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Best Relay Payments Alternatives: 10 Compared, With Free Options (2026)

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

The 10 best free Relay Payments alternatives this year

Quick answer

For most teams, the best Relay Payments alternatives are Chargezoom, Clearent and PayJunction. Chargezoom leads the list with a 5★ rating from real users. Compare all 10 on rating and pricing below.

Some teams leave Relay Payments for the price, others for features or fit. Whatever yours is, these 10 payment processing software free alternatives are the picks we'd start with, ranked by SpotScore (real-user satisfaction plus market presence), ratings, and pricing. Editors review each. The table is your quick comparison; the sections below add depth.

ProductSpotScoreRatingPricingBest for
ChargezoomEffortless payment processing for your business.—★★★★★ 5(1)Freefrom $20/moteams of all sizes
ClearentEffortlessly accept card payments for your business.—★★★☆☆ 2.88(4)Quotation Basedteams of all sizes
PayJunctionStreamline payments with secure, 24/7 support.—★★★★★ 4.92(190)Quotation Basedteams of all sizes
AffirmEmpowering financial freedom for all.—★★★★☆ 4.37(44)Quotation Basedteams of all sizes
Heartland Payment ProcessingEfficient payment processing for your business.—★★★★★ 4.75(20)Quotation Basedsmall & mid-size businesses
EPXStreamline Your Payments with EPX.—★★★★★ 4.55(30)Quotation Basedteams of all sizes
Shift4 PaymentsSecure, affordable, and effortless payment processing.—★★★★☆ 4.49(132)Quotation Basedteams of all sizes
WePayStreamline your payments with WePay.—★★★★☆ 4.47(124)Subscriptionteams of all sizes
Genome WalletStreamline your e-commerce payments seamlessly.—★★★☆☆ 3.25(110)Subscriptionteams of all sizes
BluePayEfficient payment processing for your business.—★★★★☆ 4.33(31)Quotation Basedsmall & mid-size businesses
Chargezoom - Payment Processing Software

Chargezoom

Effortless payment processing for your business.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

5.0

1 verified reviews

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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 ...

Read more about Chargezoom
Clearent - Payment Processing Software

Clearent

Effortlessly accept card payments for your business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

2.9

4 verified reviews

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What is Clearent?

Clearent payment processing software is the easiest way to accept charge cards and e-commerce payments for your business.  The Clearent Payment Processing Software allows you to accept card payments through a variety of methods including mobile devices, email invoices, and traditional card ...

Read more about Clearent

Clearent offers custom pricing plan

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PayJunction - Payment Processing Software

PayJunction

Streamline payments with secure, 24/7 support.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.9

190 verified reviews

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What is PayJunction?

PayJunction is a modern, enterprise-class, multi-channel payment processing software. It comes in a SaaS (Software as a Service) model for subscription-based revenue streams and with an easy to install on-premise version for single processors or mini-merchant banks. PayJunction is secure, ...

Read more about PayJunction

PayJunction offers custom pricing plan

Affirm - Buy Now Pay Later Platforms

Affirm

Empowering financial freedom for all.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.4

44 verified reviews

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What is Affirm?

Affirm is a revolutionary financial service employing advanced technology to create disruption in the industry. We put customers first by offering financing solutions that are simple, straightforward and free of hidden charges. Our Affirm for Merchants program arms business owners with the ...

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Affirm offers custom pricing plan

Heartland Payment Processing - Payment Processing Software

Heartland Payment Processing

Efficient payment processing for your business.

Best for: SMB teams · Mid-market

Get Pricing Details

4.8

20 verified reviews

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What is Heartland Payment Processing?

Heartland Payment Processing software was designed with convenience in mind. A "point of sale payment processing" system, it offers the ability to run a business without having to purchase bulky expensive equipment or hire a pricey staff. The software's date and time stamp can record customer ...

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Heartland Payment Processing offers custom pricing plan

EPX - Payment Processing Software

EPX

Streamline Your Payments with EPX.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

30 verified reviews

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What is EPX?

Our EPX payment processing software is a cloud-based software program designed to handle multiple credit/debit/cash transactions and customer data. EPX is PCI-DSS compliant, easy-to-use, and comes in three editions, all written in Java programming language. This payment processing software is ...

