Programvare for betalingsbehandling lar deg ta imot betalinger, bekjempe svindel og tilby en smidig og rask betaling – samtidig som du reduserer gebyrer, tilbakeføringer og manuelt arbeid.
Det rette verktøyet integreres enkelt med teknologistakken din, automatiserer ting som refusjoner og abonnementer og beskytter kontantstrømmen din uten ekstra bryderi.
Med over ti års erfaring fra detaljhandel og netthandel vet jeg at friksjon i betalingsprosessen koster salg. I denne artikkelen hjelper jeg deg med å finne programvare for betalingsbehandling som gjør det enkelt å selge og få betalt.
Why Trust Our Software Recommendations
6,700+
Reviews
20
Industry experts
16+
Evaluation factors
14
Years
Our team has been testing and reviewing software since 2012. As retail leaders ourselves, we know how difficult—and important—it is to choose the right software.
For this guide, we evaluated tools using hands-on testing and independent research, scoring tools using our selection criteria.
Our reviews reflect our independent judgment—not a sales pitch.
Sammenligningstabell for programvare for betalingsbehandling i netthandel
Denne sammenligningstabellen oppsummerer prisdetaljene for mine beste utvalg av programvare for betalingsbehandling i netthandel.
| Tool | Best For | Trial Info | Price | ||
|---|---|---|---|---|---|
| 1 | Best for automated bill coding | 21-day free trial available | From $99/month | Website | |
| 2 | Best for flexible payment acceptance | Free plan available; 30-day free trial on paid tiers | From $49/month | Website | |
| 3 | Best for high-volume transactions | 3-month free trial | From $79/month | Website | |
| 4 | Best for reducing late payments | Free quote available | Pricing upon request | Website | |
| 5 | Best for automated compliance | From $29/month | Website | ||
| 6 | Best for omnichannel transactions | 3-day free trial | From $89/month | Website | |
| 7 | Best for tailored payment solutions | Free plan available | From $50/hour | Website | |
| 8 | Best for fast invoice payments | Free plan + 30-day free trial available | From $38/month | Website | |
| 9 | Best for easy ecommerce setup | Free demo available | From Interchange + 0.40% + 8¢ (varies by volume) | Website | |
| 10 | Best for customizable POS systems | 90-day free trial | From $16/month | Website |
Den beste programvaren for betalingsbehandling i netthandel, vurdert
Her er delen du har ventet på. Nedenfor finner du korte vurderinger av hvert selskap innen betalingsbehandling, med fokus på hvorfor vi valgte det, de viktigste funksjonene, integrasjonene og skjermbilder av verktøyene i bruk.
Best for automated bill coding- 21-day free trial available
- From $99/month
Visit WebsiteCustomer Rating:4.9/5
MakersHub’s intuitive dashboard streamlines the entire accounts payable process from bill capture to payment. If you're searching for a way to simplify and enhance your payment processing, MakersHub might be the solution for you. Tailored for industries like construction, manufacturing, and industrial contracting, it eliminates manual data entry and offers real-time invoice visibility.
By integrating with accounting software such as QuickBooks, MakersHub automates accounts payable tasks, reducing processing time and enhancing accuracy and control.
Why I Picked MakersHub
I picked MakersHub for its ability to automate and simplify payment processing, which is crucial for businesses aiming to improve their financial operations. Its customizable authorization flows ensure that payments are approved according to your specific criteria, like vendor or amount, enhancing control over spending.
The real-time payment status tracking feature provides you and your vendors with immediate updates, reducing the uncertainty around payment timelines. Additionally, its integration with QuickBooks simplifies reconciliation by automatically creating accounting records that align with your bank statements, saving you time and reducing errors.
MakersHub Key Features
In addition to the features I highlighted earlier, MakersHub offers several other functionalities that can enhance your payment processing experience.
- Vendor Management: Streamline your vendor interactions by centralizing contact information and transaction history in one accessible location.
- Automated Invoice Matching: Automatically match invoices with purchase orders and delivery receipts to ensure consistency and accuracy in your records.
- Custom Reporting: Generate reports tailored to your specific needs, providing insights into spending patterns and financial performance.
- Mobile Access: Manage your payment processing tasks on-the-go with a user-friendly mobile interface, ensuring you stay connected and in control wherever you are.
MakersHub Integrations
Integrations include Sage Intacct and QuickBooks.
Pros and Cons
Pros:
- Offers customizable approval workflows to fit business needs.
- Automates accounts payable processes, reducing manual workload.
- Users report significant time savings, typically 38 hours monthly.
Cons:
- Potential learning curve for those unfamiliar with automation tools.
- Limited native integrations beyond QuickBooks and Sage Intacct.
Learn more about MakersHub:
Best for flexible payment acceptance- Free plan available; 30-day free trial on paid tiers
- From $49/month
Visit WebsiteCustomer Rating:4.7/5
Square offers an easy checkout interface that looks both simplistic and professional at the same time. For businesses seeking a versatile solution to manage transactions, Square offers a comprehensive payment processing tool. Whether you're running a cozy café or a bustling retail chain, Square provides user-friendly hardware and software that cater to various industries, including retail, food and beverage, and services.
It empowers you to accept payments online, in-store, or on-the-go, while also providing essential tools for order management and inventory tracking, enhancing your cash flow and customer loyalty.
Why I Picked Square
I picked Square because it excels at providing versatile payment processing solutions that cater to both online and in-person transactions. With features like offline payment processing and fast fund transfers, your business can continue to operate smoothly even without internet access and gain quick access to sales revenue.
I appreciate Square's built-in security features, including fraud protection and PCI compliance, which ensure that transactions are safe and secure. Additionally, Square's comprehensive range of hardware options, from handheld devices to kiosks, enhances the checkout experience, making it a top choice for businesses looking to streamline their payment processes.
Square Key Features
In addition to its versatile payment solutions, Square offers several other features that can enhance your business operations:
- Virtual Terminal: This feature allows you to accept payments from your computer, making it convenient for phone orders or remote billing.
- Customer Directory: With this feature, you can store and manage customer information, helping you build relationships and tailor marketing efforts.
- Digital Receipts: Automatically send digital receipts to your customers via email or SMS, providing a seamless and eco-friendly way to confirm transactions.
