Best Free Payment Gateways of 2026 - Reviews & Comparison

NMI Payments

NMI

NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently.

109 Ratings

View Software

Visit Website

Skrill

With Skrill you have an online wallet. You can pay online, send money, have a Skrill card, and a loyalty programme. Skrill has been helping to make it, send it and spend it for millions of customers since 2001. So wherever you are and whatever you want to do with your money, just skrill it.

13 Ratings

View Software

PayPal

9 million merchants rely on PayPal to build, run, and grow their business. Get the tools, products, financing, and support you need to help establish or grow your business – from processing payments and building a website to shipping and marketing. We even give you access to business loans* that can provide merchant funding to help you start and drive future growth. Get paid online or in-person. Whether you need online invoicing, a customized checkout for your website, or a card reader for processing on-the-go transactions, we have a solution for your business. Choose from a selection of products and services designed to simplify your day-to-day operations, like tools for tracking payments, printing shipping labels, and so much more. Explore merchant lending options that can provide you with fast access to the money your business needs now, plus a way to offer your customers financing that lets them pay over time, while you get paid upfront.

21 Ratings

Starting Price: Free

View Software

Exact Payments

Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.

8 Ratings

Starting Price: Free

View Software

Zoho Invoice

Zoho

Zoho Invoice is a 100% free cloud-based invoicing solution designed to help small businesses with invoicing, tracking expenses, and accepting online payments. Key features include project billing, time tracking, reporting, customizable templates, and a client portaI. Teams using Zoho Invoice can track estimates, convert them to invoices, and send reminders to clients to complete their outstanding payments. Additionally, users can create tasks, collect advance payments for projects, and keep track of their invoice history.

4 Ratings

Starting Price: $0

View Software

PayTraQer

SaasAnt Inc

PayTraQer is a powerful automation application that syncs your sales, fees, refunds, and discounts from popular e-commerce platforms such as Amazon, Shopify, eBay, BigCommerce, WooCommerce, eBay, Walmart, Squarespace, and Ecwid and reconciles them in QuickBooks and Xero. PayTraQer also syncs online payments, fees, and other transactions from Paypal, Stripe, Square, Amazon Pay, Clover, Pin Payments, Authorize.Net, and Braintree to QuickBooks, and Xero. PayTraQer automates bookkeeping and streamlines your accounting process to integrate e-commerce and payment gateway effortlessly with QuickBooks or Xero for real-time, accurate synchronization. Say goodbye to manual data entry and hello to efficiency. Features: Automated Data Extraction Robust Integration Multi-Channel Support Intuitive User Experience Customization Options Manage Multiple Currencies Real-time Insights Hassle-free Tax Compliance

11 Ratings

Starting Price: $9/month/user

View Software

Sila

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

2 Ratings

View Software

Razorpay

Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.

2 Ratings

View Software

Zoho Checkout

Zoho

Zoho Checkout makes online payment collection easier. Zoho Checkout provides businesses the ability to receive one-time and recurring online payments with no fuss and no hassle. Businesses simply have to create their own payment page without writing code; Customize the page for a more personalized brand experience; and finally collect payments. Payment pages created from Zoho Checkout is designed to fit every screen and device.

1 Rating

Starting Price: $9.00/month

View Software

RiskPay

RiskPay is a payment gateway built specifically for high-risk businesses, offering instant approvals, anonymous onboarding, and fast USDC payouts. Merchants can easily apply without KYC, integrate the platform with WooCommerce or custom APIs, and start accepting credit cards, digital wallets, and bank transfers immediately. The solution provides one-click high-converting payment gateways, real-time payout tracking, and seamless global payment acceptance. RiskPay also offers instant USDC (Polygon) transfers with no delays or hidden fees, giving merchants immediate access to their funds. High-risk companies benefit from fraud protection, PCI DSS compliance, reliable payouts, and dedicated support. Overall, RiskPay simplifies payment processing for industries underserved by traditional payment processors.