Read more about EPX

EPX offers custom pricing plan

Shift4 Payments - Payment Processing Software

Shift4 Payments

Secure, affordable, and effortless payment processing.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

132 verified reviews

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What is Shift4 Payments?

Shift4 Payments is a revolutionary merchant account payment processing solution. From our patented online technology that displays your shopping cart directly on a mobile phone or computer to the dynamic web-based reporting provided by Shift4's comprehensive suite of applications, we deliver ...

Read more about Shift4 Payments

Shift4 Payments offers custom pricing plan

WePay - Payment Processing Software

WePay

Streamline your payments with WePay.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

124 verified reviews

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What is WePay?

WePay is an all-in-one payment processing software. The platform enables merchants of all sizes, from small to large, to process credit and debit cards, online and offline payments in a number of different countries. We Pay can integrate with a variety of platforms that include Salesforce ...

Read more about WePay
Genome Wallet - Payment Processing Software

Genome Wallet

Streamline your e-commerce payments seamlessly.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

3.3

110 verified reviews

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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 ...

Read more about Genome Wallet
BluePay - Payment Processing Software

BluePay

Efficient payment processing for your business.

Best for: SMB teams · Mid-market

Get Pricing Details

4.3

31 verified reviews

Add to compare

What is BluePay?

BluePay is a payment processing application that enables you to integrate various payment methods into your online or physical store. It supports authorization, capture and refunds and the ability to process customer payments directly on-site via a hardware key or by entering information on ...

Read more about BluePay

BluePay offers custom pricing plan

Who competes with Relay Payments?

Across Payment Processing Software, 10 products compete directly with Relay Payments. The strongest overlap is with Chargezoom, Clearent and PayJunction. Each is compared against Relay Payments on rating, pricing and feature coverage below.

Sites and apps like Relay Payments

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

What each pick gets right

ChargezoomBest for teams of all sizes

Easy credit card acceptance

Watch for: Limited international support

ClearentBest for teams of all sizes

Easy charge card acceptance

Watch for: Limited advanced features

PayJunctionBest for teams of all sizes

Enterprise-class capabilities

Watch for: Complex setup for some users

AffirmBest for teams of all sizes

Provides payment solutions via instalments.

Watch for: Poor online ratings and limited revenue generation for some.

Heartland Payment ProcessingBest for small & mid-size businesses

User-friendly interface

Watch for: Limited advanced features

EPXBest for teams of all sizes

Cloud-based solution

Watch for: Limited features in lower editions

Shift4 PaymentsBest for teams of all sizes

Advanced payment technology

Watch for: Limited international support

WePayBest for teams of all sizes

Multi-country payment processing

Watch for: Limited customer support options

Genome WalletBest for teams of all sizes

Middleware functionality

Watch for: Complex setup process

BluePayBest for small & mid-size businesses

Affordable rates for merchants

Watch for: Limited international support

Why teams look for a Relay Payments alternative

Teams rarely leave Relay Payments without a reason — usually it's one of these:

  • Limited to specific industries
  • May require integration with existing systems
  • Not suitable for all business types

How to judge a Relay Payments alternative

Comparing pricing, ratings, and strengths across the 10 free alternatives: 1 offers a free tier; paid plans run $20, with Chargezoom the cheapest entry point; and Chargezoom is the highest rated at 5★ across 1 reviews.

How the scoring works.

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 Relay Payments are Chargezoom (5.0★), PayJunction (4.9★), Heartland Payment Processing (4.8★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Relay Payments, prioritize: Payment Processing, Receipt Management, Mobile Payments, Accounting Integration, 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 Relay Payments 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.

How to pick the Relay Payments alternative that fits you

  • On a budget / just exploring: start with a free tier — Chargezoom let you evaluate without paying upfront.
  • If real-user ratings matter most: Chargezoom has the strongest star rating (5★) among the options with verified reviews.

Making the jump from Relay Payments

Before you cut over from Relay Payments, secure your data. Export it, test the import into the new tool, and make sure your core workflows carry through. Pilot on a free trial before going live, and don't close Relay Payments until the migration's complete.

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