List of the Top 15 Free 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.

Computop offers its clients cutting-edge omnichannel payment processing and fraud prevention solutions tailored for both ecommerce and point-of-sale transactions. With the Computop Paygate, businesses ranging from retailers to service providers and industrial firms can select from an extensive array of over 350 payment options. Operating on a global scale, Computop has established a presence in both Germany and the United States. For more than 25 years, the company has partnered with prominent international brands, including C&A and Fossil. Each year, Computop facilitates transactions totaling USD 33 billion across 127 different currencies, showcasing its significant impact in the payment processing industry. This extensive experience underscores Computop's commitment to delivering reliable and innovative financial solutions to its diverse clientele.

Managing your business has never been simpler! Pencil In is a cutting-edge appointment management system that creates a seamless connection between you and your clients. It is designed to enable you to take control of your operations while conserving valuable time. Numerous features are available to streamline your professional routine, making it easier than ever to stay organized. Central to your business operations is your service schedule, and the Pencil In Scheduler makes it effortless for clients to find and book your services. By regularly updating your Pencil In Schedule, you empower clients to take charge of their own bookings. They can easily browse through the schedule using personalized filters, schedule an appointment or class, update their profiles, and select their preferred payment methods. With all your appointments and classes displayed in one organized interface, you can efficiently manage your entire calendar. Furthermore, the Pencil In Scheduler allows you to keep track of your daily sessions as well as your team’s activities, ensuring you maintain control and oversight effortlessly. This innovative system fundamentally changes the way you engage with your clients and optimize your time, enhancing both productivity and customer satisfaction. You will discover that your workflow becomes more fluid as you embrace the advantages of this remarkable scheduling tool.

MONEI simplifies every aspect of payment processing. With MONEI, you can seamlessly accept both online and offline payments, integrating it into your website or online store effortlessly, often requiring just a single line of code or even none. This platform not only safeguards against fraud but also facilitates refunds, all while supporting your business growth. It's the most straightforward and cost-effective method for generating revenue through your website. Easily manage your finances You can transfer funds online safely and transparently, without the need for cumbersome paperwork or compliance hassles to start accepting payments for your business. Integrating MONEI can significantly enhance your conversion rates, offering unparalleled features and capabilities that stand out in the market. Its ease of use is remarkable MONEI was crafted to ensure that anyone can navigate it with confidence. Imagine tomorrow when your six-year-old child embarks on a journey to dominate the business landscape; with just a few clicks, they can achieve their goals using MONEI. This platform is designed to empower users of all ages, making the process both enjoyable and accessible.

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.

eMerchantGateway, built on one of the world's most extensive infrastructures for payment gateways, emerges as a trustworthy option for processing payments through multiple channels, including online, telephone, and postal services. The platform boasts a secure, fast, and reliable design, equipped with a suite of tools specifically for efficiently managing card-not-present transactions. To ensure top-notch payment security, it adheres fully to PCI-DSS compliance standards. Users benefit from easy access to a comprehensive management interface via a web browser or a dedicated application. The service also offers a virtual terminal designed for handling telephone or mail orders, along with features for creating invoices and web forms to facilitate online payments. Customers have the flexibility to tailor recurring billing options according to their specific needs. With 18 customizable fraud prevention modules, the platform can be adjusted to meet diverse business demands. In addition, eMerchantGateway offers comprehensive reporting, allowing businesses to track transactions in real-time, alongside batch and instant payment processing capabilities that incorporate mobile integration. This adaptability to various industries ensures that eMerchantGateway's software solutions cater not only to furniture and restaurant sectors but also to non-profits, providing tailored tools for every client’s distinct requirements. Such versatility solidifies its position as an ideal choice for businesses looking to enhance their payment processing efficiency and security.

Payment solutions designed for online retailers facilitate virtual credit card transactions and streamline the processing of both debit and credit cards, in addition to handling ACH transfers efficiently. Such software is essential for enhancing the payment experience for customers while ensuring secure and swift transactions.

Your payment transactions are managed with utmost security, incorporating advanced data protection techniques. We comply with the PCI DSS LEVEL-1 standards and utilize SSL encryption that fulfills the stringent requirements set by global credit card organizations. Our platform allows for the seamless issuance of digitally signed invoices via email, supporting a variety of payment methods such as credit cards, PayPal, and direct bank debits. Moreover, users have the ability to manually generate invoices for cash or check payments. This invoicing system is duly recognized and sanctioned by the income tax authority, ensuring it meets compliance standards and reliability. Customers can access a free application that is compatible with both Android and iPhone devices, which provides features for managing debit and credit transactions as well as viewing transaction histories. Additionally, users have the option to connect an EMV credit card reader through Bluetooth technology, offering enhanced transaction versatility. This payment solution is designed to adapt to your evolving business needs, supporting payments via mobile devices, standalone clearing terminals, any computer or tablet, and facilitating integration with management software and e-commerce platforms. In addition, it includes full integration with PayPal, including the automatic generation of invoices, further simplifying your payment workflows. With this extensive range of features, handling your financial transactions has never been more streamlined or effective, thereby empowering business growth.

