Researched and Edited by Rajat Gupta
Last updated: June 27, 2026 · How we review
Payment Gateway Software overview
Spotsaas tracks 81 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.
- 81
- 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 41-60 out of 81
8.3
SpotScore

Akurateco
Empowering merchants with efficient payment control.
Best for: SMB teams · Mid-market · Enterprise
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What is Akurateco?
Akurateco, is a white-label payment gateway management software, designed to help merchants across different industries achieve complete command over their payment flow. A fees engine within the particular has the ability to monitor and estimate settlements of individual payment channels. Users ...
Read more about AkuratecoAkurateco offers custom pricing plan
8.3
SpotScore
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What is SuperPay?
SuperPay is a payment gateway software which allows users to accept credit card payment on their website and transfer the amount to their bank account. With its 100% secured and PCI-DSS compliant cloud solution, SuperPay will ensure that your customers can make payments without worrying about ...
Read more about SuperPay8.3
SpotScore

Stripe Connect
Streamline your online payments with Stripe Connect.
Best for: SMB teams · Mid-market · Enterprise
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What is Stripe Connect?
Stripe Connect is a payment platform layer used by software companies and marketplaces that need to route payments between buyers and sellers — such as gig economy apps, SaaS billing platforms, and on-demand marketplaces. It handles fund disbursement to third-party accounts, platform fee ...
Read more about Stripe ConnectStripe Connect offers custom pricing plan

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8.3
SpotScore

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What is SafexPay?
SafexPay is a payment gateway built for online merchants and payment service providers that need to accept card and net banking payments under a single integration. It routes transactions across credit cards, debit cards, and net banking while handling security and scalability on the backend. ...
Read more about SafexPaySafexPay offers custom pricing plan
8.2
SpotScore

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What is Better Payment?
Better Payment is a payment gateway for online merchants who need a customizable checkout experience that accepts all major credit and debit cards with PCI-compliant security. It includes checkout configuration tools that let businesses tailor the payment flow to their brand without requiring ...
Read more about Better PaymentBetter Payment offers custom pricing plan
8.2
SpotScore

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What is NETELLER?
NETELLER's payment gateway software makes it easy for you to accept secure online payments and credit card transactions from your customers. With tools that keep your business in the green, you can manage chargeback and fraud, see more insights into customer buying habits, and get support when ...
Read more about NETELLERNETELLER offers custom pricing plan
8.2
SpotScore

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What is Paymill?
Paymill is a payment gateway for online merchants in Europe that need to accept credit cards, debit cards, and PayPal without building payment infrastructure from scratch. It provides a developer API that lets engineering teams add checkout functionality to websites without handling card data ...
Read more about PaymillPaymill offers custom pricing plan
8.2
SpotScore

Atom Paynetz
Unlock limitless payment options for your business.
Best for: SMB teams · Mid-market · Enterprise
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What is Atom Paynetz?
Atom Paynetz is a multilingual payment gateway for merchants serving multiple regional markets who need to accept credit cards, e-wallets, and local payment methods through one integration. Its multilingual interface and support for South Asian local payment options make it suited for ...
Read more about Atom PaynetzAtom Paynetz offers custom pricing plan
8.1
SpotScore

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What is OnePay?
Introducing OnePay, the cutting-edge solution for optimizing flexible payment options. Our innovative platform is designed to simplify all financial transactions, providing users with a secure and reliable experience. With the latest technology at your fingertips, you can trust that your ...
Read more about OnePayOnePay offers custom pricing plan
8.1
SpotScore

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What is ChargeKeep?
Introducing ChargeKeep – the best-in-class, hassle-free recurring payments software. With its lightweight design and user-friendly interface, ChargeKeep seamlessly integrates with your website, making it easy for you to accept payments. This powerful tool is trusted by businesses for its ...
Read more about ChargeKeepStarts from $16/Month when Billed Yearly
8.1
SpotScore

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What is Coriunder BAAS?
Coriunder BAAS - Payment Gateway software is designed for Banks, Financial Institutions, e-Commerce Merchants and Enterprise Businesses. It helps them to offer secure and convenient online payment gateway services to their customers that accept various payments including Debit /Credit Cards, ...
Read more about Coriunder BAASStarts from $500/Month, also offers free forever plan
8.1
SpotScore

Commercial Payments Exchange
Secure, seamless payments for your business.
Best for: SMB teams · Mid-market · Enterprise
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What is Commercial Payments Exchange?
The Commercial Payments Exchange (CPX) is a payment gateway software that allows businesses to accept online payments by credit/debit card, ACH and eCheck. CPX is designed with a large number of features: blockchain technology, PCI-DSS compliance, zero fraud guarantee for both online and ...
Read more about Commercial Payments ExchangeCommercial Payments Exchange offers custom pricing plan
8.1
SpotScore

Ezidebit
Effortlessly accept payments, anytime, anywhere.
Best for: SMB teams · Mid-market · Enterprise
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What is Ezidebit?
Ezidebit software lets you accept credit card payments online, in store or over the phone. It comes pre-configured with everything you need to take payments. And because it's flexible to suit your needs, you can connect your existing hardware (such as a PC, tablet or PoS terminal) or use our
Read more about EzidebitEzidebit offers custom pricing plan
8.1
SpotScore

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What is Spreedly?
Spreedly is a developer-focused payment orchestration platform used by software teams and online merchants that need to connect to multiple payment processors or swap gateways without re-engineering their checkout flow. It vaults card data centrally so teams can route transactions to different ...
Read more about SpreedlySpreedly offers custom pricing plan
8.1
SpotScore

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What is Cardknox?
Cardknox is a payment gateway for merchants and developers who need to accept card payments both online and at physical locations through a single platform. It combines hardware terminal support, a developer API, and an online store builder, letting businesses avoid managing separate in-store ...
Read more about CardknoxCardknox 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
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

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What is BizPayO?
BizPayO is an online payment processing solution for e-commerce merchants that need a secure way to accept credit card transactions through a customizable API or software integration. It focuses on reliability for website-based transaction flows, though integration may require developer ...
Read more about BizPayO8.1
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 Cashfree8.0
SpotScore

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What is Spay.Live?
Spay.Live is an automated payment system that makes it easier to manage customers' payments, contract and staff payments, and investments. With the help of payment links sent through email, SMS, messenger, and chatbots, customers can pay right away. Utilizing virtual accounts and UPI-IDs, ...
Read more about Spay.LiveSpay.Live offers custom pricing plan
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Each round-up compares that product against the closest options on features, pricing and user ratings.
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].











