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4 Free BizPayO Alternatives Ranked by Real Users (2026)

Explore 4 alternatives to BizPayO — vetted by our editors with real user reviews, pricing, and feature comparisons.

A quick look at the 4 best free BizPayO alternatives

Quick answer

The best BizPayO alternatives to try first are ChargeKeep, PayorCRM and Cheddar Up. ChargeKeep earns the highest SpotScore (8.1). Compare all 4 on score, rating, and pricing below.

The best BizPayO replacement depends on your team, but this shortlist narrows it down fast. These 4 payment gateway software free alternatives lead on SpotScore, a measure of verified satisfaction and market presence, plus star ratings and pricing. Editors vet each entry. Start with the comparison table, then read each section below.

ProductSpotScoreRatingPricingBest for
ChargeKeepStreamline your recurring payments with ease.8.1Not yet ratedFreefrom $16/mosmall & mid-size businesses
PayorCRMStreamlining customer relations and invoicing for your business.7.9Not yet ratedFreeFree Trial · Subscriptionteams of all sizes
Cheddar UpStreamline payments and boost sales with ease.8.6★★★★☆ 4.4FreeFreemium · Subscriptionteams of all sizes
InstamojoSecure and seamless online payments made easy.8.6★★★☆☆ 2.6(14)FreeFreemium · Subscription · Quotation Basedteams of all sizes

8.1

SpotScore

ChargeKeep - Payment Gateway Software

ChargeKeep

Streamline your recurring payments with ease.

Best for: SMB teams · Mid-market

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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 ...

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Free Trial

7.9

SpotScore

PayorCRM

PayorCRM

Streamlining customer relations and invoicing for your business.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

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What is PayorCRM?

Payor CRM is a state of the art software that helps you in managing your customer relations, billing and invoicing with ease. The app is very simple to use and can be easily accessed through your smartphone and computer. The Invoice management feature of the software has features like emailing ...

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8.6

SpotScore

Cheddar Up - Payment Gateway Software

Cheddar Up

Streamline payments and boost sales with ease.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

4.4

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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 ...

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Starts from $10/Month, also offers free forever plan

8.6

SpotScore

Instamojo - Payment Gateway Software

Instamojo

Secure and seamless online payments made easy.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

2.6

14 verified reviews

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What is Instamojo?

Instamojo is a payment gateway for Indian small businesses and solopreneurs that need to accept credit cards, debit cards, and UPI payments online with minimal setup. The platform charges 2% plus Rs 3 per transaction, but prospective users should evaluate its customer support track record — ...

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Instamojo offers custom pricing plan

The case for each pick

ChargeKeep8.1Best for small & mid-size businesses

User-friendly interface

Watch for: Limited payment options

PayorCRM7.9Best for teams of all sizes

Comprehensive CRM features

Watch for: Steeper learning curve

Cheddar Up8.6Best for teams of all sizes

No chargebacks or monthly fees

Watch for: Limited customer support options

Instamojo8.6Best for teams of all sizes

Quick response time from the team, enabling fast payment collections and payouts within 72 hours.

Watch for: Unresponsive customer support team with lengthy wait times and lack of proper assistance.

Why teams look for a BizPayO alternative

The reasons to look beyond BizPayO are usually practical ones like these:

  • Limited international support
  • Fees may vary
  • Requires technical setup

What to prioritize in a BizPayO alternative

How the 4 payment gateway software free alternatives compare, plainly: 4 offer a free tier; paid plans run $16, with ChargeKeep the cheapest entry point; and Instamojo is the highest rated at 2.6★ across 14 reviews.

Our scoring approach.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to BizPayO are Cheddar Up (4.4★), Instamojo (2.6★), ChargeKeep. Compare all 4 alternatives side-by-side above.

When evaluating alternatives to BizPayO, prioritize: Invoice Payment, Multiple Currency Processing, Recurring Billing, Website Payments, Saved Cards, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

BizPayO starts from $19 /Month. Many alternatives offer similar functionality at different price points — some with free tiers, others with more flexible per-seat pricing. Use the filters above to narrow by budget.

Migration difficulty depends on how deeply BizPayO is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend shortlisting 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which BizPayO alternative makes sense for you?

  • On a budget / just exploring: start with a free tier — ChargeKeep, PayorCRM and Cheddar Up let you evaluate without paying upfront.
  • If real-user ratings matter most: Instamojo has the strongest star rating (2.6★) among the options with verified reviews.
  • Want the safest pick: ChargeKeep has the highest Spotsaas Score (8.1) in this list — a strong default if you're unsure.

What switching from BizPayO takes

Moving away from BizPayO is lower-risk with a phased approach. Export your data, test that the new tool imports it, and verify your key workflows. Run a small pilot before the full switch, and don't drop BizPayO until the migration's complete. Free trials above help you test first.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].