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10 Waya Alternatives Ranked by Real Users — Free Picks Included (2026)

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

10 free Waya alternatives worth comparing

Quick answer

Among free payment gateway software alternatives to Waya, the leaders are Authorize.Net, Payoneer and Paytm Payment Gateway. Authorize.Net ranks number one with a SpotScore of 9.3 and 4.13★ from real users. All 10 are compared on score, rating, and price below.

Finding a strong Waya 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.

ProductSpotScoreRatingPricingBest for
Authorize.NetSecure payment solutions for your business.9.3★★★★☆ 4.13(319)from $25/moteams of all sizes
PayoneerEffortless payments for global businesses.9.3★★★★★ 4.56(8904)Quotation Basedteams of all sizes
Paytm Payment GatewaySeamless integration, customizable alerts, effortless payments.8.9★★★★★ 4.89(132)Quotation Basedteams of all sizes
MollieAccept payments effortlessly, meet your customers' needs.8.6★★★★☆ 4.02(1049)Quotation Basedteams of all sizes
CitrusStreamline your payments with ease and security.8.6★★★★☆ 4.17(3)Quotation Basedteams of all sizes
MultiSafepaySecure payments made easy for online merchants.8.5★★★★☆ 4.23(243)Quotation Basedteams of all sizes
AkuratecoEmpowering merchants with efficient payment control.8.3★★★★★ 4.7Quotation Basedteams of all sizes
Zoho CheckoutStreamline payments, expand your business.8.1★★★★☆ 4.36(11)Freefrom $9/mosmall & mid-size businesses
ViewpostConnect and transact with ease.8.1★★★★★ 4.5from $14.99/moteams of all sizes
Deluxe eChecksSecure, convenient electronic payments for your business.8★★★☆☆ 2.5(2)from $30teams of all sizes

9.3

SpotScore

Authorize.Net - Payment Gateway Software

Authorize.Net

Secure payment solutions for your business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.1

319 verified reviews

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What is Authorize.Net?

Authorize.Net is a payment gateway for businesses that process credit card and electronic check payments on websites and mobile apps, with broad support for major e-commerce platforms and accounting integrations. It carries a monthly gateway fee ($25-$99 depending on plan) plus per-transaction ...

Read more about Authorize.Net

Authorize.Net offers custom pricing plan

9.3

SpotScore

Payoneer - Payment Gateway Software

Payoneer

Effortless payments for global businesses.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.6

8904 verified reviews

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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 ...

Read more about Payoneer

Payoneer offers custom pricing plan

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8.9

SpotScore

Paytm Payment Gateway - Payment Gateway Software

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.9

132 verified reviews

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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 ...

Read more about Paytm Payment Gateway

Paytm Payment Gateway offers custom pricing plan

8.6

SpotScore

Mollie - Payment Gateway Software

Mollie

Accept payments effortlessly, meet your customers' needs.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.0

1049 verified reviews

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What is Mollie?

Mollie is a payment gateway for European e-commerce businesses and online merchants that need to accept credit cards, iDeal, PayPal, and regional digital wallets through a single integration. It is especially well-suited for Dutch and broader European merchants due to its native iDeal support ...

Read more about Mollie

Mollie offers custom pricing plan

8.6

SpotScore

Citrus - Payment Gateway Software

Citrus

Streamline your payments with ease and security.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

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 ...

Read more about Citrus

Citrus offers custom pricing plan

8.5

SpotScore

MultiSafepay - Payment Gateway Software

MultiSafepay

Secure payments made easy for online merchants.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

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, ...

Read more about MultiSafepay

MultiSafepay offers custom pricing plan

8.3

SpotScore

Akurateco - Payment Gateway Software

Akurateco

Empowering merchants with efficient payment control.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

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 ...

Read more about Akurateco

Akurateco offers custom pricing plan

8.1

SpotScore

Zoho Checkout - Payment Gateway Software

Zoho Checkout

Streamline payments, expand your business.

