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DirecPay Alternatives: 12 Options Compared, Including Free (2026)

Explore 12 alternatives to DirecPay, vetted by our editors with real user reviews, pricing, and feature comparisons.

A quick look at the 12 best free DirecPay alternatives

Quick answer

The best DirecPay alternatives to try first are Razorpay, 2Checkout and Tranzzo. Razorpay earns the highest SpotScore (9.1) and a 4.75★ rating. Compare all 12 on score, rating, and pricing below.

When DirecPay stops earning its keep, you have options. These 12 payment gateway software free alternatives are the ones we'd recommend first, ranked by SpotScore (real-user satisfaction and market presence combined), star ratings, and how each one prices. Editors check every entry. Skim the table, then read on for the detail.

ProductSpotScoreRatingPricingBest for
RazorpayStreamline your payments with ease.9.1★★★★★ 4.75(34)Quotation Basedteams of all sizes
2CheckoutStreamline your payments with 2Checkout.9.1★★★★☆ 4.27(813)Subscription · Quotation Basedteams of all sizes
TranzzoStreamline online payments with Tranzzo.8.6★★★★☆ 4.36(12)Quotation Basedteams of all sizes
PaySimpleSeamless payments for your online business.8.6★★★★☆ 4.43(97)from $59.95/moteams of all sizes
PayKunEffortless payment solutions for your business.8.5★★★★★ 5(2)Quotation Basedteams of all sizes
SkrillSecure your payments with Skrill.8.5★★★★☆ 4.01(70)Quotation Basedsmall & mid-size businesses
Ingenico ePaymentsEffortless payment solutions for your online business.8.4★★★★☆ 3.63(4)Quotation Basedteams of all sizes
DwollaEffortless fund transfers for businesses.8.4★★★★★ 4.55(41)from $0.05teams of all sizes
ViewpostConnect and transact with ease.8.1★★★★★ 4.5from $14.99/moteams of all sizes
Zoho CheckoutStreamline payments, expand your business.8.1★★★★☆ 4.36(11)Freefrom $9/mosmall & mid-size businesses
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★☆☆☆☆ 1.43(14)FreeFreemium · Subscription · 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

9.1

SpotScore

2Checkout - Payment Gateway Software

2Checkout

Streamline your payments with 2Checkout.

Best for: SMB teams · Mid-market · Enterprise

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What is 2Checkout?

2Checkout (now operating as Verifone) is a global payment gateway for software vendors and subscription businesses that sell digitally across multiple countries and need to handle local payment methods, currencies, and tax compliance in international markets. Dedicated account managers are ...

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2Checkout offers custom pricing plan

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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

PaySimple - Payment Gateway Software

PaySimple

Seamless payments for your online business.

Best for: SMB teams · Mid-market · Enterprise

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What is PaySimple?

PaySimple is a digital payments platform for small and mid-sized service businesses that need to accept payments, automate recurring billing, and manage customer accounts in one system. It handles future payment scheduling and automated billing reminders, which reduces manual follow-up for ...

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PaySimple offers custom pricing plan

8.5

SpotScore

PayKun - Payment Gateway Software

PayKun

Effortless payment solutions for your business.

Best for: SMB teams · Mid-market · Enterprise

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What is PayKun?

PayKun is a payment gateway for Indian businesses with existing websites or shopping carts that need a stable, integrable payment module with features like IPN messaging and an API platform for connecting external applications. It has limited international currency support, making it best ...

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PayKun offers custom pricing plan

8.5

SpotScore

Skrill - Payment Gateway Software

Skrill

Secure your payments with Skrill.

Best for: SMB teams · Mid-market

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What is Skrill?

Skrill is a digital payment gateway used by individuals, freelancers, and small businesses that send and receive international transfers frequently across multiple currencies. It supports credit/debit cards, bank transfers, and peer-to-peer sends in a single account. Fee rates vary ...

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Skrill 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

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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 ...

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Ingenico ePayments offers custom pricing plan

8.4

SpotScore

Dwolla - Payment Gateway Software

Dwolla

Effortless fund transfers for businesses.

