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Best Payment Processing Software with a Free Plan or Free Trial

Top picks for Payment Processing Software available with a free plan or free trial

Effortless payment processing for your business.

5.0

Excellent

Free trial not available

Freemium

Starts from $20/Month

Streamline your invoices, simplify your cash flow.

4.3

Very Good

Free trial not available

Freemium

Libeo offers custom pricing plan

Collect recurring payments straight from bank accounts.

4.3

Very Good

Free Trial available, Try Now

Freemium

GoCardless offers custom pricing plan

How we score these products

Every product here is scored on the same 10-point SpotScore scale, built from pricing, feature and deployment data we maintain, plus ratings collated from public review sources.

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List of the Best Payment Processing Software with a Free Plan or Free Trial as of November 2026

Chargezoom - Payment Processing Software

Chargezoom

Effortless payment processing for your business.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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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

Libeo - New SaaS Software

Libeo

Streamline your invoices, simplify your cash flow.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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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

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GoCardless - Payment Processing Software

GoCardless

Collect recurring payments straight from bank accounts.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

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What is GoCardless?

GoCardless is a bank payment platform for collecting recurring payments directly from customers' bank accounts, using Direct Debit, ACH, Bacs, SEPA and open banking rather than card networks. It is built for subscriptions, invoicing, instalments and any business billing the same customers ...

Read more about GoCardless
Free TrialTry Free →·

GoCardless offers custom pricing 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

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

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

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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Watch Demo

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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Free TrialTry Free →
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ePayPolicy

Simplifying Secure Online Payments and Accounting for the Insurance Industry

Best for: Mid-market · Enterprise

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watch-demo

Watch Demo

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

Bllng - Payment Processing Software

Bllng

Join the crypto revolution with Bllng.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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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

Try for Free

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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

Swipesum - Payment Processing Software

Swipesum

Streamline payments on a budget.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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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

NuovoPay - Payment Processing Software

NuovoPay

Seamless payments, simplified solutions.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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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 features most commonly offered by Payment Processing Software on Spotsaas are Online Payments, Payments, Payment Gateway, Credit Card Processing, eCommerce, PCI Compliance. Most buyers prioritize ease of use, reporting, and integration capabilities. Start with what covers 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, including Wallester, ePayPolicy, Plooto. Paid plans typically start around $10–$50/month per user. Check individual product pages for current pricing.

The top rated Payment Processing Software based on verified user reviews and SpotScore are LexisNexis Payment Solutions, Paymentwall, Omise. These consistently score highest on ease of use, feature depth, and customer support quality. Ratings are updated monthly based on real buyer feedback.

To choose the right Payment Processing Software, start by listing your must-have features, commonly Online Payments, Payments, Payment Gateway, Credit Card Processing, eCommerce, PCI Compliance. Then filter by team size, budget, and integrations you already use. Compare at least 3 options and use free trials to test before committing. Spotsaas lets you compare side-by-side in minutes.

Yes. 8 Payment Processing Software on Spotsaas offer a free plan or free trial. Popular free options include Wallester, ePayPolicy, Plooto. Free plans typically cover core features for small teams; paid upgrades unlock advanced reporting, integrations, and support.

The best Payment Processing Software for small businesses are affordable, quick to set up, and scale without complexity. Top picks for small teams are Flatpay, Nickel, PayTabs. Look for per-user pricing, no long-term contracts, and strong onboarding support to minimize ramp-up time.

About the reviewer

Rajat Gupta is the founder of Spotsaas, where he has built software research covering 25,000+ products across CRM, HR, AI, and finance. He applies 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].