Is there a free alternative to Payworks?

Yes. Cheddar Up, Deal offer free tiers or trials suitable for small teams and individuals.

Last updated: October 31, 2026

10 Best Payworks Alternatives in 2026, Free Options Included

Q: What are the best alternatives to Payworks?

The top-rated alternatives to Payworks are Deal, Citcon, Akurateco. Compare all 10 alternatives at https://www.spotsaas.com/list/payworks-free-alternative.

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

Payworks alternatives: our 10 top picks at a glance

Quick answer

The best free payment gateway software tools to replace Payworks are Alipay, Citrus and MoonClerk. Alipay sits at number one with a SpotScore of 8.7 and 3.7★ from reviewers. Compare all 10 on score, rating, and pricing below.

Finding a strong Payworks alternative is mostly about knowing which tools deliver. These 10 payment gateway software free alternatives do, ranked by SpotScore, which combines real-user satisfaction with market presence, plus star ratings and pricing. We vet each one. Skim the table, then read the breakdowns below.

Product	SpotScore	Rating	Pricing	Best for
AlipayEffortless payments for your business's success.	8.7	★★★★☆ 3.7(6)	Quotation Based	teams of all sizes
CitrusStreamline your payments with ease and security.	8.6	★★★★☆ 4.17(3)	Quotation Based	teams of all sizes
MoonClerkStreamline your online payments with ease.	8.6	★★★★☆ 3.62(17)	from $15/mo	teams of all sizes
Cheddar UpStreamline payments and boost sales with ease.	8.6	★★★★☆ 4.4	Freefrom $10/mo	teams of all sizes
UniPay GatewayThe key to seamless online payments.	8.5	★★★★★ 4.5(2)	Quotation Based	small & mid-size businesses
MultiSafepaySecure payments made easy for online merchants.	8.5	★★★★☆ 4.23(243)	Quotation Based	teams of all sizes
AkuratecoEmpowering merchants with efficient payment control.	8.3	★★★★★ 4.7	Quotation Based	teams of all sizes
CitconSimplify online payments with secure integration.	8.3	★★★★★ 4.8	Quotation Based	teams of all sizes
DealSecure, fast, and convenient payment processing.	7.9	★★★★★ 4.9	Freefrom $19/mo	teams of all sizes
Compass Payments SuiteSimplify online payments for small businesses.	7.9	★★★★☆ 4(1)	Quotation Based	teams of all sizes

8.7

SpotScore

Alipay

Effortless payments for your business's success.

Best for: SMB teams · Mid-market · Enterprise

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3.7

6 verified reviews

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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 ...

Citrus

Streamline your payments with ease and security.

Best for: SMB teams · Mid-market · Enterprise

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4.2

3 verified reviews

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What is Citrus?

Citrus is a payment gateway for small to medium-sized businesses that need to accept card payments, bank transfers, and mobile payments without depending on an external payment provider. Its in-house processing model gives merchants direct control over payment data and transaction flows within ...

MoonClerk

Streamline your online payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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3.6

17 verified reviews

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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 ...

Cheddar Up

Streamline payments and boost sales with ease.

Best for: SMB teams · Mid-market · Enterprise

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4.4

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What is Cheddar Up?

Cheddar Up is a payment collection platform built for e-commerce merchants, school groups, and community organizations that need to accept credit card, ACH, and check payments without incurring chargeback liability, minimum sales requirements, or monthly subscription fees. It supports hundreds ...

UniPay Gateway

The key to seamless online payments.

Best for: SMB teams · Mid-market

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4.5

2 verified reviews

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What is UniPay Gateway?

UniPay Gateway is a payment processing platform for e-commerce operators that need to automate credit card authorization and data storage without manual transaction handling. It captures card data, authorizes transactions, and writes records to a connected database in a single workflow, ...

MultiSafepay

Secure payments made easy for online merchants.

Best for: SMB teams · Mid-market · Enterprise

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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, ...

Akurateco

Empowering merchants with efficient payment control.

Best for: SMB teams · Mid-market · Enterprise

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4.7

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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 ...

Citcon

Simplify online payments with secure integration.

Best for: SMB teams · Mid-market · Enterprise

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4.8

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What is Citcon?

Citcon is an integrated payment gateway for businesses that need to process transactions across multiple payment platforms — including PayPal, Shopify, and Authorize.NET — from a single system. It encrypts transaction and customer data across all connected channels, reducing the compliance ...

Deal

Secure, fast, and convenient payment processing.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

4.9

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What is Deal?

Deal is a payment gateway for small businesses and freelancers that need to accept credit cards and electronic checks online without complex setup or long-term contracts. It supports multiple currencies, allowing merchants to collect payments from international customers through one account.

Compass Payments Suite

Simplify online payments for small businesses.

Best for: SMB teams · Mid-market · Enterprise

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4.0

1 verified reviews

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What is Compass Payments Suite?

Compass Payments is a payment gateway software that lets small businesses accept credit cards on the Internet. This flexible solution has been tailored to make it easy for businesses of all sizes to accept and process credit card payments at a lower cost than traditional PCI-DSS compliant ...

