CardWatch Alternatives: Top 10 Payment Processing Software in 2025

Chargezoom is an important recurring billing software that helps businesses to automate and simplify their billing and payment procedures in real-time. It does so by introducing various integrations from other popular apps. Thus making it quite easier for businesses to set up and distribute subscriptions besides managing recurring payments. The software automates sync between payments proceedings and invoice generation so that users don’t have to reconcile the entire payment collection task ever again. Chargezoom just emails the invoices along with the payment links and notifies users whenever payments are made. Moreover, a variety of pre-built integration facilities are present within the same for FreshBooks, QuickBooks Online, QuickBooks and Xero platforms. Other accounting packages are also on the way that many customers would love to have as payment options. Moreover, customers can save multiple checking accounts or credit cards in the PCI compliant vault of the software, besides generating automated payment reminders through emails by sending “Pay Now” links to them.

Collexo is a complete payment solution for professionals that makes fee collection faster, easier, and more secure than ever before. With Collexo, users can manage and streamline their entire payment process, from the initial collection of funds through payment authorization and processing to final record keeping. Their platform offers superior security for their sensitive financial data with features such as fraud detection and advanced encryption capabilities to make sure that their transactions and data remain safe. With Collexo, they’ll save time and money by automating their payment process with features such as automating payments, scheduling recurring payments, and streamlining financial reporting. Collexo also offers an intuitive and easy-to-use dashboard for you to keep track of their finances, giving them the data they need, when they need it. With Collexo, they can be confident that your payments are secure, processed quickly and efficiently.

Echurn AI-driven platform helps them understand why customers cancel and provide customized offers to prevent it from happening. With Echurn, setting up their cancellation process is a breeze. Simply create a free account and connect their Stripe account or use Webhook. No need to worry about coding or technical know-how. This no-code tool allows them to easily build, preview, and share their cancellation flow. And with this code embed feature, it's compatible with any web framework. But that's not all, Echurn doesn't just stop at preventing churn, we also help them retain more customers. This platform allows them to show customers different attractive deals, such as pausing their subscription, discounts, and custom links. And with these AI-driven suggestions, they can adjust their offers to fit each individual customer's needs. This goal at Echurn is to make it simple for them to reduce their SaaS churn. As a professional and informative solution, we offer a third-party perspective on their customers, giving they valuable insights on why they cancel. They understand the importance of keeping their customers, and that's why we provide them with the tools and support to do just that.

Square Payments is a payment processing solution for enterprises and small businesses alike. The software makes card payments a seamless fast and secure option to proceed with, eliminating extra fees, no tricks and long term contracts. Businesses whether selling in person or online can trust Square Payments with their seamless payment process management. An inbuilt calculator made available within the software helps users to get a detailed estimate of their product-wise costs and related processing fees. Moreover, embedded facilities like Square Sales and Square Checking helps users transfer the received amount into an external bank account within the next business day or in an instant. Security being the prime concern, Square Payments abides by PCI regulation and other stringent industry requirements to eliminate out unwanted hassles and suspicious activities alike. The software can also be used to process remote payments, manual payments, send digital invoices, set up ACH payments and online stores besides checking out links.

SecurePay is a trusted online payment gateway provider in Australia, that comes equipped with an integrated, secure and flexible user interface. Businesses can depend on the solution to accept payments online, view reports in detail and leverage access to local support as well, facilitating seamless day to day transactions on the go. At present, active integration with Apple Pay helps businesses in an efficient manner. An inbuilt dashboard made available within SecurePay lets businesses set up day to day reports and get a clear overview of transaction history as per convenience. They can also streamline total control over customer checkout experience and allow the latter to schedule once-off payments as well. Data stored within SecurePay is completely safe, protected under award-winning anti-fraud and security metrics. The platform is also compliant with PCI regulations, eliminating out all potential chances of fraudulent activities in an efficient way. Other notable functionalities include multi-payment method compliance, local Australian support, simple setup and exclusive integration.

