Best Payment Processing Software with a Free Trial
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Compare the Top Payment Processing Software with a Free Trial as of November 2025
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What is Payment Processing Software with a Free Trial?
Payment processing software is software used to facilitate payments made to and from businesses. It can process these transactions quickly and securely, allowing merchants to run their operations smoothly. The software is often integrated with point-of-sale systems or accounting programs, allowing for seamless tracking of all financial information. Users can easily manage payment gateways, report on transactions, and reconcile accounts with detailed analytics tools. Compare and read user reviews of the best Payment Processing software with a Free Trial currently available using the table below. This list is updated regularly.
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1
FreshBooks
FreshBooks
FreshBooks makes getting paid speedy and straightforward. Offer credit cards payrments, Apple Pay, and bank transfers to your clients and get paid twice as fast. Plus, save time with automatic payment recording and invoice matching. Try it Free or save 70% on FreshBooks Now.Starting Price: $6.30/month -
2
BILL
BILL
BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.Starting Price: $45 per user per month -
3
FlexPay
FlexPay
FlexPay is the leading failed payment recovery solution for businesses with a subscription or recurring billing payment model. FlexPay’s innovative platform uses multiple technologies to achieve the highest number of retained customers, resulting in reduced involuntary churn, longer life span after recovery, and higher revenue. Leading brands like LegalZoom, Hooked on Phonics, and ClinicSense trust FlexPay to recover failed payments, reduce churn, and increase customer lifetime value. FlexPay’s AI-driven INVISIBLE RECOVERY™ technology works directly with the payments system to quickly resolve failed payments without customer involvement. When customer help is needed, ENGAGED RECOVERY™ maintains a positive customer experience. FlexPay integrates with 100+ billing and payment processing systems including Stripe, ARIA, Recurly, and Chargebee, meaning quick set-up, no disruptions to billing, and instant recovery improvements compared to traditional in-house recovery methods. -
4
Convesio
Convesio
Convesio is a next-generation hosting and payment platform built to help commerce businesses grow faster, smarter, and more securely. Designed for WordPress and WooCommerce, Convesio combines high-performance hosting with an integrated payment ecosystem — ConvesioPay — that streamlines how merchants accept, process, and manage transactions online. With ConvesioPay, businesses get access to fast, secure payment processing that’s deeply connected to their hosting environment. This means lower latency, fewer plugin conflicts, and real-time visibility into revenue performance — all from a single dashboard. Combined with Convesio’s scalable container-based hosting, built-in caching, and advanced uptime management, the result is an optimized foundation for conversion, reliability, and growth. From startups to enterprise-level ecommerce operations, Convesio empowers merchants to focus on selling — not managing servers or chasing integrations.Starting Price: $50 per month -
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Square Payments
Block
Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on. -
6
Toast POS
Toast, Inc.
Toast POS is a flexible system built exclusively for restaurants and the food service industry. Offering tools like online ordering, delivery, takeout, mobile app ordering, contactless payments, and e-gift card purchasing, this solution is designed to help restaurant operators adapt fast and take control of changing industry trends and guest expectations. As a safe and secure cloud-based platform, Toast POS includes new feature updates while allowing users to access restaurant data from anywhere, on any mobile device. Its powerful reporting and analytics suite allows restaurant management to identify opportunities for saving on costs, highlight best-selling menu items, and much more.Starting Price: $0.00/month -
7
Birdeye
Birdeye
irdeye is the #1 AI platform for Hyperlocal Marketing®, purpose-built for multi-location brands. Over 150,000 businesses rely on Birdeye’s intelligent AI agents to run marketing and drive business outcomes. Birdeye helps multi-location brands enhance online reputation, engage customers across social, search, and web, and gain real-time insights into consumers and competitors — all to boost leads & increase foot traffic, reduce costs, and grow revenue. Founded in 2012 and headquartered in Palo Alto, Birdeye is led by a team of innovators from Google, Amazon, Salesforce, and Yahoo and is backed by the who’s who of Silicon Valley, including Salesforce founder Marc Benioff, Yahoo co-founder Jerry Yang, Trinity Ventures, World Innovation Lab, and Accel-KKR.Starting Price: $250/month -
8
Podium
Podium
Podium is a comprehensive AI-driven lead management and communication platform utilized by over 100,000 businesses seeking to enhance customer acquisition and retention. At the heart of Podium’s innovation is its AI employee, which ensures businesses respond to incoming leads instantly around the clock, dramatically improving conversion rates and revenue growth. The platform assists businesses in generating more customer reviews, improving their Google rankings, and unifying their lead channels into a single, manageable dashboard. Through the web and mobile applications, businesses can call and text customers, send payment links for quick transactions, and deploy bulk messaging campaigns to boost repeat sales. Podium’s powerful AI-driven automations seamlessly manage customer interactions across multiple communication platforms, providing accurate and timely responses that help drive sales.Starting Price: $399 per month -
9
RetailEdge
High Meadow Business Solutions
RetailEdge is an easy to use and feature-rich point of sale (POS) and inventory management software solution for retail businesses. RetailEdge offers multi-location support, credit card processing, website integration, mobile POS, and gift card management capabilities within a suite. The solution supports secure and mobile payments like EMV and Apple Pay and integrates with multiple e-commerce platforms for efficient order processing and price updates. RetailEdge was developed in June of 1989 to provide a powerful, flexible, full-featured POS software and hardware solution at a reasonable price that is easy to install, use, and configure, but also affordable to maintain and run. We strongly believe that a good POS solution, in addition to providing great features for a low price, must be supported well. So we have developed a strong support system that provides a backbone of local resellers and quick access to US-based Tier 3 (highest) level support.Starting Price: $495.00/one-time -
10
Melio
Melio
Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.Starting Price: Free -
11
Fraud.net
Fraud.net, Inc.
