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Best Payment Gateway Software For Small Business

Top picks for Payment Gateway Software available for small business

9.8

Spot Score

Easy, secure payments at your fingertips.

2.6

Good

Free trial not available

Freemium not available

PayPal offers custom pricing plan

9.3

Spot Score

Effortless payments for global businesses.

4.1

Very Good

Free trial not available

Freemium not available

Payoneer offers custom pricing plan

9.3

Spot Score

Secure payment solutions for your business.

3.7

Very Good

Free trial not available

Freemium not available

Starts from $25/Month

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Top rated

List of the Best Payment Gateway Software For Small Business as of June 2026

9.8

Spot Score

PayPal - Payment Gateway Software

PayPal

Easy, secure payments at your fingertips.

Best for: SMB teams · Mid-market · Enterprise

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What is PayPal?

PayPal is a payment gateway designed to make shopping online more secure and convenient. Its features include secure password-protected transactions, buyer and seller protection, and one-click checkout. PayPal is free to use and its fees are paid by the merchant, not the consumer.

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PayPal offers custom pricing plan

9.3

Spot Score

Payoneer - Payment Gateway Software

Payoneer

Effortless payments for global businesses.

Best for: SMB teams · Mid-market · Enterprise

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What is Payoneer?

Payoneer provides a simple and cost effective solution for your business to accept credit card and other payments online.  Payoneer's suite of Payment Gateway Solutions has been adapted to meet the needs of various businesses such as banks, eCommerce merchants, international money transfer ...

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Payoneer offers custom pricing plan

9.3

Spot Score

Authorize.Net - Payment Gateway Software

Authorize.Net

Secure payment solutions for your business.

Best for: SMB teams · Mid-market · Enterprise

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What is Authorize.Net?

Authorize.Net is a payment gateway service provider that enables your business to accept secure credit card and electronic check payments. Authorization.Net provides you with a software developer's kit so you can customize the checkout process on your websites and mobile sites.

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Starts from $25/Month

9.1

Spot Score

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

Spot Score

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 Payment Gateway Software makes it easy to start accepting online payments on your website. This secure payment gateway integrates with any shopping cart or commerce solution, and works with most major credit cards.

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2Checkout offers custom pricing plan

8.9

Spot Score

Paytm Payment Gateway - Payment Gateway Software

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

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What is Paytm Payment Gateway?

The Paytm gateway software offers you all the benefits a payment gateway should offer – and more. It comes with a seamless integration with Paytm Wallet, configurable SMS alerts, transaction confirmation email for buyers and retailers, verification of users before proceeding further with their ...

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Paytm Payment Gateway offers custom pricing plan

8.9

Spot Score

BlueSnap - Payment Gateway Software

BlueSnap

Streamline your online payments with ease.

Best for: SMB teams · Mid-market

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What is BlueSnap?

BlueSnap is a payment gateway software that allows merchants to start accepting credit cards directly on their own websites. BlueSnap provides everything you need from the award-winning payment gateway to a complete white label solution for your clients. Connect your online business in seconds, ...

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Starts from $0.30

8.8

Spot Score

Adyen - Payment Gateway Software

Adyen

Powering global payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Adyen?

Adyen's software powers the online payment processing systems for best-in-class marketplaces, retailers, financial services organizations, and other businesses that want to accept payments anywhere in the world. Adyen delivers frictionless payments across online, mobile, and in-store channels.

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Adyen offers custom pricing plan

8.8

Spot Score

Tap2Pay - Payment Gateway Software

Tap2Pay

Streamline online payments with secure convenience.

Best for: SMB teams · Mid-market · Enterprise

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What is Tap2Pay?

Tap2Pay is open source payment gateway software for online businesses. It enables any web merchant to accept payments from credit cards, e-wallets, and other payment instruments. It provides a smooth checkout experience for end users by redirecting them to a mobile app or the merchant website ...

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Starts from $49/Month

8.7

Spot Score

Paystack - Payment Gateway Software

Paystack

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Paystack?

Paystack is an all-in-one solution for payment gateway software. It offers a comprehensive feature set with a simple, easy to use interface. Some of the features include: Instant setup, Know your customer (KYC) procedures, Coupons and voucher management, Create and manage multiple pricing for ...

