Best Free Credit Card Processing Software of 2025

Square POS is a simple, intuitive point-of sale (POS) solution. It provides a rich set of tools for inventory tracking, sales tracking, online payment processing and digital receipts. Square POS is available for Android and iOS devices. It records transactions offline by storing data locally, then automatically syncing information when there is an Internet connection. Square POS allows users to manage details such as names, prices and quantities. It also offers features such as a barcode scanner and discounts, credit card processing and gift cards, refunds and more.

Accept all payments quickly, securely, and easily. Accept card payments quickly and easily, no matter where you are selling. You can streamline the process of creating, sending, and tracking your invoices. Customer not available in person? Remote credit card payments can be made over the phone or via your computer. Get paid quickly Square makes it easy to create and grow an online store and accept online payments seamlessly with Square. Accepting cards is as easy, painless, secure, and fast as possible with Square. We don't charge extra, have no long-term contracts and are not able to use tricks. You can rely on fast, secure payments.

Toast POS is a flexible system that was created exclusively for restaurants and food service businesses. This solution allows restaurant owners to quickly adapt to changing industry trends and customer expectations by offering tools such as online ordering, delivery, takeout and mobile app ordering. Toast POS is a cloud-based platform that offers new features and allows users to access their restaurant data from any location, on any device. Its powerful reporting and analytics suite enables restaurant managers to identify savings opportunities, highlight the best-selling menu items, etc.

Computop provides its customers with local and innovative omnichannel payment processing and fraud protection solutions for ecommerce and POS. Computop Paygate allows retailers, service providers, and industrial enterprises to choose from more than 350 payment methods. Computop is a global player, with locations in Germany and the USA. It has been serving large international companies, such as C&A and Fossil for over 25 years. Computop processes transactions worth USD 33 billion, in 127 currencies.

Running your business has become more effortless than ever before! Pencil In is an innovative appointment system that connects you with your clients seamlessly. It is tailored to empower you to take charge of your operations while also saving precious time. You will find numerous features designed to simplify your professional routine. At the core of your enterprise lies your service schedule, and the Pencil In Scheduler facilitates an easy process for clients to discover and sign up for your offerings. By simply updating your Pencil In Schedule, you can allow your clients to take the lead in managing their bookings. They can navigate through the schedule with personalized filters, reserve a class or appointment, modify their profile, and choose their payment options. With everything organized in one comprehensive view, you can oversee all your appointments and classes efficiently. Additionally, you can monitor your daily sessions alongside your team’s activities through the Pencil In Scheduler, ensuring that you stay on top of everything with ease. This system truly transforms the way you interact with your clients and manage your time.

MONEI makes it easy to do everything MONEI allows you to accept online and offline payments. MONEI can be integrated directly to your website or online shop with just one line of code (or none at all). MONEI protects against fraud, issues refunds, and helps you succeed in your business. This is the simplest and most cost-effective way to make money from your website. Move money with ease Transparently and securely transfer your money online -- there is no paperwork or compliance required when accepting payments to open a business. MONEI integration will increase your conversion rates. Our capabilities and features are unbeatable. It's insanely simple MONEI was designed so that anyone can use it. Tomorrow you will be your six-year-old child, on their journey to conquering the business world. It takes a few clicks to get it done.

Expand your business horizons internationally with Tazapay, your reliable cross-border payment solution. Streamline your global transactions without the need for local partners, making international trade seamless and efficient. Tazapay offers a cohesive platform that enhances worldwide payment collection, ensuring your financial operations run smoothly. Your funds are securely held until the shipment is confirmed, and in case of delays, you are entitled to a full refund. Once goods are dispatched, the total amount is promptly released to you, preventing buyers from withholding payments if you honor your commitments. Acting as a trusted intermediary, Tazapay retains the buyer's funds until the service has been duly delivered by the vendor. Upon verifying the proof of service completion, Tazapay ensures that the vendor receives the payment without unnecessary delays. All escrowed amounts are kept separate and protected by top-tier banking institutions, under stringent regulatory frameworks. We handle all compliance and regulatory requirements, allowing you to focus on your core business. Additionally, your payment release milestones can be tailored to meet the specific needs of your enterprise. Our operational capabilities include Know Your Customer (KYC), Know Your Business (KYB), and thorough verification of shipping documentation to provide you with peace of mind. This comprehensive approach ensures that every transaction is secure and efficient, paving the way for a successful global expansion.

eMerchantGateway, founded on one of the globe's most extensive payment gateway infrastructures, stands out as a reliable choice for processing payments through various channels, including online, telephone, and postal methods. It is designed to be secure, swift, and dependable, featuring an array of tools for handling card-not-present transactions efficiently. The platform ensures full compliance with PCI-DSS for optimal payment security. Users can conveniently access a comprehensive management console via a web browser or dedicated app. The service includes a virtual terminal for processing telephone or mail orders, as well as options for generating invoices and web forms for online payments. Customers can also customize recurring billing options to fit their preferences. With 18 customizable fraud prevention modules, the platform can adapt to meet specific business requirements. Additionally, eMerchantGateway provides detailed reporting to help businesses monitor transactions minute by minute, alongside batch and real-time payment processing capabilities that include mobile integration. Catering to a variety of industries, eMerchantGateway's software solutions are tailored for sectors such as furniture, restaurants, and non-profits, ensuring that every client finds the right tools for their unique needs. This adaptability makes it a versatile choice for businesses aiming to streamline their payment processes.

