List of the Top 17 Credit Card Processing Software in 2025

Square POS is an easy-to-use point-of-sale solution that offers a comprehensive array of features for managing various retail operations. Users can efficiently track inventory and sales, process payments online, and issue digital receipts. This versatile system is compatible with both Android and iOS devices. Notably, Square POS can operate offline by saving transaction data locally, automatically syncing with the cloud once an Internet connection is reestablished. Users can keep track of essential details like product names, pricing, and quantities with ease. Additionally, it includes functionalities such as barcode scanning, discount applications, credit card processing, gift card management, and the ability to handle refunds, making it a valuable tool for businesses of all sizes. With its user-friendly interface and robust capabilities, Square POS is designed to enhance the overall customer experience while streamlining operations.

Quickly and effortlessly accept all types of payments with a focus on security and simplicity. Whether you're selling in-store or online, processing card payments is seamless and straightforward. The invoicing process can be efficiently managed, allowing for easy creation, sending, and tracking. If your customer isn't present, remote credit card transactions can be processed over the phone or through your computer. Square simplifies the experience of establishing and expanding your online store, enabling you to receive payments smoothly. With Square, accepting card payments is designed to be fast, secure, and hassle-free, ensuring there are no hidden fees or lengthy contracts involved. Trust in the reliability of rapid and secure payment processing to enhance your business operations. Additionally, you can focus on what you do best while leaving the complexities of payment handling to Square.

Toast POS is a versatile platform designed specifically for the restaurant and food service sector. With this system, restaurant proprietors can swiftly respond to evolving market trends and customer demands by utilizing features like online ordering, delivery services, takeout options, and mobile app functionality. Being a cloud-based solution, Toast POS grants users the convenience of accessing their restaurant information from virtually anywhere, using any device. The robust reporting and analytics tools within the platform empower restaurant managers to uncover cost-saving opportunities, showcase top-selling dishes, and make informed business decisions. This adaptability makes Toast POS an essential asset for any food service establishment looking to thrive in a competitive landscape.

Our merchant processing platform features a unified and user-friendly interface that allows for effortless navigation. This payment system boasts an array of integrations and supplementary functionalities that broaden its scope, enabling you to provide added convenience to your customers. In the quest for a flawless transaction experience, this all-in-one credit card processing solution truly excels. Through this extensive portal, you can gain immediate insights into your business's payment processes or examine individual transactions for activities such as issuing refunds, canceling transactions, or re-sending and printing receipts. Moreover, you can assess customer trends by identifying new versus returning patrons and their preferred payment methods, including magstripe cards, EMV chip cards, or contactless options through mobile devices. All these sophisticated transaction management features are accessible in real-time, seamlessly linking with your POS reporting framework, which keeps your business adaptable and responsive to client demands. In addition to streamlining your operations, this powerful system equips you with essential data to improve your overall service delivery, ensuring that you can meet and exceed customer expectations with ease. This comprehensive approach not only enhances efficiency but also supports strategic decision-making as you grow your business.

Facilitate secure and compliant telephone payments while obtaining instant authorization with Paytia. This platform enables your customers to safely input their card information using their phone's keypad, which not only safeguards their data but also enhances their trust in your business. Additionally, it protects you from possible fines and penalties linked to breaches of payment security regulations. With Paytia's PCI-DSS certified phone payment solutions, customers enjoy the same robust security measures they would expect while shopping in physical stores or online, thereby removing the necessity for you to manage or store their card details. This streamlined process not only reassures your clients but also significantly simplifies your payment management system.