- Customizable Point of Sale (POS) System: Tailor the POS interface to fit your specific business needs, whether you run a restaurant, retail shop, or service-based business.
Square Integrations
Integrations include QuickBooks, Xero, WooCommerce, Wix, BigCommerce, Mailchimp, Google Calendar, Acuity Scheduling, IFTTT, and Zapier. Square also offers an API for custom integrations.
Pros and Cons
Pros:
- Offers a range of hardware options to suit different transaction needs.
- Comprehensive reporting tools help track sales and growth efficiently.
- Versatile features cater to various business types, like retail and food services.
Cons:
- Occasional technical issues can disrupt payment processing.
- Some users experience delays in fund transfers, affecting cash flow.
Payment Depot stands out as a compelling option for ecommerce businesses looking for a reliable payment gateway provider. For businesses seeking a payment processing solution that aligns with their financial strategies, Payment Depot offers a compelling option. This software is particularly advantageous for small to mid-sized businesses with substantial transaction volumes, providing transparent and predictable pricing through its membership model.
By eliminating hidden fees and offering a straightforward onboarding process, it addresses common frustrations associated with traditional processing services, enabling businesses to focus on growth rather than administrative burdens.
Why I Picked Payment Depot
I picked Payment Depot for its unique approach to payment processing that aligns well with high-volume transaction businesses. One standout feature is its transparent membership-based pricing model, which eliminates hidden fees and offers businesses predictable monthly costs. This approach, combined with the interchange-plus pricing, allows you to access true wholesale rates, making it a cost-effective choice for your business.
Additionally, the integration with third-party POS systems and the availability of a virtual terminal for phone payments enhance its functionality, ensuring you have a versatile and reliable payment processing solution.
Payment Depot Key Features
In addition to its transparent pricing model, Payment Depot offers several features that cater to diverse business needs.
- Variety of Payment Options: The platform supports multiple payment methods, including credit cards and mobile payments, catering to diverse customer preferences.
- Virtual Terminal and POS Tools: Payment Depot provides a virtual terminal for phone payments and partners with third-party POS systems like Clover and Vital Select for comprehensive sales management.
- Mobile Payment Options: Through the SwipeSimple app, you can enable mobile payments and manage products on the go.
- Dedicated Customer Support: Each user benefits from a dedicated account representative, along with 24/7 phone support, ensuring assistance is readily available whenever needed.
Payment Depot Integrations
Native integrations are not currently listed by Payment Depot.
Pros and Cons
Pros:
- Provides dedicated account representatives for personalized support.
- Includes a free virtual terminal for phone payments.
- Transparent fee structure eliminates hidden charges.
Cons:
- Unexpected fees have been reported by some users.
- Limited to US-based merchants, excluding international businesses.
Learn more about Payment Depot:
4Best for reducing late paymentsStax
- Free quote available
- Pricing upon request
Visit WebsiteCustomer Rating:4.2/5
View all transactions, recurring bills, and more on desktop and mobile devices. For businesses seeking to simplify their payment processes, Stax Pay offers a tailored solution to enhance efficiency and profitability.
Designed to cater to businesses of all sizes, from small enterprises to expansive software platforms, Stax Pay simplifies payment processing with a focus on transparent pricing and dedicated support. By leveraging this tool, you can save valuable time, reduce the occurrence of payment failures, and ultimately improve your bottom line.
Why I Picked Stax Pay
I picked Stax Pay because it excels in providing an all-in-one platform that simplifies payment processes for businesses. With its seamless integration of various payment methods, including mobile and online payments, Stax Pay ensures flexibility and convenience for your customers.
Additionally, its transparent pricing model and real-time data analytics offer you the insights needed to optimize financial management and decision-making. By focusing on these features, Stax Pay addresses common challenges businesses face in payment processing, making it an ideal choice for enhancing operational efficiency.
Stax Pay Key Features
In addition to the features that initially caught my attention, Stax Pay offers several other key functionalities that enhance its value as a payment processing solution.
- Digital Invoicing: You can utilize SMS/Text2Pay options and set up recurring billing, making it easier to manage subscriptions and payment reminders.
- Centralized Dashboard: This feature allows you to track sales, manage customer data, and generate real-time reports, providing a comprehensive view of your business operations.
- Hardware Compatibility: Stax Pay works seamlessly with various third-party devices, allowing you to reprogram existing equipment and avoid additional hardware costs.
- Security Compliance: As a PCI Level 1 Service Provider, Stax Pay ensures that your transactions meet high data security standards, giving you peace of mind in safeguarding customer information.
Stax Pay Integrations
Native integrations are not currently listed by Stax Pay.
Pros and Cons
Pros:
- Reprogramming equipment feature lets you use existing payment devices at no cost.
- Next-day funding ensures quick transaction funding, with same-day options available.
- Diverse payment options support in-store, ecommerce, and mobile payments.
Cons:
- Same-day funding incurs additional costs, which may not suit all businesses.
- Complex fee structure makes it challenging for users to fully understand and compare.
Learn more about Stax:
Process customer transactions efficiently at no cost. For businesses looking to manage payment processing, CardX by Stax offers a compelling solution that helps you retain the full value of your credit card sales while managing transaction costs.
This platform is ideal for industries where surcharging compliance is essential, ensuring automated adherence to all relevant regulations. By offering customers the choice between credit transactions with a surcharge and no-fee debit options, CardX by Stax supports a transparent and customer-friendly payment experience.
Why I Picked CardX by Stax
I picked CardX by Stax because it excels in surcharging compliance, enabling you to eliminate credit card processing fees, thereby keeping the full value of your sales. The platform's zero-cost credit transaction feature ensures that you only pay for debit transactions, offering a cost-effective solution for your business.
With automated adherence to all relevant regulations, CardX by Stax reduces the compliance burden on your team. Additionally, it allows your customers to choose no-fee debit options, enhancing their payment experience.
CardX by Stax Key Features
In addition to the surcharging and compliance features, there are several other aspects of CardX by Stax that make it an excellent choice for payment processing.
- Payment Flexibility: The platform supports various payment methods, including online, keyed, and swiped transactions, all with PCI Level 1 compliance, ensuring secure and versatile payment options.
- Transparent Pricing: CardX by Stax clearly communicates fees to customers at the time of purchase, providing options for fee-free payment methods which enhance customer trust and satisfaction.
