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Best Free Zoho Checkout Alternatives — 4 Tools Compared in 2026

Explore 4 alternatives to Zoho Checkout — vetted by our editors with real user reviews, pricing, and feature comparisons.

Compare 4 top free Zoho Checkout alternatives at a glance

Quick answer

Our top free payment gateway software alternatives to Zoho Checkout are BizPayO, PayorCRM and Cheddar Up. BizPayO ranks first with a SpotScore of 8.1. The table below compares all 4 on score, rating, and pricing.

If Zoho Checkout isn't the right fit on price, features, or ease of use, these 4 payment gateway software free alternatives are the strongest options. We rank them by SpotScore, which blends real-user satisfaction with market presence, then by star ratings and pricing model. Every tool here is vetted by our editors. Scan the table first, then read the full breakdown below.

ProductSpotScoreRatingPricingBest for
BizPayOStreamline your payments and increase sales.8.1Not yet ratedFreefrom $19/mosmall & mid-size businesses
PayorCRMStreamlining customer relations and invoicing for your business.7.9Not yet ratedFreeFree Trial · Subscriptionteams of all sizes
Cheddar UpStreamline payments and boost sales with ease.8.6★★★★☆ 4.4FreeFreemium · Subscriptionteams of all sizes
InstamojoSecure and seamless online payments made easy.8.6★★★☆☆ 2.6(14)FreeFreemium · Subscription · Quotation Basedteams of all sizes

8.1

SpotScore

BizPayO - Payment Gateway Software

BizPayO

Streamline your payments and increase sales.

Best for: SMB teams · Mid-market

Start Free Trial

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What is BizPayO?

BizPayO is an online payment processing solution for e-commerce merchants that need a secure way to accept credit card transactions through a customizable API or software integration. It focuses on reliability for website-based transaction flows, though integration may require developer ...

Read more about BizPayO
Free TrialTry Free →

7.9

SpotScore

PayorCRM

PayorCRM

Streamlining customer relations and invoicing for your business.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

Add to compare

What is PayorCRM?

Payor CRM is a state of the art software that helps you in managing your customer relations, billing and invoicing with ease. The app is very simple to use and can be easily accessed through your smartphone and computer. The Invoice management feature of the software has features like emailing ...

Read more about PayorCRM
Free TrialTry Free →

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8.6

SpotScore

Cheddar Up - Payment Gateway Software

Cheddar Up

Streamline payments and boost sales with ease.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

4.4

Add to compare

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 ...

Read more about Cheddar Up

Starts from $10/Month, also offers free forever plan

8.6

SpotScore

Instamojo - Payment Gateway Software

Instamojo

Secure and seamless online payments made easy.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

2.6

14 verified reviews

Add to compare

What is Instamojo?

Instamojo is a payment gateway for Indian small businesses and solopreneurs that need to accept credit cards, debit cards, and UPI payments online with minimal setup. The platform charges 2% plus Rs 3 per transaction, but prospective users should evaluate its customer support track record — ...

Read more about Instamojo

Instamojo offers custom pricing plan

What each Zoho Checkout alternative is best known for

BizPayO8.1Best for small & mid-size businesses

Secure payment processing

Watch for: Limited international support

PayorCRM7.9Best for teams of all sizes

Comprehensive CRM features

Watch for: Steeper learning curve

Cheddar Up8.6Best for teams of all sizes

No chargebacks or monthly fees

Watch for: Limited customer support options

Instamojo8.6Best for teams of all sizes

Quick response time from the team, enabling fast payment collections and payouts within 72 hours.

Watch for: Unresponsive customer support team with lengthy wait times and lack of proper assistance.

Why teams look for a Zoho Checkout alternative

The decision to move off Zoho Checkout usually rests on a few known weak spots:

  • Limited customization options
  • Basic analytics features
  • Not suitable for large enterprises

How to find the right Zoho Checkout replacement

Here's how the 4 free alternatives compare at a factual level: 4 offer a free tier; paid plans run $19, with BizPayO the cheapest entry point; and Instamojo is the highest rated at 2.6★ across 14 reviews.

How each tool earns its spot.

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 Zoho Checkout are Cheddar Up (4.4★), Instamojo (2.6★), BizPayO. Compare all 4 alternatives side-by-side above.

When evaluating alternatives to Zoho Checkout, prioritize: Invoice Payment, Recurring Billing, Website Payments, Saved Cards, Gift Card Management, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Zoho Checkout starts from $9 /Month. Many alternatives offer similar functionality at different price points — some with free tiers, others with more flexible per-seat pricing. Use the filters above to narrow by budget.

Migration difficulty depends on how deeply Zoho Checkout is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend shortlisting 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

How to choose the right Zoho Checkout alternative for you

  • On a budget / just exploring: start with a free tier — BizPayO, PayorCRM and Cheddar Up let you evaluate without paying upfront.
  • If real-user ratings matter most: Instamojo has the strongest star rating (2.6★) among the options with verified reviews.
  • Want the safest pick: BizPayO has the highest Spotsaas Score (8.1) in this list — a strong default if you're unsure.

Moving off Zoho Checkout

Before retiring Zoho Checkout, take the cautious route. Export your data, make sure the new tool accepts it, and confirm the workflows you rely on transfer. Pilot on a free tier or trial, then go all in, leaving Zoho Checkout active until migration finishes.

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