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 61-80 out of 81
8.0
SpotScore

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What is PayFlexi?
Introducing PayFlexi, the ultimate payment gateway solution designed to boost your sales by maximizing client conversions. With this platform, customers can easily pay for products and services using personalized installment and payment options. Say goodbye to multiple payment methods as ...
Read more about PayFlexiStarts from $10/Month, also offers free forever plan
8.0
SpotScore

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What is Heartland eCommerce?
Heartland eCommerce is a payment gateway software. It provides the tools to enable secure on-line credit card and debit card payments, and processes transactions at competitive prices. The platform's selection of advanced payment features provides them with a large amount of flexibility for ...
Read more about Heartland eCommerceHeartland eCommerce offers custom pricing plan
8.0
SpotScore

Deluxe eChecks
Secure, convenient electronic payments for your business.
Best for: SMB teams · Mid-market · Enterprise
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What is Deluxe eChecks?
The Deluxe eCheck software is the well-built gateway to success for merchants accepting eChecks. Gateway modules are included to process eCheck deposits, In-house ACH (RDC), and external ACH (ATM). Make payments anytime, from anywhere. Receive payments however user choose. DPX gives both sender ...
Read more about Deluxe eChecksStarts from $30

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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 Envoice8.0
SpotScore

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What is DirecPay?
DirecPay is a payment gateway software system designed to make the process of accepting credit cards and other electronic payments easy and cost effective. It's customizable to your business needs, including specialized reports that track customers and their transactions, inventory and more. ...
Read more about DirecPayDirecPay offers custom pricing plan
8.0
SpotScore

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What is Payfacile?
Payfacile is a payment gateway software that allows online merchants to accept credit cards, debit cards, e-checks, and ACH payments on their e-commerce websites. This secure payment gateway software provides complete freedom and control to your business. Payfacile is easy to use, affordable, ...
Read more about Payfacile7.9
SpotScore

Compass Payments Suite
Simplify online payments for small businesses.
Best for: SMB teams · Mid-market · Enterprise
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What is Compass Payments Suite?
Compass Payments is a payment gateway software that lets small businesses accept credit cards on the Internet. This flexible solution has been tailored to make it easy for businesses of all sizes to accept and process credit card payments at a lower cost than traditional PCI-DSS compliant ...
Read more about Compass Payments SuiteCompass Payments Suite offers custom pricing plan
7.9
SpotScore
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What is Deal?
Deal is a payment gateway for small businesses and freelancers that need to accept credit cards and electronic checks online without complex setup or long-term contracts. It supports multiple currencies, allowing merchants to collect payments from international customers through one account.
Read more about DealStarts from $19/Month, also offers free forever plan
7.8
SpotScore

Beyonic
Simplify payments and secure your money with Beyonic.
Best for: SMB teams · Mid-market · Enterprise
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What is Beyonic?
Beyonic is the ultimate digital payment platform, designed to simplify payment processes and keep your money secure. Effortlessly connect to Quickbooks, Xero and Salesforce from one place. Utilize the power of tech to minimize inconvenient data entry errors or fraudulent activity, instantly ...
Read more about BeyonicBeyonic offers custom pricing plan
7.7
SpotScore

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What is Waya?
Discover Waya, the innovative banking solution crafted to empower minorities and immigrants in the USA. Leave behind the tedious banking processes and embrace a new way of financial management with Waya. Effortlessly open a US Checking account in minutes from the comfort of your home or office, ...
Read more about WayaWaya offers custom pricing plan
7.7
SpotScore

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What is Payworks?
Payworks is a payment gateway for merchants who need to accept payments both online and at physical locations through a single integration, without running separate systems for each channel. It supports credit cards, debit cards, net banking, and local payment options, consolidating ...
Read more about Payworks7.7
SpotScore

Trexle
Streamline your payments, simplify your business.
Best for: SMB teams · Mid-market · Enterprise
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What is Trexle?
Trexle is a payment gateway for online merchants that want to accept both traditional payment methods and alternative options — including Bitcoin, Litecoin, Pecunix, and Webmoney — from a single integration. It consolidates diverse payment types under one system, removing the need to build ...
Read more about TrexleStarts from $100
7.5
SpotScore

Boxopay
Efficiency and security for seamless payment processing.
Best for: SMB teams · Mid-market · Enterprise
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What is Boxopay?
Introducing Boxopay, a self-hosted software solution designed for efficient loyalty management. Gone are the days of dealing with payment processing headaches – Boxopay streamlines the process by providing banks and B2B financial service providers with a cutting-edge platform to easily launch, ...
Read more about Boxopay7.5
SpotScore

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What is Safepay?
Introducing Safepay, the ultimate solution for secure online payments and bank transactions. This powerful browser shields your personal information from hackers, protecting you from malware, phishing, and other cyber threats. With its web-filtering technology, Safepay ensures your online ...
Read more about SafepaySafepay offers custom pricing plan
7.4
SpotScore

PayTrace
Empowering payment solutions for merchants and customers.
Best for: SMB teams · Mid-market · Enterprise
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What is PayTrace?
PayTrace is dedicated to delivering technology solutions with maximum value that empower its sales partners and make customer satisfaction its priority. By providing comprehensive, user-friendly payment options that increase security while reducing processing costs, PayTrace is devoted to ...
Read more about PayTracePayTrace offers custom pricing plan
7.4
SpotScore

Cartfuel
Boost sales, no coding - Cartfuel's got you covered!
Best for: SMB teams · Mid-market · Enterprise
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What is Cartfuel?
Boost your business sales with Cartfuel - the ultimate online payment form management software. Increase your average cart value by 20% in just 5 minutes with our trusted platform, used by over 416 businesses and agencies worldwide. No coding needed - easily turn any landing page or website ...
Read more about Cartfuel7.4
SpotScore

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What is DepositFix?
DepositFix is a web payment gateway for any business to accept credit card payments and online checks. DepositFix handles the transactions from start to finish, streamlining your merchant processing experience. It is compatible with all major e-commerce platforms and shopping carts such as ...
Read more about DepositFix7.2
SpotScore

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What is Maxpay?
Maxpay is the ultimate payment gateway for business. Developed by experienced online business owners, Maxpay is packed with tools, local expertise and risk analytic solutions to help you grow. As running an online business goes beyond payments processing, our team of payments professionals are ...
Read more about Maxpay7.2
SpotScore

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What is Sila?
Sila is the go-to money API for fintech companies. The developer-friendly sandbox, bank agency and embedded compliance features offer customers the chance to transform their MSA into a streamlined production with compliant payments within a few weeks. With Sila, users can relax knowing their ...
Read more about SilaSila offers custom pricing plan

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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 UvibaLooking to replace a Payment Gateway Software tool?
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].