- Advanced Integrations: Seamless connections with e-commerce platforms and POS systems allow you to integrate the payment solution effortlessly into your existing infrastructure.
- Dedicated Support: With a commitment to customer satisfaction, CardX by Stax offers expert guidance and support to ensure smooth operations and address any challenges you may encounter.
CardX by Stax Integrations
Native integrations are not currently listed by CardX by Stax.
Pros and Cons
Pros:
- Significant savings on merchant fees for high-volume businesses.
- User-friendly online software with extensive reporting features.
- Supports multiple payment methods, including mobile.
Cons:
- Occasional disconnect between account management and support teams.
- Limited point-of-sale (POS) capabilities compared to competitors.
Learn more about CardX by Stax:
Shopify POS flexibility and efficiency make it an invaluable tool for businesses looking to expand their sales channels with minimal hassle. For those seeking a payment processing solution that integrates both online and in-store transactions, Shopify POS stands out as a compelling choice. This tool is particularly appealing to retail businesses of all sizes, offering the convenience of accepting diverse payment methods such as tap, chip, and swipe.
With its transparent pricing and features like flexible payment options and real-time financial reporting, Shopify POS addresses the need for streamlined payment processes while enhancing overall sales management.
Why I Picked Shopify POS
I picked Shopify POS because it excels in providing a unified payment processing experience, allowing you to manage both in-store and online sales seamlessly. With its diverse payment acceptance capabilities, including tap, chip, swipe, and contactless digital wallets, your transactions become faster and more flexible.
Additionally, the real-time financial monitoring feature ensures you can track transactions and payouts instantly, aiding in efficient cash flow management. These features, along with transparent pricing and comprehensive reporting, make Shopify POS an ideal choice for businesses looking to enhance their payment processing operations.
Shopify POS Key Features
In addition to its payment processing capabilities, Shopify POS offers several other features that can enhance your business operations:
- Inventory Management: Keep track of your stock levels in real-time, ensuring you never run out of your best-selling items.
- Customer Profiles: Build a comprehensive database of your customers, allowing you to personalize marketing efforts and improve customer service.
- Multichannel Selling: Seamlessly sell products across various platforms, including your online store, social media, and physical locations, without missing a beat.
- Customizable Receipts: Offer personalized receipts that can include your branding, promotional messages, or return policies, providing a cohesive customer experience.
Shopify POS Integrations
Integrations include QuickBooks, Xero, Mailchimp, Google Sheets, HubSpot, Facebook, Instagram, Pinterest, Amazon, and eBay.
Pros and Cons
Pros:
- Offers a unified platform for online and in-store sales.
- Supports diverse payment methods, including tap, chip, and swipe.
- Seamless integration with Shopify's ecommerce platform enhances inventory management.
Cons:
- Some advanced features may initially be confusing to use.
- Limited scalability might restrict growing brands.
Learn more about Shopify POS:
Best for tailored payment solutions- Free plan available
- From $50/hour
Visit WebsiteCustomer Rating:4.8/5
Swipesum offers consultative services and a back-end-agnostic platform that gives you access to top payment processors. For businesses dealing with the complexities of payment processing, Swipesum provides a customized solution that aligns with your specific needs in ecommerce, retail, and B2B sectors.
By honing in on optimizing payment systems, Swipesum assists in enhancing efficiency and boosting customer satisfaction. Their proprietary software audits merchant services to help you avoid unnecessary fees, making Swipesum a dependable partner in simplifying payment processes and reducing costs.
Why I Picked Swipesum
I picked Swipesum because it offers specialized payment processing solutions tailored to the unique needs of industries like ecommerce, SaaS, and retail. Their proprietary software, Staitment, performs detailed audits of merchant statements to uncover unnecessary fees, helping you optimize your payment processing and reduce costs.
Additionally, Swipesum's integrated payment systems enhance transaction efficiency and accuracy, ensuring smoother customer experiences and improved data reliability. With a network of over 70 payment providers, Swipesum provides competitive pricing options designed to save you money while aligning with your business objectives.
Swipesum Key Features
In addition to the tailored solutions and cost-saving audits that I appreciate, Swipesum offers several other key features that enhance its utility for payment processing.
- ACH Payment Processing: This feature enables you to accept electronic bank-to-bank transfers using the Automated Clearing House (ACH) network, facilitating smoother and more secure transactions.
- Cryptocurrency Processing: With the ability to accept and process cryptocurrency transactions like Bitcoin, Swipesum keeps your business at the forefront of modern payment technologies, catering to a broader customer base.
- Chargeback Management: Swipesum provides tools to manage and mitigate chargebacks, protecting your business from potential financial losses arising from disputed transactions.
- Vendor Evaluation: By assisting in evaluating and selecting the optimal credit card processing providers, Swipesum ensures you receive the best service and pricing tailored to your business needs.
Swipesum Integrations
Native integrations are not currently listed by Swipesum.
Pros and Cons
Pros:
- The platform offers personalized consulting for payment processing.
- ACH payment processing is available for secure bank-to-bank transfers.
- Users benefit from detailed statement audits to identify savings.
Cons:
- Follow-up communication post-consultation is reportedly lacking.
- Users may find the platform's fee structure unclear at times.
Learn more about Swipesum:
Best for fast invoice payments- Free plan + 30-day free trial available
- From $38/month
Visit WebsiteCustomer Rating:4/5
Manage all of your small business's finances through the secure, cloud-based platform. For those seeking a reliable payment processing solution, QuickBooks Online offers a comprehensive suite of features tailored to small businesses and entrepreneurs. By enabling you to accept payments through various channels such as credit cards, ACH, and mobile wallets like Apple Pay and PayPal, it simplifies the payment landscape, allowing you to focus on growing your business.
Its automatic payment recording and real-time tracking mean you spend less time on bookkeeping and more on strategic activities, while its competitive rates and absence of hidden fees ensure transparency in financial management.
Why I Picked Quickbooks Online
I picked QuickBooks Online for its versatile payment processing capabilities that cater to a wide range of business needs. With the ability to accept payments through credit cards, ACH, Apple Pay, PayPal, and Venmo, it provides flexibility and convenience for both you and your customers. The automatic recording of transactions directly into your accounting system simplifies bookkeeping and ensures accuracy in financial records.
