Best Credit Card Processing Software

Compare the Top Credit Card Processing Software as of March 2026

What is Credit Card Processing Software?

Mobile credit card processing software allows businesses to accept and process credit card payments through their mobile devices. Compare and read user reviews of the best Credit Card Processing software currently available using the table below. This list is updated regularly.

  • 1
    Toast POS

    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
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  • 2
    Clearly Payments

    Clearly Payments

    Clearly Payments

    Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.com
    Starting Price: $10.00/month
  • 3
    Computop Paygate
    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
  • 4
    Paytia

    Paytia

    Paytia

    Take secure & compliant payments over the phone and get real-time authorisation. With Paytia your customers use their keypad to communicate card data securely. They're protected, trust in your business is increased — plus it's no longer exposed to fines and charges for breaking payment-security rules. Paytia’s PCI-DSS certified phone-payment solutions give your customers the same protection they expect which shopping in-store or online, which means you no longer need to hear or store their card data.
    Starting Price: From $11.10
  • 5
    Winston POS

    Winston POS

    Winston POS

    Winston POS is a versatile restaurant point-of-sale system designed to work seamlessly across all common devices and operating systems, including Apple, Android, and Microsoft. Built specifically for the hospitality industry, it offers easy integration with existing tools like accounting software, reservation systems, and staff scheduling. Restaurants can continue using their current hardware or choose new devices without added costs, providing flexibility and convenience. Winston POS includes features such as kitchen display screens to improve communication between front-of-house and kitchen staff. The system supports reservations, payments, loyalty programs, self-ordering, and home delivery, enabling a tailored guest experience. Backed by a responsive support team, Winston POS ensures smooth onboarding and ongoing assistance.
    Starting Price: $29/month
  • 6
    Curbstone

    Curbstone

    Curbstone Corporation

    Credit Card, ACH, and IVR Payment SaaS for Your IBM i, iSeries, and AS/400. Ensure a simple, stress-free implementation using native RPG APIs for the IBM i, iSeries, and AS/400. Eliminate manual data entry, achieve real-time authorizations, and perform background and recurring charges using cards on file. Take your entire existing infrastructure out of scope for PCI, helping you spend less time on compliance reporting and audits. Reduce your risk – and protect your data – by eliminating sensitive data on your systems with remote payment tokenization. Control your costs with a flat-fee pricing structure. We’ll show you easy ways to improve transaction quality, reduce unnecessary downgrade fees, and secure the best possible credit card processing rates.
    Starting Price: $17,000
  • 7
    Tazapay

    Tazapay

    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
  • 8
    OrangePay

    OrangePay

    OrangePay Merchant Services

    OrangePay is based in New York, the heart of the economic world, and is one of USA’s fastest growing merchant services providers. We are constantly evolving, with our pulse constantly on the ever changing processing industry. With thousands of merchants choosing OrangePay as their provider of choice, our team is committed to providing you with solutions that ensure your business success. OrangePay provides state of the art processing solutions and services for all types of businesses, from small boutique stores, to large chain stores, from Shopify processing to full e-commerce solutions, restaurants, clothing stores, NPOs. You name it, we process it. No business is too small or too large for us!
  • 9
    PayXpress

    PayXpress

    PayXpert

    PayXpress mPOS. Multicurrency & Multi-brand QR reader supporting WeChat Pay, Alipay NFC & Camera Card Scanner SMS / eMail Confirmation of payment Off-line Mode via telecom (IVR) Multi Bank and Multi Merchant Account. Give customers the experience they want Access a flexible set of personalization options in your stores and make international shoppers feel at home. Offer payment methods customers know and trust. Customers can pay anywhere in their language and currency, even if they are blind or handicapped, Use the latest technology and innovations to enhance in-store experiences; Allow customers to pay the way they want now and in the future; Enhance your business operations using our industry-focused features. Provide a unified commerce (omnichannel) experience. Access a superb dashboard with a single data view of your payments to create a consistent experience across all sales channels and devices. You’ll improve the entire customer journey however shoppers are paying.
  • 10
    Cheddar Up

    Cheddar Up

    Cheddar Up

    No matter the size of your group or organization, Cheddar Up lets you collect money and forms online. Collecting money online has never been easier. Simply create a page, add items or form fields, and share the link. Payments start coming in. We track everything for you and you can conveniently withdraw to your bank account for free. Every day groups find and use Cheddar Up in new and creative ways to collect money from their community. Membership fees, HOA dues, tuition, spirit wear, troop dues, group gifts, after-school programs, events, fundraisers, and beyond. Wow your community with a seamless, beautiful paying experience, no app or account necessary. Professional-looking payments out of the box or customize the look for your group, easily. Accept in-person payments with ease. Whether online or in-person, our mobile apps and Bluetooth card readers let you keep all your payments within Cheddar Up.
    Starting Price: $10 per month
  • 11
    CDGcommerce

