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Best Online Payment Services in December 2022

Online payment services are a convenient way to receive payment for goods and services online. They are also a great way to send and receive money electronically. Some online payment services are better for small businesses, while others are more suited for large corporations.

31 Listed services

16,400Analyzed reviews

1,640Suspicious reviews

Service

Price

Payment

Processing

Payment Gateways

Support

Authentication

1

Square logo
Truely score heart icon

4.7/5

1,982 reviews

Visit site
$250.00

per year

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Batch Processing

Local

Phone ,Email,Chat

SMS,OTP

Visit site

2

PaySimple logo
Truely score heart icon

4.6/5

454 reviews

Visit site
$0.69

per transaction

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Local

Phone ,Email

Physical Key,OTP,SMS,Biometrics

Visit site

3

WildApricot logo
Truely score heart icon

4.6/5

998 reviews

Visit site
$43.20

per month, billed $518.40 annually

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Global

Phone ,Email,Chat,SMS

SMS

Visit site

4

Heartland logo
Truely score heart icon

4.5/5

73 reviews

Visit site
$1000.00

One-time payment

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Global

Phone ,Email

OTP,SMS

Visit site

5

Tazapay logo
Truely score heart icon

4.5/5

243 reviews

Visit site
$20.00

billed monthly

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time

Global

Phone ,Email

Physical Key,OTP,SMS,Biometrics

Visit site

6

Amazon Pay logo
Truely score heart icon

4.4/5

217 reviews

Visit site
$1000.00

One-time payment

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Global

Phone ,Chat,Email

OTP,SMS,Physical Key,Biometrics

Visit site

7

Stripe logo
Truely score heart icon

4.4/5

382 reviews

Visit site
$3.20

per successful card charge

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Global

Chat

Physical Key,SMS,OTP,Biometrics

Visit site

8

Adyen logo
Truely score heart icon

4.4/5

79 reviews

Visit site
$0.11

One-time payment

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time

Local

Phone

Physical Key,OTP,SMS,Biometrics

Visit site

9

Wix logo
Truely score heart icon

4.2/5

3,974 reviews

Visit site
$4.50

per month

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Local

Phone ,Chat

SMS,OTP

Visit site

10

$1000.00

One-time payment

Credit/Debit Card,Bank Transfer,E-Wallets,Electronic Checks,Mobile Payment,Third Party Payment Options

Real-Time,Batch Processing

Global

Phone

OTP,SMS,Physical Key,Biometrics

Visit site

Best Products

#1

Square

Square

Best Overall

1,982 Reviews analysed

1,888 Positive

94 Negative

Visit site

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Batch Processing

  • Payment Gateways

    Local

  • Support

    Phone , Email, Chat

  • Authentication

    SMS, OTP

Pros

  • Easy to use

  • Great for small business

  • Easy to install

  • Does not have to pay to use

  • Lots of long time users

See all

Cons

  • Customer service is bad

  • Waiting time

  • Not user friendly

  • Mobile app is bad

  • There are better alternatives

See all

Square is a great way to send and receive money electronically, it's very convenient. First of all, we want to mention that there are some features which are not offered by Square, but are common amongst other services. For example, there is no Instant Payment Verification or Multicurrency Support. Also, you can't use Square to Send and Pay Money. These options are missing, but they are not crucial and you can still do without them. On the other hand, there are some features which are very rare to be found in other services. For example, Square offers Payout Analytics and there are no Statement Fees. These features are unique and they can be really helpful for businesses. There are also some features which are uncommon for other services. For example, Square has a Payment Calendar and Secure Sockets Layer (SSL). Real-Time Statistics and 24/7 Availability are also great features which not every Online Payment Service can boast about. All in all, we can say that Square is a great Online Payment Service with a lot of useful features. Even though some common features are missing, the unique features more than make up for it.


In their reviews, users have mentioned that Square is easy to use and install, with lots of long-time users. It works across multiple devices, but there can be waiting times. The mobile app is not user-friendly, and customer service is bad. However, Square is fast and does not have to pay to use. This makes it great for small businesses.