Fraudnet's AI-driven platform empowers enterprises to prevent threats, streamline compliance, and manage risk in real-time. Our sophisticated machine learning models continuously learn from billions of transactions to identify anomalies and predict fraud attacks. Our unified solutions: comprehensive screening for smoother onboarding & improved compliance, continuous monitoring to proactively identify new threats, & precision fraud detection across channels and payment types. With dozens of data integrations and advanced analytics, you'll dramatically reduce false positives while gaining unmatched visibility. And, with no-code/low-code integration, our solution scales effortlessly as you grow. The results speak volumes: Leading payments companies, financial institutions, innovative fintechs, and commerce brands trust us worldwide—and they're seeing dramatic results: 80% reduction in fraud losses and 97% fewer false positives. Request your demo today and discover Fraudnet. -
12
The Card Association
The Card Association
Unlock effortless payment processing solutions with The Card Association. Our comprehensive array of setup options ensures seamless transactions for your business needs. Whether you require traditional card reader payments, convenient mobile payment capabilities, robust e-commerce solutions, or fully integrated POS (point of sale) applications, we have you covered. With our user-friendly interface and versatile platform, you can easily navigate through various payment methods to cater to your diverse clientele. Our team is dedicated to providing you with top-notch support and guidance every step of the way, ensuring a smooth transition and optimal performance. Experience the convenience and efficiency of modern payment processing with The Card Association. Join countless satisfied merchants who have streamlined their transactions and elevated their business operations. Discover why businesses trust us for secure, reliable, and customizable payment solutions. -
13
HelmBot
HelmBot
Appointment scheduling, point-of-sale, staff management, marketing automation, and a whole lot more. HelmBot makes it easy for business owners to stay on top of all the complicated parts of their business in one place. HelmBot is designed to save you time and bring in extra appointments, every single day.Starting Price: $95 per month -
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Synder
Synder
One of the best accounting software for small businesses, Synder is the right solution for those who seek high-quality service, 24/7 support, and advanced automated features. After you connect all of your sales channels and payment platforms, you will be provided with automatic bookkeeping, which guarantees precise and error-free synchronization of your transaction data, categorization, and live data reconciliation within a single interface. Synder makes accurate records of your payment data without duplicates. Detailed and 100% correct Profit and Loss Reports contain additional helpful information to analyze your business’ cash flow and budget planning. The software runs smoothly and automatically, and there is no need to log in to get it done. Synder lets you apply sales taxes, taxes based on location, shipping address, product name, etc. Recurring invoices remind customers of regular payments. Synder offers a free trial and a demo to learn more about this breakthrough software.Starting Price: $39.99 per month -
15
Blockonomics
Blockonomics
Blockonomics enables online stores to accept bitcoin payments on their website. The payments go directly to your BTC wallet making it completely decentralized. There is no KYC involved and no limitation on the BTC amount that can be received. The entire setup takes less than 5 minutes and you get a beautiful checkout experience with the payment screen that integrates with your website's theme, additionally, there are no redirects to an external page to complete the checkout. Plugins are available for all major website builders and payment API for custom websites. Blockonomics also offer payment buttons that can be embedded on any custom website and payment links that are easily shared online. Additional services include bitcoin invoices and block explorer. There are a variety of tutorials available to get you started plus a 24 X 7 live support. Blockonomics charges a nominal fee of 1% for all transactions with the first 20 transactions free. Download the free plugin now.Starting Price: 20 Free Transactions + 1% Fee -
16
HoneyBook
HoneyBook
HoneyBook helps creative entrepreneurs and freelancers book more clients, manage projects and get paid all in one place. With their business management software, you can automate your busy work and stay on top of all your to-dos, saving time and money so you can grow your business. Its like your own personal assistant. This all-in-one management platform streamlines business processes, from first inquiry to final payment, so business owners can spend less time on administrative work and more time focusing on what got them passionate about their business in the first place. With their proposals, invoices, contracts, payments, and scheduling at your fingertips, HoneyBook gives you everything you need to give clients an unforgettable experience.Starting Price: $19 monthly ($16 annually) -
17
Exact Payments
