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10 Best Heartland eCommerce Alternatives in 2026 — Free Options Included

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

10 free Heartland eCommerce alternatives, ranked at a glance

Quick answer

The most popular free payment gateway software alternatives to Heartland eCommerce are PayPal, Razorpay and 2Checkout. PayPal tops the ranking with a SpotScore of 9.8 and 1.64★ from users. Compare all 10 on score, rating, and pricing below.

Maybe Heartland eCommerce costs too much, misses a feature you need, or just feels clunky. Whatever the reason, these 10 payment gateway software free alternatives are the picks worth a closer look. We order them by SpotScore, a mix of verified user satisfaction and market presence, plus ratings and pricing. Use the table to compare at a glance, then dig into each below.

ProductSpotScoreRatingPricingBest for
PayPalEasy, secure payments at your fingertips.9.8★★☆☆☆ 1.64(3820)Quotation Basedteams of all sizes
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
InstamojoSecure and seamless online payments made easy.8.6★☆☆☆☆ 1.43(14)FreeFreemium · Subscription · Quotation Basedteams of all sizes
PaySimpleSeamless payments for your online business.8.6★★★★☆ 4.43(97)from $59.95/moteams of all sizes
TranzzoStreamline online payments with Tranzzo.8.6★★★★☆ 4.36(12)Quotation Basedteams of all sizes
MultiSafepaySecure payments made easy for online merchants.8.5★★★★☆ 4.23(243)Quotation Basedteams of all sizes
CCAvenueSecure, seamless payment solutions for modern businesses.8.4★☆☆☆☆ 1.25(17)Subscriptionteams of all sizes
AkuratecoEmpowering merchants with efficient payment control.8.3★★★★★ 4.7Quotation Basedteams of all sizes
EzidebitEffortlessly accept payments, anytime, anywhere.8.1★★★☆☆ 3.29(27)Quotation Basedteams of all sizes

9.8

SpotScore

PayPal - Payment Gateway Software

PayPal

Easy, secure payments at your fingertips.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

1.6

3820 verified reviews

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What is PayPal?

PayPal is a payment gateway and digital wallet used by online merchants globally to process card transactions, send invoices, and handle purchase disputes. Merchants pay transaction fees (typically 2.9% plus $0.30 in the US) while buyers pay nothing, and PayPal's built-in purchase protection ...

Read more about PayPal

PayPal offers custom pricing plan

9.1

SpotScore

Razorpay - Payment Gateway Software

Razorpay

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.8

34 verified reviews

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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. ...

Read more about Razorpay

Razorpay offers custom pricing plan

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9.1

SpotScore

2Checkout - Payment Gateway Software

2Checkout

Streamline your payments with 2Checkout.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.3

813 verified reviews

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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 ...

Read more about 2Checkout

2Checkout offers custom pricing 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

1.4

14 verified reviews

Add to compare

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

8.6

SpotScore

PaySimple - Payment Gateway Software

PaySimple

Seamless payments for your online business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.4

97 verified reviews

Add to compare

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 ...

Read more about PaySimple

PaySimple offers custom pricing plan

8.6

SpotScore

Tranzzo - Payment Gateway Software

Tranzzo

Streamline online payments with Tranzzo.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.4

12 verified reviews

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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 ...

Read more about Tranzzo

Tranzzo offers custom pricing plan

8.5

SpotScore

MultiSafepay - Payment Gateway Software

MultiSafepay

Secure payments made easy for online merchants.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.2

243 verified reviews

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What is MultiSafepay?

MultiSafepay is a payment gateway for European online merchants — particularly those on Magento — that need access to a wide range of payment methods including cards, buy-now-pay-later options, and regional European instruments. Its Magento plugin is well-regarded by Dutch e-commerce merchants, ...

Read more about MultiSafepay

MultiSafepay offers custom pricing plan

8.4

SpotScore

CCAvenue - Payment Gateway Software

CCAvenue

Secure, seamless payment solutions for modern businesses.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

1.3

17 verified reviews

Add to compare

What is CCAvenue?

CCAvenue is the payment gateway software that lets users accept payments online with a credit/debit card or through multiple payment channels like mobile, PoS, and net banking. With SaaS-based solution and integrated fraud management system, CCAvenue helps merchants across all verticals to ...

Read more about CCAvenue

8.3

SpotScore

Akurateco - Payment Gateway Software

Akurateco

Empowering merchants with efficient payment control.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.7

Add to compare

What is Akurateco?

Akurateco, is a white-label payment gateway management software, designed to help merchants across different industries achieve complete command over their payment flow. A fees engine within the particular has the ability to monitor and estimate settlements of individual payment channels. Users ...

Read more about Akurateco

Akurateco offers custom pricing plan

8.1

SpotScore

Ezidebit - Payment Gateway Software

Ezidebit

Effortlessly accept payments, anytime, anywhere.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

3.3

27 verified reviews

Add to compare

What is Ezidebit?

Ezidebit software lets you accept credit card payments online, in store or over the phone. It comes pre-configured with everything you need to take payments. And because it's flexible to suit your needs, you can connect your existing hardware (such as a PC, tablet or PoS terminal) or use our

Read more about Ezidebit

Ezidebit offers custom pricing plan

Heartland eCommerce vs its closest competitors

Heartland eCommerce competes with 10 other payment gateway software tools tracked on Spotsaas. The closest by feature overlap are PayPal, Razorpay and 2Checkout. Each is compared against Heartland eCommerce on rating, pricing and feature coverage below.

Sites and apps like Heartland eCommerce

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

Why each tool is in the running

PayPal9.8Best for teams of all sizes

Excellent customer service experience with helpful, friendly, and patient staff.

Watch for: Lack of support for users who do not have emails on their phones, causing difficulties in providing necessary information for issue resolution.

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.

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.

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.

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.

MultiSafepay8.5Best for teams of all sizes

Quick and responsive customer support, ensuring prompt assistance and issue resolution, enhancing user experience.

Watch for: Complicated and time-consuming account activation process, with excessive and invasive requests for documentation, causing delays and frustrations.

CCAvenue8.4Best for teams of all sizes

Multiple payment channels

Watch for: Limited international support

Akurateco8.3Best for teams of all sizes

Highly customizable reporting

Watch for: Complex setup process

Ezidebit8.1Best for teams of all sizes

Flexible payment options

Watch for: Limited advanced features

Why teams look for a Heartland eCommerce alternative

A few recurring complaints tend to drive the move off Heartland eCommerce:

  • Limited international support
  • Complex setup for some features
  • Customer service can be inconsistent
  • Fees may increase with volume

What to look at before switching from Heartland eCommerce

Stacked against each other, the 10 free alternatives compare this way: 1 offers a free tier; paid plans run $59.95, with PaySimple the cheapest entry point; and Razorpay is the highest rated at 4.75★ across 34 reviews.

Behind the order.

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 Heartland eCommerce are Razorpay (4.8★), Akurateco (4.7★), PaySimple (4.4★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Heartland eCommerce, prioritize: Invoice Payment, PoS Transactions, Recurring Billing, Website Payments, Saved Cards, 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 Heartland eCommerce 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.

Choosing the best Heartland eCommerce alternative for your goals

  • On a budget / just exploring: start with a free tier — Instamojo 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: PayPal has the highest Spotsaas Score (9.8) in this list — a strong default if you're unsure.

The switch from Heartland eCommerce

A low-stress switch from Heartland eCommerce starts with exporting your data and confirming the new tool imports it. Check feature parity for your real workflows, run a short pilot, and keep Heartland eCommerce active until the move is finished. The free tiers above let you trial first.

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