Payment Processing Software

Compare Stripe, PayPal, Square, Adyen, Checkout.com and Worldpay for online checkout, payment methods, in-person scope and operational integration. Match the exact product, merchant market and commercial terms.

SoftwareRadarUpdated: 16 October 2026
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Stripe

Updated 2026-10-16

Stripe provides online payment processing through prebuilt checkout, embedded forms and custom payment components. Payment Links supports a no-code route, while Terminal addresses in-person payments. Billing, Connect, Tax and other Stripe products have their own scope; a Payments integration does not establish that the entire portfolio is included. Learn more about Stripe

Who should take a closer look?

Businesses evaluating a payment integration with a choice of prebuilt or custom checkout.

Capabilities to explore

  • Hosted and embedded checkout options
  • Custom payment components and APIs
  • No-code payment links
Transaction fees applyDeveloper test mode is for simulated payments. Standard pricing without a setup or monthly fee does not make live payment processing free.

PayPal

Updated 2026-10-16

PayPal offers online checkout, payment links and a separate point-of-sale service. Its UK material distinguishes PayPal Checkout from Expanded Checkout, with different customisation, payment-method and operating scope. The in-person POS service, formerly Zettle, uses its own app and supported hardware. Learn more about PayPal

Who should take a closer look?

Businesses comparing PayPal checkout access with broader online or in-person payment needs.

Capabilities to explore

  • PayPal and card checkout options
  • Expanded Checkout customisation
  • Payment links and ecommerce integrations
Transaction fees applyA free business-account signup or free POS app download is not free live payment processing. Transaction and any hardware or additional-service costs remain relevant.

Square

Updated 2026-10-16

Square combines payment acceptance with point-of-sale and business software. Its UK Free plan has no monthly software charge, while paid plans add sector-specific capabilities. Online, in-person and manually entered payments have different charging rules, and the chosen hardware or ecommerce connection affects implementation. Learn more about Square

Who should take a closer look?

Businesses evaluating payments together with a shop, service or hospitality operating workflow.

Capabilities to explore

  • Point-of-sale software and hardware options
  • Online checkout and payment links
  • Invoices and remote payment routes
Free software plan; processing fees applyThe UK Free plan has a £0 monthly software fee and includes free POS apps. Payment-processing charges still apply; hardware and optional paid tools are separate.

Adyen

Updated 2026-10-16

Adyen provides payment processing for online channels and connected in-person commerce. Its online integrations include prebuilt interfaces, payment components and API options. Payment-method coverage, merchant setup and operational reporting need to be assessed for the intended markets and the actual implementation. Learn more about Adyen

Who should take a closer look?

Businesses evaluating a unified payment operation across defined markets and selling channels.

Capabilities to explore

  • Online checkout integration options
  • Payment-method and currency configuration
  • Connected in-person payment scope
Transaction fees; minimum invoice may applyThe reviewed pricing describes transaction processing and a possible minimum invoice, rather than an ongoing free production-processing plan. Evaluation access does not remove live charges.

Checkout.com

Updated 2026-10-16

Checkout.com provides online payment processing with Flow, a configurable checkout interface, alongside hosted payment and API routes. Its commercial proposal is tailored to the business. Checkout design, supported methods and the connection between payment events and orders should be defined before comparing a headline processing rate. Learn more about Checkout.com

Who should take a closer look?

Businesses evaluating a customisable online payments integration with a scoped commercial proposal.

Capabilities to explore

  • Flow checkout interface
  • Hosted payment page and API routes
  • Payment-method configuration
Tailored processing proposalNo general ongoing free production-processing plan is established for ordinary businesses. A sandbox or a specifically eligible charity arrangement is distinct from standard commercial access.

Worldpay

Updated 2026-10-16

Worldpay offers online payment services for small businesses and enterprise merchants. Its UK Worldpay eCommerce offering supports embedded components, hosted checkout and ecommerce connections. The precise product and merchant arrangement matter: a small-business package should not be assumed to describe every Worldpay enterprise service. Learn more about Worldpay

Who should take a closer look?

Businesses evaluating a named Worldpay online product and its connection to existing commerce systems.

Capabilities to explore

  • Hosted and embedded online checkout
  • Ecommerce platform connections
  • Payment links and recurring-payment scope
Product-specific processing chargesOnline payment processing has commercial charges. A signup route, product demonstration or quoted package is not an ongoing free production-processing plan.

Compare payment processing options

Read the buying decisions, plan boundaries and evidence behind a shortlist.

How to choose payment processing software

A payment button, a hosted checkout, an embedded interface and a wider point-of-sale platform solve different implementation problems. Define the selling channels, order system and required payment methods before comparing providers. Account approval, region and selected products determine the available scope.

Questions to ask before you buy

Put your shortlist to the test

Use vendor test mode and controlled sample orders. Check a successful, failed and interrupted payment, an authorised refund simulation and reconciliation to an order reference. Record which system confirms completion, the intended currencies and methods, operator permissions and the complete written commercial proposal. Do not use real customer card data in an evaluation.

A useful next step

Use the software buying checklist →

Choose the same workflow, team size and required features when comparing your shortlist.

Frequently asked questions

Is there one best payment processing tool?

Fit depends on your workflow, required capabilities, team size and budget. Compare the appropriate plan and test it with your own requirements.

How current is this research?

This category was last updated on 16 October 2026. Confirm current plan details before buying.