sale in store, online, or via phone. It includes tools like an online training suite to help staff discuss financing options and an analytics suite to tailor offerings to customer needs. -
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Paycile
Paycile
Paycile is an intelligent payment processing and reconciliation platform that simplifies how businesses handle incoming payments, automatically matches those payments to invoices or receivables, and delivers real-time clarity into transaction flows and financial records. It provides secure, bank-level encrypted payment processing combined with fraud protection and continuous analytics dashboards so teams can monitor reconciled and outstanding items without manual spreadsheets. Through its platform and APIs, Paycile integrates payment activity directly back to a company’s general ledger or ERP system to reduce manual accounting work, eliminate errors, improve cash flow visibility, and accelerate the reconciliation cycle with automated matching and reporting. Paycile's automated reconciliation transforms what is usually a reactive, error-prone task into a proactive control that saves time, improves accuracy, and supports faster decision-making by finance teams. -
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PayiQ
PayiQ
PayiQ is a cloud-enabled payment processing and payments intelligence platform built to replace legacy, pre-internet payment systems with a scalable, secure, and data-rich solution that serves merchants, independent sales organizations, and independent software vendors through a full suite of processing services, automated tools, and deep consumer insight capabilities. Its cloud architecture delivers faster transaction processing, strengthened security, and automated management functions such as risk assessment, merchant onboarding, chargeback handling, and residual calculations, reducing manual work and operational overhead for resellers and partners while allowing them to focus on revenue growth. For merchants, PayiQ captures and analyzes detailed transaction and order data from all channels to transform previously anonymous card-paying customers into first-party profiles that include purchase behaviors, preferences, and frequency, enabling personalized segmentation. -
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MineralTree
MineralTree
MineralTree provides secure, easy-to-use, end-to-end Accounts Payable and payment automation solutions that reduce costs by more than 75%, increase visibility and control, mitigate fraud and risk, while improving cash flow. More than 2,000 mid-sized companies, as well as more than 25 financial institutions, rely on MineralTree to help transform the finance function from a cost center to a profit center. With MineralTree, you can be up and running in days or weeks. -
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GPN DATA Payment Gateway
GPN Data Group International
GPN DATA offers full, online Payment Gateway services and provides eCommerce merchants with a vast array of innovative, highly developed and state-of-the-art counter risk tools to ensure their transactions are processed fast and securely. Our constant aim is to secure continuous development and provide a payment solution that is always a step ahead of expectations. The gateway was created in-house, by professionals with over 15 years of experience in the credit card processing industry. The gateway is written in a scalable environment, and transactions are stable, secure and reliable. The gateway is highly efficient and designed to process every transaction with no delays. Multiple and diverse security measures are integrated directly in the application, which guarantees the shortest possible transaction time. We constantly retain and analyze data, which has become an indispensable tool in improving our services and providing intuitive solutions based on evidence and numbers. -
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Midax
Midax
Since 1998 Midax has been providing robust loyalty and payment solutions for the grocery, C-Store and petroleum industries. MIDAX has continued to evolve with customer-facing touch points for communicating with the customer with POS, mobile ordering, and self-checkout, with one common user experience across all platforms. Midax distributes its products directly, providing the hardware, installation and maintenance services. Midax, Inc. is a Virginia-based software development company focused on retail technology, anchored in grocery and C-stores. We are pioneers in building integrated EFT and loyalty solutions, dating back to 1998 when the company was founded by Jim Nevill. MIDAX's strength is moving data reliably and with the industry’s best tracing and audit controls, allowing us to collect and distribute data reliably and consistently. While we are most known for deploying these skills in loyalty and payment processing and interfacing into multiple POS, and third-party services. -
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PayLocalGov
Value Payment Systems
No-cost payment solutions used by all levels of government to increase efficiency in revenue collection and improve cash flow. A must-have payment type for most government clients. Permitting, recording, registration fees, fines, dog, hunting, fishing licensing, convenient offerings that easily win over constituents. Our proprietary, omnichannel e-payment platform is designed to expedite program implementation and mitigate ongoing support time. Our commitment to continuous program improvement and promotion of our e-payment programs through partnership with our clients helps both government and taxpayers save time and dollars. Electricity, gas, water, county and municipal services supported by VPS e-payment solutions. Successfully adopted by a number of states and counties. Value Payment Systems (VPS) is a privately held company with broad national client and platform expertise with governments (federal, state, local), property management, utility companies, etc. -
