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

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

Compare the top 10 free Deluxe eChecks alternatives

Quick answer

The top-rated free payment gateway software alternatives to Deluxe eChecks are Razorpay, Citrus and MoonClerk. Razorpay leads with a SpotScore of 9.1 and a 4.75★ rating. Compare all 10 on score, rating, and pricing below.

A tool that fits one team can frustrate another, so if Deluxe eChecks is frustrating yours, these 10 payment gateway software free alternatives are worth a look. We rank them by SpotScore, which combines verified user satisfaction with market presence, then ratings and pricing. The table gives a quick side-by-side; the sections below explain each pick.

ProductSpotScoreRatingPricingBest for
RazorpayStreamline your payments with ease.9.1★★★★★ 4.75(34)Quotation Basedteams of all sizes
CitrusStreamline your payments with ease and security.8.6★★★★☆ 4.17(3)Quotation Basedteams of all sizes
MoonClerkStreamline your online payments with ease.8.6★★★★☆ 3.62(17)from $15/moteams 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
TranzzoStreamline online payments with Tranzzo.8.6★★★★☆ 4.36(12)Quotation Basedteams of all sizes
MollieAccept payments effortlessly, meet your customers' needs.8.6★★★★☆ 4.02(1049)Quotation Basedteams of all sizes
Pine LabsBoost revenue and streamline operations with Pine Labs.8.5★★★★☆ 4.25(2)Quotation Basedteams of all sizes
EBSEmpowering banks with secure online transactions.8.5★★★★☆ 4Quotation Basedteams of all sizes
Compass Payments SuiteSimplify online payments for small businesses.7.9★★★★☆ 4(1)Quotation Basedteams of all sizes

9.1

SpotScore

Razorpay - Payment Gateway Software

Razorpay

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Razorpay?

Razorpay's payment gateway software helps online businesses to accept payments from customers using their desktop and mobile devices. This online payment gateway helps you integrate seamlessly with the leading payment gateways in India, and global financial networks like Visa and Mastercard. ...

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Razorpay offers custom pricing plan

8.6

SpotScore

Citrus - Payment Gateway Software

Citrus

Streamline your payments with ease and security.

Best for: SMB teams · Mid-market · Enterprise

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What is Citrus?

Citrus is a payment gateway for small to medium-sized businesses that need to accept card payments, bank transfers, and mobile payments without depending on an external payment provider. Its in-house processing model gives merchants direct control over payment data and transaction flows within ...

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Citrus offers custom pricing plan

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Reach in-market buyersRank above rivals2M+ buyers a year

8.6

SpotScore

MoonClerk - Payment Gateway Software

MoonClerk

Streamline your online payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is MoonClerk?

The MoonClerk payment gateway software is an e-commerce website plug-in that allows you to accept credit card and debit card payments from customers online. It's powered by our highly secure and scalable cloud computing infrastructure. Plug in and start processing credit card, debit card & ACH ...

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MoonClerk offers custom pricing plan

8.6

SpotScore

Trustly - Payment Gateway Software

Trustly

Effortless online payments made secure.

Best for: SMB teams · Mid-market · Enterprise

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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: - ...

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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

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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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8.6

SpotScore

Tranzzo - Payment Gateway Software

Tranzzo

Streamline online payments with Tranzzo.

Best for: SMB teams · Mid-market · Enterprise

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What is Tranzzo?

Tranzzo payment gateway software is ideal for any business that processes online payments including e-commerce, retail, utilities or service providers. Tranzzo allows your business to accept customer payments from more sources including PayPal, authorize, credit cards and gift/debit cards ...

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Tranzzo offers custom pricing plan

8.6

SpotScore

Mollie - Payment Gateway Software

Mollie

Accept payments effortlessly, meet your customers' needs.

Best for: SMB teams · Mid-market · Enterprise

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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

Pine Labs - Payment Gateway Software

Pine Labs

Boost revenue and streamline operations with Pine Labs.

Best for: SMB teams · Mid-market · Enterprise

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What is Pine Labs?

Pine Labs offers a comprehensive suite of solutions for businesses, empowering them to boost revenue and streamline their operations. Our merchant platform merges cutting-edge technology and financial services, creating opportunities for growth and minimizing risks. Through collaborations with ...

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Pine Labs offers custom pricing plan

8.5

SpotScore

EBS - Payment Gateway Software

EBS

Empowering banks with secure online transactions.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.0

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What is EBS?

EBS is a payment gateway designed, developed and supported by PayU, a globally trusted payments company. EBS provides banks with a complete solution for online transactions processing in emerging markets. It is the finest web-based end-to-end payment processing solution for banks that serve ...

Read more about EBS

EBS offers custom pricing plan

7.9

SpotScore

Compass Payments Suite - Payment Gateway Software

Compass Payments Suite

Simplify online payments for small businesses.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

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 Suite

Compass Payments Suite offers custom pricing plan

Deluxe eChecks vs its closest competitors

There are 10 direct Deluxe eChecks competitors in Payment Gateway Software. The ones that come up most often are Razorpay, Citrus and MoonClerk. Each is compared against Deluxe eChecks on rating, pricing and feature coverage below.

Sites and apps like Deluxe eChecks

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

What makes each one stand out

Razorpay9.1Best for teams of all sizes

Streamlined payment processing experience with real-time insights and data through an intuitive dashboard.

Watch for: Challenges with customer support response times, leading to delays in issue resolution and potential dissatisfaction.

Citrus8.6Best for teams of all sizes

Flexible payment options

Watch for: Limited advanced features

MoonClerk8.6Best for teams of all sizes

Integration with payment processors like Stripe for convenient transactions.

Watch for: Lack of advanced customization options for checkout pages may limit flexibility.

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

Tranzzo8.6Best for teams of all sizes

Integration capabilities with excellent support.

Watch for: Some users faced challenges with application processing and responsiveness from support.

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.

Pine Labs8.5Best for teams of all sizes

Comprehensive suite of solutions

Watch for: Complex setup process

EBS8.5Best for teams of all sizes

End-to-end solution

Watch for: Complex integration

Compass Payments Suite7.9Best for teams of all sizes

Tailored for small businesses

Watch for: Limited features for larger businesses

Why teams look for a Deluxe eChecks alternative

The push to replace Deluxe eChecks tends to come down to a few recurring frustrations:

  • Limited to eCheck payments
  • May not suit all business types
  • Integration can be complex

What to check before picking a Deluxe eChecks alternative

Comparing the 10 free alternatives on the figures that matter: 1 offers a free tier; paid plans run $10–$15, with Cheddar Up the cheapest entry point; and Razorpay is the highest rated at 4.75★ across 34 reviews.

Our ranking logic.

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 Deluxe eChecks are Razorpay (4.8★), Trustly (4.5★), Cheddar Up (4.4★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Deluxe eChecks, prioritize: Recurring Billing, Website Payments, Saved Cards, Mobile Payments, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Deluxe eChecks starts from $30. 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 Deluxe eChecks 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 of these Deluxe eChecks alternatives should you choose?

  • On a budget / just exploring: start with a free tier — Cheddar Up let you evaluate without paying upfront.
  • If real-user ratings matter most: Razorpay has the strongest star rating (4.75★) among the options with verified reviews.
  • Want the safest pick: Razorpay has the highest Spotsaas Score (9.1) in this list — a strong default if you're unsure.

Switching off Deluxe eChecks cleanly

When you're ready to leave Deluxe eChecks, protect your data first. Export it, confirm the new tool reads it, and check that your core workflows transfer. Test on a free plan or trial before committing, and hold onto Deluxe eChecks until the move is complete.

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