Os 10 melhores softwares de processamento de cartões de crédito para comércio eletrónico em 2026

As 10 melhores empresas de processamento de cartões de crédito para comércio eletrónico, analisadas

1. 

   1

   Payment Depot

   Best value for high transaction volumes

   • Free demo available
   • Pricing upon request

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   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Payment Depot is a merchant services provider that specializes in credit card processing with a focus on transparent interchange+ pricing. This pricing model is considered best for businesses seeking clarity and cost savings on transaction fees, as it allows them to pay the wholesale rate plus a fixed monthly membership fee, avoiding the markups that are typical in the industry.

   Why I Picked Payment Depot: Payment Depot excels in offering a transparent and cost-effective credit card processing solution, particularly suited for businesses with high transaction volumes.The platform provides a comprehensive suite of tools including a free payment gateway, virtual terminal capabilities through partnerships like SwipeSimple, and support for various POS systems including Clover. Payment Depot's user-friendly interface and intuitive reporting dashboard enhance its ease of use, making financial management straightforward for business owners.

   Payment Depot Standout Features and Integrations

   Features include subscription-based pricing, free payment gateway, virtual terminal through swipesimple, compatibility with pos systems like clover and vital select, user-friendly interface, support for mobile and ach payments, integration with major ecommerce platforms, no hidden fees, and dedicated customer support​​​​​​​​​​.

   Integrations include OpenCart, PrestaShop, 3dCart, BigCommerce, WooCommerce, Magento, Zen Cart, NCR, Authorize.Net, PayTrace, and others.

   Pros and Cons

   Pros:

   • Comprehensive equipment offerings
   • User interface is straightforward and intuitive
   • Cost-effective for businesses with high transaction volumes

   Cons:

   • Not ideal for low-volume businesses
   • Limited to US-based, non-high-risk merchants
   Learn more about Payment Depot:

   • Check out Payment Depot on their website
2. 

   2

   Shopify POS

   Best credit card processing for omnichannel retail integration

   • 3-day free trial
   • From $89/month

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   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Shopify POS streamlines retail and online sales through a unified system, offering seamless inventory, order, and customer data management. Designed for efficiency, it supports a range of payment methods, enhances customer service with its user-friendly interface, and provides actionable insights through detailed analytics. 

   Why I PIcked Shopify POS: Shopify POS excels in credit card processing by offering secure, swift, and versatile payment solutions tailored to both merchants and customers. It supports a broad spectrum of credit and debit cards, facilitating transactions through encrypted data handling for enhanced security. The system's integration with Shopify Payments simplifies reconciliation and provides real-time insights into sales and financial health. 

   Shopify POS Standout Features and Integrations

   Features include omnichannel selling, deep ecommerce integration, customizable checkout experience, secure credit card processing, real-time inventory management, unified customer profiles, detailed sales analytics, mobile compatibility, support for multiple payment methods, and loyalty program integration.

   Integrations include with a variety of tools, including Shopify Payments, Shopify Shipping, Shopify Email, QuickBooks, Xero, Klaviyo, Google Analytics, Oberlo, Printful, and Gift Cards & Loyalty Program by Smile.io

   Pros and Cons

   Pros:

   • Advanced inventory management tools
   • Robust omnichannel capabilities
   • Seamless integration with Shopify

   Cons:

   • Shopify POS primarily supports hardware sold through Shopify
   • Cost can be a deterrent for small businesses
   Learn more about Shopify POS:

   • Check out Shopify POS on their website
   • Read my in-depth review of Shopify POS
   • Explore best alternatives to Shopify POS
3. 

   3

   Stax

   Best credit car processing software for transparent pricing and support

   • Free demo available
   • From $99/month

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   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Stax Pay is an all-in-one platform that simplifies payment processes for businesses, offering secure in-person and online credit card payment processing.

   Why I picked Stax Pay: With a transparent pricing model and comprehensive support system, Stax Pay provides simplicity and clarity for informed decision-making. Its all-in-one business management platform allows for the acceptance of multiple payment types and seamless integration of necessary tools within a single dashboard. This capability is particularly beneficial for ecommerce businesses that require a robust system to handle various transaction methods.

   Stax Pay Features and Integrations

   Features include payment processing, customized invoicing, subscription billing, a virtual terminal, robust analytics, customer management, a developer-friendly API, inventory tracking, and multi-location support. Stax Pay also provides next-day funding, omni-channel payment solutions, point of sale options, and seamless integration with various business tools and software.

   Integrations include Slack, Zapier, Microsoft Office, Google Suite, and CRMs. Additional integrations include mobile software development kits in Javascript and Python and a language-agnostic RESTful API.

   Pros and Cons

   Pros:

   • Variety of payment solutions
   • Detailed analytics and reporting tools
   • Subscription-based pricing

   Cons:

   • Complex features and navigations
   • Limited international functionality
   Learn more about Stax:

   • Check out Stax on their website
4. 