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EVO Payments
EVO Payments
EVO differentiates itself through our four distinct business channels, each with sales and operations teams delivering expert payment solutions and services. ISV and reseller partnerships that accelerate technology solutions at the point of sale. Payment solutions for large merchants with A/R automation and ERP integrations. Merchant relationships focused predominantly on the internet to conduct business. Small- to medium-sized businesses that sell primarily in brick and mortar storefronts. Countertop terminals that accept all payment methods, including EMV, chip and PIN, magstripe, and NFC/Contactless. The fastest way for POS developers to integrate advanced security, features, and functionality into their payment solutions. EVO Payments offers a range of semi-integrated solutions that allow merchants to accept EMV payments easily and affordably. Secure mobile payment solutions that include PCI-compliant wireless terminals, handheld devices, and tablet solutions. -
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EASY PAY
Easy Pay Solutions
Get up and running quickly with our payment widgets, or view our API code to create a seamless payment experience within your software solution. Experienced payment professionals with a proven history of helping businesses navigate & prosper in the payment processing industry for two decades. Manage payment transactions in one place without the need to connect to a gateway and pay third party fees. Swipe or key in transactions directly through your virtual, online payment terminal. Provide paid access to remote health care services for telehealth-based patients. Send electronic invoices for immediate payments via our SMS, mobile text payment platform. Save tokenized, credit card information for future payments using our PCI-compliant technology. Avoid touching vulnerable payment information by embedding our secure payment widgets. Set up recurring payments using tokenized card data for periodic or subscription-based billing. -
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aPay Payment Gateway System
Almuqeet Systems
As the world has stepped into a digital age, customers are preferring payment gateway systems to make their payments. However, with this increasing trend for online payments demands a transaction system to be highly secure, safe and easy to use. To meet the customer requirement aPay Payment Gateway engine for processing credit card, e-check, debit card, EBPP, and other transactions was introduced by ASPL. Our gateway engine meets all PCI DSS guidelines. aPay Payment Gateway doesn’t require any software for functioning but can be handled remotely. The gateway is easy to use and can handle a high volume of transactions. Our platform and gateway is available to financial institutions, acquiring banks, payment service providers, and large merchants as Platform as a Service (PaaS). Powerful workflow flow, which operates in conjunction with the accounting engine and is used as control and manages all the processes. -
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Concourse Financial Software Suite
Baldwin Hackett & Meeks
Concourse is a powerful and flexible back office software solution for the processing of electronic payments such as credit card, debit card, ATM, POS, and mobile transactions. Many of the features that make Concourse the preferred choice for financial service companies reside in the Concourse – Core module. These core features are leveraged across all the other modules within the Concourse Financial Software Suite. Concourse – Extended Settlement is a proven software solution that ensures the settlement and funds movement of electronic payment transactions such as credit card, debit card, ATM, POS, and mobile transactions. Its rules-based engine and continuous processing architecture combine to form one of the world’s most flexible, reliable, and cost-effective settlement processing solutions for electronic payments. -
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Zift
Zift
Payments as a Service Zift is that harmonious place where technology merges with payments. ISV’s, developers and software platforms can infuse Zift’s processing technology into their core business offering, thus creating a simple and seamless user experience. Partner with Zift and make payments part of your offering with full support for credit/debit card and ACH transactions with EMV ready credit card terminals connected to our terminal cloud. -
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uPayments
Transformations
Uluro® uPayments is a powerful platform that enables traditional print service providers to complement their existing services with electronic bill presentment and secure payment functionality adding more value to the overall customer offering. Generate and deliver bills automatically across multiple channels using Uluro’s fully integrated bill payment solution that offers complete site branding and security that satisfies the most demanding requirements—all without the need for complex programming. As a standalone solution, uPayments can seamlessly integrate with your current software platform. Quickly add a user-friendly platform with full-scale EBPP, eBill, EIPP or payment processing capabilities. Uluro’s uPayments integrates directly with multiple Payment Processors such as FIS/Worldpay and First American Payment Systems, eliminating the need for costly gateways and supports the many diverse requirements for B2B and B2C billing. -