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.Starting Price: Free -
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Boss Insights
Boss Insights
Boss Insights’ platform digitizes lending to grow relationships between banks and their business clients. Thanks to Amazon style advancement, there is a growing divide between lenders’ service and businesses’ expectations. Banks excel in regulation, however, operate with limited information on their business clients (out of date and gathered manually). Boss Insights’ API hub empowers lenders to bridge the divide. APIs are the most efficient way to digitize existing processes enabling accelerated service and a complete view in real time. The platform is used to accelerate SBA, SMB and Commercial Lending from months to minutes. It also supports cross-selling products empowering banks and credit unions to proactively serve customers. -
19
Square Card Reader
Block
Square’s free credit card reader works with the free Square Point of Sale app to let everyone accept payments on their smartphone or tablet. Sign up for Square and we’ll drop your free card reader in the mail—no commitments or long-term contracts. Pay 2.6% + 10¢ per swipe for Visa, Mastercard, Discover, and American Express. Get your money as fast as the next business day. With two versions of Square Reader for magstripe—one for a headset jack, the other a Lightning connector—you’re covered. Just pick the credit card reader that works for you. Take payments at the counter or on the go, remotely through invoices, or by manually entering card numbers. Square Point of Sale is a free, easy-to-use app that gives you everything you need to manage your business. Credit card information is encrypted at the moment of swipe. Square doesn’t store card data on your device after a payment has been processed. -
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Quadient AP Automation by Beanworks
Quadient
Quadient AP Automation by Beanworks empowers accounting teams by automating the entire accounts payable workflow, from purchase to payments. We receive and code your invoices, route them for approval, and sync them into your accounting software. Once invoices have been approved, they automatically match to payments, helping eliminate the risk of duplicates and ensuring your vendors get paid on time. By combining AP data, invoice images and reporting, you gain better visibility into outstanding liabilities across all of your legal entities or locations. Quadient AP Automation by Beanworks helps accounting teams: -Increase control over AP -Improve visibility across payables -Eliminate paper & filing cabinets -Improve accountability & easily find invoices -Access and approve invoices from any device Quadient AP Automation by Beanworks integrates with industry-leading accounting software including QuickBooks, Intacct, Sage 100, Sage 300, Sage 50 Canada & US, NetSuite & more -
21
Floral Frog
Floral Frog
Floral Frog is a comprehensive, yet easy to use florist management system with EPOS designed for managing the business side of floristry. It relieves the burden of managing paperwork commonly seen in flower shops and saves hours of administration. No more order pads - you can manage orders centrally and find them with a few clicks including their payment and delivery status. Do you have a website? We support a number of website integrations, so why not manage all of your orders with ease in one place (check our website for integrations). Spending too much time working out delivery routes? Our software works out the most optimal route for you with just a few clicks. Losing track of money owed? Our invoicing and payments module keeps track of outstanding payments and can automatically invoice your account customers. No more spreadsheets - all sales and expenses are automatically accounted for in the software and you can easily export to CSV or PDF.Starting Price: $60.00/month -
22
Chargebee
Chargebee
Chargebee is a recurring billing and subscription management tool that helps SaaS and SaaS-like businesses streamline Revenue Operations. Chargebee integrates with the leading payment gateways like Stripe, Braintree, PayPal etc. around the world to let you automate recurring payment collection along with invoicing, taxes, accounting, email notifications, SaaS Metrics and customer management. Chargebee handles all your crucial workflows from lead to ledger with power-packed integrations that include Salesforce, Xero, Quickbooks, Avalara, Slack, among others. Deflect cancellations at scale straight from Chargebee with a best-of-breed solution, Chargebee Retention, that provides personalized experiences that get results. Run experiments based on customer and subscription attributes taken straight from Chargebee to ensure you provide a personalized and relevant cancel experience.Starting Price: $299/month -
23
Payrexx
Payrexx
Customers select the desired products, place them in the shopping cart, fill out the predefined form fields with their contact details and proceed to pay - all on one page. Design of every payment tool is fully customizable with corporate logo, colors and fonts, whether it is a Virtual POS, Paylink or One Page Shop. Payrexx payment tools such as One Page Shop, Paylink and Virtual POS automatically adapt to the user's device. Shopping and payment experience will always be convenient for your customers. Use Facebook pixel to track customers on your Payrexx tools. You only need to copy and paste a small amount of code. Create discount coupons with a fixed amount or on percentage basis. During the checkout, your customers can then easily enter the code to apply the discount. Send paylinks to your customers by email either automatically or manually. Decide when you would like to remind your customers to purchase your products or services.Starting Price: $9 per user per month -
