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

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

The top free Clearent alternatives, at a glance

Quick answer

Want the short version? The top Clearent alternatives are Afterpay, PayAnywhere and PayPal Here. Afterpay leads the list with a 4.72★ rating from real users. Compare all 10 on rating and pricing below.

Ready to move on from Clearent? These 10 payment processing software free alternatives are the picks worth testing first. Our ranking leans on SpotScore, which weighs verified satisfaction against market presence, then star ratings and pricing model. Editors check each tool. Start with the table for a fast read, then go section by section below.

ProductSpotScoreRatingPricingBest for
AfterpaySplit your payments, expand your possibilities.—★★★★★ 4.72(34)Quotation Basedteams of all sizes
PayAnywhereSecure payments made easy on the go!—★★★★★ 4.67(3)Quotation Basedteams of all sizes
PayPal HereEmpowering businesses with secure mobile payments.—★★★☆☆ 2.67(112)Quotation Basedteams of all sizes
Merchant OneEfficient, secure payment processing for any business.—★★★★★ 4.77(1505)Quotation Basedteams of all sizes
LaybuyShop now, pay later with ease.—★★★★☆ 4.25(10)Quotation Basedteams of all sizes
Square PaymentsSimple and secure payments on-the-go.—★★★★★ 4.63(148)Quotation Basedteams of all sizes
Gravity PaymentsEffortless payments, elevated business.—★★★★★ 5(1)Quotation Basedsmall & mid-size businesses
ChargezoomEffortless payment processing for your business.—★★★★★ 5(1)Freefrom $20/moteams of all sizes
QuickBooks PaymentsGet paid faster with QuickBooks Payments.—★★★★☆ 4.41(18)from $12.50/moteams of all sizes
AffirmEmpowering financial freedom for all.—★★★★☆ 4.37(44)Quotation Basedteams of all sizes
Afterpay - Buy Now Pay Later Platforms

Afterpay

Split your payments, expand your possibilities.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.7

34 verified reviews

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What is Afterpay?

Afterpay enables customers to acquire what they need and want, while simultaneously building strong financial wellbeing and managing their expenses, by splitting the payments up over four installments, for online and in-store purchases. This innovative solution is dedicated to granting our ...

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Afterpay offers custom pricing plan

PayAnywhere - Payment Processing Software

PayAnywhere

Secure payments made easy on the go!

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.7

3 verified reviews

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What is PayAnywhere?

PayAnywhere is payment processing software that enables you to accept secure payments anywhere on the web.. It offers the ability to take payments for goods and services through your mobile device or tablet, where you are. Businesses of any size can take advantage of PayAnywhere to process ...

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PayAnywhere offers custom pricing plan

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PayPal Here - Payment Processing Software

PayPal Here

Empowering businesses with secure mobile payments.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

2.7

112 verified reviews

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What is PayPal Here?

PayPal makes online shopping (and in-store shopping) easy, safe and more secure wherever you want to accept payments. It is one of the most innovative mobile point-of-sale (mPOS) solutions available today.It is Designed to make business on the go easier than ever, PayPal Here is a credit card ...

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PayPal Here offers custom pricing plan

Merchant One - Payment Processing Software

Merchant One

Efficient, secure payment processing for any business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.8

1505 verified reviews

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What is Merchant One?

Merchant One Payment Processing Software is the easiest cloud-based solution on the market today. Merchant One fuses together the ease of a POS system with powerful processing and shopping cart functionality. It is one payment processing software allows you to quickly and easily setup and ...

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Merchant One offers custom pricing plan

Laybuy - Buy Now Pay Later Platforms

Laybuy

Shop now, pay later with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.3

10 verified reviews

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What is Laybuy?

Laybuy lets you get the purchases you want now and pay in six instalments with no interest! No more waiting - this stress-free payment plan is a great option for those that want to shop and pay later. Unlike buy now, pay later services, you'll get full protection from consumer laws with Laybuy, ...

Read more about Laybuy

Laybuy offers custom pricing plan

Square Payments - Payment Processing Software

Square Payments

Simple and secure payments on-the-go.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.6

148 verified reviews

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What is Square Payments?

Square Payments is a mobile and in-person payment processing solution used by small business owners — independent retailers, food vendors, and service providers — to accept card payments via smartphone or tablet without dedicated point-of-sale hardware. It combines a free card reader, simple ...

Read more about Square Payments

Square Payments offers custom pricing plan

Gravity Payments - Payment Processing Software

Gravity Payments

Effortless payments, elevated business.

