The 47 Best Payments Tools For Small Business [2025]

Pat Walls

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Updated: April 14th, 2025

Payments is essential to running your business.

After interviewing thousands of founders, we put together a list of the most popular payments tools.

Here they are:

1. Rewardful

Turn your biggest fans into your best marketers. Instantly set up affiliate and referral programs with Stripe.

More About Rewardful

The only affiliate marketing software with a built-in Affiliate Finder that crawls the web to surface relevant affiliates.

Rewardful is a simple way for companies to set up affiliate and referral programs with Stripe. Just connect your account and let us track referrals, discounts, and commissions for you! Built from the ground up for subscriptions, Rewardful automatically adjusts commissions for downgrades, upgrades, free trials, cancellations, and refunds.

Used by many of the largest internet companies in the world and fastest-growing startups, affiliate and referral programs are more successful on Rewardful.

Pricing Details

Plans starting at $29/mo:

Unlimited affiliates
All integrations
REST API access
Mass payouts
Everything you need to run a successful affiliate program

Growth: $79/mo

Multiple campaigns
Branded affiliate portal
Custom domain
Multiple currencies
Double-sided incentives
Private, invite-only campaigns

Additional details about Rewardful:

Pricing: Paid
Twitter: @getrewardful
Website: getrewardful.com

Businesses using Rewardful:

2. Paypal

A fast, safe way to send money, make an online payment, receive money or set up a merchant account.

Additional details about Paypal:

Pricing: Freemium
Twitter: @PayPal
Website: https://www.paypal.com/

Businesses using Paypal:

754 successful businesses are using Paypal ➜

3. Stripe

Online payment processing for internet businesses.

Additional details about Stripe:

Pricing: Freemium
Twitter: @stripe
Website: stripe.com

Businesses using Stripe:

4. Shopify Payments

Easily accept Visa, Mastercard, American Express, and Discover credit cards on the go, or in your retail store.

Additional details about Shopify Payments:

Pricing: Freemium
Twitter: @shopify
Website: shopify.com

Businesses using Shopify Payments:

284 successful businesses are using Shopify Payments ➜

5. Square

Get paid faster with Square.

Additional details about Square:

Pricing: Freemium
Twitter: @Square
Website: https://squareup.com/

Businesses using Square:

167 successful businesses are using Square ➜

6. Amazon Payments

Accept online and mobile payments on your ecommerce site securely.

Additional details about Amazon Payments:

Pricing: Freemium
Twitter: @amazonpay
Website: pay.amazon.com

Businesses using Amazon Payments:

168 successful businesses are using Amazon Payments ➜

7. Apple Pay

Apple Pay offers an easy, secure, and private way to pay on Apple devices.

Additional details about Apple Pay:

Pricing: Freemium
Twitter: @Apple
Website: https://www.apple.com/apple-pay/

Businesses using Apple Pay:

8. Venmo

Accept payments with a mobile app.

Additional details about Venmo:

Pricing: Freemium
Twitter: @venmo
Website: venmo.com

Businesses using Venmo:

9. TransferWise

Transfer money abroad easily and quickly with our low cost money transfers.

Additional details about TransferWise:

Pricing: Freemium
Twitter: @TransferWise
Website: transferwise.com

Businesses using TransferWise:

10. Bill.com

Accounts payable and receivables solutions.

Additional details about Bill.com:

Pricing: Freemium
Twitter: @billcom
Website: bill.com

Businesses using Bill.com:

11. ReCharge

Payments sync to Shopify Orders. Orders are updated so you can fulfill them directly from Shopify.

Additional details about ReCharge:

Pricing: Freemium
Twitter: @recharge
Website: rechargepayments.com

Businesses using ReCharge:

34 successful businesses are using ReCharge ➜

12. Thrive Cart

A hosted shopping cart platform that was designed to make selling products and services online easy.

Additional details about Thrive Cart:

Pricing: Freemium
Twitter: @thrivecart
Website: thrivecart.com

Businesses using Thrive Cart:

13. Squareup

A point-of-sale (POS) application designed to provide businesses with a reliable and fast POS system. It enables you to take payments using your iOS or Android devices and can be implemented on the counter or on-the-go.

