InvoiceCloud Alternatives: Top 10 Payment Processing Software in 2025

Chargeback is a cutting-edge chargeback prevention service designed to mitigate the risks associated with customer disputes. Seamlessly integrating with major payment processors like Stripe, PayPal, and Shopify Payments, Chargeback ensures businesses are always a step ahead. When a customer disputes a transaction, Chargeback's system instantly receives a notification and sends an alert to the merchant. The service then preemptively refunds the transaction, thus avoiding the chargeback altogether. This proactive approach helps reduce chargeback rates, lower fees, and prevent potential payment processor issues. Businesses can connect their payment processors in under two minutes, making the setup quick and effortless. By leveraging Chargeback's automated alerts and refunds, companies can focus more on revenue generation and less on the complexities of payment disputes. Start their business on the right foot with Chargeback, their reliable partner in preventing chargebacks and safeguarding their revenue.

Marqeta brings speed and efficiency to card issuing and payment processing with the world's first open API platform. Our platform was built from the ground up to power an innovative payment experience for many of the apps and services you enjoy daily.

MagicPay provides payment solutions to all types of merchants. They offer credit card processing through secure payment gateways. Process single or recurring traditional ACH payments on consumer and business bank accounts. Alternatively, accept eChecks online and get funded as fast as the same day with smart RDC and ICL technology. Integrate your own POS system, shopping cart, or software. User-friendly online API and mobile SDK interface. Flexible back-end processor selection. Superior first-class customer support is just one call away, available 24/7.

Songhai Exchange is a futuristic Pan-African payment network that helps users with cash pick up, bank transfers, bill payments and mobile money transfers across Africa. The platform by disintermediating payments within Africa reduces, costs, shortens timings and removes middlemen in real-time. Businesses depending on the particular get to connect with international organisations on the go. They can also schedule their own foreign exchange rates and fees, resulting in a cost-effective payout connection all over Africa. Moreover, an efficient plug and play feature of Songhai Exchange helps mobile money operators and banks with constant, cost-free and effortless remittance flows. Also, it facilitates a seamless connection between the user’s organisation and other trusted African banking and payout partners, enabling unified payments and transparent monetary practices without the need for middlemen. The Pan African business network featured by Songhai Exchange includes FirstBank of Nigeria and First City Monument.

Mangopay offers a modular payment infrastructure designed to meet the evolving needs of platforms and marketplaces. With flexible e-wallet technology, it allows platforms to seamlessly collect, move, split, reuse, and reconcile funds, all while embedding powerful fund management capabilities directly into the user experience. This flexible payment processing software enables dynamic card, bank, and alternative payment flows that boost conversion rates and drive revenue growth. Mangopay’s robust KYC and KYB verifications cover freelancers, individuals, and businesses across 170+ countries, ensuring compliance with ease. It also facilitates secure global and local payouts in multiple currencies, providing fast, cost-effective options that can be scheduled or executed on demand. Cross-border transactions are streamlined to optimize currency conversion and reduce exposure to foreign exchange risks. To ensure platform security, Mangopay leverages an AI-driven fraud prevention system that analyzes user behavior and device data to detect potential fraud. With its scalable, future-proof payment solutions, Mangopay empowers platforms to deliver flawless payment experiences while simplifying complex processes.

PaySimple is a smart account and transaction management software that facilitates easy and simple finance management for businesses, individuals, and enterprises. PaySimple is used for making business transactions easier, and so does the business. PaySimple aims at automating what you can and setting up interrogations that allow you to see your full financial picture at once. As the name suggests, PaySimple makes transacting easier and safer. It reminds you of your upcoming payments, bills, etc. PaySimple’s unique software offers a better way for accepting payments, streamlining billing, and managing your database. If you own a small business then you definitely understand that accounting on your own is burdensome, but at PaySimple, they make this task easier, and help you manage your accounts and finances quickly with efficiency. PaySimple integrates all of your financial systems into one flow; automates your invoices to free up time; and puts financial visibility in your inbox with recurring reports. PaySimple is user friendly, it provides 24*7 customer assistance, and also provides trial for new users along with a variety of premium plans to choose from.

Opayo is a top-graded payment service provider that helps organizations grow their businesses faster by getting payments streamlined on time. MySagePay option offered by the solution, helps users get access to real-time analytics and reporting. That enables them to make future business decisions in an efficient manner. With a 99.99% reliability rate, the software offers an industry-leading gateway to its users, so that they can get paid as per their own convenience. The platform also provides tight protection against theft or fraud and helps enterprises in safeguarding the data of their client. Organizations can opt for a multi-layered fraud prevention approach to detect any suspicious transactions and always be protected from fraudulent payments. Further, Opayo comes with a seamless and easy integration mechanism that makes it compatible with the users' existing POS system. The virtual terminal within Opayo, helps enterprises monitor cashflow, accept payments in multiple modes and gain security against frauds. Moreover, Opayo appears with e-invoicing features along with 24/7 constant support.