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8.7

Spot Score

Alipay - Payment Gateway Software

Alipay

Effortless payments for your business's success.

Best for: SMB teams · Mid-market · Enterprise

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What is Alipay?

Alipay is a payment gateway software that allows any business to accept Alipay payments. Merchants can recover their payment transactions, perform currency conversion and view transaction status. The gateway uses the Alipay digital payment platform, which is connected to more than 70 online ...

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Alipay offers custom pricing plan

8.6

Spot Score

Cashfree Payments - Payment Gateway Software

Cashfree Payments

Simple. Secure. Swift. Your ultimate financial solution.

Best for: SMB teams · Mid-market · Enterprise

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What is Cashfree Payments?

Introducing Cashfree Payments, your all-in-one solution for financial transactions. With its seamless integration, Cashfree allows you to collect and disburse payments swiftly, making it the preferred choice for Indian businesses. It ensures secure payments by verifying customers' bank accounts ...

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Cashfree Payments offers custom pricing plan

8.6

Spot Score

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

Spot Score

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 gateway designed for e-commerce businesses. It allows you to accept credit card, ACH, direct debit, purchase order and check payments, without any chargebacks, minimum sales or monthly fees. Build up your business through hundreds of online payment options rivaling the best!

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Starts from $10/Month, also offers free forever plan

8.6

Spot Score

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 payment gateway application that can be used by online merchants to process credit card payments on their site. It is a software as a service (SaaS) solution that allows you to setup and run an e-commerce website that accepts all major credit cards for payment.

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Starts from $59.95/Month

8.6

Spot Score

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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Starts from $15/Month

8.6

Spot Score

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 that allows businesses to accept credit cards, debit cards, and mobile payments on websites and mobile apps. You can easily accept all major credit cards, iDeal, PayPal, and other payment methods.

Read more about Mollie

Mollie offers custom pricing plan

8.6

Spot Score

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 custom payment gateway software which provides the best possible services in terms of processing and accepting all kind of transactions. It has a very simple and user-friendly interface and supports various credit/debit cards, multi-currencies and PayPal.

Read more about Instamojo

Instamojo offers custom pricing plan

8.6

Spot Score

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 your business that's flexible, easy-to-use, reliable and secure. It allows you to accept payments – from card and bank transfers to mobile payments – without the need for an external provider.

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Citrus offers custom pricing plan

8.6

Spot Score

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 ...

Read more about Tranzzo

Tranzzo offers custom pricing plan

Frequently Asked Questions About Payment Gateway Software

Stuck on something? We're here to help with all the questions and answers in one place.

The most important Payment Gateway Software features to evaluate are Mobile Payments, Online Payments, Payment Processing, Dashboard, Saved Cards, Website Payments. Most buyers prioritize ease of use, reporting, and integration capabilities. Look for tools that cover your core workflow before comparing advanced features.

Payment Gateway Software pricing varies widely — from free plans to enterprise contracts. 8 products on Spotsaas offer a free plan or trial:

The top rated Payment Gateway Software based on verified user reviews and SpotScore are Coriunder BAAS, Deal, Citcon. These tools score highest on ease of use, feature depth, and customer support — updated monthly from real buyer feedback.

Start by listing your must-have features — commonly Mobile Payments, Online Payments, Payment Processing, Dashboard, Saved Cards, Website Payments. Then filter by team size, budget, and integrations you already use. Compare at least 3 options using free trials before committing. Spotsaas lets you compare side-by-side in minutes.

Yes — 8 Payment Gateway Software on Spotsaas offer a free plan or trial. Free plans cover core features for small teams; paid upgrades unlock advanced reporting and integrations.

The best Payment Gateway Software for small businesses are affordable, quick to set up, and scale without complexity. Look for per-user pricing, no long-term contracts, and strong onboarding support.

About the reviewer

Rajat Gupta is the founder of Spotsaas. Over the past two years, he has reviewed 2,000+ tools across CRM, HR, AI, and finance — applying hands-on product research and a background in commerce and the CFA program to evaluate software through a business and ROI lens. His goal: help teams make software decisions they won't regret.

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

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