Researched and Edited by Rajat Gupta
Last updated: June 27, 2026 · How we review
Payment Gateway Software overview
Spotsaas tracks 45 products in Payment Gateway Software, ranked by SpotScore — a blend of feature coverage, verified review ratings, and value. 10 let you start on a free trial, and 10 keep a free plan you can stay on. Most buyers here are Finance managers at e-commerce companies managing multi-channel payment reconciliation.
- 45
- products listed
- 10
- offer a free trial
- 10
- have a free plan
- 38
- priced per subscription
- 81
- quote on request
Editor's Summary · Payment Gateway Software
PayPal holds the top SpotScore of 9.8 backed by 26,837 reviews — the most review data in this category by a wide margin — with near-universal merchant adoption for standard online checkout flows, even with a lower per-user satisfaction score that captures the buyer-side experience more than merchant sentiment. Payoneer earns a 4.1/5 from 39,732 reviews at a 9.3 SpotScore, with the deepest coverage for cross-border B2B payments, marketplace payouts, and multi-currency disbursements to international contractors and suppliers. Paytm Payment Gateway scores 4.5/5 from 86 reviewers at an 8.9 SpotScore, the clear choice for merchants based in India that process UPI, net banking, wallet, and card transactions through a single integration.
Payment gateway software processes digital payments between merchants and their customers, handling card authorization, settlement timing, multi-currency conversion, and fraud screening. The main buyers are e-commerce operators, SaaS founders managing subscription billing, and finance teams at companies processing substantial online payment volume.
Quick picks for Payment Gateway Software
- Best overall — PayPal
- Best for cross-border and contractor payouts — Payoneer
- Best for India-focused merchants — Paytm Payment Gateway
Who gets the most from Payment Gateway Software
- 1Finance managers at e-commerce companies managing multi-channel payment reconciliation
- 2Developers at SaaS companies integrating payment gateway APIs for subscription billing
- 3Payment operations leads at global marketplaces maintaining secure and compliant transaction processing
How to choose Payment Gateway Software
If you need broad global payment support, filter by gateways offering multi-currency and international transactions. For quick setup and ease of use, sort by user ratings and filter for platforms with responsive customer support. Enterprises requiring reliable API integrations should filter by API availability and integration options.
Showing 21-40 out of 45
8.5
SpotScore

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What is UniPay Gateway?
UniPay Gateway is a payment processing platform for e-commerce operators that need to automate credit card authorization and data storage without manual transaction handling. It captures card data, authorizes transactions, and writes records to a connected database in a single workflow, ...
Read more about UniPay GatewayUniPay Gateway offers custom pricing plan
8.6
SpotScore

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What is Trustly?
Trustly is a payment gateway solution for merchants to easily accept payments online. It offers many benefits to both the merchant and customer, such as handling bank card information in an encrypted and confidential way, reduced costs and a simplified checkout process. Features include: - ...
Read more about TrustlyTrustly offers custom pricing plan
8.6
SpotScore
Cashfree Payments
Simple. Secure. Swift. Your ultimate financial solution.
Best for: SMB teams · Mid-market · Enterprise
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What is Cashfree Payments?
Cashfree Payments is a payment gateway for Indian businesses that handles both payment collection and disbursement. It supports recurring subscriptions, bank account verification, and payouts to bank accounts, PayTM wallets, or UPI addresses, with domestic and international funds settling ...
Read more about Cashfree PaymentsCashfree Payments offers custom pricing plan

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8.1
SpotScore

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What is Viewpost?
Viewpost is a payment gateway for brick-and-mortar retailers in industries like travel, hospitality, lodging, and automotive that want to extend their physical retail operations into digital and electronic payment channels. It is built to bridge offline retail environments with online payment ...
Read more about ViewpostStarts from $14.99/Month
8.1
SpotScore