Additionally, features like real-time payment tracking and chargeback protection enhance financial transparency and security, making it an optimal choice for businesses looking to streamline their payment processes while maintaining control and oversight.
Quickbooks Online Key Features
In addition to the flexible payment options and real-time tracking that make QuickBooks Online a standout choice for payment processing, there are several other features that enhance its functionality for your business needs.
- Recurring Payments: Set up automated recurring sales receipts, allowing you to collect payments without having to remind customers, thereby ensuring a steady cash flow.
- Mobile Payments: Accept payments on-the-go using QuickBooks' mobile app, which is ideal for businesses that operate outside of a traditional office setting.
- Automated Bookkeeping: When you process transactions, payment information is automatically entered into your QuickBooks Online company file, saving you time on manual data entry.
- Chargeback Protection: QuickBooks Online provides tools to help manage and protect against chargebacks, offering peace of mind when it comes to payment disputes.
Quickbooks Online Integrations
Integrations include Amazon Business Purchases, PayPal Connector by QuickBooks, Square Connector by QuickBooks, Etsy Connector by QuickBooks, Amazon Seller Connector by QuickBooks, eBay Connector by QuickBooks, Shopify Connector by QuickBooks, SOS Inventory, QuickBooks Time, and Gusto.
Pros and Cons
Pros:
- Customizable invoicing and extensive reporting options enhance user control.
- Real-time payment tracking improves financial transparency.
- Supports integration with over 750 apps, offering flexibility.
Cons:
- Inadequate customer support reported by users.
- Complicated user interface may lead to navigation challenges.
Learn more about QuickBooks Online:
Best for easy ecommerce setup- Free demo available
- From Interchange + 0.40% + 8¢ (varies by volume)
Visit WebsiteCustomer Rating:4.4/5
Helcim makes it easy to manage your recurring subscriptions with a clear view of the number of subscriptions and the amount generated. Helcim offers a transparent and user-friendly payment processing solution tailored for small businesses that value affordability and simplicity. With its no monthly fees and clear pricing model, you can manage your transactions without worrying about hidden costs.
Whether you need online payments, invoicing, or point-of-sale capabilities, Helcim provides versatile tools to support your business's financial operations effectively.
Why I Picked Helcim
I picked Helcim for its unique ability to offer a transparent and versatile payment processing solution that caters to small to medium-sized businesses. Helcim’s interchange-plus pricing model ensures you benefit from fair transaction fees without monthly charges, making it easier to manage costs.
Additionally, the Helcim Smart Terminal provides a robust point-of-sale experience, allowing you to handle various payment methods and manage inventory seamlessly. With its user-friendly mobile and desktop apps, Helcim empowers you to process payments and manage customer relationships efficiently, aligning well with businesses that value comprehensive yet straightforward financial tools.
Helcim Key Features
In addition to its transparent pricing and robust point-of-sale capabilities, Helcim offers several other features that enhance its payment processing software.
- ACH Processing: You can handle bank transfers seamlessly, allowing for direct payments between accounts without the need for credit cards.
- Virtual Terminal: This feature lets you securely take credit card payments online using any device with an internet connection, ideal for remote transactions.
- Fraud Protection: Helcim provides tools to safeguard your transactions, helping to protect your business from potential fraudulent activities.
- Integrated ecommerce Solutions: With integration capabilities, Helcim supports online store operations, enabling you to manage sales and payments effortlessly through your website.
Helcim Integrations
Integrations include QuickBooks Online, Xero, WooCommerce, and Helcim provides an API for custom integrations.
Pros and Cons
Pros:
- Strong customer support enhances user experience and satisfaction.
- Volume discounts benefit high-volume businesses looking to save costs.
- Strong customer support enhances user experience and satisfaction.
Cons:
- Limited features for larger businesses needing advanced POS capabilities.
- Lacks free hardware, requiring additional purchases from third-party vendors.
Learn more about Helcim:
10Best for customizable POS systemsClover
- 90-day free trial
- From $16/month
Visit WebsiteCustomer Rating:3.9/5
Clover offers several POS hardware options, such as countertop units, mobile devices, and contactless card readers. Clover offers a versatile solution for small businesses in retail and dining, integrating payment processing with inventory management and customer engagement tools.
Its all-in-one point-of-sale system helps you manage transactions and enhance customer experiences with ease. The user-friendly interface and flexible pricing make Clover an attractive choice for those seeking a comprehensive and reliable payment solution.
Why I Picked Clover
I picked Clover for its ability to process transactions swiftly, providing a smooth experience for both you and your customers. Its PCI-certified system ensures strong encryption and fraud protection, making it a reliable choice for safeguarding sensitive payment information.
I also appreciate Clover's capability to process payments offline, which means you can continue operations even without a stable WiFi connection. These features collectively address the need for secure, uninterrupted payment processing, making Clover a valuable asset for any business.
Clover Key Features
In addition to its robust security and offline capabilities, Clover offers a range of features that enhance its appeal as a payment processing solution:
- Inventory Management: Clover allows you to track stock levels in real-time, helping you maintain optimal inventory and streamline order fulfillment.
- Customizable Receipts: You can personalize receipts with your logo and custom messages, enhancing your brand's visibility and customer engagement.
- Multi-Location Management: If you operate across multiple sites, Clover enables centralized management, making it easier to oversee operations from one platform.
- Employee Management: With features like scheduling and time tracking, Clover helps you efficiently manage your team’s shifts and productivity.
Clover Integrations
Integrations include QuickBooks, Xero, Shopify, WooCommerce, BigCommerce, Ecwid, Mailchimp, eHopper, Homebase, and Gusto.
Pros and Cons
Pros:
- Offers a variety of hardware options suitable for different business needs.
- Includes a comprehensive sales platform with essential POS features.
- Supports multiple payment types including NFC, EMV, and magstripe.
Cons:
- Difficulties reported in canceling services and resolving billing issues.
- Requires a First Data merchant account, complicating initial setup.
Learn more about Clover:
Annen programvare for betalingsbehandling
Her er noen flere som ikke kom med på topplisten, men som fortsatt er verdt å undersøke hvis du trenger flere alternativer.
