10 Best Payment Processing Tools in 2026

Stripe is a financial infrastructure platform for internet businesses. Accept payments from anyone, anywhere. Billing handles subscriptions and invoicing. Connect powers marketplace payments. Treasury provides banking as a service. The payments infrastructure that powers millions of businesses from startups to Fortune 500 companies.

Payoneer provides a multi-currency account and payment platform designed to simplify global business. It enables users to send and receive payments across borders, manage multiple currencies, and comply with local regulations. The platform is ideal for freelancers, businesses, and marketplaces looking to expand internationally, offering solutions for paying talent globally, accepting payments from clients worldwide, and facilitating mass payouts. Key features include effortless onboarding for new hires, simplified multi-currency payroll across 160+ countries, and connections to leading marketplaces. Payoneer aims to uncomplicate cross-border payments by eliminating lengthy and costly international wire transfers, allowing users to keep more of what they earn. It supports transactions in over 70 currencies and covers more than 190 countries and territories. Payoneer also offers advanced risk, compliance, and fraud prevention infrastructure, making it a secure choice for international transactions. Users can connect their Payoneer card with Apple Pay for easy and secure payments. The platform serves millions of customers worldwide, providing a comprehensive global business wallet for managing money and facilitating global expansion in the digital economy.

Sift is a leading digital fraud prevention platform that helps businesses secure the entire customer journey, from account creation to post-transaction activities. Leveraging a global data network of over 1 trillion annual events and AI-powered automation, Sift provides precise, split-second decisioning to detect and prevent various types of fraud, including account takeover, payment fraud, and first-party abuse. It aims to help businesses reduce fraud losses, improve operational efficiency, and enhance customer experiences by minimizing friction for legitimate users. The platform offers solutions for specific fraud vectors like fake account creation prevention, account takeover (ATO) fraud, payment fraud, policy abuse, and content scams. Sift's console allows for comprehensive visibility into user activity, enabling fraud teams to automate risk decisions, accelerate manual reviews, and build custom workflows. By integrating with existing systems and providing real-time risk scores, Sift empowers businesses to scale securely and turn fraud prevention into a measurable growth advantage, protecting revenue and building customer trust.

Eventbrite powers event discovery and ticketing for everything from local workshops to major concerts. Organizers create event pages, sell tickets, and manage check-ins while attendees discover experiences in their area. The platform handles payments, refunds, and analytics so event creators can focus on delivering great experiences.

FastSpring is a comprehensive digital commerce platform designed specifically for businesses selling SaaS, software, video games, and online content. It acts as a Merchant of Record, managing all aspects of global payments, subscription billing, and sales tax compliance across over 200 regions, 23 currencies, and 21 languages. This allows companies to expand globally with confidence, offloading the complexities of financial operations. The platform offers features like global online payments with high approval rates, robust subscription management and billing, customizable checkout experiences, fraud prevention, affiliate marketing, reporting and analytics, digital invoicing, and interactive quotes. FastSpring aims to accelerate growth by providing tools for upsells, cross-sells, and upgrades, while eliminating the stress of tax collection and remittance, and mitigating risks associated with global sales. It supports both code-based integration via API and no-code solutions with pre-built checkout tools and a JavaScript library. FastSpring's pricing model is a revenue-sharing system based on transaction volume, with no upfront subscription fees or additional charges for individual features. It positions itself as an all-in-one alternative to integrating multiple point solutions, claiming to offer a comparable total cost to other payment processors when considering all services provided. The platform is ideal for companies looking to streamline their digital sales operations, ensure global tax compliance, and focus on product development rather than payment infrastructure.

Mercury offers online business banking services tailored for startups and small businesses, providing a comprehensive platform for managing financial operations. It allows users to open free checking and savings accounts, manage cards and expenses with 1.5% cashback on credit spend, and handle payments with no fees on USD transactions. The platform integrates invoicing capabilities, accounting automations for QuickBooks, Xero, or NetSuite, and offers Mercury Treasury for earning yield on high-liquidity portfolios. Mercury aims to simplify and streamline banking tasks, enabling users to create virtual cards instantly, automate bill payments with AI, and manage customer payments and details directly within the account. It provides tools for total visibility of funds, automated transfers, approval flows, and team management with spend controls. The service emphasizes security with up to $5M FDIC insurance, advanced fraud protection, and granular user permissions. Beyond core banking, Mercury offers advanced financial workflows through paid plans, including enhanced invoicing features, NetSuite automations, and expense reimbursement for more users. It caters to a wide range of businesses, from SaaS and e-commerce to agencies, providing a modern, software-driven approach to business finance.

Wise moves money internationally with transparency. Multi-currency accounts and transfers—international finance without hidden fees. The fees are transparent. The rates are real. The experience is modern. Global businesses and individuals use Wise for transparent international payments.

Spendesk is an all-in-one spend management platform designed to help businesses gain complete control and overview of their company expenses. It centralizes procurement, expense management, and payment processes, enabling finance teams to streamline operations, reduce costs, and save time. The platform offers smart corporate cards with customizable limits, automated invoice management, budget tracking, virtual cards for secure online payments, and simplified expense reporting. Spendesk is ideal for finance teams, managers, and employees across various industries, including agencies, education, technology, hospitality, and healthcare. It aims to eliminate manual tasks, reduce errors, and provide real-time visibility into spending, allowing finance professionals to focus on strategic tasks rather than chasing receipts. The platform integrates seamlessly with existing financial and business tools and emphasizes security with ISO27001 certification, end-to-end encryption, and multi-factor authentication. Key benefits include up to 90% savings in invoice processing costs, 7% reduction in subscription costs, and 4 days faster monthly closings. Spendesk also fosters a healthy spending culture by empowering employees with easy payment methods while maintaining control through pre-approvals and budget dashboards. Their support is highly rated, offering quick response times, personalized onboarding, and multilingual assistance.

Paddle is a payments infrastructure for SaaS companies. Merchant of record handles sales tax globally. Subscription billing with dunning management. Checkout optimized for conversion. Analytics show revenue and churn metrics. Payments that handle the complexity so you can focus on your product.

Recurly is a comprehensive subscription management and recurring billing platform designed to help businesses launch, acquire, retain, and scale their subscription services. It provides tools for flexible plan creation, optimized checkout flows, automated billing, and advanced churn mitigation strategies like intelligent retries and cancel-save offers. The platform also offers specialized solutions for Shopify merchants, in-app subscriber engagement, and automated revenue recognition (ASC-606 and IFRS-15 compliance). Recurly is ideal for high-volume digital commerce businesses, from startups to large enterprises, looking to maximize recurring revenue and improve subscriber retention. It caters to growth, product, technology, and finance/operations teams by offering features like personalized acquisition and retention offers, secure payment processing, seamless integration with existing tech stacks (ERP, CRM), and real-time analytics. With support for over 140 currencies and 20+ payment gateways, Recurly enables global expansion and ensures compliance with various security and privacy standards.