Cashfree
Efficient payments for smooth business transactions.
Best for: SMB teams · Mid-market · Enterprise
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What is Cashfree?
Cashfree is a payment gateway software using which merchants can accept payments from their customers either through electronic or card payments and can also manage their online/offline businesses effectively. The payment gateway software provides all the facilities which are needed by the ...
Read more about Cashfree8.6
SpotScore

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What is PaySimple?
PaySimple is a digital payments platform for small and mid-sized service businesses that need to accept payments, automate recurring billing, and manage customer accounts in one system. It handles future payment scheduling and automated billing reminders, which reduces manual follow-up for ...
Read more about PaySimpleStarts from $59.95/Month
8.6
SpotScore

Cheddar Up
Streamline payments and boost sales with ease.
Best for: SMB teams · Mid-market · Enterprise
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What is Cheddar Up?
Cheddar Up is a payment collection platform built for e-commerce merchants, school groups, and community organizations that need to accept credit card, ACH, and check payments without incurring chargeback liability, minimum sales requirements, or monthly subscription fees. It supports hundreds ...
Read more about Cheddar UpStarts from $10/Month, also offers free forever plan
8.6
SpotScore

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What is Tranzzo?
Tranzzo payment gateway software is ideal for any business that processes online payments including e-commerce, retail, utilities or service providers. Tranzzo allows your business to accept customer payments from more sources including PayPal, authorize, credit cards and gift/debit cards ...
Read more about TranzzoTranzzo offers custom pricing plan
8.1
SpotScore

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What is Zoho Checkout?
Zoho Checkout is a payment gateway for small and medium-sized online merchants that need to accept credit cards, debit cards, checks, and ACH payments through their websites. It integrates naturally within the Zoho product ecosystem, making it the logical choice for businesses already running ...
Read more about Zoho CheckoutStarts from $9/Month when Billed Yearly, also offers free forever plan
9.1
SpotScore

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What is 2Checkout?
2Checkout (now operating as Verifone) is a global payment gateway for software vendors and subscription businesses that sell digitally across multiple countries and need to handle local payment methods, currencies, and tax compliance in international markets. Dedicated account managers are ...
Read more about 2Checkout2Checkout offers custom pricing plan
8.5
SpotScore

Pine Labs
Boost revenue and streamline operations with Pine Labs.
Best for: SMB teams · Mid-market · Enterprise
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What is Pine Labs?
Pine Labs offers a comprehensive suite of solutions for businesses, empowering them to boost revenue and streamline their operations. Our merchant platform merges cutting-edge technology and financial services, creating opportunities for growth and minimizing risks. Through collaborations with ...
Read more about Pine LabsPine Labs offers custom pricing plan
8.5
SpotScore

MultiSafepay
Secure payments made easy for online merchants.
Best for: SMB teams · Mid-market · Enterprise
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What is MultiSafepay?
MultiSafepay is a payment gateway for European online merchants — particularly those on Magento — that need access to a wide range of payment methods including cards, buy-now-pay-later options, and regional European instruments. Its Magento plugin is well-regarded by Dutch e-commerce merchants, ...
Read more about MultiSafepayMultiSafepay offers custom pricing plan
8.8
SpotScore

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What is Adyen?
Adyen is a global payment processing platform used by mid-market and enterprise retailers, marketplaces, and financial services firms that process transactions across multiple countries and sales channels. It unifies online, mobile, and in-store payments under one integration, eliminating the ...
Read more about AdyenAdyen offers custom pricing plan
8.0
SpotScore

Envoice
Streamline payments and grow your e-commerce business.
Best for: SMB teams · Mid-market · Enterprise
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What is Envoice?
Envoice is payment gateway software for e-commerce merchants. It helps you accept payments over the Internet and send invoices to buyers. With its built-in accounting system you can manage your finances while growing your business. Our software is secure and merchant-friendly – it will get you ...
Read more about Envoice8.3
SpotScore