- 11Merchant OneBest for versatile point of sale systems
- 12StripeBest for global payment methods
- 13EBizChargeBest for fraud prevention
- 14ChargebeeBest for seamless payment gateway integration
- 15AirwallexBest for multi-currency accounts
- 16FiservBest for secure transactions
- 17AdyenBest for integrated payment solutions
- 18Venmo for BusinessBest for versatile payment management
- 19ElavonBest for customized reporting
- 20Payline DataBest for automated subscription billing
- 21HopscotchBest for instant payments
- 22FTNIBest for real-time oversight and reporting
- 23KIS PaymentsBest for flexible payment options
- 24RecurlyBest payment processing system for subscription-based businesses
- 25TipaltiBest payment processing software for PO matching
- 26Plate IQBest accounts payable life cycle management software
- 27PodiumBest text-to-pay software
- 28HoneyBookBest invoice customization app
- 29FivestarsBest payment processing tool for local businesses
- 30PlootoBest payment processing app for cash monitoring
- 31Amazon PayBest payment gateway for large enterprises
- 32WorldpayBest payment processing software for fraud detection
- 33GoCardlessBest payment processor with pre-built payment flows
- 34Paypal EnterpriseBest payment processor for checkout optimization
- 35eBiz FactsBest email-integrated payment processing software
- 36Unity PaymentsBest payment processor for fundraising
- 37PayItBest payment processing software for public sector
- 38First DataBest merchant service for invoice and payment automation
Relaterte anmeldelser av programvare for netthandel
Hvis du fortsatt ikke har funnet det du leter etter her, kan du se på disse verktøyene relatert til netthandel som vi har testet og vurdert.
- Plattformer for netthandel
- Programvare for lagerstyring
- Løsninger for handlekurv
- Programvare for betalingsbehandling med åpen kildekode
- Systemer for ordrebehandling
- Programvare for behandling av kredittkortbetalinger
How I Evaluate Payment Processing Software
I split my evaluation into two layers: baseline criteria every tool must meet—like multi-channel acceptance and PCI compliance—and differentiators that separate standout options from the rest.
Core Functionality (Table Stakes For This List)
When I'm selecting tools for my list, I rank each one on a scale from 0 (does not offer the functionality) to 5 (excels in this area) for each core functionality listed below. Then, I calculate the tool's total score into a percentage. Each tool needs to achieve a minimum total score of 65% to be considered for inclusion.
- Multi-Channel Payment Acceptance: I check whether the platform can process transactions across in-store, online, and mobile channels from one merchant account.
- Card & Digital Wallet Support: Each tool should accept major card networks alongside Apple Pay, Google Pay, and contactless NFC at the terminal.
- PCI Compliance & Security: I look for PCI-DSS certification, end-to-end encryption, and tokenization to confirm cardholder data stays protected at every step.
- POS & Retail System Integration: Connecting to your existing POS, inventory, and accounting tools matters, so I evaluate available integrations and API access.
- Fraud Detection & Chargeback Management: Tools like automated fraud screening and chargeback dispute workflows help retailers reduce losses from disputed transactions.
- Transaction Reporting & Reconciliation: I evaluate whether real-time dashboards, settlement tracking, and exportable reports give finance teams what they need to close the books.
Once I have a list of tools that meet this criteria, I consider what sets each platform apart.
Differentiating Factors (What Sets Vendors Apart)
Here's how I compare and contrast different vendors:
Standout Features
Offline payment mode matters for brick-and-mortar stores. When your internet drops mid-checkout, the terminal should queue transactions securely until connectivity returns. I also evaluate funding speed, since next-day or instant deposits help retailers manage tight cash flow cycles between payroll and restocking. Surcharging and cash discount tools are worth considering too, as they let you offset interchange costs or incentivize cash payments without manually adjusting your pricing at the register.
Beyond Features
Pricing transparency is the first thing I check. I look at whether interchange-plus, flat-rate, or tiered models are clearly disclosed, and whether long-term contracts or early termination fees are involved. Hardware compatibility also carries a lot of weight—retailers shouldn't have to replace existing terminals, scanners, or receipt printers just to switch processors. For multi-location or growing retailers, I evaluate whether the platform can scale across new stores and handle peak-season transaction volumes without infrastructure changes.
Hva er programvare for betalingsbehandling?
Programvare for betalingsbehandling gjør det mulig for virksomheter innen netthandel og detaljhandel å ta imot, dirigere og sikre elektroniske betalinger – kredittkort, ACH, digitale lommebøker og hva enn som kommer neste gang.
Den kobler butikken din til banker og betalingsnettverk og sørger for at pengene flyttes trygt og raskt, slik at du faktisk får betalt.
Den rette plattformen håndterer alt i bakgrunnen: sikring av kundedata, stans av svindel før den oppstår, behandling av refusjoner, automatisering av rapporter og sørging for at betalingsopplevelsen din er sømløs.
Slutt på manuell avstemming og forvirrede kunder – bare gjennomførte salg.
Hvis du ønsker raske betalinger, mindre bryderi og en smidigere drift, er programvare for betalingsbehandling helt nødvendig.
Slik velger du programvare for betalingsbehandling
Å velge programvare for betalingsbehandling kan føles som enda en utfordring i en virksomhet som allerede har mange av dem. Men det rette valget betyr færre avbrutte betalinger, mindre rutinearbeid og en smidigere arbeidsdag for deg og teamet ditt.
Slik vurderer erfarne driftsansvarlige alternativene sine.
