The 46 Best Payments Tools For Small Business [2021]

The 46 Best Payments Tools For Small Business [2021]

Payments is essential to running your business.

After interviewing thousands of founders, we put together a list of the most popular payments tools.

Here they are:

1. Rewardful

Turn your biggest fans into your best marketers. Instantly set up affiliate and referral programs with Stripe.

Plans starting at $29/mo:

  • Unlimited affiliates
  • All integrations
  • REST API access
  • Mass payouts
  • Everything you need to run a successful affiliate program

Growth: $79/mo

  • Multiple campaigns
  • Branded affiliate portal
  • Custom domain
  • Multiple currencies
  • Double-sided incentives
  • Private, invite-only campaigns

  • Pricing: Paid

  • Twitter: @getrewardful

  • Website:

Businesses using Rewardful:

3 successful businesses are using Rewardful ➜


Get Rewardful ➜

2. Paypal

A fast, safe way to send money, make an online payment, receive money or set up a merchant account.

Businesses using Paypal:

516 successful businesses are using Paypal ➜


Get Paypal ➜

3. Stripe

Online payment processing for internet businesses.

Businesses using Stripe:

360 successful businesses are using Stripe ➜


Get Stripe ➜

4. Shopify Payments

Easily accept Visa, Mastercard, American Express, and Discover credit cards on the go, or in your retail store.

Businesses using Shopify Payments:

212 successful businesses are using Shopify Payments ➜


Get Shopify Payments ➜

5. Square

Get paid faster with Square.

Businesses using Square:

137 successful businesses are using Square ➜


Get Square ➜

6. Amazon Payments

Accept online and mobile payments on your ecommerce site securely.

Businesses using Amazon Payments:

129 successful businesses are using Amazon Payments ➜


Get Amazon Payments ➜

7. Apple Pay

Apple Pay offers an easy, secure, and private way to pay on Apple devices.

Businesses using Apple Pay:

102 successful businesses are using Apple Pay ➜


Get Apple Pay ➜

8. Venmo

Accept payments with a mobile app.

Businesses using Venmo:

91 successful businesses are using Venmo ➜


Get Venmo ➜

9. TransferWise

Transfer money abroad easily and quickly with our low cost money transfers.

Businesses using TransferWise:

49 successful businesses are using TransferWise ➜


Get TransferWise ➜


Accounts payable and receivables solutions.

Businesses using

30 successful businesses are using ➜


Get ➜

11. ReCharge

Payments sync to Shopify Orders. Orders are updated so you can fulfill them directly from Shopify.

Businesses using ReCharge:

28 successful businesses are using ReCharge ➜


Get ReCharge ➜

12. Braintree

Process payments online, including credit cards, debit cards, digital wallets, PayPal, Venmo, Apple Pay, and Google Pay in a single integration.

Businesses using Braintree:

21 successful businesses are using Braintree ➜


Get Braintree ➜

13. Afterpay

Shop now, pay later for fashion, beauty, accessories and more.

Businesses using Afterpay:

17 successful businesses are using Afterpay ➜


Get Afterpay ➜

14. Squareup

A point-of-sale (POS) application designed to provide businesses with a reliable and fast POS system. It enables you to take payments using your iOS or Android devices and can be implemented on the counter or on-the-go.

Businesses using Squareup:

16 successful businesses are using Squareup ➜


Get Squareup ➜


Payment processing and payment management services to help businesses accept credit card and e-check payments online.

Businesses using

13 successful businesses are using ➜


Get ➜

16. Wave

Provides a suite of financial services and online software for small businesses.

Businesses using Wave:

12 successful businesses are using Wave ➜


Get Wave ➜

17. Paddle

Paddle is the subscription and commerce platform for SaaS and software businesses.

Businesses using Paddle:

10 successful businesses are using Paddle ➜


Get Paddle ➜

18. Chargebee

Subscription management platform with end-to-end recurring billing for subscription businesses.