Broaden your business reach on a global scale with Tazapay, the dependable solution for cross-border payments. By eliminating the necessity for local partners, you can simplify your international transactions, making the process of global trade both effortless and effective. Tazapay provides a unified platform designed to optimize the collection of payments worldwide, guaranteeing that your financial processes operate without a hitch. Your funds are safeguarded until the shipment is verified, and should any delays occur, you are guaranteed a full refund, ensuring peace of mind. Once the products are shipped, the complete payment is swiftly released to you, eliminating the risk of buyers withholding funds as long as you fulfill your obligations. Serving as a reliable intermediary, Tazapay holds the buyer's payment until the vendor has provided the promised service. After confirming that the service has been completed, Tazapay promptly disburses the payment to the vendor without unnecessary hold-ups. All funds placed in escrow are strictly segregated and secured by leading banking institutions, operating within a robust regulatory environment. Furthermore, we manage all compliance and regulatory obligations, allowing you to concentrate on what you do best—growing your business. You can also customize the milestones for payment releases to align with the unique requirements of your organization. Our services encompass Know Your Customer (KYC) and Know Your Business (KYB) processes, along with meticulous verification of shipping documents, ensuring that you have complete confidence in every transaction. This thorough methodology not only secures each transaction but also facilitates your successful expansion into international markets, opening new avenues for growth and opportunity. With Tazapay, you're not just conducting business; you're building a global enterprise.

Our credit card processing solution is designed to work seamlessly with a diverse array of terminal and software options, including both mobile and EMV technologies. Regardless of your existing system, we can easily adapt to meet your needs. Our dedicated eCommerce team collaborates with you to identify the ideal online platform that ensures smooth payment processing and keeps you aligned with the latest technological advancements. Setting up an online store and integrating credit card processing is a straightforward process. Our primary objective is to equip you with all the necessary tools and support for running a thriving eCommerce enterprise. We pride ourselves on delivering exceptional service and providing free consultations at any time of the day. The BLUE POS All In-One system offers a comprehensive solution for managing your payment processes, boosting sales, and streamlining your operations right from the start. It features wireless connectivity to EMV/NFC payment devices and comes with optional peripherals, making it an excellent choice for businesses looking to enhance their transaction capabilities. Additionally, our commitment to customer satisfaction ensures that you will always have access to the resources you need to succeed.

Our platform enables the integration of financial services into your business seamlessly. Banking Offer provides FDIC-insured banking solutions for clients through a straightforward integration process. With features like ACH transactions and credit card processing, transferring funds becomes a hassle-free experience. Branded Cards allow for the quick creation of tailored or white-label cards, enhancing your brand's visibility. Global money transfer services facilitate sending and receiving funds internationally in various currencies. One embed offers FDIC-insured virtual accounts that enable customers to manage their finances, earn interest, pay bills, and perform transactions all in one location. Alviere's banking technology simplifies the embedding of For-Benefit-Of (FBO) accounts into your platform, allowing you to deliver personalized financial services to both clients and employees. By utilizing FBO accounts, you can monitor your finances in real time and select the most suitable services for your needs, ultimately enhancing your overall financial management. This comprehensive approach ensures that you can provide a variety of financial options to meet diverse customer demands efficiently.

We utilize cutting-edge technology while emphasizing compliance to secure our enduring position in the marketplace. Since we do not operate as brokers, clients can engage directly with the origin of our services. Our knowledgeable team recognizes the critical factors that drive the success of online businesses. The Merchant One payment gateway is designed with strong data protection, advanced fraud detection systems, and an array of intuitive options that aim to boost your success. Through our Virtual Terminal, transactions can be easily processed by entering or swiping cards on a secure platform that supports both credit and ACH payments. If you prefer to manage your own EMV Level 3 processor certification, you can directly access our comprehensive payment enablement platform via our API. We provide helpful integration examples for your applications alongside detailed integration guides and API documentation to facilitate your development. It’s crucial to remember that utilizing our APIs for payment device integration will require acquiring additional processor certifications, unlike our SDKs, to ensure a smooth integration journey. By leveraging our extensive resources effectively, you can refine your payment solutions and significantly improve customer satisfaction while also maximizing operational efficiency.

