Which is better, Four or Pin Payments?

Pin Payments edges out Four based on user ratings across 31 reviews. That said, the best pick depends on your workflow — Four may be a stronger fit for specific team sizes or use cases. Review the full comparison to decide.

What are the main differences between Four and Pin Payments?

Key differences between Four and Pin Payments include target audience (Four targets Large Enterprises while Pin Payments serves Individuals). Use the Spotsaas comparison table to evaluate each dimension before deciding.

Do both Four and Pin Payments offer a Free trial?

Neither Four nor Pin Payments offers a free trial.

Who are the typical users of Four?

Four is built primarily for Large Enterprises, Medium Business, Small Business — worth checking against your own team profile before comparing further.

Who are the typical users of Pin Payments?

Pin Payments is built primarily for Individuals, Medium Business, Small Business — worth checking against your own team profile before comparing further.

What is the starting price of Four and Pin Payments?

Pricing details for both Four and Pin Payments are unavailable.

What are the best alternatives to Four?

Some top alternatives to Four include MagicPay, Payfirma, DusuPay, Credit Key, Blackthorn Payments.

What are the best alternatives to Pin Payments?

Some top alternatives to Pin Payments include Limonetik, Merchant One, MagicPay, Omise, Przelewy24.

Four vs Pin Payments Comparison

Last updated: August 21, 2026

Four

4.6(5 reviews)

Starting at Contact for pricing

Large Enterprises
Medium Business

Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that enable Retailers to offer their c…

View Pricing Read Reviews

Pin Payments

4.7(31 reviews)

Starting at Contact for pricing

Individuals
Medium Business

Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible platform that can operate with minim…

View Pricing Read Reviews

Pin Payments leads on user satisfaction with a 4.7-star rating across 31 reviews.

Four vs Pin Payments — at a glance

Feature	Four	Pin Payments
Rating	4.6 / 5	4.7 / 5
Reviews	5	31
Starting price	Contact for pricing	Contact for pricing
Free trial	No	No
Free version	No	No
Best for	Large Enterprises, Medium Business, Small Business	Individuals, Medium Business, Small Business
Category	Payment Processing Software	Payment Processing Software
Platforms	SaaS/Web/Cloud, Mobile - Android, Mobile - iOS	SaaS/Web/Cloud
API	—	Available
Support modes	Online	Business Hours, Online
Certifications	—	GDPR
Data residency	US	US

Key differences between Four and Pin Payments

Target audience: Four is built for Large Enterprises and Medium Business, while Pin Payments targets Individuals and Medium Business.
User satisfaction: Pin Payments scores higher with a 4.7-star average.
Deployment: Four supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; Pin Payments supports SaaS/Web/Cloud.

Four vs Pin Payments — find the better fit before you commit.

Which tool fits your team best

Which is actually cheaper for your team size

Where each product wins, per real buyers

Most Payment Processing Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.

Biggest differences

Features

Pricing

Buying details

Security

Buyer feedback

Integrations

Product tour

Other options

	Four (7) Talk to an expert Talk to an expert	Pin Payments (53) Talk to an expert Talk to an expert

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Four vs Pin Payments: Biggest differences

Affiliate Disclosure

Start here before you go deeper into features.

Four

Best for eCommerce retailers needing flexible buy-now-pay-later payment options.

Choose if

You want to offer customers diverse and flexible payment methods to boost sales.
Your team includes eCommerce managers or finance professionals managing payment solutions.
You operate a small or large business with online sales channels requiring configurable plugins.

Consider alternatives if

Your business lacks an online sales channel or eCommerce presence.
You require transparent, fixed pricing and simple, out-of-the-box payment integrations.

Pin Payments

Best for small businesses needing secure, flexible, and scalable payment processing.

Choose if

You run a small e-commerce or subscription-based business seeking PCI-compliant payments.
You require a web-based, easy-to-install system with white-label and API integration options.
You have technical resources to manage flexible configurations and want scalable payment solutions.

Consider alternatives if

You need transparent, fixed pricing for straightforward budgeting.
You are a large enterprise needing extensive customization and dedicated support.

Four: Best for eCommerce retailers needing flexible buy-now-pay-later payment options. Pin Payments: Best for small businesses needing secure, flexible, and scalable payment processing.

Description	Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that ... Read More about Four	Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible ... Read More about Pin Payments
Free Trial Availability	No free trial	No free trial
User Ratings Based on verified Spotsaas reviews	4.6 (5)	4.65 (31)
Best Company Size	Small BusinessLarge Enterprises	1-50 employees51-200 employees
	Get pricing help	Get pricing help

Software Demo

Demo	Four has not given any software demo yet If you're the owner of this profile, add your demo.Contact us

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How do Four and Pin Payments Compare on Features?