Payment software for eCommerce merchants and virtual credit card transactions. Process debit and credit cards as well as ACH transactions.

Your payment transactions are securely managed with top-notch data protection measures in place. We adhere to the PCI DSS LEVEL-1 standards and employ SSL encryption that meets the highest requirements set by international credit card organizations. Our system facilitates the issuance of digitally signed invoices via email, enabling smooth credit card transactions, PayPal, or bank direct debits. Additionally, users can manually create invoices for cash or cheque payments. This invoicing system is recognized and approved by the income tax authority, ensuring compliance and reliability. Customers can enjoy a free application compatible with both Android and iPhone devices, offering functionalities for debit and credit operations, transaction viewing, and more. There is also an option to connect an EMV credit card reader through Bluetooth technology, enhancing transaction flexibility. This payment solution is designed to evolve alongside your business requirements, accommodating payments via mobile phones, independent clearing terminals, any computer or tablet, as well as integration with management software and e-commerce virtual stores. Furthermore, it offers complete integration with PayPal, including the automatic generation of invoices, streamlining your payment processes even further. With these comprehensive features, managing your finances has never been easier or more efficient.

PayXpress mPOS is a versatile payment solution that includes a multicurrency and multi-brand QR reader, supporting popular platforms like WeChat Pay and Alipay, along with NFC and camera card scanning capabilities. It allows for SMS or email confirmations of payments and supports offline transactions through telecom IVR, offering the flexibility of multiple bank and merchant accounts. This system is designed to enhance customer experience by providing a range of personalization options that cater to international shoppers, ensuring they feel welcomed and comfortable. By offering trusted payment methods in various languages and currencies, it accommodates all customers, including those who are blind or have disabilities. Utilizing the latest technologies, PayXpress mPOS improves in-store interactions and ensures customers can pay in their preferred ways now and in the future. The platform also streamlines business operations with features tailored to specific industries, delivering a unified omnichannel commerce experience. Users benefit from a comprehensive dashboard that provides a singular view of payment data, facilitating a seamless experience across all sales channels and devices. This holistic approach significantly enhances the overall customer journey, regardless of how shoppers choose to make their payments.

Regardless of the size of your organization, Cheddar Up provides a seamless platform for collecting money and forms online. The process of gathering funds has become incredibly simple; just set up a page, include the necessary items or form fields, and distribute the link to start receiving payments. We handle all the tracking for you, and withdrawing funds to your bank account is completely free. Daily, various groups discover innovative and effective ways to utilize Cheddar Up for their community fundraising needs. From membership fees and HOA dues to tuition payments, spirit wear, troop contributions, group gifts, after-school programs, events, fundraisers, and much more, Cheddar Up is versatile. Impress your community with a beautiful and effortless payment experience that doesn't require any apps or accounts. You can choose to have professional-looking payments right out of the box or easily customize the appearance to match your group’s identity. Additionally, accepting payments in person is straightforward with our mobile apps and Bluetooth card readers, ensuring that all transactions are consolidated within Cheddar Up. With this user-friendly service, managing payments has never been more efficient and adaptable to your specific needs.

CDGcommerce offers professional merchant services, with a focus on always protecting our merchants' best interests. We offer solutions that reduce risk, lower costs, and simplify the process for accepting payments online, in-store, or on the move. CDG is more than a number. You are a name. No matter if you're a startup or a business that processes millions of dollars, we value every merchant relationship. Our dedicated staff will get to know your business and you on a first-name basis. CDG offers a free gateway to accept credit cards online or via a virtual terminal. This will meet your needs and eliminate unnecessary fees. We can also offer a free terminal placement program for brick and mortar businesses that will help you future-proof your equipment. Transparency, control, security, and helpful team members are essential to keep you focused on what's important - growing your business.

Red Maple™ offers advanced credit card processing solutions for MS Dynamics, AX 2009/2012, enabling businesses globally to handle their credit card transactions efficiently. This system includes a range of features designed to streamline payment processing and enhance financial management for organizations.

Dynamic Merchant Solutions stands out as the top provider of merchant services in Los Angeles, delivering customized payment solutions to enterprises of varying scales across multiple sectors. Renowned as one of the foremost merchant service processing firms in the area, we emphasize our steadfast dedication to integrity and dependability. Our expert team is committed to providing clear and professional services, guaranteeing that we uphold every commitment made to our clients. By offering an extensive range of merchant services in Los Angeles, CA—such as EMV solutions, gift card initiatives, sophisticated POS systems, and mobile processing—we optimize your payment workflows and significantly boost customer satisfaction levels. Our mission is to empower businesses by ensuring their payment processes are not only efficient but also tailored to meet their specific needs.