Nuvei helps you securely manage your online and offline payments in a variety of businesses such as restaurants, bars, retail stores, hotels, hospitality, salons, spas and e-commerce. This platform allows developers to design, test, launch, and implement custom payment systems.Nuvei's online payment module allows businesses to receive payments in credit / debit cards, mobile wallets, eCheck, NFC, and other modes. It provides a variety of features such as point-to-point encryption (P2PE), PCI compliance, hosted payment pages, fraud prevention, and tokenization. In addition, organizations can personalize the interface of hosted payment pages, set up subscription or membership recurring billing, and process payments, refunds, or transactions in real time. Nuvei helps you securely manage your online and offline payments in a variety of businesses such as restaurants, bars, retail stores, hotels, hospitality, salons, spas and e-commerce. This platform allows developers to design, test, launch, and implement custom payment systems.Nuvei's online payment module allows businesses to receive payments in credit / debit cards, mobile wallets, eCheck, NFC, and other modes. It provides a variety of features such as point-to-point encryption (P2PE), PCI compliance, hosted payment pages, fraud prevention, and tokenization. In addition, organizations can personalize the interface of hosted payment pages, set up subscription or membership recurring billing, and process payments, refunds, or transactions in real time.Nuvei supports integration with various e-commerce platforms and payment gateways such as WooCommerce, OpenCart, Magento, WordPress, Google Pay and Apple Pay. Detailed pricing information is available on request and support is available by phone, email or other online means.

Creem is the payment partner designed for businesses that value simplicity and transparency in API integration. Built for ease of use, Creem simplifies payment processes, creating a seamless experience for both developers and end-users. Its intuitive interface shortens integration time, helping businesses save resources while boosting efficiency. With transparency at its core, Creem offers clear, honest pricing—no hidden fees or confusing terms—so companies can focus on growth instead of navigating financial complexities. Equipped with advanced security features and reliable support, Creem eliminates the headaches of payment processing, empowering businesses to deliver exceptional user experiences and scale with confidence. By choosing Creem, not just selecting a payment solution— partnering with a team that understands the goals and provides the tools to help to achieve them.

Payment.ninja is a payment processing software for online, in-store and on mobile activities. It offers payment forms that can be directly built into user websites, mobile sites or apps. It features omnichannel payments that enable users to accept payments online, over the phone, in-store or through the mobile app itself. They can also install the Payment.ninja widget onto their custom website or use the plugins for WordPress, WooCommerce and other e-commerce platforms to quickly set up payments. All the user data can be monitored in real-time using Payment.ninja dashboard or mobile app. Users can also avail mobile card reader and process card payments directly through their iPhone or Android smartphones anywhere. It is possible to set up subscriptions and payment plans for automatic recurring payments while creating and sharing invoices. A dedicated CRM system is included as well that empowers users to manage customer details such as contact, purchase history, paid and overdue invoices, subscription plans, and more.

NuovoPay is a platform that enables telecom carriers, finance companies, and resellers to protect and safeguard their leased devices against the EMI payment defaults. The software remotely locks devices which are leased to the customers in the event of a failure in EMI payments or in case devices are reported stolen. It streamlines the intricate process of mobile phone leasing and requisition. Users can reduce installment requisition costs and protect their leased devices by automating the onboarding process and payment logs and remotely invalidating device access for defaulter devices. One can also integrate it with leading billing system providers. The software enables its users to reduce defaulter payments by preventing late payments with automated payment reminders and reducing manual efforts and costs in payment collection. The remote locking technology of NuovoPay ensures that leasing companies have complete control over their leased tools and devices. It also makes sure that the cost spent on recovering the defaulter, or the stolen or lost devices are minimum.

BitPay is a cryptocurrency app that can be used by individuals or businesses to buy, swap, store and spend cryptocurrencies. The app has a very simple interface that enables users to buy cryptos quickly, just by making payments through a debit card, credit card or Apple Pay. BitPay offers users a safe space to store their cryptos with easy backups and multi-sig. They can manage multiple walters, send and receive cryptos and even shop for gift cards. The app provides users with a BitPay Card that can be used to convert crypto into dollars to spend. They can even shop with Mastercard merchants in-person or online, anywhere in the world. Businesses can accept cryptocurrency payments, donations and deposits online from their customers. Bitcoin invoices can also be sent by them to their customers like they send emails. The received funds through BitPay go directly into the bank account of users. It supports bank deposits in 38 countries with currencies like Euro, US Dollars, GBP and more.