    CDGcommerce

    CDGcommerce

    CDGcommerce provides professional merchant services with a focus on always putting our merchant’s best interests first. We provide solutions that reduce the risk, lower the cost and simplify the process of accepting payments on your website, in-store or on the go. With CDG, you are a name – not just a number. We value each and every merchant relationship regardless of whether you are a brand new startup or process millions of dollars. You’ll get to know our dedicated staff on a first name basis and they will get to know you and your business. If you are accepting credit cards via website or virtual terminal, CDG offers a free gateway that will fit your needs and remove a layer of unnecessary fees. If you operate from a brick and mortar location, we can offer a free terminal placement program that will future proof your equipment. We believe transparency, control, security and helpful team members are crucial to keeping you focused on what you do best - growing your business!
  • 12
    Host Merchant Services

    Host Merchant Services

    Host Merchant Services

    We provide merchant services payment systems for all businesses. Get a credit card processing system customized for mobile payments, point of sale, e-commerce credit card processing, EMV terminals, and more. We will greatly reduce your merchant services fees while substantially improving the customer service you receive. Our excellent customer service and low rates retain customers, not termination fees. Experience the freedom of locked-in credit card processing rates that won't increase over time. Qualify for a free EMV-compliant mobile swiper or terminal with a merchant account. You’ve created an app but need to integrate payment processing. You’ve come to the right place! We offer custom direct integrations with an easy-to-use API and a broad range of terminal solutions.
  • 13
    Red Maple

    Red Maple

    Red Maple Technologies

    Red Maple™ Advanced Credit Card solutions for MS Dynamics, AX 2009/2012 provides comprehensive credit card processing functionality to companies around the world.
  • 14
    Dynamic Merchant Solutions

    Dynamic Merchant Solutions

    Dynamic Merchant Solutions

    Dynamic Merchant Solutions is the leading merchant services processing company in Los Angeles, offering tailored payment solutions to businesses of all sizes across diverse industries. As one of the premier merchant service processing companies in Los Angeles, we pride ourselves on our unwavering commitment to integrity and reliability. Our team delivers transparent and professional services, ensuring that every promise made is a promise kept. With our comprehensive suite of merchant services in Los Angeles, CA, including EMV solutions, gift card programs, advanced POS systems, and mobile processing, we streamline your payment processes and enhance customer satisfaction.
  • 15
    Payclair

    Payclair

    Payclair

    Payclair is an easy and affordable payment solution for businesses of all sizes. Simple, low-cost credit & debit processing with or without a POS system. Processing designed for restaurants, with or without a POS system. Use our existing integrations, or build your own with our powerful payment gateway. Accept payments from anywhere, with or without an internet connection. Give us a call, or click the button below and one of our experts will help you find the perfect solution to fit your business’s needs. Payclair offers streamlined, intuitive payment options for your customers, backed by our suite of tools to help businesses of any size. Automatically send your financial data from Payclair's processing solutions to QuickBooks Online. With access to a growing database of transactions, Insights distills big data into actionable insights about your customers and local competitors.
    Starting Price: $25 per month
  • 16
    Sameless Chex

    Sameless Chex

    Sameless Chex

    Seamless Chex is a comprehensive payment processing platform designed to enable businesses to accept and verify checks, ACH payments, and credit cards online or in person. It offers instant setup and approval for all legal U.S. businesses, facilitating fast next-day funding. With Seamless Chex, customers can make payments online or over the phone, eliminating the need for physical checks and reducing processing time. It supports multiple payment methods, including eCheck processing, ACH processing, and credit card processing, all within a single interface. Seamless Chex provides tools such as virtual terminals, hosted payment pages, bulk upload via CSV, and API integrations to accommodate various business needs. Advanced verification tools validate customer funds and account validity in real-time, helping to prevent check fraud and reduce the risk of non-sufficient funds fees.
  • 17
    Valmar Merchant Services

    Valmar Merchant Services

    Valmar Merchant Services

    Valmar Merchant Services offers full-service payment processing solutions covering ACH, debit/credit card processing, push-to-card/instant funding, and eCheck/Check 21 functionality. Its infrastructure is built on direct banking relationships, enabling low overhead, API access to major gateways, and support for “high-risk” industries like CBD, hemp, debt collection, and online lending. They emphasize transparent pricing with no hidden fees, no setup charges, no long-term contracts, and no cancellation penalties. It also provides real-time reporting, fraud detection and mitigation tools, chargeback management, and redundancy across banking partners to minimize downtime. Each merchant is assigned a dedicated client success manager to guide onboarding and ongoing operations, and the system is designed for smooth integration and minimal disruption during setup.
  • 18
    Merchant Industry

    Merchant Industry

    Merchant Industry

    Merchant Industry is a nationwide card-processing and payments solutions provider offering an all-in-one platform for businesses of all sizes. It provides traditional card-processing services, dual-pricing, surcharging models, high-risk processing, equipment financing, and a wide array of hardware and software products, including terminals, POS systems, mobile devices, a payment-gateway API, embedded payments, and virtual-terminal capabilities. It also supports a partnership network of ISOs, agents, ISVs, and developers via a dedicated portal, CRM access, and referral-program channels. Merchant Industry emphasizes personalized support, dedicated account managers, marketing resources, and timely residual payments, and claims to handle high volumes of transaction processing annually. It aims to give merchants flexibility in payment acceptance, integrate with both in-store and online commerce, and offer financing and equipment options to reduce upfront costs.
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