| Hva som må avklares | Hvorfor det er viktig | Hva du bør se etter |
|---|---|---|
| Hva som må avklaresAvklar behovene dine | Hvorfor det er viktigFinn ut hva som er de største betalingsutfordringene dine – trege utsjekker, høye gebyrer, tungvinte rapporter? | Hva du bør se etterSe etter verktøy som løser disse problemene direkte, i stedet for bare å legge til ekstra funksjoner. |
| Hva som må avklaresBrukervennlighet | Hvorfor det er viktigHvis teamet ditt ikke finner ut av det, sløser du tid og penger på opplæring (og klager). | Hva du bør se etterEnkle grensesnitt, rask oppstart og tydelige arbeidsflyter. |
| Hva som må avklaresFunksjonalitet i backoffice | Hvorfor det er viktigEffektiviser det kjedelige arbeidet – automatisert avstemming, logging og tillatelser er viktigere enn du tror. | Hva du bør se etterFunksjoner som faktisk reduserer administrativt kaos, ikke bare ser fine ut i en demo. |
| Hva som må avklaresSømløse integrasjoner | Hvorfor det er viktigBetalinger bør flyte sammen med den eksisterende teknologistakken din, ikke kjempe mot den hele veien. | Hva du bør se etterFerdigbygde tilkoblinger, solide API-er og minimalt med hodebry for IT-avdelingen. |
| Hva som må avklaresSkalerbarhet | Hvorfor det er viktigDet siste du trenger, er å bytte leverandør når salget tar av eller du ekspanderer globalt. | Hva du bør se etterFlere valutaer, abonnementer og avanserte svindelverktøy – sørg for at løsningen kan holde tritt. |
| Hva som må avklaresSikkerhet og samsvar | Hvorfor det er viktigHvis du ikke kan love sikre betalinger, risikerer du å miste salg og tillit. | Hva du bør se etterPCI DSS, kryptering, reell svindelbeskyttelse samt synlige, løpende oppdateringer. |
| Hva som må avklaresSupport du får tak i | Hvorfor det er viktigBetalingsproblemer dukker gjerne opp klokken to om natten – sørg for at hjelpen faktisk er tilgjengelig. | Hva du bør se etterRask, menneskelig support via chat, telefon eller e-post – ingen henvendelser som forsvinner i et svart hull. |
| Hva som må avklaresGjennomsiktig prising | Hvorfor det er viktigSnedige gebyrer hoper seg raskt opp og spiser opp marginene. | Hva du bør se etterPriser som oppgis på forhånd, tydelige satser per transaksjon og ingen skjulte «overraskelser». |
Trender innen programvare for betalingsbehandling
Ting endrer seg hele tiden i betalingsverdenen, med nye og fancy betalingsmåter hele tiden. Folk betaler med klokkene sine! Vi lever i fremtiden!
Det er avgjørende å holde seg oppdatert for å forbli konkurransedyktig, og det er viktig å forstå nye betalingsmetoder som alternativer for kjøp nå og betaling senere for å vite hva som gjelder i 2025:
- Kontaktløse betalinger og mobilbetalinger. NFC og mobile lommebøker er nå normen, ettersom forbrukere i stadig større grad velger kontaktløse betalingsalternativer på grunn av bekvemmeligheten og hastigheten.
- Blokkjede og kryptovaluta. Blokkjede gir sikre og transparente transaksjoner, og kryptovaluta blir stadig mer utbredt med lave gebyrer og raske globale betalinger.
- Forbedret sikkerhet. Med økende cybertrusler styrker betalingsformidlere sikkerheten med tokenisering, biometrisk verifisering og AI-drevet svindeloppdagelse.
- Betalinger i sanntid. Umiddelbare pengeoverføringer blir stadig vanligere, noe som gir bedrifter raskere tilgang til inntekter og effektiviserer kontantstrømmen.
- AI og maskinlæring. AI optimaliserer svindeloppdagelse, automatiserer oppgaver og tilpasser kundeopplevelser, noe som forbedrer nøyaktighet og effektivitet.
- Åpen bankvirksomhet. Ved å bruke API-er til å dele finansielle data muliggjør åpen bankvirksomhet innovative og sammenkoblede finansielle produkter og tjenester.
- Kjøp nå, betal senere (BNPL). BNPL vokser kraftig, særlig blant yngre kunder, og gir større fleksibilitet og øker salget på netthandelsplattformer.
- Betalinger innen sosial handel. Integrerte betalinger i sosiale medier-apper som Instagram og TikTok gjør disse plattformene til knutepunkter for shopping og forenkler kjøpsprosessen.
- Biometriske betalinger. Betalinger med fingeravtrykk eller ansiktsgjenkjenning får stadig større utbredelse, noe som øker sikkerheten og eliminerer behovet for tradisjonelle PIN-koder eller passord.
Ved å følge med på disse trendene sikrer du at løsningene dine for betalingsbehandling forblir moderne og tilpasningsdyktige, klare til å møte nye kundeforventninger og teknologiske fremskritt.
Viktige funksjoner i løsninger for betalingsbehandling
Moderne programvare for betalingsbehandling er et kraftig verktøysett for å holde kontantstrømmen jevn og sikker, med funksjoner som er utviklet for å effektivisere transaksjoner, beskytte data og forenkle håndtering av abonnementsfakturering.
Her er en oversikt over de viktigste funksjonene du bør ha på radaren:
- Støtte for flere betalingsmetoder. En robust betalingsbehandler bør dekke alle behov – kredittkort, debetkort, digitale lommebøker, ACH-overføringer og til og med kryptovaluta. ACH er spesielt nyttig for regelmessige betalinger som lønnsutbetalinger eller abonnementstjenester, og tilbyr lavere gebyrer enn kredittkorttransaksjoner.
- Avansert sikkerhet og svindelforebygging. De beste plattformene tilbyr omfattende beskyttelse: ende-til-ende-kryptering, tokenisering og PCI DSS-samsvar. Verktøy som AI-drevet svindeloppdagelse følger med på mistenkelig aktivitet, mens 2FA gir et ekstra sikkerhetslag og reduserer risikoen for tilbakeføringer.
- Effektiv transaksjonsbehandling. Fra autorisering og registrering til oppgjør bør programvaren gjøre disse trinnene sømløse og raske. Ingenting ødelegger et salg raskere enn en treg transaksjon!
- Funksjoner for administrasjonen som gir smidigere drift. Med integrerte aktivitetslogger, teamtillatelser og automatisert avstemming reduserer disse verktøyene administrative problemer og holder teamet fokusert på vekst.
- Integrasjon med betalingsportaler. Se etter programvare som fungerer godt med ulike betalingsportaler og finansinstitusjoner. Denne fleksibiliteten betyr at du kan velge dine foretrukne leverandører uten å bekymre deg for kompatibilitetsproblemer.
- Mobilbetalinger. Mobilkompatibilitet er et must i dagens handelsverden, enten det gjelder salg på farten eller å imøtekomme kunder som foretrekker å betale med telefonen.
- Regelmessig fakturering og abonnementer. Automatiser regelmessige betalinger, medlemskap eller abonnementsavgifter, frigjør tid og sørg for en pålitelig inntektsstrøm.