#2

PaySimple

454 Reviews analysed

406 Positive

48 Negative

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Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Local

  • Support

    Phone , Email

  • Authentication

    Physical Key, OTP, SMS, Biometrics

Pros

  • Customer service is great

  • Easy to use

  • Easy to install

  • User friendly

  • Does not have to pay to use

See all

Cons

  • Customer service is bad

  • Not user friendly

  • No way to contact support

  • Takes forever to open

  • Premium version issues

See all

PaySimple offers a lot of features, but some of them are not so great. First of all, we should say that signing up for PaySimple is not free. This is one of the biggest disadvantages, because other similar services do not charge anything for registration. Also, PaySimple does not support multiple currencies, which can be a big problem if you're doing business with people from different countries. Another downside is that there is no tokenization feature, which means that your credit card information is not stored securely. On the upside, PaySimple has a lot of features that other services don't have. For example, it has a payment calendar, which can be very useful for businesses. It also has real-time statistics and 24/7 availability, which are both great for businesses that need to keep track of their finances. Additionally, PaySimple offers in-person payments support and 24/7 support, which are both very helpful for businesses that need to accept payments in person or have questions about the service. Finally, PaySimple offers a free trial, which is great for businesses that want to try the service before committing to it.


In their reviews, users have mentioned that one of the pros of PaySimple is that customer service is great. Another pro is that it is easy to install. Additionally, users don't have to pay in order to use the service, which is yet another advantage. Great staff has also been mentioned as a positive point by some reviewers. On the other hand, some people have said that customer service is bad, which is a definite con. Another potential downside is that there are lots of long-time users, which could make it difficult for new users to get started. However, overall most reviewers find PaySimple user friendly and easy to use, both definite pluses.

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Global

  • Support

    Phone , Email, Chat, SMS

  • Authentication

    SMS

Pros

  • Easy to use

  • Lots of long time users

  • Customer service is great

  • Great support

  • Feature is rich

See all

Cons

  • Customer service is bad

  • Premium version issues

  • Slow performance

  • Limited functionality

  • No way to contact support

See all

WildApricot is a great payment service for small businesses and organizations. It’s simple to use and has a lot of features that are perfect for small businesses. However, it’s missing some features that are common among other services, such as eCommerce integration, phone support, and tokenization. Some of the unique features offered by WildApricot include free consultation, local card acquiring, GDPR compliance, expense tracking, real-time statistics, secure sockets layer (SSL) and transport layer security (TLS), plugin integration, 24/7 support, and a free trial. These features are not commonly found in other payment services and make WildApricot stand out from the rest. Despite its lack of some common features, WildApricot is a great choice for small businesses due to its simplicity and wide range of unique features.


In their reviews, users have mentioned that WildApricot is easy to use and has great customer service. They also say that the learning curve is gentle and that the web version is great. However, some users have experienced issues with the premium version, saying that it is limited in functionality and slow to perform. Additionally, some customers have said that customer service is bad. Overall, reviewers think WildApricot is user friendly and has great support, but there are some areas where improvement is needed.

#4

Heartland

73 Reviews analysed

61 Positive

12 Negative

Visit site

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Global

  • Support

    Phone , Email

  • Authentication

    OTP, SMS

Pros

  • Lots of long time users

  • Easy to use

  • Customer service is great

  • Saved lots of time

  • Great for small business

See all

Cons

  • Customer service is bad

  • Login problems

  • Account is locked

  • Data protection concerns

  • Refund issues

See all

Heartland is a good and convenient way to receive payment for goods and services online. They are also a great way to send and receive money electronically. However, some features are missing which other Online Payment Services offer. Firstly, what is good about Heartland? You can use it to make invoices and payments, it's 24/7 available, has phone support and email support. You can also use it to make in-person payments. It's also GDPR compliant and uses the secure SSL encryption protocol. In terms of integrations, Heartland offers website integration, plugin integration, and API integration. What could be improved? Unfortunately, Heartland does not offer instant payment verification, real-time payment processing, or business accounts. Additionally, there are no options to send or receive money. While most online payment services support multiple payment methods,Heartland only supports debit, credit, and prepaid card solutions.

#5

Tazapay

243 Reviews analysed

207 Positive

36 Negative

Visit site

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time

  • Payment Gateways

    Global

  • Support

    Phone , Email

  • Authentication

    Physical Key, OTP, SMS, Biometrics

Pros

  • Fast

  • Fantastic service

  • Easy to install

  • Customer service is great

  • Money back guarantee

See all

Cons

  • Suspected scam

  • Delivery problems

  • Money transfer issues

  • Customer service is bad

  • You have to pay extra

See all

Tazapay is a great way to send and receive money electronically. Some online payment services are better for small businesses, while others are more suited for large corporations. Tazapay offers a lot of features that are unique and not found in other services. For example, there are no statement fees, and the service offers plugin integration. Other uncommon features include local card acquiring, expense tracking, and real-time statistics. Tazapay is also missing some common features, such as recurring payments and business accounts.


In their reviews, users have mentioned that Tazapay is a fast and easy payment service to install and use. Customer service is responsive and supportive, with a money-back guarantee if something goes wrong. The service is professional and user-friendly, with no complaints about security or fraud.

