NEWJoin 2M+ software buyers|Get Weekly Insights, Trends & Expert PicksSubscribe free →

Last updated:

10 Best Four Alternatives in 2026 — Free Options Included

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

The top free Four alternatives, at a glance

Quick answer

Want the short version? The top Four alternatives are MagicPay, Payfirma and DusuPay. MagicPay leads the list with a 5★ rating from real users. Compare all 10 on rating and pricing below.

Comparing Four free alternatives doesn't have to be guesswork. These 10 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
MagicPayUnlock the power of seamless payments and increase sales.★★★★★ 5(3)Quotation Basedsmall & mid-size businesses
PayfirmaSecure, Seamless Payments for Every Business.★★★★★ 4.75(2)Quotation Basedteams of all sizes
DusuPaySecure online payment processing for businesses worldwide.★★☆☆☆ 2.48(26)Quotation Basedteams of all sizes
Credit KeyAccelerate B2B payments with Credit Key.★★★★★ 4.63(65)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
Pin PaymentsStreamlining payments with top-notch security.★★★★★ 4.65(53)Quotation Basedsmall & mid-size businesses
WePayStreamline your payments with WePay.★★★★ 4.47(124)Subscriptionteams of all sizes
ChargezoomEffortless payment processing for your business.★★★★★ 5(1)Freefrom $20/moteams of all sizes
OmiseAccelerate your online payments with Omise.★★★★★ 5(1)Quotation Basedteams of all sizes
MagicPay - Payment Processing Software

MagicPay

Unlock the power of seamless payments and increase sales.

Best for: SMB teams · Mid-market

Get Pricing Details

Add to compare

What is MagicPay?

A complete online payment processing and marketing platform, MagicPay is everything you need to start and run a successful business immediately. Our secure, robust payment gateway technology enables merchants to set up online shop fronts and accept all major credit cards, cryptocurrencies and ...

Read more about MagicPay

MagicPay offers custom pricing plan

Payfirma - Payment Processing Software

Payfirma

Secure, Seamless Payments for Every Business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

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

Spotsaas Ads

Want your product up here? Put it in front of buyers the moment they're comparing your category.

Reach in-market buyersRank above rivals2M+ buyers a year
DusuPay - Payment Processing Software

DusuPay

Secure online payment processing for businesses worldwide.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is DusuPay?

Dusupay.com is a payment processing software system that lets users process credit card transactions. The system is easy to use, secure, transaction-based pricing and online entity establishment for merchants. It payment processing software also comes with card verification options which allow ...

Read more about DusuPay

DusuPay offers custom pricing plan

Credit Key - Buy Now Pay Later Platforms

Credit Key

Accelerate B2B payments with Credit Key.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is Credit Key?

Credit Key enables businesses to integrate payments convenience and speed of B2C transactions into their own B2B checkout process. This innovative product is patent-protected and streamlines the order fulfillment process by allowing shoppers to complete their payment quickly in the moment. ...

Read more about Credit Key

Credit Key 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

Add to compare

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
Afterpay - Buy Now Pay Later Platforms

Afterpay

Split your payments, expand your possibilities.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

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 ...

Read more about Afterpay

Afterpay offers custom pricing plan

Pin Payments - Payment Processing Software

Pin Payments

Streamlining payments with top-notch security.

Best for: SMB teams · Mid-market

Get Pricing Details

Add to compare

What is Pin Payments?

Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible platform that can operate with minimal staff overhead and provide the maximum security with rigorous PCI ...

Read more about Pin Payments

Pin Payments offers custom pricing plan

WePay - Payment Processing Software

WePay

Streamline your payments with WePay.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is WePay?

WePay is an all-in-one payment processing software. The platform enables merchants of all sizes, from small to large, to process credit and debit cards, online and offline payments in a number of different countries. We Pay can integrate with a variety of platforms that include Salesforce ...

Read more about WePay
Chargezoom - Payment Processing Software

Chargezoom

Effortless payment processing for your business.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

Add to compare

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
Omise - Payment Processing Software

Omise

Accelerate your online payments with Omise.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

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

Four vs its closest competitors

Four competes with 10 other payment processing software tools tracked on Spotsaas. The closest by feature overlap are MagicPay, Payfirma and DusuPay. 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 10 options below cover both, whether you want a like-for-like replacement or something lighter.

What earned each Four alternative its spot

MagicPayBest for small & mid-size businesses

Supports multiple payment methods

Watch for: Limited customer support hours

PayfirmaBest for teams of all sizes

Global payment acceptance

Watch for: Complex pricing structure

DusuPayBest for teams of all sizes

Easy to use

Watch for: Limited features for large businesses

Credit KeyBest for teams of all sizes

Easy and quick approval process.

Watch for: Unclear policies and sudden changes in credit limits.

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.

Pin PaymentsBest for small & mid-size businesses

Feature-rich platform

Watch for: Complex setup for some users

WePayBest for teams of all sizes

Multi-country payment processing

Watch for: Limited customer support options

ChargezoomBest for teams of all sizes

Easy credit card acceptance

Watch for: Limited international support

OmiseBest for teams of all sizes

High availability and scalability

Watch for: Complex setup process

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 10 free alternatives break down like this: 1 offers a free tier; paid plans run $20–$575, with Chargezoom the cheapest entry point; and MagicPay is the highest rated at 5 across 3 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 MagicPay (5.0★), Chargezoom (5.0★), Omise (5.0★). Compare all 10 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 — Chargezoom let you evaluate without paying upfront.
  • If real-user ratings matter most: MagicPay 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].