- Flere valutaer og internasjonale betalinger. Hvis du tenker globalt, trenger du støtte for flere valutaer slik at du enkelt kan motta internasjonale transaksjoner. Ikke flere hindringer for dine internasjonale kunder!
- Rapportering og analyse. Omfattende innsikt i transaksjonsvolum, salgstrender og kundeatferd gjør data om til strategi. Disse verktøyene hjelper deg med å ta smarte, databaserte beslutninger – uten at du trenger en doktorgrad i analyse.
- Brukervennlig grensesnitt. Den beste programvaren for betalinger krever ikke en teknologieksamen. En tydelig og intuitiv plattform gjør det enkelt for alle å administrere transaksjoner, refusjoner og kundedata.
- Kundeadministrasjon. Effektiviser kundeinteraksjoner ved å organisere betalingspreferanser, transaksjonshistorikk og annen viktig informasjon, slik at du kan bygge langsiktige relasjoner.
For e-handelsplattformer som betjener ideelle organisasjoner, integreres disse betalingsbehandlerne for ideelle organisasjoner sømløst for å støtte formålet ditt.
De viktigste fordelene med programvare for betalingsbehandling
Enten du driver en nettbutikk, en fysisk virksomhet eller begge deler, gir programvare for betalingsbehandling en rekke fordeler som kan forvandle driften av virksomheten din. Her er seks viktige fordeler:
- Strømlinjeformet transaksjonsadministrasjon. Programvare for betalingsbehandling gjør transaksjoner enklere ved å automatisere hvert trinn – fra oppstart til oppgjør – noe som sparer tid og reduserer manuelle feil. Enten det gjelder kredittkort, mobile lommebøker eller ACH-overføringer, håndterer den betalingene smidig, slik at du slipper.
- Forbedret sikkerhet og svindelforebygging. Sikkerhet er ikke valgfritt, og betalingsprogramvare tilbyr avansert kryptering, svindeloppdagelse i sanntid og PCI DSS-samsvar for å beskytte sensitive data. Dette er avgjørende for å opparbeide kundetillit og minimere økonomisk risiko.
- Større betalingsfleksibilitet. Ved å tilby ulike betalingsalternativer, fra kreditt- og debetkort til digitale lommebøker og ACH-overføringer, blir transaksjonene mer praktiske for kundene. For systemer for regelmessige betalinger er ACH et pålitelig og kostnadseffektivt alternativ som virksomheter kan bruke uten at høye gebyrer reduserer fortjenesten.
- Tilgang til analyse i sanntid. Innebygde rapporteringsverktøy gir verdifull innsikt i transaksjonsvolum, salgstrender og kundeatferd. Med disse dataene kan du ta informerte, strategiske beslutninger som finjusterer tilnærmingen din og fremmer vekst.
- Tilgang til globale markeder. Med støtte for flere valutaer og globale betalingsfunksjoner blir internasjonal ekspansjon enkelt. Enten du selger på nettet eller håndterer grensekryssende transaksjoner, kan du betjene kunder overalt uten begrensninger.
- Forbedret kundeopplevelse. En smidig betalingsprosess holder kundene fornøyde og får dem til å komme tilbake. Fleksible betalingsalternativer, rask behandling og pålitelige transaksjoner sørger for at kundene får en sømløs handleopplevelse hver gang.
Å velge riktig programvare for betalingsbehandling handler om mer enn å håndtere transaksjoner; det er en strategisk investering i vekst som hjelper deg med å bygge tillit hos kundene og gjør virksomheten din i stand til å lykkes i dagens digitalorienterte økonomi.
Kostnader og priser for programvare for betalingsbehandling
Det er avgjørende å forstå de ulike prismodellene og funksjonene i programvare for betalingsbehandling for å kunne velge en løsning som samsvarer med virksomhetens mål og budsjett.
Nedenfor finner du en omfattende oversikt over vanlige abonnementsalternativer, gjennomsnittspriser, inkluderte funksjoner og hvilke typer virksomheter de passer best for.
Sammenligningstabell for abonnementer for programvare for betalingsbehandling
| Abonnementstype | Gjennomsnittspris | Vanlige inkluderte funksjoner | Best for |
|---|---|---|---|
| AbonnementstypeGratis | Gjennomsnittspris$0 | Vanlige inkluderte funksjonerGrunnleggende transaksjonsbehandling, standard sikkerhetsfunksjoner, støtte for større kredittkort, grunnleggende rapportering, begrenset månedlig transaksjonsvolum og brukerstøtte fra fellesskapet. | Best forOppstartsbedrifter, hobbybrukere & svært små virksomheter |
| AbonnementstypeStart | Gjennomsnittspris$15 - $30/måned | Vanlige inkluderte funksjonerAlle funksjoner i Gratis, forbedrede sikkerhetstiltak, grunnleggende støtte for flere valutaer, mobilbetalinger, brukerstøtte via e-post og grunnleggende lagerstyring. | Best forSmå virksomheter & nye nettbutikker |
| AbonnementstypeSmåbedrift | Gjennomsnittspris$50 - $100/måned | Vanlige inkluderte funksjonerAlle funksjoner i Start, avansert rapportering, full støtte for flere valutaer, integrasjon med populære netthandelsplattformer, kundestøtte døgnet rundt, abonnementsfakturering og tilpassbar betaling. | Best forVoksende SMB-er & etablerte nettforhandlere |
| AbonnementstypeProfesjonell | Gjennomsnittspris$100 - $200/måned | Vanlige inkluderte funksjonerAlle funksjoner i Småbedrift, avansert analyse, API-tilgang, verktøy for svindelbeskyttelse, flere brukerkontoer, avansert lagerstyring og integrasjoner med markedsplasser. | Best forStore virksomheter & forhandlere i flere kanaler |
| AbonnementstypeStorbedrift | GjennomsnittsprisTilpasset pris | Vanlige inkluderte funksjonerAlle funksjoner i Profesjonell, egen kundeansvarlig, tilpasset rapportering og analyse, avanserte sikkerhetsprotokoller, løsninger med egen merkevare, tilpassede integrasjoner og prioritert brukerstøtte. | Best forForhandlere med høyt volum & multinasjonale selskaper |
Når du velger et abonnement for programvare for betalingsbehandling, bør du ikke bare ta hensyn til dagens behov, men også forutse fremtidig vekst og mulig ekspansjon.