PayXpress mPOS is an adaptable payment solution that features a multicurrency and multi-brand QR code scanner, compatible with widely used platforms such as WeChat Pay and Alipay, while also incorporating NFC and camera card scanning functionality. It offers payment confirmations via SMS or email and enables offline transactions through telecom IVR, allowing for the management of various bank and merchant accounts. The system is crafted to elevate the customer experience by incorporating a variety of personalization options tailored for international consumers, making them feel appreciated and at ease. By providing reliable payment methods in multiple languages and currencies, it serves all customers, including those with visual impairments or disabilities. Leveraging cutting-edge technologies, PayXpress mPOS enhances in-store interactions, ensuring customers can choose their preferred payment methods both now and in the future. Additionally, the platform optimizes business operations with features designed for specific industries, promoting a cohesive omnichannel commerce experience. Users can take advantage of a comprehensive dashboard that delivers a unified view of payment information, which simplifies interactions across all sales platforms and devices. This all-encompassing strategy not only improves the overall customer journey but also adapts to the evolving preferences of shoppers, paving the way for greater customer satisfaction and loyalty.

No matter the scale of your organization, Cheddar Up offers an intuitive platform for effortlessly collecting money and forms online. The procedure for gathering funds has been remarkably streamlined; simply create a page, add the required items or form fields, and share the link to begin receiving payments. All tracking is managed for you, and the process of transferring funds to your bank account incurs no charges. Every day, numerous groups are uncovering creative and effective methods to leverage Cheddar Up for their fundraising initiatives within the community. Whether it's for membership contributions, HOA fees, tuition payments, spirit wear sales, troop donations, collective gifts, after-school programs, events, fundraisers, or beyond, Cheddar Up proves to be incredibly versatile. Delight your community with a polished and straightforward payment experience that does not necessitate any apps or accounts. You have the option to utilize professional-grade payment templates right away or customize the design to reflect your group's identity effortlessly. Furthermore, accepting payments in person is a breeze with our mobile applications and Bluetooth card readers, ensuring all transactions are integrated within Cheddar Up. This user-centered service makes it easier than ever to manage payments efficiently, offering adaptability that caters to your unique requirements. As organizations continue to embrace digital solutions, Cheddar Up stands out as a modern choice for seamless financial interactions.

CDGcommerce provides top-notch merchant services with a steadfast commitment to safeguarding the interests of our clients. We deliver solutions that minimize risks, decrease expenses, and streamline the payment acceptance process, whether online, in-store, or on-the-go. At CDG, you are more than just a number; you are an individual. Regardless of whether you are a budding startup or an established enterprise handling millions, we cherish every merchant relationship. Our committed staff takes the time to understand your business and you personally, fostering a first-name rapport. CDG also features a complimentary gateway for processing credit card transactions online or through a virtual terminal, tailored to meet your requirements while avoiding unnecessary costs. Additionally, we offer a free terminal placement program designed for brick-and-mortar establishments, ensuring your equipment remains up-to-date and resilient against future changes. With a focus on transparency, control, security, and a supportive team, we ensure you can concentrate on what truly matters: expanding your business and achieving your goals. By prioritizing your needs, we strive to be a partner in your success.

Red Maple™ provides sophisticated credit card processing solutions tailored for MS Dynamics, AX 2009/2012, allowing companies around the world to manage their credit card transactions with ease. This comprehensive system is equipped with various features aimed at simplifying payment processing and improving financial oversight for businesses. By leveraging these capabilities, organizations can optimize their payment workflows and achieve better financial visibility.

Dynamic Merchant Solutions is recognized as a leading provider of merchant services in Los Angeles, offering tailored payment solutions for businesses of all sizes across diverse industries. As one of the premier firms in the region, we pride ourselves on our unwavering commitment to honesty and reliability. Our dedicated team is focused on delivering transparent and professional services, ensuring that we honor every promise made to our clients. With a comprehensive suite of merchant services available in Los Angeles, CA—including EMV solutions, gift card programs, advanced POS systems, and mobile processing—we enhance payment efficiencies and elevate customer satisfaction. Our objective is to empower enterprises by making their payment processes not only streamlined but also customized to their unique requirements. Additionally, we continuously seek feedback from our clients to refine and improve our offerings, ensuring we remain at the forefront of the industry.