PaymentCloud Merchant Services delivers credit card processing solutions suitable for a diverse array of businesses. Our services cater to everyone, from large Fortune 100 corporations to small neighborhood shops, as well as ecommerce platforms and retail environments, accommodating varying levels of risk. We provide extensive integrations compatible with nearly all platforms, shopping carts, and CRM systems, empowering you to mitigate risks while enhancing your potential rewards. For a tailored experience and friendly service, reach out to one of our dedicated account managers who are ready to assist you. With PaymentCloud, businesses gain the essential support they require for growth and success. Boasting over 50 years of collective expertise in the payments sector, we are committed to your prosperity. Our straightforward setup process, alongside reliable fraud prevention and chargeback management, ensures a seamless experience. Additionally, we offer a vast array of integrations and proudly serve industries that may face challenges, including those with low risk and high complexity.

PayWorld is dedicated to guiding both new and established enterprises through the complexities of payment processing, ensuring they enjoy the best rates and swift settlement times to avoid any payment-related challenges. The organization provides customized merchant account solutions tailored for startups as well as those looking to enhance their payment options. By offering a secure and efficient online trading environment, PayWorld optimizes potential success within the digital marketplace. If you're ready to embark on your online sales path but feel uncertain about how to begin, you have found the perfect partner. Our wide-ranging services are designed to meet the needs of all types of businesses, supported by a global network of rigorously selected partners recognized for their reliability and competitive rates. Moreover, we offer ecommerce solutions that cater to both low-risk and high-risk businesses, whether they are online or have physical locations. With PayWorld by your side, you can confidently advance your payment processes and open up new avenues for business growth. Our commitment to excellence ensures that you have the support and tools necessary to thrive in an ever-evolving market.

Regardless of whether you run a small business or oversee a large organization focused on keeping costs low, whether your operations involve subscription models or MOTO (Mail Order/Telephone Order) transactions, or if you belong to high-risk sectors such as gaming or adult entertainment, we will link you with the most dependable and affordable acquiring services available. Our goal is to deliver a robust and secure payment processing solution customized to fit the unique requirements of your enterprise. We serve all legitimate businesses that seek to accept major credit cards on their platforms and those in need of a virtual terminal for handling phone or mail orders. Furthermore, our services extend to high-risk merchants through our partnerships with various acquiring banks. Typically, consumers tend to spend more when using credit cards rather than cash or checks, as they associate businesses that accept credit cards with a higher level of legitimacy and trustworthiness, bolstered by the backing of credit card networks. Additionally, we offer third-party accounts for businesses operating internationally or offshore, providing a complete strategy for your payment processing demands. Ultimately, our offerings are designed to strengthen your business's reputation and boost its revenue potential, fostering growth and sustainability in a competitive landscape. This commitment to your success ensures that we remain a valuable partner in your business journey.

Our expert team is committed to guiding you through and avoiding the complex and unnecessary hurdles that often come with payment processing. We aim to make every transaction as efficient and secure as it can be. Enable your customers to make online payments in their preferred ways with our smooth integration of diverse payment options. Improve the experience of card payments with our state-of-the-art checkout solutions, which are specifically designed to reduce cart abandonment rates and increase transaction approvals. Seamlessly manage your merchant account and online operations with a cohesive, flexible, and integrated software platform. Moreover, you can accept payments through an extensive range of ecommerce platforms, in-app features, payment plugins, shopping carts, and customized solutions, all focused on enhancing your payment interfaces for greater customer satisfaction. Utilizing these features not only optimizes your payment processes but also significantly elevates your business's overall financial performance and customer experience. By embracing these innovative tools, you position your business for greater success in an increasingly digital marketplace.