More About Squareup

Accept every way your customers want to pay with Square Payments. Get a free magstripe reader to swipe credit cards anywhere. Take chip cards and NFC payments with Square Reader for contactless and chip. With Squares credit card processing, you can accept all major cards and get deposits as fast as the next business day. We offer chargeback protection, fraud detection, account takeover protection, and more, so you can focus on your customers. Its free to sign up and fast to get set up.

Additional details about Squareup:

Pricing: Freemium
Twitter: @Square
Website: squareup.com

Businesses using Squareup:

20 successful businesses are using Squareup ➜

14. Wave

Provides a suite of financial services and online software for small businesses.

Additional details about Wave:

Pricing: Freemium
Twitter: @WaveHQ
Website: waveapps.com

15. Braintree

Process payments online, including credit cards, debit cards, digital wallets, PayPal, Venmo, Apple Pay, and Google Pay in a single integration.

Additional details about Braintree:

Pricing: Freemium
Twitter: @braintree
Website: braintreepayments.com

Businesses using Braintree:

25 successful businesses are using Braintree ➜

16. Afterpay

Shop now, pay later for fashion, beauty, accessories and more.

Additional details about Afterpay:

Pricing: Freemium
Twitter: @AfterpayUSA
Website: afterpay.com

Businesses using Afterpay:

31 successful businesses are using Afterpay ➜

17. Authorize.net

Payment processing and payment management services to help businesses accept credit card and e-check payments online.

Additional details about Authorize.net:

Pricing: Freemium
Twitter: @AuthorizeNet
Website: authorize.net

Businesses using Authorize.net:

18. Paddle

Paddle is the subscription and commerce platform for SaaS and software businesses.

Additional details about Paddle:

Pricing: Freemium
Twitter: @PaddleHQ
Website: paddle.com

Businesses using Paddle:

23 successful businesses are using Paddle ➜

19. Chargebee

Subscription management platform with end-to-end recurring billing for subscription businesses.

Additional details about Chargebee:

Pricing: Freemium
Twitter: @chargebee
Website: chargebee.com

Businesses using Chargebee:

12 successful businesses are using Chargebee ➜

20. Razorpay

A payment gateway for India with developer friendly API, easy integration and transparent pricing.

More About Razorpay

Online, digital payment processing to help make your business simpler to manage.

Additional details about Razorpay:

Twitter: @Razorpay
Website: razorpay.com

Businesses using Razorpay:

21. Klarna

Complete your online purchase in the way that suits you best.

Additional details about Klarna:

Pricing: Freemium
Twitter: @Klarna
Website: klarna.com

Businesses using Klarna:

25 successful businesses are using Klarna ➜

22. Payoneer

A financial services company that provides online money transfer, digital payment services and provides customers with working capital.

Additional details about Payoneer:

Twitter: @Payoneer
Website: payoneer.com

Businesses using Payoneer:

23. Affirm

Financial products.

Additional details about Affirm:

Pricing: Freemium
Twitter: @Affirm
Website: affirm.com

Businesses using Affirm:

24. Gocardless

Easy way to collect direct debit.

Additional details about Gocardless:

Pricing: Freemium
Twitter: @GoCardless
Website: gocardless.com

Businesses using Gocardless:

25. Quadpay

An alternative payment provider that allows brands to give their customers the opportunity to split their purchases into 4 interest-free, automatic installments.

More About Quadpay

Receive payments upfront, while allowing shoppers to pay over 4 simple installments.

Additional details about Quadpay:

Pricing: Freemium
Twitter: @quadpay
Website: quadpay.com

Businesses using Quadpay:

26. 2Checkout

The leading all-in-one monetization platform that allows businesses to quickly expand internationally and optimize recurring revenue streams across channels, by simplifying the back-end complexities that modern digital commerce creates.