Billberry POS is point-of-sale software that assists you to minimize complications such as double payment, erroneous billing, and so on, by keeping track of your payments against your procurement.Precision procurement saves you a lot of money. Whether your procurement is centralized or decentralized, you need to keep a close check on it to accurately estimate costs.It has a vast list of features such as - You may keep track of how much production is being handled in relation to your demand. Their advanced production management keeps your team informed about the amount of raw material needed to meet your total demand for finished/semi-finished meals.One of their most beneficial features is their point-of-sale system. an Omni-channel POS with established smart strategies to maximize your returns. Cross-selling and upselling, schemes and offers, QR Code-based ordering, 3rd party delivery integration (Zomato, Swiggy), or setting up your online store, can help you increase your sales.With a real-time stock & inventory tracker for any location, whether it's a central kitchen or a store, you can effortlessly keep track of your supplies.

Billycart delivers exceptional value to businesses and their customers. Add a subscription offering in minutes with our seamless, self-service integration.

Limonetik is a payment gateway designed for modern industries of the new generation for carrying out their day-to-day business operations. It enables the organization to accept payments all around the globe and provides the users with the option to create their own payment methods. This platform also eliminates the complexities in the flow of payments, thus increasing the productivity of the organization. Users even get the option to reconcile their statements for checking the transactions taking place within the organization. Limonetik enhances the scalability of the marketplace business models by enabling remittance that is specifically designed for them. This software can be tailor-made as per the requirements of the industry, thus enabling the users to customize their websites and checkout pages. You can keep track of the particular transactions and the payment requirements associated with them. Limonetik boosts the payment efficiency of a business by providing them with the opportunity to manage secured payments from the client base.

As a business owner, it's important to be able to accept payments from customers all over the world. With the right platform, can also gain insights into transactions, reduce costs, and boost acceptance rates. Pay employees, get paid, and manage cash flow all in one place with a platform that makes payments simple.

Secure the customers' card details and build trust, while complying with payment-security and data-protection regulations like PCI DSS, CCPA, and GDPR, and avoiding unwanted penalties or surcharges with Paytia's Secure Virtual Terminal. This secure cloud-based service integrates with all major payment providers, making it easy to deploy, configure to specific needs and use. Paytia keeps customers' sensitive card information secure by allowing them to input the data directly to their seller’s bank via keypad entry, without the seller seeing or hearing the information.

AtomPay is a payment network designed specifically for solo entrepreneurs, allowing them to collect and process payments quickly and efficiently from their audience, community, and social media. It aids in the realisation of one's earning ambitions. It simplifies payments for what one is currently doing and allows them to define their own value. In addition, AtomPay makes it simple to collect payments for writers, consultants, artists, content creators, and gig workers. It is simple to set up a shared store or profile that is geared for sales and may be used to generate money almost instantly. AtomPay now interacts with PayPal and Stripe, making it simple to convert anybody into a paying client by sending a custom URL on social networks, directly with potential purchasers, or in-person via barcode. Furthermore, AtomPay may be accessed by both the buyer and the seller through a single URL; no downloads are necessary.

QuickBooks Payments is a cloud-based Payment Processing Software. It might seem like credit cards and digital payments have taken over, but cash is still a widely-used form of payment for in-person, one-time purchases. Checks are still a popular form of payment, particularly for settling invoices. Much like accepting cash, check payments are also pretty straightforward. Automated Clearing House (ACH) payments occur when money is transferred from one bank account to another. Businesses accepting credit cards offer convenience and flexibility for customers. They can be used for remote or in-person purchases or one-time and recurring payments.

PayJunction is a contactless payment processing service helping out businesses with remote payouts and contactless payments on the go. The particular can be used to recharge accounts, streamline in-person payments, search out for transactions, process ACH, monitor batches and track key-in credit cards as well. Also, real-time financial reports provided by the software helps businesses gain access to proper insights showcasing the present financial health and implement changes accordingly. Multinational firms dependent on PayJunction can merge different merchant accounts within a single login platform, monitor different batches from a single place facilitating seamless reconciliation and adjust user-based permissions depending on their current designations. A people-first approach followed by PayJunction has earned them a 98.18% customer satisfaction score and 3k+ love letters from individual clients. Also, the solution is PCI Level 1 compliant enabling accurate security of the stored data. To facilitate self-service, the software comes loaded with a variety of blogs covering different topics, related to contactless payment solutions made available within the same.

