Top 10 Four Alternatives 2026
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Main Features
- Credit Card Processing
- Online Payments
- Payment Gateway
- Payment Processing
Pricing
Four offers custom pricing plan
Four is a Payment Processing Software platform with a user rating of 4.6★ based on 5 reviews. Teams looking for alternatives typically need better pricing flexibility, easier deployment, or a closer feature fit for their specific use case. Below you'll find 10 vetted Payment Processing Software alternatives ranked by user rating, with filters to narrow by pricing, platform, and features — so you can find the right fit for 2026.
Four vs Top Alternatives at a Glance
Side-by-side comparison of pricing, user rating, and free trial availability to help you decide faster.
| Tool | Best For | Pricing | Rating | Free Option |
|---|---|---|---|---|
| Four Current | Payment Processing Software | Custom pricing | 4.6 ★ | ✗ No |
 MagicPay | Payment Processing Software | Custom pricing | 5.0 ★ | ✗ No |
 Payfirma | Payment Processing Software | Custom pricing | 4.8 ★ | ✗ No |
 DusuPay | Payment Processing Software | Custom pricing | 2.5 ★ | ✗ No |
 Credit Key | Payment Processing Software | Custom pricing | 4.6 ★ | ✗ No |
 Blackthorn Payments | Payment Processing Software | $575 | 4.8 ★ | ✗ No |
Showing 1-10 out of 10
List of the Top Four alternatives as of September 2026
Compare business software, products, and services to find the best solution for your business or organization. Use the filters on the left to drill down by category, pricing, features, market segment, user ratings, and more.
MagicPay
Unlock the power of seamless payments and increase sales.
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What is MagicPay?
A complete online payment processing and marketing platform, MagicPay is everything you need to start and run a successful business immediately. Our secure, robust payment gateway technology enables merchants to set up online shop fronts and accept all major credit cards, cryptocurrencies and ...
Read moreCommon Features
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Payment Processing
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Payments
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Online Payments
+ 3 more
Unique Features
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PCI Compliance
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Point of Sale (POS)
Pricing
MagicPay offers custom pricing plan
Payfirma
Secure, Seamless Payments for Every Business.
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What is Payfirma?
Payfirma's payment processing software empowers businesses of all sizes to accept payments quickly, securely and cost-effectively from anyone, anywhere. Payfirma allows you to make your business available 24/7, from virtually anywhere in the world.It is a payment processing solutions provider, ...
Read moreCommon Features
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Payment Processing
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Payments
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Credit Card Processing
+ 2 more
Unique Features
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Mobile Payments
Pricing
Payfirma offers custom pricing plan
Spotsaas Buyer Intelligence
Own the software buyers are comparing here? See who's weighing you against rivals — and who's comparing your competitors while you're not in the running.
DusuPay
Secure online payment processing for businesses worldwide.
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What is DusuPay?
Dusupay.com is a payment processing software system that lets users process credit card transactions. The system is easy to use, secure, transaction-based pricing and online entity establishment for merchants. It payment processing software also comes with card verification options which allow ...
Read moreCommon Features
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Payment Processing
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Payments
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Online Payments
+ 2 more
Unique Features
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Fraud Prevention
Pricing
DusuPay offers custom pricing plan
Credit Key
Accelerate B2B payments with Credit Key.
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What is Credit Key?
Credit Key enables businesses to integrate payments convenience and speed of B2C transactions into their own B2B checkout process. This innovative product is patent-protected and streamlines the order fulfillment process by allowing shoppers to complete their payment quickly in the moment. ...
Read moreCommon Features
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Payment Processing
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Payments
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Online Payments
+ 1 more
Unique Features
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Third-party Integration
Pricing
Credit Key offers custom pricing plan
Blackthorn Payments
Streamline your payments with ease.
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What is Blackthorn Payments?
Blackthorn Payments is a truly versatile, easy to use payment processing software with an intuitive interface that makes your life easier. Whether you are just starting out, or have been involved with the industry for a long time, Blackthorn has everything you need to make the process of ...
Read moreCommon Features
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Payment Processing
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Payments
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Credit Card Processing
+ 2 more
Unique Features
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Electronic Payments
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PCI Compliance
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Recurring (Subscription Billing)
Pricing
Starts from $575/Month
Afterpay
Split your payments, expand your possibilities.
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What is Afterpay?
Afterpay enables customers to acquire what they need and want, while simultaneously building strong financial wellbeing and managing their expenses, by splitting the payments up over four installments, for online and in-store purchases. This innovative solution is dedicated to granting our ...
Read moreCommon Features
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Payment Processing
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Payments
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Online Payments
+ 2 more
Unique Features
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E-commerce Integrations
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Point of Sale (POS)
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Mobile Payments
Pricing
Afterpay offers custom pricing plan
Pin Payments
Streamlining payments with top-notch security.
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What is Pin Payments?
Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible platform that can operate with minimal staff overhead and provide the maximum security with rigorous PCI ...
Read moreCommon Features
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Payment Processing
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Credit Card Processing
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Online Payments
+ 2 more
Unique Features
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PCI Compliance
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API Integration
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Customizable Branding
Pricing
Pin Payments offers custom pricing plan
WePay
Streamline your payments with WePay.
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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 moreCommon Features
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Payment Processing
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Credit Card Processing
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Online Payments
+ 2 more
Unique Features
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API Integration
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Fraud Detection
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PCI Compliance
Chargezoom
Effortless payment processing for your business.
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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 moreCommon Features
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Payment Processing
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Payments
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Online Payments
+ 2 more
Unique Features
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Mobile Payments
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Point of Sale (POS)
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Accounting Integration
Pricing
Starts from $20/Month, also offers free forever plan
Omise
Accelerate your online payments with Omise.
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What is Omise?
Omise is a payment gateway platform built for e-commerce businesses and payment service providers in Southeast Asia — primarily Thailand, Japan, and Singapore — that need scalable, PCI-compliant payment infrastructure. It handles card processing, real-time fraud detection, and multi-currency ...
Read moreCommon Features
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Payment Gateway
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Payment Processing
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Credit Card Processing
+ 2 more
Unique Features
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Fraud Detection
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PCI Compliance
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API Integration
Pricing
Omise offers custom pricing plan
Which Four Alternative Is Right for You?
- If you need a free or low-cost option: Chargezoom — offers a free plan or trial suitable for small teams.
- If user satisfaction is your top priority: MagicPay — holds the highest user rating (5.0★) among Four alternatives.
- If you want a mid-range option: Afterpay — sits in the middle of the list by rating and may fit teams with mixed requirements.
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 Four for Payment Processing Software are MagicPay (5.0★), Chargezoom (5.0★), Omise (5.0★). Compare all 10 alternatives side-by-side above.
When evaluating alternatives to Four, prioritize: Payment Processing, Payments, Online Payments, eCommerce, Payment Gateway, transparent pricing, free trial availability, and integrations with tools you already use. Use the filters above to compare by feature, budget, and team size.
For small businesses, the best Payment Processing Software tools are Flatpay, Nickel, PayTabs. Look for affordable per-seat pricing, quick setup (under 1 day), no long-term contracts, and strong onboarding support to reduce time-to-value.
Migration difficulty depends on how deeply Four 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.
Four has a rating of 4.6. 8 alternatives — including MagicPay and Payfirma — rate higher. The right choice depends on your workflow, team size, and budget.
About the reviewer
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].