   4

   CardX by Stax

   Best credit card processing software for compliantly passing costs to customers

   • From $29/month

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   CardX by Stax is a payment processing solution that allows businesses to accept credit card payments without incurring the usual processing fees, as these costs are passed on to the customers.

   Why I picked CardX: By passing the credit card transaction fee to the customer, businesses can retain the full sale amount, paying only for debit card transactions. CardX ensures compliance with all relevant regulations through its solution, which automates the compliance process. This service is designed to be customer-friendly, offering a no-fee option for debit card transactions. Additionally, CardX supports various payment methods, including online, in-office, and in-person transactions, making it a versatile option for ecommerce businesses.

   CardX Features and Integrations

   Features include automated compliance, credit card acceptance, surcharge compliance, fee-free debit for customers, interchange fee elimination, online payments, in-person payments, and payment technology solutions.

   Integrations include Stax Pay, Stax Connect, Stax Bill, and Stax API.

   Pros and Cons

   Pros:

   • 24/7 customer support is available
   • Merchants do not pay any fees for credit card transactions
   • CardX manages all compliance requirements related to surcharging

   Cons:

   • Merchants must pay monthly fees for using CardX's hardware and virtual terminal
   • Merchants still pay for debit card transactions.
   Learn more about CardX by Stax:

   • Check out CardX by Stax on their website
5. 

   5

   Swipesum

   Best for accessing multiple payment processors

   • Free plan available
   • From $50/hour

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   Customer Rating:4.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Swipesum is a payment consulting company that offers flexible payment processing solutions for businesses looking to simplify their transaction management.

   Why I picked Swipesum: Unlike many standard processors, Swipesum operates independently from specific providers, allowing you to access top gateways and processing options from their processor-agnostic platform. With Swipesum, you can connect to the top gateways and processors for credit card payments, so you get flexibility in choosing providers tailored to your requirements. Additionally, Swipesum’s platform includes a rate auditing service, which consistently reviews and adjusts rates to lower costs, making it ideal for ecommerce operations that need efficient cost management. 

   Swipesum Features and Integrations

   Features include fraud prevention, dispute management, dedicated account managers, AI-driven fee analysis, tailored setup support, real-time rate alerts, custom-built payment integrations, data-driven reporting, free gateway setup, expert consultations, and technical support for all integrations.

   Integrations include Shopify, NetSuite, WooCommerce, Square, Stripe, Clover, Magento, QuickBooks, BigCommerce, Vend, Lightspeed, and Salesforce.

   Pros and Cons

   Pros:

   • Processor-agnostic approach allows flexible provider options
   • AI-driven statement analysis for transparent fee management
   • Supports chargeback management and fraud prevention

   Cons:

   • Customized solutions can take longer to set up
   • Not ideal for businesses preferring a self-service setup
   Learn more about Swipesum:

   • Check out Swipesum on their website
6. 

   6

   Helcim

   Best credit card processing software for good interchange rates

   • Free demo available
   • From Interchange + 0.40% + 8¢ (varies by volume)

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   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Helcim is a credit card processing software that enables ecommerce business owners to offer multiple payment options while benefiting from reasonable interchange fees. 

   Why I picked Helcim: Helcim has an easy onboarding process and a smooth learning curve. The solution offers proprietary payment pages, which can simplify the deployment process. 

   Unlike other credit card processors, Helcim doesn’t charge monthly fees for online transactions, which makes it ideal for startups and small businesses who are just starting out in the ecommerce industry. The software uses interchange plus pricing, which is a transparent model that’s easy to understand. 

   Helcim Standout Features and Integrations

   Features include POS, online checkout, a virtual terminal, recurring plans, payment links, invoicing, QR codes, SMS payments, a physical credit card reader, and a card vault. 

   Integrations include Great Exposure, Foxy.io, Magento, QuickBooks, WooCommerce, and others. 

   Pros and Cons

   Pros:

   • Great for startups and small businesses
   • Interchange-plus pricing model
   • No hidden fees

   Cons:

   • Some features may lag at times
   • Payment processing rates are correlated to your sales volume
   Learn more about Helcim:

   • Check out Helcim on their website
   • Read my in-depth review of Helcim
7. 

   7

   Clover

   Best credit card processing software for brick-and-mortar stores who want to sell online

   • 90-day free trial
   • From $16/month

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   Customer Rating:3.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Clover is an out-of-the-box point-of-sale (POS) system that enables physical stores who want to transition to ecommerce to integrate their payment options into their website. 

   Why I picked Clover: Clover is more than a credit card processing solution. It’s a complete POS system that comes with its own hardware, enabling you to process payments in physical stores. Clover also syncs your physical and ecommerce sales, making it easy to manage your inventory. 

   Clover is an adaptable system you can customize with the help of add-ons. Some of the available add-ons are free, while others may cost extra, but you can use them to build a robust solution that’s tailored to your business needs. 

   Clover Standout Features and Integrations

   Features include item and inventory management, stock tracking, loyalty programs, multi-channel selling, a seller dashboard, hotspot payments, and reporting & analytics. 