1 Rating

Starting Price: $0

View Software

OxaPay

OxaPay is a crypto payment gateway that makes it easy to accept crypto for webmasters, merchants, and telegram channels and makes it useful for all. The fee structure of OxaPay is fixed at a rate of 0.4% transaction fee for numerous transactions which is among the lowest fees on the market. To set up an OxaPay account and start using crypto in your business, just need an Email. Sign up in a few seconds and choose desired integration (Payment link, donation feature, Telegram channel gateway, or merchant web service) and now enjoy getting profit. Businesses can use the below features as free in OxaPay and expand their projects by using crypto.

1 Rating

View Software

Computop Paygate

Computop

Computop offers its customers around the world local and innovative omnichannel solutions for payment processing and fraud prevention, for e-commerce and POS. With the Computop Paygate payment platform, retailers, service providers and industrial enterprises have the flexibility to choose from over 350 payment methods. Computop, a global player with locations in Germany, England and the USA, has been servicing large international companies for more than 25 years, including global brands such as C&A, Fossil, Otto Group, Sixt, Swarovski and Wargaming. Computop carbon-neutrally processes transactions with a combined value of USD 33 billion in 127 currencies.

Starting Price: $29 per month

View Software

Instamojo

Collect payments, create free online stores, ship products, get loans and more to power your business. Collect payments online, create your free online store, buy domains, mailboxes, and more with Instamojo products, built to get you started. Manage online payments, orders, inventory, customer data, and more, from a single dashboard. Track payments, shipments, and leads, on mobile and desktop. Get cash flow loans, access growth and marketing tools, use several free online business solutions, to grow your revenue and customer base. Get add-on, exclusive features on the Instamojo Android app to power your business! Access your Instamojo links quickly for faster sharing. Share and schedule shipments & payments from the app. Enable faster payouts and check eligibility for small loans. Free ledger tool to keep track of payables & receivables. PCI-DSS certified payments, SSL certified websites and more to keep your business 100% safe.

Starting Price: $40 per year

View Software

PaymentSpring

The all-in-one, developer-driven payment gateway Our powerful payment processing gateway is designed for software platforms, businesses and nonprofits who want a solution as simple as it is secure. Are you ready to accept more? Whether you’re a large platform providing solutions for your customers or a small merchant working for yourself, integrating with PaymentSpring is easy. Ready to give your users a better payment experience? Create what you want the way you want. Our speedy ‘n’ easy checkout button lets you add payments to your site in minutes with no coding required—all it takes is a copy/paste.

View Software

MONEI

Microapps sl

MONEI makes everything easy MONEI is a payment gateway that allows you to accept payments either online and offline. MONEI can be integrated directly into your website or online store with just one simple line of code (or not even that). MONEI protects you against fraud, can issue refunds and helps your business succeed. It’s the simplest and cheapest way to start making money on your site. Moving money with ease Move your money online transparently and securely — no paperwork or compliance when accepting payments to start a business. Integrating MONEI as your payment gateway will help you boost your conversion rates. Our features and capabilities are hard to beat. Insanely Simple We designed MONEI in a way that anyone can use it. Today you, tomorrow your six years old child on their way to conquer the business world. Few clicks here and there, and that's all there is to it.

Starting Price: $0

View Software

PayKun

Minimum technical knowledge requirement with our ready integration kits. Our innovative payment solution offers the lowest per successful transaction rate in the market. We provide free payment link generate option with 120+ payment options. Share payment links with your customers directly and start collecting online payments, Grow your business online.Create your payment link, set purpose and send a payment request to your customer and get paid easily. Don’t have a website or App for collecting payments? Don’t worry, get paid online via payment links. Provide your customers quick checkout options,share payment links over social media platforms like WhatsApp, Facebook, Instagram etc. Need help at any stage? Reach our support team via emails, calls, or chats; always happy to assist!

