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Best Four Alternatives for Android — 12 Compared in 2026

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

The top Four alternatives, at a glance

Quick answer

Want the short version? The top Four alternatives are Payfirma, Blackthorn Payments and Afterpay. Payfirma leads the list with a 4.75★ rating from real users. Compare all 12 on rating and pricing below.

Comparing Four alternatives doesn't have to be guesswork. These 12 payment processing software options are ranked by SpotScore, which blends verified satisfaction with market presence, alongside ratings and pricing. Each tool clears editorial review. Use the table for a fast comparison, then read the full breakdown below.

ProductSpotScoreRatingPricingBest for
PayfirmaSecure, Seamless Payments for Every Business.—★★★★★ 4.75(2)Quotation Basedteams of all sizes
Blackthorn PaymentsStreamline your payments with ease.—★★★★★ 4.78(87)from $575/moteams of all sizes
AfterpaySplit your payments, expand your possibilities.—★★★★★ 4.72(34)Quotation Basedteams of all sizes
OmiseAccelerate your online payments with Omise.—★★★★★ 5(1)Quotation Basedteams of all sizes
FlatpaySimple card payments at one flat rate—Not yet ratedCustomsmall & mid-size businesses
NickelCash in. Cash out. Cash flows on your terms.—Not yet ratedFreeFree · Subscriptionsmall & mid-size businesses
PayTabsPayment infrastructure for rising MENA markets—Not yet ratedteams of all sizes
PagBankBrazilian payment solutions and digital banking—Not yet ratedsmall & mid-size businesses
Mercado PagoLATAM's leading digital payment platform—Not yet ratedteams of all sizes
TelrUAE-based payment gateway with MENA focus—Not yet ratedteams of all sizes
AppmaxSecure and Intelligent Payment Processing for Digital Businesses—Not yet ratedSubscriptionteams of all sizes
MySchoolFeesSimplifying School Payments Online—Not yet ratedSubscriptionteams of all sizes
Payfirma - Payment Processing Software

Payfirma

Secure, Seamless Payments for Every Business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.8

2 verified reviews

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What is Payfirma?

Payfirma's payment processing software empowers businesses of all sizes to accept payments quickly, securely and cost-effectively from anyone, anywhere. Payfirma allows you to make your business available 24/7, from virtually anywhere in the world.It is a payment processing solutions provider, ...

Read more about Payfirma

Payfirma offers custom pricing plan

Blackthorn Payments - Payment Processing Software

Blackthorn Payments

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.8

87 verified reviews

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What is Blackthorn Payments?

Blackthorn Payments is a truly versatile, easy to use payment processing software with an intuitive interface that makes your life easier. Whether you are just starting out, or have been involved with the industry for a long time, Blackthorn has everything you need to make the process of ...

Read more about Blackthorn Payments

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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

Omise - Payment Processing Software

Omise

Accelerate your online payments with Omise.

Best for: SMB teams · Mid-market · Enterprise

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5.0

1 verified reviews

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What is Omise?

Omise is a payment gateway platform built for e-commerce businesses and payment service providers in Southeast Asia — primarily Thailand, Japan, and Singapore — that need scalable, PCI-compliant payment infrastructure. It handles card processing, real-time fraud detection, and multi-currency ...

Read more about Omise

Omise offers custom pricing plan

Flatpay

Flatpay

Simple card payments at one flat rate

Best for: SMB teams · Mid-market

Get Pricing Details

Add to compare

What is Flatpay?

Flatpay is a Danish fintech, founded in 2022 and headquartered in Herlev, that provides payment acceptance solutions for small and medium-sized businesses across Europe. Its product range includes a standalone card terminal, an integrated point-of-sale (POS) system, and online payments for ...

Read more about Flatpay
Nickel

Nickel

Cash in. Cash out. Cash flows on your terms.

Best for: SMB teams · Mid-market

Get Pricing Details

Add to compare

What is Nickel?

Nickel is a B2B payments and cash-flow platform built for America’s core businesses, including construction, manufacturing, wholesale and distribution, logistics and trucking, medical, and custom fabrication. It targets trade companies that send $5K to $50K invoices and want to collect payments ...

Read more about Nickel
PayTabs - Payment Processing Software

PayTabs

Payment infrastructure for rising MENA markets

Best for: SMB teams · Mid-market · Enterprise

See Plans & Pricing

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What is PayTabs?

PayTabs is the leading MENA region payment infrastructure company processing transactions across 168+ currencies with operations in Saudi Arabia, UAE, Egypt, and additional GCC countries. Founded in 2014 and headquartered in Riyadh, PayTabs enables banks, fintech platforms, enterprises, and ...