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Cutting Edge Payment Processing Gateway with Enterprise Features and Real-Time Metrics
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25
BlueSnap
BlueSnap
BlueSnap's All-in-One Accounts Receivable Automation solution, formerly Armatic, is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: BlueSnap provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: BlueSnap is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery.Starting Price: $35/user/month -
26
TalentDesk.io
TalentDesk.io
TalentDesk.io provides end-to-end software to hire, manage and pay your contractors and freelancers seamlessly. Wherever they are. Key benefits: - Make multi-currency payments to your contractors and freelancers with just one click and receive one consolidated invoice. - Source the best contractors and freelancers directly from our platform and invite them to join your team in minutes - Streamline your onboarding process and store all important documents in one location. No paperwork, no spreadsheets, no mess. - Keep track of your most important projects through our platform. Track budgets, spot inefficiencies, allocate tasks and make work happen. - Integrate the apps you’re already using so whatever your workflow, it’ll be smooth sailing with TalentDesk. Borderless work shouldn’t be complicated. Let us guide you through this new adventure.Starting Price: Free contractor onboarding -
27
8am LawPay
8am
For more than a decade, 8am™ LawPay’s online payment technology has been trusted to help law firms get paid easier, more securely, and 39% faster. More importantly, LawPay ensures your firm accepts payments in compliance with ABA and IOLTA guidelines. LawPay's easy-to-use online payment technology was developed just for lawyers. No debits are allowed from your IOLTA, at any time for any reason, guaranteed. Simply put, no online payment processor has more experience helping lawyers than LawPay. With ClientCredit, you can offer your clients one of the fastest-growing payment options on the market today, allowing them to adopt automatic payment plans while you get paid 100% of the invoiced amount upfront. With Card Vault from LawPay, you can securely store your clients’ preferred payment methods and easily make charges to your trust or operating account without adding to your PCI requirements.Starting Price: $20 per month -
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ALFAcoins
ALFAcoins
ALFAcoins is a secure payment processor and crypto payment gateway for merchants who aim to accept cryptocurrencies. It easily integrates into your website or existing payment flow, with an API, widgets, and e-commerce plugins. • Comprehensive Cryptoprocessing for your Store: Send and receive the most popular cryptocurrencies. • 5 Minute Integration: Drag'n'drop our widget or plug into our feature-rich API. • Accounting Tooling: Export transaction data into your favorite services. • 24/7 SupportStarting Price: 0.99% Fee -
29
SportsPlus
Thapos Inc
Modern and feature-rich sports management software platform for clubs, leagues, governing bodies, tournament operators, sports facility managers, teams, coaches, officials, players, and parents. Mobile-friendly and secure all-in-one sports platform to manage registrations, payments, scheduling, teams, leagues, tournaments, facilities, communication, fundraising, members, website, and mobile app. A complete solution to run all types of tournaments. Allows efficient scheduling of sports facilities and online facility booking. Run membership programs and take care of members. In-built team app, including mobile app for all organization teams to manage team communication, live chat, scheduling, roster, player availability, volunteers, and pictures. Integrated player portal to manage player performance, profile, and family members. All-in-one sports platform for both organizers and participants.Starting Price: $49 per month -
30
SpotOn
SpotOn
SpotOn is one of the most comprehensive, integrated POS systems on the market. From cloud-based POS to commission-free online ordering and reservations to labor management software, it offers everything the modern restaurateur needs -- with none of the headaches that you get with other big POS companies, like long-term contracts, surprise fees and rate hikes, and impersonal service. SpotOn excels in serving full-service restaurants, bars, and nightlife venues by providing a single, integrated system to run their business. Designed with speed in mind, the SpotOn Restaurant point-of-sale includes easy-to-read table layouts, the ability to quickly add items to an order, and make menu changes on the fly. The platform includes email marketing, review management, and the industry’s best reporting and analytics - all in a single, integrated dashboard that’s available anywhere your business takes you.Starting Price: $0/month