Payfirma is an award-winning payments company that helps businesses accept credit and debit cards online, in-stores, and on mobile devices. Over 8,000 businesses across North America use Payfirma’s payment tools to get paid easily and keep all transaction data in one, simple place. When businesses use data to make decisions abut customers, products, and employees, they run smarter, more successful companies.

Paysafe Limited is a leading specialized payments platform. Its core purpose is to enable businesses and consumers to connect and transact seamlessly through industry-leading capabilities in payment processing, digital wallet, and online cash solutions. With over 20 years of online payment experience, an annualized transactional volume of US $92 billion in 2020, and approximately 3,400 employees located in 12+ global locations, Paysafe connects businesses and consumers across 70 payment types in over 40 currencies around the world. Delivered through an integrated platform, Paysafe solutions are geared toward mobile-initiated transactions, real-time analytics and the convergence between brick-and-mortar and online payments.

Omise is a smart payment gateway platform for processing online payments for web technology companies. It enables you to accept and manage online payments with its full-featured payment gateway. With Omise, you get a comprehensive collection of payment tools that enable quick, flexible, and smooth online payment experiences, allowing you to leverage company potential and accelerate development. You get checkout forms that have been pre-built and offer a simple and fast method to begin receiving payments without having to start from scratch. With Omise, you can allow international consumers to pay you in the currency they are most familiar with. You can also allow your consumers to pay in installments. The API of Omise platform improves your workflow and automates most of the operations that you can conduct in the dashboard. You can streamline the process of depositing funds into third-party bank accounts. You can get real-time information on all transaction events that occur on your account. Additionally, you can use existing libraries and SDKs that are accessible in most languages to speed up your integration.

Stripe Payments is a software that permits individuals as well as businesses to receive online payments by providing the essential banking infrastructure, technical expertise and fraud prevention, required for the successful operation of online-payment systems. Stripe speaks of an extremely easy-to-use interface and boasts of a very responsive customer service which makes it quite popular and in-demand payment gateway all across the globe. With a reliable and useful API, Stripe is one such payment gateway which comes with built-in analytics like Sigma and Radar where Sigma stands as their reporting tool and Radar provides advanced fraud protection. Another unique feature of this flawless payment gateway is that it provides a free card swiper that connects to any phone in no time at all, thereby letting you execute transactions very smoothly even while on the go. Hence, Stripe strikes the right cord, required to execute payments over the internet, with complete ease and security.

Pin Payments gives you a flexible platform for accepting card payments from your customers. Pin Payments allows you to accept payments in many major and minor currencies, allowing you to offer localized pricing for international customers. Your Pin Payments dashboard provides customer tokenization which allows you to securely store your customer’s credit card for future transactions, in a secure and PCI compliant manner. Docmosis is looking to offer its customers the option to pay in currencies other than AUD. With Pin Payments, Docmosis can accept online card payments in multiple currencies from a single payment provider.

Shift4 Payments is a secure payment processing solution that pioneered the industry's first payment data tokenization system, which substitutes stored card data with a unique, alphanumeric value that is unusable in the hands of data thieves. Its PCI-validated P2PE technology encrypts cardholder data at the terminal, ensuring that sensitive cardholder data is never sent to the merchant's environment. With Shift4 Payments' end-to-end solutions, you can simplify the payments processes. You can use ironclad security technologies to protect your clients' data. On their worldwide commerce platform, you can dramatically grow your business. With the newest payment technologies, you can secure your company's future. Also, with the lowest costs to accept payments, you can save money. You may provide your company with a competitive advantage by using mobile POS and contactless technologies, both of which provide speed and ease. Whether your customers pay in-store or online, you provide a uniform and frictionless transaction experience.

Clearent by xplor is a comprehensive payment processor that utilizes its proprietary payments platform to simplify and enhance the profitability of its sales partners' business operations. With Clearent’s Empower Program, you can legally share your credit card processing costs with your customers. Cash discounting, non-cash adjustments, and surcharging result in real savings that you can reinvest in your business and watch it grow. Clearent's commitment to honesty and transparency has made it one of the most trusted companies in the industry.