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Best Payment Processing Software For Free

Top picks for Payment Processing Software available for Free

Effortless payment processing for your business.

5.0

Excellent

Free trial not available

Freemium

Starts from $20/Month

Streamline payments and get paid with ease

4.4

Very Good

Free Trial available, Try Now

Freemium

Starts from $29/recipient when monthly

Streamline your invoices, simplify your cash flow.

4.3

Very Good

Free trial not available

Freemium

Libeo offers custom pricing plan

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List of the Best Payment Processing Software For Free as of July 2026

Chargezoom - Payment Processing Software

Chargezoom

Effortless payment processing for your business.

Best for: SMB teams · Mid-market · Enterprise

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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 ...

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Starts from $20/Month, also offers free forever plan

LEVELSET - New SaaS Software

LEVELSET

Streamline payments and get paid with ease

Best for: SMB teams · Mid-market · Enterprise

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What is LEVELSET?

Levelset provides contractors and suppliers with cloud-based tools to manage payments and take the stress out of the process. With Levelset, users can exchange necessary payment documents like lien waivers, pay applications, and preliminary notices to have a clear understanding of everyone ...

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Free TrialTry Free →·

Starts from $29/recipient when monthly, also offers free forever plan

Libeo - New SaaS Software

Libeo

Streamline your invoices, simplify your cash flow.

Best for: SMB teams · Mid-market · Enterprise

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What is Libeo?

Libeo is the go-to solution for businesses looking to streamline their invoice and payment processes. As Europe's leading B2B payments platform, Libeo offers convenience and efficiency with its centralized platform. Say goodbye to tedious and error-prone manual processing, as Libeo digitizes ...

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Libeo offers custom pricing plan

Swipesum - Payment Processing Software

Swipesum

Streamline payments on a budget.

Best for: SMB teams · Mid-market · Enterprise

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What is Swipesum?

Swipesum's PayFlow payment processing software is the perfect solution for small business owners who want to process credit and debit cards through their website or mobile app while keeping their overall costs low. Offering an easy-to-use, cloud-based platform with full accounting capabilities ...

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Starts from $25/analysis, also offers free forever plan

iwocaPay - Payment Processing Software

iwocaPay

Secure payments made simple.

Best for: SMB teams · Mid-market

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What is iwocaPay?

iwocaPay is a B2B payment solution used by UK small business owners and their trade customers to offer flexible payment terms — including buy-now-pay-later options — at the point of invoice or checkout. It solves the problem of business buyers who delay payment due to cash flow constraints by ...

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iwocaPay offers custom pricing plan

GoCardless - Payment Processing Software

GoCardless

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is GoCardless?

venmo for Business is a powerful next-generation solution that provides merchants with the ability to process credit and debit cards, as well assist with customer service, sales, marketing, and informational data. Based upon a robust and powerful platform. It is a simple, modern approach to ...

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Free TrialTry Free →·

GoCardless offers custom pricing plan

Genome Wallet - Payment Processing Software

Genome Wallet

Streamline your e-commerce payments seamlessly.

Best for: SMB teams · Mid-market · Enterprise

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What is Genome Wallet?

Genome is an all-in-one financial platform offering online IBAN accounts, multi-currency wallets, SEPA Instant transfers, SWIFT payments, Visa cards, and secure merchant payment solutions. Business accounts Open dedicated online business IBAN accounts for your company with a fully digital ...

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Starts from 10/month when Billed Monthly

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Wallester

Redefining Business Expense Management

Best for: SMB teams · Mid-market · Enterprise

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What is Wallester?

Wallester is a financial technology company that revolutionizes expense management for businesses, offering an innovative approach to optimizing corporate finances. As an official Visa partner, Wallester Business provides a seamless solution for issuing corporate cards tailored to various ...

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ePayPolicy

Simplifying Secure Online Payments and Accounting for the Insurance Industry

Best for: Mid-market · Enterprise

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What is ePayPolicy?

ePayPolicy offers secure, efficient online payment solutions tailored to the unique needs of the insurance industry. Designed to eliminate the complexities of payment processing, ePayPolicy provides a seamless platform for agencies, brokers, MGAs, premium finance companies, and carriers to ...

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Free TrialTry Free →·

Starts from $25/month when monthly

Introwise - New SaaS Software

Introwise

Effortlessly connect, consult, and get paid.

Best for: SMB teams · Mid-market

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What is Introwise?

Introwise is an advanced business platform tailored to experts and service providers. This tool helps share expertise globally and handle payments, appointment scheduling and video calls with ease. Powerful integrations with Google Calendar and Stripe makes it simple to book a time within just ...

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Starts from $39/Month, also offers free forever plan

Plastiq - Payment Processing Software

Plastiq

Unlock unlimited bank transfers and streamline payables.

Best for: SMB teams · Mid-market · Enterprise

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What is Plastiq?

Plastiq allows businesses to pay suppliers with their credit card even if it's otherwise not accepted. It offers cash flow management, payables automation and accounting integrations to help streamline business processes. With Plastiq, businesses can manage their finances more effectively and ...

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Free TrialTry Free →·

Starts from $59/Month, also offers free forever plan

Bllng - Payment Processing Software

Bllng

Join the crypto revolution with Bllng.

Best for: SMB teams · Mid-market · Enterprise

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What is Bllng?

Take Payments to the Next Level with Bllng! With just a few clicks, you can join the crypto payment revolution with one of the most innovative companies around. Bllng values security and knows how important it is to guarantee transactions efficiently. This is why businesses of all sizes can ...

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inai - Payment Processing Software

inai

Maximize profits with seamless global payments.

Best for: SMB teams · Mid-market · Enterprise

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What is inai?

Inai is the perfect platform for global payment integration that helps maximise profits for businesses. Its founders have extensive entrepreneurial and investor experience, and offer a range of flexible business and pricing models. There’s no coding necessary - businesses can use the payment ...

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Starts from $500/Month, also offers free forever plan

Kindly Payment Reminder - Payment Processing Software

Kindly Payment Reminder

Boost revenue with hassle-free payment reminders.

Best for: SMB teams · Mid-market · Enterprise

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What is Kindly Payment Reminder?

The Kindly Payment Reminder is a powerful tool designed to help businesses boost their revenue by ensuring prompt payment from customers. This user-friendly software simplifies the process of sending payment reminders to those with unpaid or incomplete orders through customizable email ...

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Free TrialTry Free →·

Starts from $6.99/Month, also offers free forever plan

NuovoPay - Payment Processing Software

NuovoPay

Seamless payments, simplified solutions.

Best for: SMB teams · Mid-market · Enterprise

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What is NuovoPay?

NuovoPay is a payment processing software as a service (SaaS) that allows merchants to accept credit cards from the comfort of their desktop. This service offers tiered pricing options, no monthly or start-up fees, a PCI certified merchant account, and payouts via either PayPal or direct check ...

Read more about NuovoPay

Frequently Asked Questions About Payment Processing Software

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

The most important Payment Processing Software features to evaluate are Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing and Invoicing, Cash Management, Collections. Most buyers prioritize ease of use, reporting, and integration capabilities. Look for tools that cover your core workflow before comparing advanced features.

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

The top rated Payment Processing Software based on verified user reviews and SpotScore are Omise, Quantum Electronic Payments, Chargezoom. 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 Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing and Invoicing, Cash Management, Collections. 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 Processing 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 Processing 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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