Total Features	6 Features	8 Features
Unique Features	No unique features	No unique features
	Get Quote	Get Quote

Compare Four and Pin Payments on pricing

Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.

Pricing Option
Pricing Plans	Not Available	Not Available
Pricing Page	Pricing information not available
	View detailed pricing	View detailed pricing

Four vs Pin Payments: Other Details

Organization Types supported	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business
Platforms Supported	Browser Based (Cloud) Mobile - Android Mobile - iOS Installed - Windows Installed - Mac Browser Based (Cloud)	Browser Based (Cloud) Mobile - Android Mobile - iOS Installed - Windows Installed - Mac Browser Based (Cloud)
Modes of support	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online
API Support	Not Available	Available
	Get help choosing	Get help choosing

Four vs Pin Payments Security & Compliance

Certifications, data handling, and security controls for IT and compliance evaluators.

HIPAA	✗ No	✗ No
GDPR	—	✓ Yes
Data Encryption	—	✓ Yes
Data Residency	🇺🇸 US	🇺🇸 US

Four User Reviews & Rating Comparison

User Ratings	4.6 (based on 5 reviews)	4.65 (based on 31 reviews)
Rating Distribution	5 0 1 0 1	47 3 0 0 3
Spotsaas Editor’s POV generated by AI	Buyer sentiment Overall buyer sentiment is very positive, highlighting convenience and payment flexibility. What buyers like Payment flexibility Customer convenience Integration with eCommerce platforms Common complaints Pricing transparency Complexity of setup	Buyer sentiment Users generally appreciate the platform's security, flexibility, and ease of installation, though pricing opacity and limited support details are noted concerns. What buyers like Security and PCI compliance Flexibility and scalability Ease of installation Common complaints Pricing transparency Limited support information
Pros and Cons	Offers diverse payment options to customers Enhances customer shopping convenience High user rating (4.7) with substantial reviews (2513) Pricing is quotation based and not publicly available Lack of detailed use case and benefit information	Strong PCI compliance ensuring high security Flexible platform with API and white-label options Web-based system that is easy to install and scalable Pricing is quotation-based and not publicly disclosed Limited information on customer support and onboarding
Positive Reviews	No reviews available for the product	No reviews available for the product
Negative Reviews	No reviews available for the product	No reviews available for the product
	Read reviews	Read reviews

Four and Pin Payments Customers

Customers	No Customers information available.	Wilson Frenchy PetRescue MeMeMe

Media and Screenshots

Screenshots	No screenshots available.	2 Screenshots
Videos	No videos available.	2 Videos

Top Alternatives to Four and Pin Payments in 2026

Alternatives	MagicPay 5 Payfirma 4.75 DusuPay 2.48	Limonetik 1 Merchant One 4.77 MagicPay 5

Frequently asked questions

Which is better, Four or Pin Payments?: Pin Payments edges out the other on user ratings (4.7 vs 4.6). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
Do Four and Pin Payments offer a free trial?: Neither Four nor Pin Payments currently lists a free trial.
What is the starting price of Four vs Pin Payments?: Four starts at Contact for pricing. Pin Payments starts at Contact for pricing.
What are the top alternatives to Four?: Top alternatives to Four include MagicPay, Payfirma, DusuPay, Credit Key, Blackthorn Payments.
What are the top alternatives to Pin Payments?: Top alternatives to Pin Payments include Limonetik, Merchant One, MagicPay, Omise, Przelewy24.

Four vs Pin Payments Comparison

Four

Pin Payments

Four vs Pin Payments — at a glance

Key differences between Four and Pin Payments

Four vs Pin Payments — find the better fit before you commit.

Four

Pin Payments

Download this Four vs Pin Payments comparison

Four vs Pin Payments: Biggest differences

Description

Free Trial Availability

User Ratings

Best Company Size

Software Demo

Demo

Get decision help from a software advisor

How big is your team?

How do Four and Pin Payments Compare on Features?

Compare Four and Pin Payments on pricing

Four vs Pin Payments: Other Details

Organization Types supported

Platforms Supported

Modes of support

API Support

Four vs Pin Payments Security & Compliance

Four User Reviews & Rating Comparison

Four and Pin Payments Customers

Customers

Media and Screenshots

Screenshots

Videos

Top Alternatives to Four and Pin Payments in 2026

Related Blogs and Articles for Payment Processing Software

Frequently asked questions