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Global

  • Support

    Phone , Chat, Email

  • Authentication

    OTP, SMS, Physical Key, Biometrics

Pros

  • Does not have to pay to use

  • Nothing to dislike

  • Easy to use

  • Fast

  • Saved lots of time

See all

Cons

  • You have to pay extra

  • Problems with app store listing

  • Mobile app is bad

  • Fake accounts

  • Clunky

See all

Amazon Pay is a convenient way to receive payment for goods and services online. They are also a great way to send and receive money electronically. Some online payment services are better for small businesses, while others are more suited for large corporations. Amazon Pay is missing some common features, but has some unique ones too. First of all, it's worth mentioning that free consultation is one of the features that are very rare to be found in other services. Also there are no statement fees which can save you a lot of money. In addition Windows Desktop Software is not something you see every day among Payment Services. On the other hand, Secure Sockets Layer (SSL) and Transport Layer Security (TLS) make your payments more secure than usual. No monthly fees is another advantage of Amazon Pay. Plugin Integration allows you to connect your existing website or blog to Amazon Pay in order to start accepting payments. Personal Account gives you an opportunity to manage your finances and keep track of your spending. All things considered, Amazon Pay is a great Online Payment Service with its upsides and downsides. It might be not the best choice for small businesses, but perfect for large corporations due to the variety of features it provides.


In their reviews, users have mentioned that one of the pros of Amazon Pay is that it is free to use. Another pro is that it is easy to use and fast, which has saved users lots of time. Some reviewers have also mentioned that they can't think of anything to dislike about the service. However, other users have noted that one con is that you have to pay extra for some features.

#7

Stripe

382 Reviews analysed

289 Positive

93 Negative

Visit site

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Global

  • Support

    Chat

  • Authentication

    Physical Key, SMS, OTP, Biometrics

Pros

  • Easy to integrate

  • Lots of long time users

  • Great for small business

  • Easy to use

  • Customer service is great

See all

Cons

  • Customer service is bad

  • Account is locked

  • Data protection concerns

  • Delivery problems

  • Customer support is unresponsive

See all

Stripe is a great way to send and receive money electronically and it's also one of the most convenient online payment methods. It's easy to use, fast and reliable. However, there are some downsides to using Stripe. One of the biggest drawbacks is that it's not available in all countries. Additionally, Stripe doesn't offer real-time processing like some other services do. This can be a big drawback for businesses that need to receive payments quickly. Another downside is that Stripe doesn't have all of the features that some of the other online payment services offer. For example, they don't have browser access, tokenization, or the ability to send and pay money. Despite these drawbacks, Stripe still has a lot to offer. Some of their unique features include no statement fees, live chat support, budget management tools, and local card acquiring. They also have cryptocurrency support, which is something that very few other services offer. Additionally, Stripe has no monthly fees and is GDPR compliant. Their real-time statistics and plugin integration are also great features that not many other services can boast. Finally, their 24/7 support and availability make them a great choice for businesses that need around-the-clock assistance.


In their reviews, users have mentioned that a customer service is bad (con) and that an account is locked (con). Additionally, they have also said that Stripe is easy to use (pro), has great customer service (pro), and that it is easy to install and integrate (pro).

#8

Adyen

79 Reviews analysed

53 Positive

26 Negative

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Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time

  • Payment Gateways

    Local

  • Support

    Phone

  • Authentication

    Physical Key, OTP, SMS, Biometrics

Pros

  • Great support

  • Will use it again

  • Easy to understand

  • Easy to install

  • Lots of long time users

See all

Cons

  • Money transfer issues

  • Customer service is bad

  • Slow performance

  • Data loss

  • Customer support is unresponsive

See all

Adyen is a bit different from other services, because it's missing some features that are common among others. On the upside, Adyen provides Transport Layer Security (TLS), Two-Factor Authentication (2FA), In-Person Payments Support, Plugin Integration, GDPR Compliant, Expense Tracking, and Local Card Acquiring. These are all great features that will come in handy for businesses. On the downside, Adyen is missing some key features that are common among other online payment services. These include a business account, third-party apps integration, instant payment verification, and real-time payment processing. This can be a hindrance for businesses who need these features. Overall, Adyen is a decent online payment service with some good features. However, it is lacking in some areas when compared to other services.