Additional details about 2Checkout:

Pricing: Freemium
Twitter: @2Checkout
Website: 2checkout.com

Businesses using 2Checkout:

27. Xoom

A PayPal Service is an electronic funds transfer or remittance provider that allows consumers to send money, pay bills and reload mobile phones from the United States and Canada to 131 countries.

Additional details about Xoom:

Twitter: @xoom
Website: xoom.com

Businesses using Xoom:

28. Bitpay

A crypto-debit card which allows its users to use their bitcoin reserves to make payments at any brick-and-mortar outlets wherever major credit cards are accepted.

Additional details about Bitpay:

Pricing: Freemium
Twitter: @BitPay
Website: bitpay.com

Businesses using Bitpay:

29. Recurly

Provides enterprise-class subscription billing management for thousands of businesses worldwide.

More About Recurly

Recurly is a secure, PCI-compliant, all-in-one platform that streamlines and simplifies subscription management & recurring billing for Mid-Market/Enterprise businesses. Integrating with 16+ gateways, a plethora of technologySalesforce, Zendesk, Netsuite, Avalar, Xero, etc.and supporting multiple payment methodsincluding PayPal, Wallet, ApplePay, Recurly works seamlessly with how you do business. Grow revenue, recover and industry-leading 70% of failed transactions, and increase efficiency.

Additional details about Recurly:

Pricing: Freemium
Twitter: @recurly
Website: recurly.com

Businesses using Recurly:

30. Veem

An online payment service provider.

Additional details about Veem:

Twitter: @GoVeem
Website: veem.com

Businesses using Veem:

31. Ko-fi

The friendly way for fans to support your work for the price of a coffee.

Additional details about Ko-fi:

Pricing: Freemium
Twitter: @kofi_button
Website: ko-fi.com

Businesses using Ko-fi:

32. Book Like A Boss

A free appointment scheduling software with Payment & Calendar scheduling app Integrations.

Additional details about Book Like A Boss:

Pricing: Freemium
Twitter: @booklikeaboss
Website: booklikeaboss.com

Businesses using Book Like A Boss:

33. Signifyd

Chargeback protection.

Additional details about Signifyd:

Pricing: Freemium
Twitter: @signifyd
Website: signifyd.com

Businesses using Signifyd:

34. Revenuecat

Is a powerful, secure, reliable, and free to use in-app purchase server with support for Apple, Google, and Stripe payments.

Additional details about Revenuecat:

Pricing: Freemium
Twitter: @RevenueCat
Website: revenuecat.com

Businesses using Revenuecat:

35. Clover

Customized point of sale devices that make running your business easier & accepting payments from customers seamless.

Additional details about Clover:

Pricing: Freemium
Twitter: @clovercommerce
Website: clover.com

Businesses using Clover:

36. Paywhirl

Makes it easy to create and manage recurring payment plans online. It removes the hard work necessary to code all the pages that allow your customers to sign-up for subscriptions, make payments, create customer accounts and manage their own customer data.

Additional details about Paywhirl:

Twitter: @paywhirl
Website: paywhirl.com

Businesses using Paywhirl:

37. zip

Using your account and credit line, you can make purchases which you then pay back in regular installments.

Additional details about zip:

Twitter: @zip_au
Website: zip.co

Businesses using zip:

38. iCard

Computer Definition (1) (Internet CARD) An electronic postcard (e-card) service from Apple that was discontinued in 2008.

Additional details about iCard:

Pricing: Freemium
Twitter: @icard_wallet
Website: icard.com

Businesses using iCard:

39. Payment Express

PCI compliant payment gateway for merchants worldwide accepting credit & debit cards in retail, online, call centre, OPT/UPT & vending environments.

Additional details about Payment Express:

Pricing: Freemium
Twitter: @PaymentExpress
Website: paymentexpress.co.nz

Businesses using Payment Express:

40. Flywire

The Leading Provider of International Payment solutions for the Education Industry.

Additional details about Flywire:

Pricing: Freemium
Twitter: @flywire
Website: flywire.com

Businesses using Flywire:

41. Kickpay

Data driven inventory financing for hardware companies.