The team responsible for professional development guarantees that Placard stays ahead in the realm of technological innovation. Functioning like a stronghold of cyber protection, this group delivers multi-layered defenses for both clearing and credit data. Their focus on system resilience is particularly vital for some of the industry’s largest clients, all while maintaining strict compliance with PCI and EMV standards. The division dedicated to professional services and support provides tailored assistance, emphasizing quick response capabilities. Regardless of whether you represent a major corporation with thousands of employees or are an individual trader, we offer a selection of clearing interfaces designed to meet your specific requirements. In addition, we have developed a sophisticated back-end management system that features extensive reporting capabilities and an internal credit adjustment tool. Our range of services also includes ERP clearing interfaces, point-of-sale systems, and bespoke clearing solutions suited for various office and retail settings, guaranteeing that each client benefits from the most effective operational setup. This unwavering dedication to flexibility and progress solidifies our position as frontrunners in the financial technology arena, constantly pivoting to meet the evolving demands of our clientele.

Seamlessly incorporate international payment solutions via a unified API that leverages cutting-edge artificial intelligence and machine learning technologies. Boost your conversion rates, reduce chargebacks, and build genuine connections with your clientele. Our smart system effectively channels transactions to the most appropriate acquirer, ensuring smooth acceptance consistently. Revolutionize your payment strategies with tailored, efficient approaches that yield remarkable conversion rates. Say farewell to chargebacks and fraudulent activities, as our advanced technology protects your enterprise by mitigating disputes and keeping malicious entities at bay. Broaden your payment capabilities on a global scale, significantly enhancing your financial performance. Effortlessly manage card transactions across the globe while taking advantage of cost-effective local options. Unlock growth opportunities for your business by relying on our extensive expertise in online payment processing. Partner with a reliable team to improve your service offerings and strengthen your relationships with clients, ultimately fostering business success. Furthermore, this collaboration can pave the way for innovative solutions that evolve alongside the dynamic market landscape, ensuring you remain competitive and responsive to customer needs.

Payclair offers an easy-to-use and cost-effective payment solution suitable for any business type. With straightforward and affordable processing for credit and debit card transactions, it functions seamlessly with or without a point-of-sale system. This service is particularly beneficial for restaurants, whether they have a point of sale system or not. Users can take advantage of existing integrations or design custom solutions leveraging our robust payment gateway. Moreover, payments can be accepted even in the absence of an internet connection, adding to the versatility of our service. If you need assistance, reach out to us or click the button below to connect with one of our knowledgeable experts who will guide you toward the ideal solution for your business needs. Payclair aims to provide effortless and user-friendly payment options for your clientele. Our comprehensive toolkit is tailored to support businesses of varying sizes and types. Additionally, Payclair's processing capabilities can automatically relay your financial information to QuickBooks Online, enhancing your accounting efficiency. With the Insights feature, we turn extensive transactional data into valuable insights regarding your customers and nearby competitors, helping you make informed business decisions. This not only aids in understanding market trends but also empowers businesses to stay competitive in an ever-evolving marketplace.

Since 1993, BankCard USA has emerged as a leading provider of merchant services, serving both new ventures and established enterprises with a diverse range of credit card processing options. Our services enable businesses to accept payments online via a payment gateway, in-store with credit card terminals, through telephone transactions using virtual terminals, and even on-the-go with mobile credit card processing applications. Whether you are in search of a merchant account suitable for low or high-risk profiles, comprehensive omnichannel payment solutions for larger corporations, or a simple credit card machine for a small business, our dedicated team works alongside you to pinpoint the most suitable payment processing solution that aligns with your unique business goals and needs. Among the numerous credit card processing companies, we guarantee the most attractive processing fees due to our exclusive bank-direct program. Our services facilitate the acceptance of various payment methods, including credit cards, debit cards, gift cards, electronic checks, and electronic funds transfers, all designed with a focus on your business's requirements. With a solid history behind us, we have effectively set up payment services for over 100,000 merchants, empowering them to flourish in their respective markets. Our unwavering dedication to customer satisfaction, combined with our innovative approaches, distinguishes us within the competitive field of merchant services and ensures that our clients receive the highest level of service possible. We continuously strive to adapt and evolve our offerings to meet the changing demands of the marketplace.