Starting Price: 1.75 % fee

View Software

Tazapay

Expand globally with Tazapay, your cross-border payment gateway. Simplify international transactions without local entities. Simplify with Tazapay, a unified platform for efficient worldwide payment collection. Your money is securely held until the shipment is completed and you get your money back if the shipment is delayed. Your money is released in full as soon as you ship the goods. Buyer cannot withhold or deny your payment if you meet your obligations. As a trusted third party, Tazapay holds the buyer’s funds until the vendor delivers the service. Tazapay releases the funds to the vendor upon verification of the proof of service delivery. All escrow funds are segregated and safeguarded with leading banks, under the jurisdiction of the mas. We take on the compliance and regulatory overhead so you don’t have to. Milestones for payment release can be customized to suit your business needs. Operational capability to do KYC, KYB, and verification of shipment documents.

Starting Price: $2 per month

View Software

CARDZ3N

CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different. We offer a wide range of services and solutions that help organizations achieve their vision, facilitate change, and maximize performance and productivity.

View Software

NETePay Hosted

Datacap Systems

NETePay Hosted is a comprehensive payments platform that consolidates payments and tokens across brick-and-mortar, eCommerce, mobile and unattended environments, all managed via Datacap’s portal. Datacap supports virtually every payment processor in North America. Dozens of plug-and-play EMV-ready devices from leading OEM providers. Datacap’s omnichannel payments solutions combine in-store, unattended, mobile, and eCommerce to create a unified, consistent payment experience across all channels. Purchase, configure and maintain Datacap products 24/7 via Datacap's product portal. Real-time reporting is available 24/7 for Datacap partners and their merchants. Remotely configure settings, pad flows, key injection, and more. Processor-proprietary Encryption methods ensure that card data is encrypted at the sale and decrypted at the NETePay Hosted without additional hops. Reduce card-present fraud with contact and contactless EMV (chip card) certifications for fixed, and mobile devices.

Starting Price: Free

View Software

Aevi

Our platform lets payments and data flow across all channels and consumer touchpoints. Customizable to your precise requirements, the platform connects the in-person world with digital channels, orchestrates checkout flows, and sets transaction data free. It’s a flexible solution stack that gives you the infrastructure needed to build a scalable payments world. An open, cloud-based gateway that works with any payment type, anywhere in the world. From cards to phones to crypto, and everything in between. Leveraging our open APIs, we securely integrate your existing or new systems and connect them to a terminal management system (TMS). Our consolidated solution uses the ISO 20022 open standard, making end-to-end payments Nexo-certifiable, where applicable. Combines a device-agnostic payment app with enhanced payment gateway functionality, consolidating all payment solutions into one. The module also comes with a fully functional plug-and-play payment app for use on smart POS devices.

Starting Price: Free

View Software

Hips

HIPS Payment Group

Hips is a complete omnichannel payment gateway and platform for businesses, ISV's and ISO's that want to offer their customers payment terminals or online payment services. Programmatically create merchant accounts or manage terminals via our REST API. Focus on customers and sales — not payment infrastructure, acquiring, issuing, licensing, PCI certification, hardware or software. Scale your POS or payment business with a single global payment platform in 70+ countries and 60+ payment methods online, mobile or in-store. We design custom pricing and tailored payment services (gateway, acquiring or issuing) that work for you and your business model. You set the price to your merchants and keep full ownership of your customers and offers. Programmatically create merchant accounts or manage terminals. Our SDKs make it easy to integrate Hips into your own mobile and web applications for mobile, unattended, online or in-store payments.