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EzLink Enterprise EFT Switch
CashLink Global Systems
EzLink Enterprise is a PA-DSS 3.2 Certified, high-performance, credit and debit-processing EFT (Electronic Fund Transfer) switch, capable of authorizing & routing any financial transaction based on the pre-defined rules/configurations. EzLink Enterprise supports a wide variety of platforms and configurations and is tailored to meet clients’ site specific and hardware requirements. EzLink has the capability to drive any SSTs such as ATM, Kiosk, POS and Teller Terminals directly. External Interface is provided through Standard ISO 8583. EzLink switch is designed to handle the complex flow of acquirer & issuer transactions within as well as across different financial institutions in a very flexible/configurable way, thereby providing the exact solution intended to meet the client requirement. EzLink supports ISO 20022 Messages which offers a universal messaging language throughout the payment chain, on an International scale. -
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Moolah
Moolah
Enable payments on your website or app, ranging from simple "Buy Now" and "Donate" buttons to fully integrated, highly customizable APIs. Join hundreds of thousands of merchants and developers who have already implemented these proven APIs. Give your customers the convenience of paying securely online by credit card or Apple Pay, all included with your free Authorize.Net payment gateway. Automated Recurring Billing™ (ARB) is a convenient and easy-to-use tool for submitting and managing recurring, or subscription-based, transactions. Request payments from customers by sending them an invoice. Customers receive the invoice by email and click a link to view and pay. Identify, manage and prevent suspicious and potentially costly fraudulent transactions with our exclusive customizable, rules-based Advanced Fraud Detection Suite™ (AFDS). -
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OmniFund
OmniFund
Our Payments as a Platform® solution simplifies the payment process, creating a seamless experience for you and your customers. We help protect your company from fraud and provide the tools and support you need to grow your business and accept payments the way your customers want with less overhead and minimal risk. Our team of payment experts is adept at understanding challenges, pain points, and problems. We develop customized payment solutions that fit your unique environment. From small startups to Fortune 500 companies, our solutions enable businesses to efficiently and securely process payments through a variety of channels. -
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Payment Aggregator
Axmor Software
The payment gateway aggregator enables retailers to provide customers with a fast, reliable payment service. Custom development of this kind of software creates an opportunity to marry the convenience of supporting various payment methods with the security of a closed storage system for payment and personal data. Developing custom payment aggregator software is one of Axmor Software’s key services. To develop a payment aggregator for integration with a large number of acquiring banks and processing centers, supporting various payment methods, detecting suspicious transactions, and securely storing payment and personal data. -
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Partial.ly
Partial.ly
Stop losing sales! Use flexible payment plans to seamlessly automate installment payments for products and services. Let customers and clients choose to pay at a rate that matches their finances. Check out our growing list of online stores that offer payment plans through partial.ly. We're sure you'll find something you'll love. More merchants are added very frequently so make sure to check back again and again. For any business issuing large invoices, Partial.ly lets you offer a custom, flexible payment plan to your clients to start payments right away. Connect to existing invoicing software to send payment plan offers in bulk, or use Partial.ly as a standalone payment plan service. For eCommerce, link your shopping cart to the intuitive and easy-to-use Partial.ly customer checkout. Let your customers select the terms that best fit their finances, increasing sales and conversation rates for your business. -
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PaymentVision
PaymentVision
Recieve payments via ACH payment solutions. Your customers can pay anywhere, anytime and from any device with our secure online payment solution. PaymentVision’s online bill payment services enable your customers to pay anywhere, anytime, and from any device. Provide your customers with a secure, self-managed, multi-lingual phone system, allowing you to collect phone payments automatically, 24/7, without an agent. Our virtual terminal can simplify payment processing for your team and optimize the call handling time. Create a compliant and customer-friendly experience with our integrated payment solutions for interactive kiosks and other types of self-service terminals. Real-time ABA and account number verification, custom reporting options, and additional features help your business streamline the processing of checks.
