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 October 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 — 5★
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 moreWhat reviewers like about MagicPay
- Supports multiple payment methods
- User-friendly interface
- Quick setup process
Where MagicPay falls short
- Limited customer support hours
- Higher fees for certain transactions
- May lack advanced features
Common Features
-
Payment Processing
-
Payments
-
Online Payments
+ 3 more
Unique Features
-
PCI Compliance
-
Point of Sale (POS)
Pricing
MagicPay offers custom pricing plan
Payfirma — 4.75★
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 moreWhat reviewers like about Payfirma
- Global payment acceptance
- 24/7 availability
- Cost-effective solutions
Where Payfirma falls short
- Complex pricing structure
- Limited integration options
- Customer support can be slow
Common Features
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Payment Processing
-
Payments
-
Credit Card Processing
+ 2 more
Unique Features
-
Mobile Payments
Pricing
Payfirma offers custom pricing plan
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DusuPay — 2.48★
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 moreWhat reviewers like about DusuPay
- Easy to use
- Secure transactions
- Card verification options
Where DusuPay falls short
- Limited features for large businesses
- May not support all currencies
- Less known in the market
Common Features
-
Payment Processing
-
Payments
-
Online Payments
+ 2 more
Unique Features
-
Fraud Prevention
Pricing
DusuPay offers custom pricing plan
Credit Key — 4.63★
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 moreWhat reviewers like about Credit Key
- Easy and quick approval process.
- Provides affordable monthly payment options.
- Great customer service with quick responses.
Where Credit Key falls short
- Unclear policies and sudden changes in credit limits.
- Slow system response post payments, affecting user experience.
- Communication gaps between businesses, retailers, and Credit Key.
Common Features
-
Payment Processing
-
Payments
-
Online Payments
+ 1 more
Unique Features
-
Third-party Integration
Pricing
Credit Key offers custom pricing plan
Blackthorn Payments — from $575 · 4.78★
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 moreWhat reviewers like about Blackthorn Payments
- Versatile payment processing
- Intuitive user interface
- Easy credit card acceptance
Where Blackthorn Payments falls short
- Limited advanced features
- May not support all payment methods
- Less known in the market
Common Features
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Payment Processing
-
Payments
-
Credit Card Processing
+ 2 more
Unique Features
-
Electronic Payments
-
PCI Compliance
-
Recurring (Subscription Billing)
Pricing
Starts from $575/Month
Afterpay — 4.72★
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 moreWhat reviewers like about Afterpay
- Convenient payment plans allowing users to spread out payments and manage finances effectively.
- Easy integration and user-friendly interface make it accessible for users and businesses alike.
- Popular and trusted by customers, enhancing sales opportunities and customer satisfaction.
Where Afterpay falls short
- Limited availability on websites and lack of extended payment plans restrict usage.
- Challenges with customer service responsiveness and resolutions, impacting user experience.
- Return and refund processes can be cumbersome, causing delays and inconvenience for users.
Common Features
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Payment Processing
-
Payments
-
Online Payments
+ 2 more
Unique Features
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E-commerce Integrations
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Point of Sale (POS)
-
Mobile Payments
Pricing
Afterpay offers custom pricing plan
Pin Payments — 4.65★
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 moreWhat reviewers like about Pin Payments
- Feature-rich platform
- Highly secure processing
- Easy installation
Where Pin Payments falls short
- Complex setup for some users
- Limited customer support
- Fees can be high for small transactions
Common Features
-
Payment Processing
-
Credit Card Processing
-
Online Payments
+ 2 more
Unique Features
-
PCI Compliance
-
API Integration
-
Customizable Branding
Pricing
Pin Payments offers custom pricing plan
WePay — 4.47★
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 moreWhat reviewers like about WePay
- Multi-country payment processing
- Integrates with various platforms
- Supports online and offline payments
Where WePay falls short
- Limited customer support options
- Fees can add up for small transactions
- Complex setup for some integrations
Common Features
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Payment Processing
-
Credit Card Processing
-
Online Payments
+ 2 more
Unique Features
-
API Integration
-
Fraud Detection
-
PCI Compliance
Chargezoom — from $20 · 5★
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 moreWhat reviewers like about Chargezoom
- Easy credit card acceptance
- Secure payment processing
- Mobile app available
Where Chargezoom falls short
- Limited international support
- Fees can be high
- Requires integration with existing systems
Common Features
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Payment Processing
-
Payments
-
Online Payments
+ 2 more
Unique Features
-
Mobile Payments
-
Point of Sale (POS)
-
Accounting Integration
Pricing
Starts from $20/Month, also offers free forever plan
Omise — 5★
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 moreWhat reviewers like about Omise
- High availability and scalability
- Strong security features
- Modern server platform
Where Omise falls short
- Complex setup process
- May require technical expertise
- Limited customer support options
Common Features
-
Payment Gateway
-
Payment Processing
-
Credit Card Processing
+ 2 more
Unique Features
-
Fraud Detection
-
PCI Compliance
-
API Integration
Pricing
Omise offers custom pricing plan
Four vs its closest competitors
Four competes with 10 other payment processing software tools tracked on Spotsaas. The closest by feature overlap are MagicPay, Payfirma and DusuPay. Each is compared against Four on rating, pricing and feature coverage below.
What else works like Four?
Searches for "sites like Four" and "apps like Four" land on the same set of options as "Four alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.
What earned each Four alternative its spot
Supports multiple payment methods
Watch for: Limited customer support hours
Easy and quick approval process.
Watch for: Unclear policies and sudden changes in credit limits.
Versatile payment processing
Watch for: Limited advanced features
Convenient payment plans allowing users to spread out payments and manage finances effectively.
Watch for: Limited availability on websites and lack of extended payment plans restrict usage.
Feature-rich platform
Watch for: Complex setup for some users
Multi-country payment processing
Watch for: Limited customer support options
Easy credit card acceptance
Watch for: Limited international support
Why teams look for a Four alternative
There are a few common reasons buyers start shopping for a Four alternative:
- Limited to online retailers
- Fees may apply
- Not suitable for all industries
Key things to look for in a Four alternative
Side by side, the 10 alternatives break down like this: 1 offers a free tier; and MagicPay is the highest rated at 5★ across 3 reviews.
How we rank, in short.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