Starting Price: €3.90 per device per month

View Software

Payflow Payment Gateway

PayPal

A payment gateway links your website to your processing network and merchant account. Like most gateway services, Payflow Payment Gateway handles all major credit and debit cards. What makes our gateway different is the low rates and incremental sales boost from offering PayPal and PayPal Credit* payment options on your site. No cancellation fees, monthly minimums or other hidden fees. Take advantage of some of the lowest rates available today. Payflow costs just $0.10 per transaction. Payflow is integrated with major shopping carts and works with almost every processor. Plus, if you sell overseas, you can accept PayPal payments in 25 currencies in 202 countries around the globe. Our PCI-compliant solution simplifies the work and cost of meeting regulatory requirements. And you can stay on top of every dollar with our online account management dashboard, PayPal Manager.

Starting Price: $25 per month

View Software

eMerchantGateway

Built on one of the largest payment gateway platforms in the world, eMerchantGateway is a trusted solution for accepting payments online, over the phone, or by mail. Secure, fast, and reliable, eMerchantGateway offers a variety of payment gateway features for processing and managing card-not-present payments. Full PCI-DSS compliance payment security. A convenient management console accessed through a web browser or an app. A virtual terminal function for orders by phone or mail. The ability to create invoices or web forms for online payment. Recurring billing options are customizable by the customer. 18 fraud modules with a variety of settings to suit your exact business needs. Detailed reporting to manage transactions by the minute. Batch and real-time payment processing options with mobile connections. Industry-specific software in a range of categories; examples include furniture, restaurants, and non-profits.

Starting Price: Free

View Software

Eway

We provide everything you need to start taking payments for your business. With out-of-the-box payment solutions to suit almost every industry or business, we work hard to ensure your payments just work! We also understand that payments can be complicated, that’s why our dedicated local team of experts is here to help you every step of the way. Our flat rates and simple pricing structure are clear and come with no hidden surprises. Complemented with fast settlement, we are there to support your growth. We provide your customers with peace of mind while transacting with you, with PCI DSS level 1 card data protection and fraud protection tools to screen incoming transactions. We give you practical support that helps you grow. From setup to support, our local team is here to assist you throughout the entire payment process, including 24-hour emergency technical support. Whether you’re a start-up or enterprise company, we offer a payment solution to meet your business needs.

Starting Price: $20 per month

View Software

OKTO Payments

We power digital payments for every online and retail environment globally. OKTO’s platform enables you to deploy new digital payment solutions quickly, easily, and at scale. We support merchants and individuals across multiple countries and cultures to benefit from responsible and real-time money transactions. We act locally but think globally. Our dedicated local teams lead in their regions, leveraging their experience to meet the needs of users. We’re using regional and regulatory expertise to solve longstanding market complexities. We offer solutions that are tailored to our partners’ needs, supporting the ways their customers expect to pay and making their experience faster, more responsible, and enjoyable. Compliant with all payments and any other associated authorities, OKTO incorporates a powerful API to manage all KYC, AML, and fraud queries. We adhere to the strategic needs of operators to remain socially responsible.

Starting Price: Free

View Software

PayDollar

Streamline the payment process and daily operations, lower IT and operational expenses, minimize losses from fraud, and increase cash flow. Accept 150+ payment methods on one single platform, connect to 100+ Asian bank acquirers, and enjoy flexible settlement in 11 countries. Protect your business from fraud by detecting and responding to potential threats without affecting real-time transactions. Enable seamless integration and streamline payments across online, mobile, retail, chatbot, social commerce platforms, and the metaverse. Use AppPay for in-person transactions. Benefit from a comprehensive API and SDK for flexible payment interfaces. Offer comprehensive support for third-party partner booking platform plugins across various industries. Access all your sales data from multiple channels in one merchant dashboard. With cross-channel insights and multi-level user administration, you can gain a comprehensive view of your business.

