Os 10 melhores softwares de processamento de pagamentos para 2026

O melhor software de processamento de pagamentos para comércio eletrónico, analisado

1. 

   1

   MakersHub

   Best for automated bill coding

   • 21-day free trial available
   • From $99/month

   Visit Website

   Customer Rating:4.9/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   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:

   • Check out MakersHub on their website
2. 

   2

   Square

   Best for flexible payment acceptance

   • Free plan + 30-day trial available
   • From $49/month

   Visit Website

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

   

   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.
   Learn more about Square:

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

   3

   Payment Depot

   Best for high-volume transactions

   • Free demo 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.

   

   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:

   • Check out Payment Depot on their website
4. 

   4

   Stax

   Best for reducing late payments

   • Free demo available
   • From $99/month

   Visit Website

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

   

   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:

   • Check out Stax on their website
5. 

   5

   CardX by Stax

   Best for automated compliance

   • From $29/month

   Visit Website

   

   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:

   • Check out CardX by Stax on their website
6. 

   6

   Shopify POS

   Best for omnichannel transactions

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

   Visit Website

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

   

   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:

   • Check out Shopify POS on their website
   • Read my in-depth review of Shopify POS
   • Explore best alternatives to Shopify POS
7. 

   7

   Swipesum

   Best for tailored payment solutions

   • Free plan available
   • From $50/hour

   Visit Website

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

   

   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:

   • Check out Swipesum on their website
8. 

   8

   QuickBooks Online

   Best for fast invoice payments

   • Free plan + 30-day trial available
   • From $38/month

   Visit Website

   Customer Rating:4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   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:

   • Check out QuickBooks Online on their website
   • Explore best alternatives to QuickBooks Online
9. 

   9

   Helcim

   Best for easy ecommerce setup

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

   Visit Website

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

   

   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:

   • Check out Helcim on their website
   • Read my in-depth review of Helcim
10. 

    10

    Clover

    Best for customizable POS systems

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

    Visit Website

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

    

    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:

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