   Integrations include Balance Till, Cash Track, Digital Loyalty, Footfall, Invoiss, OrderOut, RewardUp, Thrive Inventory, Time Clock, Stream, and others. 

   Pros and Cons

   Pros:

   • Detailed reports
   • User interface is friendly toward novice users
   • Well-designed dashboard that allows you to oversee your store’s financials

   Cons:

   • Some merchants may find the pricing structure complicated
   • Customizing your reports could be easier
   Learn more about Clover:

   • Check out Clover on their website
   • Read my in-depth review of Clover
8. 

   8

   Merchant One

   Best credit card processing software for speedy merchant approvals

   • Free quote available
   • Pricing upon request

   Visit Website

   Customer Rating:5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Merchant One is a credit card processing solution that’s willing to approve most merchants, including high-risk merchants who don’t have great credit histories. 

   Why I picked Merchant One: Merchant One enables businesses of all sizes to integrate credit card payments into their online stores. The solution is easy to implement, and the provider also offers card readers and POS systems for physical store owners too. 

   Merchant One has a simple interface that’s easy to navigate and use. The software enables you to accept multiple types of payment, including recurring, mobile, and contactless payments, and it also allows you to send invoices and receipts. 

   Merchant One Standout Features and Integrations

   Features include gift cards, loyalty programs, text marketing, PCI compliance, fraud protection, data security, mobile payments, invoicing, and billing.  

   Integrations include BigCommerce, Designcart, Ecwid, Microsoft Dynamics, PrestaShop, Salesforce, Weebly, Wix, WordPress, ZenCart, and others. 

   Pros and Cons

   Pros:

   • Good for both in-store and online selling
   • Helpful support team
   • 24/7 support for ecommerce stores

   Cons:

   • Limited online knowledge base
   • Pricing model could be clearer
   Learn more about Merchant One:

   • Check out Merchant One on their website
   • Read my in-depth review of Merchant One
9. 

   9

   Stripe

   Best credit card processing software for payment integrations

   • Free plan + Free demo available
   • From $0/month

   Visit Website

   Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Stripe is a credit card processing software that helps ecommerce merchants offer friction-free shopping experiences with multiple payment options. 

   Why I picked Stripe: Stripe helps ecommerce vendors of all sizes make their payment process easy. The software offers multiple payment options, allowing merchants to sell products, services, and subscriptions without difficulty. 

   Stripe’s dashboard is easy to navigate and understand. The solution’s reports give a clear overview of how your business is doing and offer insights that enable you to identify in-demand products and pipelines that may need optimization. 

   Stripe Standout Features and Integrations

   Features include embeddable checkout, invoice support, a custom UI toolkit, 135+ currency support, local payment methods, real-time reporting, and iOS and Android mobile apps. 

   Integrations include 10clouds, 1Password, Accenture, Amazon Web Services, Bonsai, Capital One, Giftpro, HubSpot, Shopify, Squarespace, and others. 

   Pros and Cons

   Pros:

   • Supports dozens of currencies
   • Multiple checkout templates
   • Allows you to set up memberships, subscriptions, and free trials with ease

   Cons:

   • Full customization requires some coding skills
   • Deposits take a couple of business days to process
   Learn more about Stripe:

   • Check out Stripe on their website
   • Read my in-depth review of Stripe
   • Explore best alternatives to Stripe
10. 

    10

    EBizCharge

    Best for B2B businesses

    • Not available
    • Pricing upon request

    Visit Website

    Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

    

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    EBizCharge is a credit card and eCheck processing platform built to support payments across all major sales channels, including online storefronts. It’s designed to integrate directly with your ecommerce system, ERP, or accounting software to simplify payment acceptance, making it perfect for B2B businesses. 

    Why I picked EBizCharge: I picked EBizCharge because it gives you flexible ways to accept payments, including hosted checkouts, email pay links, and a customer payment portal—no coding required. It also supports recurring billing, saved cards, and auto-pay, which are helpful for subscription-based stores or frequent buyers. You can even accept eChecks to lower your processing costs. Everything syncs automatically with your accounting system, so you don’t waste time on manual entry or reconciliation. And if you sell in person, too, tools like EMV and virtual terminals are available to cover those transactions.

    EBizCharge Features and Integrations

    Features include customizable fraud modules that let you set your own rules for transaction security, helping you protect your store from chargebacks. You also get tokenization and encryption to keep your customers’ payment data safe when they check out.

    Integrations include Acumatica, QuickBooks Desktop, QuickBooks Online, NetSuite, Microsoft Dynamics, Magento, BigCommerce, Salesforce, Zoho CRM, WooCommerce, Volusion, and Shopify.

    Pros and Cons

    Pros:

    • Integrates well with accounting platforms
    • Easy invoice payment for customers via portals
    • Secure card data storage with tokenization

    Cons:

    • Initial setup can be time-consuming
    • Limited language support
    Learn more about EBizCharge:

    • Check out EBizCharge on their website