Read more about PayTabs

Starts from SAR 49/Month

PagBank - Payment Processing Software

PagBank

Brazilian payment solutions and digital banking

Best for: SMB teams · Mid-market

See Plans & Pricing

Add to compare

What is PagBank?

PagBank (formerly PagSeguro) is a comprehensive fintech platform serving Brazilian micro-entrepreneurs, small businesses, and retailers with integrated payment processing and digital banking services. The platform enables merchants to accept payments through multiple channels including physical ...

Read more about PagBank

Starts from Débito: 2.39% | Crédito 1x: 4.99% | Pix: 0%

Mercado Pago - Payment Processing Software

Mercado Pago

LATAM's leading digital payment platform

Best for: SMB teams · Mid-market · Enterprise

See Plans & Pricing

Add to compare

What is Mercado Pago?

Mercado Pago is Latin America's dominant payment platform processing transactions across 8 countries with over 10,000 employees. Part of the MercadoLibre ecosystem, it enables merchants to accept multiple payment methods including PIX, boleto, credit and debit cards, and digital wallets across ...

Read more about Mercado Pago

Starts from Débito: 1.99% | Crédito 1x: 4.98% | Pix: 0.49%

Telr - Payment Processing Software

Telr

UAE-based payment gateway with MENA focus

Best for: SMB teams · Mid-market · Enterprise

See Plans & Pricing

Add to compare

What is Telr?

Telr is a payment gateway provider headquartered in Dubai, UAE, founded in 2014, enabling businesses across the Middle East and North Africa to accept online payments. The platform supports 120+ currencies, 30+ languages, and multiple payment methods including Visa, Mastercard, Apple Pay, and ...

Read more about Telr

Starts from AED 349/Month

Appmax -Logo

Appmax

Secure and Intelligent Payment Processing for Digital Businesses

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

watch-demo

Watch Demo

What is Appmax?

Appmax is an all-in-one payment processing platform designed to help e-commerce businesses, SaaS companies, and digital product creators sell more efficiently and securely. Built for online merchants seeking reliability and growth, Appmax combines a high-approval gateway, acquiring services, ...

Read more about Appmax
MySchoolFees - Logo

MySchoolFees

Simplifying School Payments Online

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

watch-demo

Watch Demo

What is MySchoolFees?

MySchoolFees.com is a secure and user-friendly platform designed to help schools collect and manage payments online with ease. Built for school administrators, finance staff, and parent communities, it allows parents to pay fees anytime, anywhere—covering everything from registration and lunch ...

Read more about MySchoolFees

Four vs its closest competitors

Four competes with 12 other payment processing software tools tracked on Spotsaas. The closest by feature overlap are Payfirma, Blackthorn Payments and Afterpay. Each is compared against Four on rating, pricing and feature coverage below.

What else works like Four?

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

What earned each Four alternative its spot

PayfirmaBest for teams of all sizes

Global payment acceptance

Watch for: Complex pricing structure

Blackthorn PaymentsBest for teams of all sizes

Versatile payment processing

Watch for: Limited advanced features

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.

OmiseBest for teams of all sizes

High availability and scalability

Watch for: Complex setup process

FlatpayBest for small & mid-size businesses
NickelBest for small & mid-size businesses
PayTabsBest for teams of all sizes
PagBankBest for small & mid-size businesses
Mercado PagoBest for teams of all sizes
TelrBest for teams of all sizes
AppmaxBest for teams of all sizes

Appmax leverages artificial intelligence to identify and approve legitimate transactions while blocking fraudulent activities. This reduces chargebacks and improves customer trust, giving businesses peace of mind when processing payments.

Watch for: While powerful for e-commerce, SaaS, and infoproduct sellers, Appmax may lack specialized features for traditional brick-and-mortar businesses or service industries that need broader payment support.

MySchoolFeesBest for teams of all sizes

Parents can make payments anytime and from anywhere, reducing the need for in-person transactions and minimizing long lines during registration periods.

Watch for: The platform seems designed primarily for U.S.-based schools, which may limit its applicability for international educational institutions.

Why teams look for a Four alternative

There are a few common reasons buyers start shopping for a Four alternative:

  • Limited to online retailers
  • Fees may apply
  • Not suitable for all industries

Key things to look for in a Four alternative

Side by side, the 12 alternatives break down like this: 1 offers a free tier; paid plans run $575, with Blackthorn Payments the cheapest entry point; and Omise 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 Four are Omise (5.0★), Blackthorn Payments (4.8★), Payfirma (4.8★). Compare all 12 alternatives side-by-side above.

When evaluating alternatives to Four, prioritize: Payment Processing, Payments, Online Payments, eCommerce, Payment Gateway, 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 Four 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 Four alternative

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

Before you switch from Four

To replace Four 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 Four 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].