The main Payworks competitors

Payworks competes with 10 other payment gateway software tools tracked on Spotsaas. The closest by feature overlap are Alipay, Citrus and MoonClerk. Each is compared against Payworks on rating, pricing and feature coverage below.

What else works like Payworks?

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

What earned each one a spot

Alipay8.7Best for teams of all sizes

Supports Alipay payments

Watch for: Limited to Alipay

Citrus8.6Best for teams of all sizes

Flexible payment options

Watch for: Limited advanced features

MoonClerk8.6Best for teams of all sizes

Integration with payment processors like Stripe for convenient transactions.

Watch for: Lack of advanced customization options for checkout pages may limit flexibility.

Cheddar Up8.6Best for teams of all sizes

No chargebacks or monthly fees

Watch for: Limited customer support options

UniPay Gateway8.5Best for small & mid-size businesses

Automates e-commerce transactions

Watch for: Limited payment method options

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.

Akurateco8.3Best for teams of all sizes

Highly customizable reporting

Watch for: Complex setup process

Citcon8.3Best for teams of all sizes

Multiple payment options available

Watch for: Limited international payment support

Deal7.9Best for teams of all sizes

Multi-currency support

Watch for: Fees for currency conversion

Compass Payments Suite7.9Best for teams of all sizes

Tailored for small businesses

Watch for: Limited features for larger businesses

Why teams look for a Payworks alternative

The motivation to leave Payworks usually centers on a few specifics:

Limited international payment options
Higher fees for certain transactions
Customer support can be slow

What to look for in a Payworks alternative

How these 10 payment gateway software free alternatives measure up: 2 offer a free tier; paid plans run $10–$19, with Cheddar Up the cheapest entry point; and UniPay Gateway is the highest rated at 4.5★ across 2 reviews.

Behind the ranking.

Frequently Asked Questions (FAQs)

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

What are the best alternatives to Payworks?

The top-rated alternatives to Payworks are Deal (4.9★), Citcon (4.8★), Akurateco (4.7★). Compare all 10 alternatives side-by-side above.

What features should I look for in a Payment Gateway Software alternative?

When evaluating alternatives to Payworks, prioritize: PoS Transactions, Saved Cards, Mobile Payments, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

How difficult is it to migrate from Payworks to an alternative?

Migration difficulty depends on how deeply Payworks 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.

Which Payworks alternative fits your needs?

On a budget / just exploring: start with a free tier — Cheddar Up and Deal let you evaluate without paying upfront.
If real-user ratings matter most: UniPay Gateway has the strongest star rating (4.5★) among the options with verified reviews.
Want the safest pick: Alipay has the highest Spotsaas Score (8.7) in this list — a strong default if you're unsure.

Leaving Payworks behind

Planning your exit from Payworks? Pull your data out first and confirm the replacement imports it without loss. Make sure the workflows you depend on are covered, run a short trial before committing, and keep Payworks live as a fallback until you're settled. Many tools here offer a free path to test.

Compare top products

Alipay

Citrus

Alipay

Akurateco

Cheddar Up

Akurateco

MultiSafepay

Citcon

UniPay Gateway

Deal

MultiSafepay

Compass Payments Suite

Cheddar Up

Citcon

MoonClerk

Cheddar Up

Alipay

MoonClerk

About the reviewer

Rajat Gupta

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].

10 Best Payworks Alternatives in 2026, Free Options Included

Payworks alternatives: our 10 top picks at a glance

Alipay

Effortless payments for your business's success.

Citrus

Streamline your payments with ease and security.

MoonClerk

Streamline your online payments with ease.

Cheddar Up

Streamline payments and boost sales with ease.

UniPay Gateway

The key to seamless online payments.

MultiSafepay

Secure payments made easy for online merchants.

Akurateco

Empowering merchants with efficient payment control.

Citcon

Simplify online payments with secure integration.

Deal

Secure, fast, and convenient payment processing.

Compass Payments Suite

Simplify online payments for small businesses.

The main Payworks competitors

What else works like Payworks?

What earned each one a spot

Why teams look for a Payworks alternative

What to look for in a Payworks alternative

Frequently Asked Questions (FAQs)

Which Payworks alternative fits your needs?

Leaving Payworks behind

Compare top products

Alipay

Citrus

Alipay

Akurateco

Cheddar Up

Akurateco

MultiSafepay

Citcon

UniPay Gateway

Deal

MultiSafepay

Compass Payments Suite

Cheddar Up

Citcon

MoonClerk

Cheddar Up

Alipay

MoonClerk

Research Popular Software and Services

About the reviewer

Compare top products

Alipay

Citrus

Alipay

Akurateco

Cheddar Up

Akurateco

MultiSafepay

Citcon

UniPay Gateway

Deal

MultiSafepay

Compass Payments Suite

Cheddar Up

Citcon

MoonClerk

Cheddar Up

Alipay

MoonClerk

Research Popular Software and Services

About the reviewer