Additional details about Kickpay:

Pricing: Freemium
Twitter: @kickpay
Website: kickpay.com

Businesses using Kickpay:

42. Wordpay

A payment processing company.

Additional details about Wordpay:

Pricing: Freemium
Twitter: @Worldpay_Global
Website: worldpay.com

Businesses using Wordpay:

43. Laybuy

An approved payment gateway.

Additional details about Laybuy:

Twitter: @PaybyLaybuy
Website: laybuy.com

Businesses using Laybuy:

44. Payment Rails

Simplifying global payouts for online marketplaces, share economy, crowdsourcing platforms, app stores, affiliate platforms, and many more.

Additional details about Payment Rails:

Twitter: @paymentrails
Website: paymentrails.com

Businesses using Payment Rails:

45. Skrill

An e-commerce business that allows payments and money transfers to be made through the Internet, with a focus on low-cost international money transfers.

Additional details about Skrill:

Twitter: @skrill
Website: skrill.com

Businesses using Skrill:

46. Payment Work Suite

A new high-performance payment platform whose deep, multi-layer security provides peace of mind to customers.

Additional details about Payment Work Suite:

Website: paymentworksuite.com

Businesses using Payment Work Suite:

47. ViaBill

A payment solution for purchases of up to 2.000 kr. ViaBill enables you to “buy now and pay later” in four equal monthly installments, interest-free.

Additional details about ViaBill:

Twitter: @viabill_hq
Website: viabill.com

Businesses using ViaBill:

48. Payworks

Payworks is a leading expert in the field of total workforce management solutions, providing cloud-based Payroll, Human Resources, Employee Time, and Absence Management to businesses across Canada.

More About Payworks

Payworks offers a total suite of fully-integrated workforce management solutions. Clients can easily enhance their Payworks experience with additional modules including HR, Time Management, Absence Management, Applicant Tracking, HR Advisory Services, Workforce Analytics, and Employee Self Service.
A dedicated & knowledgeable service representative will be there to answer your complex questions relating to payroll legislation or to guide you on how to use their products.

Pricing Details

For 1 week and 10 employees plan starts from $40.90

Unlimited payroll preview functionality
Online and mobile access to pay statements
Includes management report package
For more pricing details visit their website as they have custom plans as per your need.

Additional details about Payworks:

Pricing: Paid
Twitter: @PayworksInc
Website: payworks.ca

Businesses using Payworks:

49. Service Provider Pro

Service Provider Pro is a client portal software with integrated billing, messaging, and client management tools. Your clients, payments, and projects in one place.

More About Service Provider Pro

Service Provider Pro brings your clients, payments, messages, and projects under one roof, so that you can scale your business while keeping your clients happy.

Drag & drop builder lets you create beautiful order forms that get clients signed up and into your system. Customers get access to a fully white-labeled portal where they can see the status of their projects and manage their billing – all without having to email you.

Your team can see what they need to work on, including client's onboarding information, past messages, and due dates.

To help you automate your workflows, Service Provider Pro integrates with Zapier and Make. Native integrations with MailChimp, ActiveCampaign, and Klaviyo help you run email campaigns to your leads and clients. A Google Analytics connection provides accurate data on your sales funnel.

The unique feature set makes Service Provider Pro a go-to platform for fast growing productized businesses.

Pricing Details

Free 14-day trial

Basic: $129/month

Everything in Starter and…
5 team members included
Use with your own domain
Helpdesk module

Pro: $299/month

Everything in Basic and…
10 team members included
Edit your client-facing pages
Create a reseller program
Remove “Powered by”

Custom Enterprise plan includes 50 seats, API access, tailored onboarding, and more.

Additional details about Service Provider Pro:

Pricing: Paid
Twitter: @twitter.com/spp_app
Website: spp.co?via=starterstory

Businesses using Service Provider Pro:

meet the author

Pat Walls

I'm Pat Walls and I created Starter Story - a website dedicated to helping people start businesses. We interview entrepreneurs from around the world about how they started and grew their businesses.

See full profile