Best for: SMB teams · Mid-market · Enterprise

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What is Dwolla?

Dwolla is a financial technology company that is changing the way businesses send and receive funds. The company offers a seamless, white label API platform to connect to the ACH Network to initiate payments, Helps initiate the fast and efficient transfer of funds. Dwolla now facilitates the ...

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Dwolla offers custom pricing plan

8.1

SpotScore

Viewpost - Payment Gateway Software

Viewpost

Connect and transact with ease.

Best for: SMB teams · Mid-market · Enterprise

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4.5

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What is Viewpost?

Viewpost is a payment gateway for brick-and-mortar retailers in industries like travel, hospitality, lodging, and automotive that want to extend their physical retail operations into digital and electronic payment channels. It is built to bridge offline retail environments with online payment ...

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8.1

SpotScore

Zoho Checkout - Payment Gateway Software

Zoho Checkout

Streamline payments, expand your business.

Best for: SMB teams · Mid-market

Try for Free

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What is Zoho Checkout?

Zoho Checkout is a payment gateway for small and medium-sized online merchants that need to accept credit cards, debit cards, checks, and ACH payments through their websites. It integrates naturally within the Zoho product ecosystem, making it the logical choice for businesses already running ...

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Zoho Checkout 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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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

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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 — ...

Read more about Instamojo

Instamojo offers custom pricing plan

The main DirecPay competitors

Buyers comparing DirecPay usually weigh it against these 12 payment gateway software competitors, starting with Razorpay, 2Checkout and Tranzzo. Each is compared against DirecPay on rating, pricing and feature coverage below.

What else works like DirecPay?

Searches for "sites like DirecPay" and "apps like DirecPay" land on the same set of options as "DirecPay alternatives" — the 12 options below cover both, whether you want a like-for-like replacement or something lighter.

The case for each pick

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.

2Checkout9.1Best for teams of all sizes

Consistent and quick support responses, providing valuable assistance to users.

Watch for: User interface complexity may be overwhelming for some users without adequate guidance.

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.

PaySimple8.6Best for teams of all sizes

Streamlined payment processes, enabling easy management of business transactions and payment schedules.

Watch for: Limited customer support hours, causing inconvenience when needing assistance outside of available times.

PayKun8.5Best for teams of all sizes

Easy integration

Watch for: Limited international support

Skrill8.5Best for small & mid-size businesses

Fast and easy international money transfers with low transaction fees.

Watch for: Variability in supported banks for withdrawals, affecting accessibility.

Ingenico ePayments8.4Best for teams of all sizes

Easy integration with e-commerce platforms

Watch for: Limited customization options

Dwolla8.4Best for teams of all sizes

Low transaction costs

Watch for: Limited international support

Viewpost8.1Best for teams of all sizes

Bridges online and offline payments

Watch for: Limited international support

Zoho Checkout8.1Best for small & mid-size businesses

Supports multiple payment methods

Watch for: Limited customization options

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 DirecPay alternative

Most people weighing a DirecPay alternative are reacting to the same handful of pain points:

  • Limited payment method options
  • May require technical setup
  • Fees can add up
  • Not suitable for small businesses

What to prioritize in a DirecPay alternative

A quick data read across all 12 payment gateway software free alternatives: 3 offer a free tier; paid plans run $0.05–$59.95, with Dwolla the cheapest entry point; and PayKun is the highest rated at 5★ across 2 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 DirecPay are PayKun (5.0★), Razorpay (4.8★), Dwolla (4.5★). Compare all 12 alternatives side-by-side above.

When evaluating alternatives to DirecPay, prioritize: Multiple Currency Processing, 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.

Migration difficulty depends on how deeply DirecPay 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 DirecPay alternative makes sense for you?

  • On a budget / just exploring: start with a free tier — Zoho Checkout, Cheddar Up and Instamojo let you evaluate without paying upfront.
  • If real-user ratings matter most: PayKun has the strongest star rating (5★) 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.

What switching from DirecPay takes

Moving away from DirecPay 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 DirecPay 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].