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10 BizPayO Alternatives Ranked by Real Users — Free Picks Included (2026)

Explore 10 alternatives to BizPayO — vetted by our editors with real user reviews, pricing, and feature comparisons.

A quick look at the 10 best free BizPayO alternatives

Quick answer

The best BizPayO alternatives to try first are Authorize.Net, Paytm Payment Gateway and Tap2Pay. Authorize.Net earns the highest SpotScore (9.3) and a 4.13★ rating. Compare all 10 on score, rating, and pricing below.

The best BizPayO replacement depends on your team, but this ranking narrows it down fast. These 10 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
Authorize.NetSecure payment solutions for your business.9.3★★★★☆ 4.13(319)from $25/moteams of all sizes
Paytm Payment GatewaySeamless integration, customizable alerts, effortless payments.8.9★★★★★ 4.89(132)Quotation Basedteams of all sizes
Tap2PayStreamline online payments with secure convenience.8.8★★★★☆ 3.82(11)from $49/moteams of all sizes
Cashfree PaymentsSimple. Secure. Swift. Your ultimate financial solution.8.6★★★★★ 4.5(4)Quotation Basedteams of all sizes
TrustlyEffortless online payments made secure.8.6★★★★★ 4.5(1)Quotation Basedteams of all sizes
Cheddar UpStreamline payments and boost sales with ease.8.6★★★★☆ 4.4Freefrom $10/moteams of all sizes
MollieAccept payments effortlessly, meet your customers' needs.8.6★★★★☆ 4.02(1049)Quotation Basedteams of all sizes
PaySpaceStreamline payments for successful business growth.8.5★★★★☆ 4.06(35)Quotation Basedteams of all sizes
MultiSafepaySecure payments made easy for online merchants.8.5★★★★☆ 4.23(243)Quotation Basedteams of all sizes
Ingenico ePaymentsEffortless payment solutions for your online business.8.4★★★★☆ 3.63(4)Quotation Basedteams of all sizes

9.3

SpotScore

Authorize.Net - Payment Gateway Software

Authorize.Net

Secure payment solutions for your business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.1

319 verified reviews

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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.Net

Authorize.Net offers custom pricing plan

8.9

SpotScore

Paytm Payment Gateway - Payment Gateway Software

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.9

132 verified reviews

Add to compare

What is Paytm Payment Gateway?

The Paytm gateway software offers you all the benefits a payment gateway should offer – and more. It comes with a seamless integration with Paytm Wallet, configurable SMS alerts, transaction confirmation email for buyers and retailers, verification of users before proceeding further with their ...

Read more about Paytm Payment Gateway

Paytm Payment Gateway offers custom pricing plan

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8.8

SpotScore

Tap2Pay - Payment Gateway Software

Tap2Pay

Streamline online payments with secure convenience.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

3.8

11 verified reviews

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What is Tap2Pay?

Tap2Pay is open source payment gateway software for online businesses. It enables any web merchant to accept payments from credit cards, e-wallets, and other payment instruments. It provides a smooth checkout experience for end users by redirecting them to a mobile app or the merchant website ...

Read more about Tap2Pay

Tap2Pay offers custom pricing plan

8.6

SpotScore

Cashfree Payments - Payment Gateway Software

Cashfree Payments

Simple. Secure. Swift. Your ultimate financial solution.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

4 verified reviews

Add to compare

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 Payments

Cashfree Payments offers custom pricing plan

8.6

SpotScore

Trustly - Payment Gateway Software

Trustly

Effortless online payments made secure.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

1 verified reviews

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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 Trustly

Trustly offers custom pricing plan

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

Add to compare

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 Up

8.6

SpotScore

Mollie - Payment Gateway Software

Mollie

Accept payments effortlessly, meet your customers' needs.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.0

1049 verified reviews

Add to compare

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 Mollie

Mollie offers custom pricing plan

8.5

SpotScore

PaySpace - Payment Gateway Software

PaySpace

Streamline payments for successful business growth.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.1

35 verified reviews

Add to compare

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 PaySpace

PaySpace offers custom pricing plan

8.5

SpotScore

MultiSafepay - Payment Gateway Software

MultiSafepay

Secure payments made easy for online merchants.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.2

243 verified reviews

Add to compare

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 MultiSafepay

MultiSafepay offers custom pricing plan

8.4

SpotScore

Ingenico ePayments - Payment Gateway Software

Ingenico ePayments

Effortless payment solutions for your online business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

3.6

4 verified reviews

Add to compare

What is Ingenico ePayments?

Ingenico ePayments is a payment gateway for small to mid-size online retailers that need to accept card payments, direct debit, and mobile transactions on their storefront without extensive custom development. It includes shopping cart integrations and a mobile payment module to cover standard ...

Read more about Ingenico ePayments

Ingenico ePayments offers custom pricing plan

The main BizPayO competitors

There are 10 direct BizPayO competitors in Payment Gateway Software. The ones that come up most often are Authorize.Net, Paytm Payment Gateway and Tap2Pay. Each is compared against BizPayO on rating, pricing and feature coverage below.

What else works like BizPayO?

Searches for "sites like BizPayO" and "apps like BizPayO" land on the same shortlist as "BizPayO alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.

The case for each pick

Authorize.Net9.3Best for teams of all sizes

Easy to navigate and integrates with other software.

Watch for: Limited options in the Marketplace for additional apps and connectors.

Paytm Payment Gateway8.9Best for teams of all sizes

Convenient and fast way to convert and transfer Paytm gift wallet balance into bank accounts.

Watch for: Some delays in transaction processing and occasional complexity in payment settlements.

Tap2Pay8.8Best for teams of all sizes

Fast and secure payments system, allowing sales across multiple channels with ease.

Watch for: Some users report issues with customer support and unresponsiveness.

Cashfree Payments8.6Best for teams of all sizes

Seamless payment integration

Watch for: Limited to Indian businesses

Trustly8.6Best for teams of all sizes

Encrypted payment processing

Watch for: Limited to online payments

Cheddar Up8.6Best for teams of all sizes

No chargebacks or monthly fees

Watch for: Limited customer support options

Mollie8.6Best for teams of all sizes

Quick and professional responses from customer support.

Watch for: Some users encountered difficulties in contacting the company, leading to delays in issue resolution.

PaySpace8.5Best for teams of all sizes

Reliable and stable service for receiving payments, with competent and polite customer support.

Watch for: Integration time can be lengthy, requiring improvement for faster onboarding.

MultiSafepay8.5Best for teams of all sizes

Quick and responsive customer support, ensuring prompt assistance and issue resolution, enhancing user experience.

Watch for: Complicated and time-consuming account activation process, with excessive and invasive requests for documentation, causing delays and frustrations.

Ingenico ePayments8.4Best for teams of all sizes

Easy integration with e-commerce platforms

Watch for: Limited customization options

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 10 payment gateway software free alternatives compare, plainly: 1 offers a free tier; paid plans run $10–$49, with Cheddar Up the cheapest entry point; and Paytm Payment Gateway is the highest rated at 4.89★ across 132 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 Paytm Payment Gateway (4.9★), Cashfree Payments (4.5★), Trustly (4.5★). Compare all 10 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 narrowing to 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 — Cheddar Up let you evaluate without paying upfront.
  • If real-user ratings matter most: Paytm Payment Gateway has the strongest star rating (4.89★) among the options with verified reviews.
  • Want the safest pick: Authorize.Net has the highest Spotsaas Score (9.3) 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].