Starting Price: Free

View Software

AsiaPay

AsiaPay supports merchants to accept digital payments by credit/debit cards, bank accounts/net banking, digital wallets, buy now pay later, over-the-counter, and more in one single platform. AsiaPay is a leading digital payment service, solution, and technology provider in APAC. We provide a comprehensive array of secured, advanced, and integrated payment processing solutions to banks, payment service providers, and merchants. We have partnerships with international card associations, banks, and payment companies all over the world. Country operations and payment processing. Anti-fraud tools, mobile-ready, real-time consolidated reports, big data. Multi-lingual, multi-currencies, multi-channels, multi-cards, and multi-acquirers. High service uptime of 99.9%+ and high performance. Local account and risk operation support as well as 24/7 technical support in 17 operational offices in the Asia Pacific.

Starting Price: Free

View Software

NETS

NETS for Business offers a comprehensive suite of payment and merchant services to help Singapore businesses accept both in-store and online payments efficiently. Its in-store solutions include wired and wireless POS terminals supporting NETS debit/ATM card, QR payments, contactless cards, and overseas wallet/foreign card acceptance. Payments are settled by the next working day, and merchants have access to transaction reporting and settlement via an online Merchant Portal. For online businesses, products include eNETS Gateway (handling direct debit and all major credit cards), NETS Click, NETS QR Online, and SoftPOS. There are also self-service and motoring solutions, unified POS systems, vending solutions, solutions for F&B self-service, car park payment integrations, SGQR label support, and digital receipt management. The NETSBiz mobile app lets merchants get payment notifications and manage terminals; merchant guides and developer APIs are provided.

Starting Price: Free

View Software

WePay

We provide payments infrastructure for independent software vendors (ISVs) and software platforms to ensure small businesses get paid quickly and easily. We deliver payments you can bank on. Our APIs make flexible, integrated payments possible via referral, white label or payment facilitator models, so our customers can focus on their core strategy. WePay’s corporate values are core to who we are and how we operate. We endeavor to live up to them every day in our interactions with each other and with our customers and partners. Seamlessly integrate payments into your application; we’ll support you from behind-the-scenes. Leverage the Chase brand & network to maximize adoption of digital payments.

View Software

PayXpert

THE PERFECT FORMULA TO INCREASE YOUR SALES Our Payment Gateway together with our Central Panel and our Connect2pay payment page solution are the result of years of experience in the payment industry. We constantly revamp them as our innovative experts come up with new ideas and our clients’ needs grow. With PayXpert, you will benefit from an innovative payment technology. We help you to improve your conversion rate while keeping you safe. Use the advanced payment technological tools that PayXpert team has developed. In accordance with local payments habits, one of the main key to be successful in company internationalization is to have the right payment method to get high volume of sales. With PayXpert, you can go international with local payment methods. Our payment solutions enable our clients to open business worldwide. PayXpert is connected with a large network of acquirers and also with many Alternative Payment Solutions around Europe, Morocco and Asia. & more

View Software

Best Free Payment Gateways

Compare the Top Free Payment Gateways as of February 2026

What are Free Payment Gateways?

NMI Payments

Skrill

PayPal

Exact Payments

Zoho Invoice

PayTraQer

Sila

Razorpay

Zoho Checkout

RiskPay

OxaPay

Computop Paygate

Instamojo

PaymentSpring

MONEI

PayKun

Tazapay

CARDZ3N

NETePay Hosted

Aevi

Hips

Payflow Payment Gateway

eMerchantGateway

Eway

OKTO Payments

PayDollar

AsiaPay

NETS

WePay

PayXpert

Best Free Payment Gateways

Compare the Top Free Payment Gateways as of February 2026

What are Free Payment Gateways?

NMI Payments

Skrill

PayPal

Exact Payments

Zoho Invoice

PayTraQer

Sila

Razorpay

Zoho Checkout

RiskPay

OxaPay

Computop Paygate

Instamojo

PaymentSpring

MONEI

PayKun

Tazapay

CARDZ3N

NETePay Hosted

Aevi

Hips

Payflow Payment Gateway

eMerchantGateway

Eway

OKTO Payments

PayDollar

AsiaPay

NETS

WePay

PayXpert

Related Categories