Viktige faktorer du bør vurdere, omfatter:
- Transaksjonsvolum: Sørg for at abonnementet kan håndtere det forventede antallet transaksjoner uten at det påløper urimelig høye gebyrer.
- Betalingstyper: Kontroller at abonnementet støtter alle betalingsmetodene kundene dine bruker, inkludert nye alternativer som digitale lommebøker eller kryptovalutaer.
- Integrasjonsmuligheter: Kontroller om programvaren integreres sømløst med de eksisterende systemene dine (f.eks. regnskapsprogramvare, CRM og lagerstyring).
- Skalerbarhet: Se etter abonnementer som gjør det enkelt å oppgradere etter hvert som virksomheten vokser.
- Internasjonale muligheter: Hvis du planlegger å selge globalt, må du sørge for at abonnementet støtter flere valutaer og er i samsvar med internasjonale regler.
- Brukerstøttenivå: Vurder hvilket nivå av kundestøtte du trenger, særlig i kritiske salgsperioder.
- Sikkerhetsfunksjoner: Vurder sikkerhetstiltakene som tilbys, og sørg for at de oppfyller bransjestandarder og virksomhetens krav.
Ved å vurdere disse faktorene nøye og sammenligne dem med funksjonene og prisene for tilgjengelige abonnementer, kan du velge blant de beste selskapene for kredittkortbehandling en løsning som ikke bare dekker dagens behov, men som også støtter virksomheten etter hvert som den utvikler og utvider seg.
For mange alternativer kan du begynne med et gratis abonnement for betalingsbehandling og skalere etter behov.
Vanlige spørsmål om programvare for betalingsbehandling
For å gjøre denne listen over den beste programvaren for betalingsbehandling for netthandelsbedrifter enda mer omfattende ønsket jeg å besvare noen av de vanligste spørsmålene om emnet.
Hvilke betalingsleverandører integreres best med Shopify, WooCommerce eller BigCommerce?
De beste betalingsleverandørene for store netthandelsplattformer som Shopify, WooCommerce og BigCommerce er de som tilbyr integrasjoner og rask oppstart, for eksempel Stripe, PayPal og Authorize.net.
Disse leverandørene tilbyr direkte utvidelser eller innebygde innstillinger, slik at du sparer tid på oppsett og vedlikehold. For de fleste nettbutikker sikrer det smidigste betalingsforløpet for kundene dine at du velger en leverandør som anbefales av plattformen din.
Hvor raskt får jeg tilgang til pengene etter en transaksjon med en betalingsleverandør?
De fleste betalingsleverandører setter inn penger på kontoen din innen én til tre virkedager, men tidspunktet kan variere. Stripe og PayPal tilbyr vanligvis raske utbetalinger, noen ganger allerede neste dag, mens andre kan bruke lengre tid for nye kontoer eller internasjonale salg.
For å få raskere tilgang bør du bekrefte kontoinformasjonen din tidlig og se etter alternativer som umiddelbare overføringer eller overføringer samme dag, som enkelte leverandører tilbyr mot et lite gebyr.
Kan jeg tilby kundene mine alternativer for Kjøp nå, betal senere (BNPL) gjennom betalingsleverandøren min?
Ja, mange ledende betalingsleverandører, inkludert Stripe, PayPal og Square, lar deg tilby kundene dine Kjøp nå, betal senere. Vanligvis aktiverer du BNPL gjennom innstillingene for utsjekking eller ved å legge til en støttet app eller integrasjon.
BNPL kan øke konverteringene og appellere til kunder som ønsker mer fleksible betalingsalternativer, noe som gjør dette til en smart funksjon for de fleste nettbutikker.
Hvilke sikkerhetstiltak har betalingsleverandører?
De fleste betalingsleverandører bruker PCI DSS-samsvar, ende-til-ende-kryptering og tokenisering for å beskytte kundenes betalingsopplysninger. Dette bidrar til å forhindre svindel og reduserer risikoen din som netthandelsaktør.
Sørg for at leverandøren tilbyr tofaktorautentisering, overvåking i sanntid og regelmessige sikkerhetsoppdateringer som en del av tjenesten.
Kan man enkelt bytte betalingsleverandør ved behov?
Ja, det er mulig å bytte betalingsleverandør, men det krever litt planlegging. Sikkerhetskopier transaksjonsdataene dine, gå gjennom kontraktsvilkårene for eventuelle avslutningsgebyrer, og test integrasjonen med den nye leverandøren i et sandkassemiljø før du går live.
Informer kundene dine hvis betalingsforløpet endres. Det er enklest å bytte hvis du bruker bredt støttede netthandelsplattformer og populære betalingsløsninger.
Hvordan håndterer betalingsleverandørplattformer tilbakeføringer?
Betalingsleverandører bidrar til å håndtere tilbakeføringer ved å varsle deg raskt, tilby verktøy for tvisteløsning og noen ganger representere deg i kravsaker.
Du må sende inn dokumentasjon, for eksempel sporingsnumre eller ordrebekreftelser. Mange netthandelsfokuserte leverandører tilbyr også automatisert svindeloppdagelse som flagger risikable bestillinger, slik at du kan unngå tilbakeføringer før de oppstår.
Kan betalingsleverandører håndtere flere valutaer for internasjonalt salg?
Ja, de fleste ledende betalingsleverandører lar deg motta betalinger i ulike valutaer og håndterer automatiske omregninger. Denne funksjonen hjelper deg med å selge globalt og gir internasjonale kunder en lokalisert opplevelse. Dobbeltsjekk gebyrer og valutakurser slik at det ikke oppstår overraskelser for deg eller kundene dine.
Hvordan støtter betalingsleverandører regelmessig fakturering for abonnementer?
De beste betalingsleverandørene har innebygde verktøy for regelmessig fakturering, slik at du kan automatisere abonnementsbetalinger og sende kundene påminnelser om kommende betalinger.
Stripe, Recurly og PayPal støtter alle fleksible abonnementsplaner, gratis prøveperioder og automatisk fakturering, noe som gjør det enkelt å administrere løpende inntekter i nettbutikken din.