PayPal Here is a robust payment gateway solution that enables you to take payment wherever you need to, whether on the move or at the counter. It allows you to pair your PayPal Zettle card reader with this Point-of-Sale software, for all the functionality you need, to operate your company in your way. With PayPal Here, you get real-time sales tracking and automated reporting that ensures that you always know how your company is doing. You can reduce overstock and ensure that your consumers always have the things they desire. You can also import goods in bulk from a spreadsheet. Using the app, you can adjust stock levels and add new goods. Users can make a list or collection of items and include product images and descriptions with PayPal Here. You can also add barcodes to goods and organize them by category and collection. You can keep track of your employees' outputs and get daily performance updates. Additionally, you can keep a record of all sales, cash, and credit card transactions along with the best-selling items by day, week, or month.

Quantum Electronic Payments offers truly innovative payment processing solutions to businesses of varying ranges, from small businesses to large corporations. Payment processing solutions are at the heart of any eCommerce business’s success. Quantum’s online payment solutions enable you to accept credit cards, debit cards, and alternative payment methods securely and cost-effectively all via the internet. Beachside yoga instructors, tour guides or plumbers when your business is on the go, Quantum’s mobile payment processing solutions let you accept electronic payments anywhere.

Inline Checkout software is a platform used to increase conversions with personalized data-driven Checkout flow for Ecommerce. The software offers tools to create customization of brand with logo, and auto-filling forms with pre-selected fields. Personalize offers with discounts and manual coupon codes. Measure the real-time upsell analytics to automate business workflows. It integrates with Stripe, PayPal and more. Marketers, Small, Medium companies make use of the software.

Bllng is ready to take payments to the next level with a few simple clicks, it can join the crypto payment revolution with one of the most innovative companies today! At bllng, it is understood that the importance of security and efficiency when it comes to transactions. That’s why it offers businesses an easy way to accept cryptocurrency. Just create a simple checkout link, share it online — and voila! the customer can easily accept crypto payments right away. No matter how big or small the company is, everyone deserves a risk free reliable way to process transaction securely. Start bllng and get an industry leader in cryptocurrency payments!

PangoPay is a B2B online payment gateway with which users can make payments faster, better and simpler. This application helps customers to make smoother transactions for their purchases, and one doesn’t have to wait for days to receive invoices. Businesses can accept their payments online with a simple link or through website integration, and receive them directly in their bank account. PangoPay has flexible and simple payment options and allows users to accept card payments. One simply needs to send the payment page of the app to receive debit or credit card payments online. The application enables businesses to improve their revenue collection and also to simplify the lives of the customers. It saves time by eliminating tedious and complex processes of bank transfers. This payment gateway reduces the chances of customer dropoffs resulting out of difficult payment options. Marketing agencies can accept recurring payments easily and close deals faster. Users can add branding to their payment pages with custom logos and colors, and choose their own payment options. Users can add payment buttons or integrate forms to their website, allowing customers to make payments from anywhere. One can track finances through transaction histories and automated reporting via PangoPay’s dashboard.

Axxonpay is a complete payment platform for businesses, providing IBANS and card solutions even to High Risk Merchants. It enables customers to accept payments with convenience and reliability, so customers are sure that their money is safe and sound. The service is easy to use, helping customers make the most of their time when it comes to processing payments. With a wide range of tools available through Axxonpay's secure platform, businesses have the ability to make successful transactions from anywhere in the world. The platform currently supports more than 260 payment gateways globally, ensuring comprehensive coverage for any business that chooses Axxonpay. Additionally, the service ensures timely solution delivery regardless of type or currency needed. The process takes only minutes to set up and customize with individual client needs according to preferences like supported currencies and transaction fees. With more than 10 years of experience in the payment processing industry, Axxonpay strives to always stay ahead of the game and provide its customers with the best possible technology while maintaining high standards of security and quality service. Customers can trust that their money is safe at all times thanks to reliable fraud prevention services and PCI-DSS Level 1 verified databases that protect against data breaches or theft attempts. All in all, Axxonpay helps its customers quickly process payments so they can focus on what really matters: developing their business relationships for long-term success.

Global Payments is an online-based Payment Processing Software. A simple, complete payment page for web and app. Just drop it in and you’re all set. Also includes the PCI DSS compliant redirect solution, so you avoid the usual PCI overhead without compromising on safety. The APIs and SDKs make it easy to build your payment page exactly the way you want, across the full transaction lifecycle. Giving you complete control. One integration is all it takes to connect all your commerce channels and geographies. Seamless technology, for a more impactful strategy.

PayOp is an online payments tool that includes more than 150 payment method across 170+ countries. It facilitates mass payments through internet banking, card payments, and e-wallet payments. Since PayOp has all the necessary payment systems in place, it can be effectively set up for numerous industry stakeholders such as E-commerce businesses, professional services, freelancers, video games, travel, and others. Users can select the commission rates that are suitable for them and with a single click. While it is free to register on the platform and create an account, commissions are decided on the basis of variables like type of business, monthly turnover, and payment amount. Users can easily enable and disable different payment options right from the tool’s dashboard. Website visitors receive the benefits of a single CTA for more than 200 modes of payment. Other features include creating a dedicated payment page, sending invoices, and fund withdraws by direct bank transfers.