Best for: SMB teams · Mid-market

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5.0

1 verified reviews

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What is Gravity Payments?

Gravity Payments is a payment processing platform that handles credit and debit card transactions across mobile, e-commerce, and point-of-sale channels. It includes real-time receivable management and a support team that helps configure payment workflows for each business type.

Read more about Gravity Payments

Gravity Payments offers custom pricing plan

Chargezoom - Payment Processing Software

Chargezoom

Effortless payment processing for your business.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

5.0

1 verified reviews

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What is Chargezoom?

ChargeZoom is a payment processing solution that makes accepting credit card payments easy. Our advanced online software and mobile app allow our clients to process payments from their own websites and mobile apps, using highly secure methods of encryption and proprietary processes. ChargeZoom ...

Read more about Chargezoom
QuickBooks Payments - Payment Processing Software

QuickBooks Payments

Get paid faster with QuickBooks Payments.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.4

18 verified reviews

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What is QuickBooks Payments?

QuickBooks Payments is a payment processing service that makes it easier for your customers to pay you. It's all online, 24/7, so you can immediately start receiving funds from your customers. There's an option to choose multiple payment solutions including credit card, debit card, electronic ...

Read more about QuickBooks Payments
Affirm - Buy Now Pay Later Platforms

Affirm

Empowering financial freedom for all.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.4

44 verified reviews

Add to compare

What is Affirm?

Affirm is a revolutionary financial service employing advanced technology to create disruption in the industry. We put customers first by offering financing solutions that are simple, straightforward and free of hidden charges. Our Affirm for Merchants program arms business owners with the ...

Read more about Affirm

Affirm offers custom pricing plan

Clearent vs its closest competitors

There are 10 direct Clearent competitors in Payment Processing Software. The ones that come up most often are Afterpay, PayAnywhere and PayPal Here. Each is compared against Clearent on rating, pricing and feature coverage below.

Sites and apps like Clearent

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

What earned each Clearent alternative its spot

AfterpayBest for teams of all sizes

Convenient payment plans allowing users to spread out payments and manage finances effectively.

Watch for: Limited availability on websites and lack of extended payment plans restrict usage.

PayAnywhereBest for teams of all sizes

Mobile payment capabilities

Watch for: Limited international support

PayPal HereBest for teams of all sizes

Mobile point-of-sale functionality

Watch for: Limited advanced features

Merchant OneBest for teams of all sizes

Easy cloud-based setup

Watch for: Limited advanced reporting tools

LaybuyBest for teams of all sizes

Easy to navigate and user-friendly interface.

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

Square PaymentsBest for teams of all sizes

Easy to use on mobile devices

Watch for: Limited features compared to competitors

Gravity PaymentsBest for small & mid-size businesses

Hassle-free card processing

Watch for: May have higher fees

ChargezoomBest for teams of all sizes

Easy credit card acceptance

Watch for: Limited international support

QuickBooks PaymentsBest for teams of all sizes

Seamless integration with QuickBooks invoicing makes accepting and tracking payments fast and easy.

Watch for: Processing fees can be high, so reviewers advise checking the costs carefully.

AffirmBest for teams of all sizes

Provides payment solutions via instalments.

Watch for: Poor online ratings and limited revenue generation for some.

Why teams look for a Clearent alternative

Here's what tends to push teams toward a Clearent alternative:

  • Limited advanced features
  • Fees can add up
  • Customer support may be slow
  • Not suitable for large enterprises

Key things to look for in a Clearent alternative

By the numbers, these 10 payment processing software free alternatives shake out as follows: 1 offers a free tier; paid plans run $12.5–$20, with QuickBooks Payments the cheapest entry point; and Gravity Payments is the highest rated at 5★ across 1 reviews.

How we rank, in short.

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 Clearent are Gravity Payments (5.0★), Chargezoom (5.0★), Merchant One (4.8★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Clearent, prioritize: Payment Processing, Payments, Credit Card Processing, Online Payments, eCommerce, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Migration difficulty depends on how deeply Clearent 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.

How to narrow down your Clearent alternative

  • On a budget / just exploring: start with a free tier — Chargezoom let you evaluate without paying upfront.
  • If real-user ratings matter most: Gravity Payments has the strongest star rating (5★) among the options with verified reviews.

Before you switch from Clearent

To replace Clearent smoothly, treat data first. Export it, confirm the new tool can import it, and check feature parity for the work you actually do. Pilot on a free tier before rolling out, and keep Clearent running until everything has moved over cleanly.

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