Best for: SMB teams · Mid-market

Try for Free

4.4

11 verified reviews

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What is Zoho Checkout?

Zoho Checkout is a payment gateway for small and medium-sized online merchants that need to accept credit cards, debit cards, checks, and ACH payments through their websites. It integrates naturally within the Zoho product ecosystem, making it the logical choice for businesses already running ...

Read more about Zoho Checkout

Zoho Checkout offers custom pricing plan

8.1

SpotScore

Viewpost - Payment Gateway Software

Viewpost

Connect and transact with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

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What is Viewpost?

Viewpost is a payment gateway for brick-and-mortar retailers in industries like travel, hospitality, lodging, and automotive that want to extend their physical retail operations into digital and electronic payment channels. It is built to bridge offline retail environments with online payment ...

Read more about Viewpost

8.0

SpotScore

Deluxe eChecks - Payment Gateway Software

Deluxe eChecks

Secure, convenient electronic payments for your business.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

2.5

2 verified reviews

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What is Deluxe eChecks?

The Deluxe eCheck software is the well-built gateway to success for merchants accepting eChecks. Gateway modules are included to process eCheck deposits, In-house ACH (RDC), and external ACH (ATM). Make payments anytime, from anywhere. Receive payments however user choose. DPX gives both sender ...

Read more about Deluxe eChecks

Deluxe eChecks offers custom pricing plan

How Waya competitors stack up

There are 10 direct Waya competitors in Payment Gateway Software. The ones that come up most often are Authorize.Net, Payoneer and Paytm Payment Gateway. Each is compared against Waya on rating, pricing and feature coverage below.

Sites and apps like Waya

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

Why each made our Waya alternatives list

Authorize.Net9.3Best for teams of all sizes

Easy to navigate and integrates with other software.

Watch for: Limited options in the Marketplace for additional apps and connectors.

Payoneer9.3Best for teams of all sizes

Efficient customer service, offering quick and effective issue resolution.

Watch for: Some users find the fees charged by Payoneer to be relatively high.

Paytm Payment Gateway8.9Best for teams of all sizes

Convenient and fast way to convert and transfer Paytm gift wallet balance into bank accounts.

Watch for: Some delays in transaction processing and occasional complexity in payment settlements.

Mollie8.6Best for teams of all sizes

Quick and professional responses from customer support.

Watch for: Some users encountered difficulties in contacting the company, leading to delays in issue resolution.

Citrus8.6Best for teams of all sizes

Flexible payment options

Watch for: Limited advanced features

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

Zoho Checkout8.1Best for small & mid-size businesses

Supports multiple payment methods

Watch for: Limited customization options

Viewpost8.1Best for teams of all sizes

Bridges online and offline payments

Watch for: Limited international support

Deluxe eChecks8Best for teams of all sizes

Flexible payment options

Watch for: Limited to eCheck payments

How to compare Waya alternatives

Comparing the 10 free alternatives on the figures that matter: 1 offers a free tier; paid plans run $9–$30, with Zoho Checkout the cheapest entry point; and Paytm Payment Gateway is the highest rated at 4.89★ across 132 reviews.

How we decide the order.

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 Waya are Paytm Payment Gateway (4.9★), Akurateco (4.7★), Payoneer (4.6★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Waya, prioritize: Saved Cards, Gift Card Management, Website Payments, 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.

Migration difficulty depends on how deeply Waya 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 choose a Waya alternative with confidence

  • On a budget / just exploring: start with a free tier — Zoho Checkout let you evaluate without paying upfront.
  • If real-user ratings matter most: Paytm Payment Gateway has the strongest star rating (4.89★) among the options with verified reviews.
  • Want the safest pick: Authorize.Net has the highest Spotsaas Score (9.3) in this list — a strong default if you're unsure.

Getting off Waya without the headaches

Before you commit to leaving Waya, validate the fit. Export your data, check the import works, and confirm your essential features carry over. Pilot the switch with a free trial, then go all in, keeping Waya open as a safety net until you're settled.

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