#9

Wix

3,974 Reviews analysed

2,872 Positive

1,102 Negative

Visit site

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Local

  • Support

    Phone , Chat

  • Authentication

    SMS, OTP

Pros

  • Really appreciated by its users

  • Easy to use

  • Great for small business

  • Good value for money

  • Easy to install

See all

Cons

  • Problems with app store listing

  • Slow performance

  • Mobile app is bad

  • Login problems

  • Doesn't work

See all

Wix is a great and convenient way to receive payment for goods and services online. They are also a great way to send and receive money electronically. Some online payment services are better for small businesses, while others are more suited for large corporations. Wix is suitable for both small businesses and large corporations. Wix offers a lot of features which are very rare to be found in other services: Live Chat Support, Payout Analytics, Localized Order and Customer Confirmation Pages, 24/7 Support, Personal Account, In-Person Payments Support, Enterprise Solutions, Transport Layer Security (TLS), Two-Factor Authentication (2FA), Payment Calendar, Cryptocurrency Support, GDPR Compliant. On the other hand, Wix is missing some common features: Custom Payment Forms, iOS Mobile App, Anti-Fraud and Phishing Solutions, API Integration, Send and Pay Money Options, Real-Time Payment Processing, Android Mobile App, eCommerce Integration, Email Support.


In their reviews, users have mentioned that one of the cons of Wix is that there can be problems with app store listing. This means that it may be difficult for users to find and download the app from their preferred app store. However, others have pointed out that this may not be a big issue for small businesses. Overall, users have said that Wix is good value for money and very useful, better than similar products available on the market. There have also been some complaints about login problems and slow performance. Additionally, users have mentioned that the mobile app could be improved. Despite these issues, reviewers have generally found Wix to be user-friendly and easy to install and use.

Key facts

  • Payment

    Credit/Debit Card, Bank Transfer, E-Wallets, Electronic Checks, Mobile Payment, Third Party Payment Options

  • Processing

    Real-Time, Batch Processing

  • Payment Gateways

    Global

  • Support

    Phone

  • Authentication

    OTP, SMS, Physical Key, Biometrics

Pros

  • Easy to use

  • Great for designers and engineers

  • Fantastic service

  • No issues experienced

  • Has everything you need

See all

Cons

  • Issues with verification

See all

PaymentVision is a great and convenient way to receive payment for goods and services online, but it is missing some features that are common among other services. Some of the features that PaymentVision is missing are: invoicing tools, custom payment forms, anti-fraud and phishing solutions, multicurrency support, and ecommerce integration. However, there are some unique features that PaymentVision offers such as multiple sub-accounts, SMS support, and 24/7 support. Personal accounts are also available with PaymentVision, which is not as common among other online payment services. In addition, PaymentVision also supports in-person payments and cryptocurrency payments, which are both relatively rare features. Overall, PaymentVision offers a variety of features, but is missing some that are commonly found in other online payment services.

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Frequently Asked Questions

The best Online Payment Service is Square. Square has been ranking number 1 for the last 125 days.

Online payment services are payment gateways provided by an e-commerce application or a business that authorizes credit card or direct payment processing for online businesses, brick and mortar establishments, or traditional service providers. They are also known as e-payment systems and online transaction processing systems.

Online payment services are necessary for businesses and individuals that want to process payments online. It is a secure and convenient way to handle online payments without worrying about your personal information's safety.


Faster than manual payment, bill payment services online do not need your clients to fill out any form to process their payment. Instead, they will only need to create an account with the online payment service provider.


On the other hand, businesses paying multiple merchants can use online payment service providers that save time and automate your payments. For example, you can make a single payment through an online payment service instead of writing separate checks.

Instant payments

The best online payment service allows immediate money transfer between accounts. Instant processing of payments can take place in a few seconds instead of a few days in regular bank deposits.


Fast checkout process

With online payment services, customers do not need to fill out much information or wait a long time before the payment is complete. Instead, online shoppers breeze through the checkout process without any hassle.


Multi-currency support

Businesses can transact in different currencies and receive payments in their local currency. Multi-currency support benefits small business owners who want to expand their reach into new markets.


Recurring payments

Some online payment service providers allow users to set up recurring payments for regular bills or subscriptions. With the online payment service feature, customers don't have to worry about forgetting to pay their bills on time and risking late fees.


Third-party integration support

A business can connect online payment systems to accounting software, CRM, or online stores with third-party integrations. The feature allows businesses to manage their finances and sales more effectively.


Advanced fraud detection

Online payment service providers use sophisticated fraud detection systems to protect businesses from online scammers. As a result, businesses can rest assured that their online payments are safe and secure.


Create and send invoices

With online payment services, businesses can create and send invoices to customers. The feature streamlines your invoicing process and helps you get paid faster.

When choosing an online payment service provider, it is important to consider the business needs and objectives. Check the business operations if it needs to process online payments in multiple currencies or large transactions.


After identification of the business needs, narrow down the list of online payment service providers that best suit your company’s requirements. Research the online payment service providers in the market and compare their features and pricing. Select a provider that offers the best value for your money. Compare and contrast the features offered by each provider to make an informed decision.