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What is Paystand?
Paystand is a web-based payment gateway for e-commerce store operators that need to accept credit cards, ACH transfers, checks, and recurring payments through one platform. It centralizes customer payment records and automates recurring charge cycles, reducing manual reconciliation work for ...
Read more about PaystandPaystand offers custom pricing plan
8.6
SpotScore

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What is Citrus?
Citrus is a payment gateway for small to medium-sized businesses that need to accept card payments, bank transfers, and mobile payments without depending on an external payment provider. Its in-house processing model gives merchants direct control over payment data and transaction flows within ...
Read more about CitrusCitrus offers custom pricing plan
9.3
SpotScore

Authorize.Net
Secure payment solutions for your business.
Best for: SMB teams · Mid-market · Enterprise
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What is Authorize.Net?
Authorize.Net is a payment gateway for businesses that process credit card and electronic check payments on websites and mobile apps, with broad support for major e-commerce platforms and accounting integrations. It carries a monthly gateway fee ($25-$99 depending on plan) plus per-transaction ...
Read more about Authorize.NetStarts from $25/Month

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What is Uviba?
Uviba is a payment API for e-commerce and trading businesses that integrates in under 30 seconds. It accepts cards from customers worldwide, includes fraud protection, and supports in-person payments through Uvicheck. A WordPress plug-in is also available for manual and automatic integration.
Read more about Uviba8.5
SpotScore

PaySpace
Streamline payments for successful business growth.
Best for: SMB teams · Mid-market · Enterprise
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What is PaySpace?
PaySpace is a PCI-compliant payment gateway built for high-risk merchants in sectors like CBD, online gambling, and nutraceuticals that face rejection from standard payment processors. It routes transactions through acquiring banks that specialize in high-risk verticals, though document ...
Read more about PaySpacePaySpace offers custom pricing plan
8.6
SpotScore

Mollie
Accept payments effortlessly, meet your customers' needs.
Best for: SMB teams · Mid-market · Enterprise
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What is Mollie?
Mollie is a payment gateway for European e-commerce businesses and online merchants that need to accept credit cards, iDeal, PayPal, and regional digital wallets through a single integration. It is especially well-suited for Dutch and broader European merchants due to its native iDeal support ...
Read more about MollieMollie offers custom pricing plan
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Frequently Asked Questions About Payment Gateway Software
Stuck on something? We're here to help with all the questions and answers in one place.
The most important Payment Gateway Software features to evaluate are Mobile Payments, Online Payments, Payment Processing, Dashboard, Saved Cards, Website Payments. Most buyers prioritize ease of use, reporting, and integration capabilities when choosing a solution. Look for tools that cover your core workflow before comparing advanced features.
Payment Gateway Software pricing varies widely — from free plans to enterprise contracts. 8 products on Spotsaas offer a free plan or trial, including SuperPay, ChargeKeep, BizPayO. Paid plans typically start around $10–$50/month per user. Check individual product pages for current pricing.
The top rated Payment Gateway Software based on verified user reviews and SpotScore are PayKun, Coriunder BAAS, Cardknox. These tools consistently score highest on ease of use, feature depth, and customer support quality. Ratings are updated monthly based on real buyer feedback.
To choose the right Payment Gateway Software, start by listing your must-have features — commonly Mobile Payments, Online Payments, Payment Processing, Dashboard, Saved Cards, Website Payments. Then filter by team size, budget, and integrations you already use. Compare at least 3 options and use free trials to test before committing. Spotsaas lets you compare side-by-side in minutes.
Yes — 8 Payment Gateway Software on Spotsaas offer a free plan or free trial. Popular free options include SuperPay, ChargeKeep, BizPayO. Free plans typically cover core features for small teams; paid upgrades unlock advanced reporting, integrations, and support.
The best Payment Gateway Software for small businesses are affordable, quick to set up, and scale without complexity. Top picks for small teams are PayPal, Payoneer, Authorize.Net. Look for tools with per-user pricing, no long-term contracts, and strong onboarding support to minimize ramp-up time.
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].