Businesses using Chargebee:

7 successful businesses are using Chargebee ➜


Get Chargebee ➜

19. Klarna

Complete your online purchase in the way that suits you best.

Businesses using Klarna:

6 successful businesses are using Klarna ➜


Get Klarna ➜

20. Gocardless

Easy way to collect direct debit.

Businesses using Gocardless:

4 successful businesses are using Gocardless ➜


Get Gocardless ➜

21. Xoom

A PayPal Service is an electronic funds transfer or remittance provider that allows consumers to send money, pay bills and reload mobile phones from the United States and Canada to 131 countries.

Businesses using Xoom:

4 successful businesses are using Xoom ➜

Get Xoom ➜

22. Payoneer

A financial services company that provides online money transfer, digital payment services and provides customers with working capital.

Businesses using Payoneer:

4 successful businesses are using Payoneer ➜

Get Payoneer ➜

23. 2Checkout

The leading all-in-one monetization platform that allows businesses to quickly expand internationally and optimize recurring revenue streams across channels, by simplifying the back-end complexities that modern digital commerce creates.

Businesses using 2Checkout:

4 successful businesses are using 2Checkout ➜


Get 2Checkout ➜

24. Razorpay

A payment gateway for India with developer friendly API, easy integration and transparent pricing.

Businesses using Razorpay:

4 successful businesses are using Razorpay ➜

Get Razorpay ➜

25. ThriveCart

A hosted shopping cart platform that was designed to make selling products and services online easy. It's perfect for marketers with its bump offers and integrated affiliate platform.

Businesses using ThriveCart:

4 successful businesses are using ThriveCart ➜

Get ThriveCart ➜

26. Affirm

Financial products.

Businesses using Affirm:

3 successful businesses are using Affirm ➜


Get Affirm ➜

27. Quadpay

An alternative payment provider that allows brands to give their customers the opportunity to split their purchases into 4 interest-free, automatic installments.

Businesses using Quadpay:

3 successful businesses are using Quadpay ➜


Get Quadpay ➜

28. Recurly

Provides enterprise-class subscription billing management for thousands of businesses worldwide.

Businesses using Recurly:

3 successful businesses are using Recurly ➜


Get Recurly ➜

29. Bitpay

A crypto-debit card which allows its users to use their bitcoin reserves to make payments at any brick-and-mortar outlets wherever major credit cards are accepted.

Businesses using Bitpay:

3 successful businesses are using Bitpay ➜


Get Bitpay ➜

30. Veem

An online payment service provider.

Businesses using Veem:

3 successful businesses are using Veem ➜

Get Veem ➜

31. Ko-fi

The friendly way for fans to support your work for the price of a coffee.

Businesses using Ko-fi:

3 successful businesses are using Ko-fi ➜


Get Ko-fi ➜

32. zip

Using your account and credit line, you can make purchases which you then pay back in regular installments.

Businesses using zip:

2 successful businesses are using zip ➜

Get zip ➜

33. Revenuecat

Is a powerful, secure, reliable, and free to use in-app purchase server with support for Apple, Google, and Stripe payments.

Businesses using Revenuecat:

2 successful businesses are using Revenuecat ➜


Get Revenuecat ➜

34. Clover

Customized point of sale devices that make running your business easier & accepting payments from customers seamless.

Businesses using Clover:

2 successful businesses are using Clover ➜


Get Clover ➜

35. Paywhirl

Makes it easy to create and manage recurring payment plans online. It removes the hard work necessary to code all the pages that allow your customers to sign-up for subscriptions, make payments, create customer accounts and manage their own customer data.

Businesses using Paywhirl:

2 successful businesses are using Paywhirl ➜

Get Paywhirl ➜

36. Signifyd

Chargeback protection.

Businesses using Signifyd:

2 successful businesses are using Signifyd ➜


Get Signifyd ➜

37. Book Like A Boss

A free appointment scheduling software with Payment & Calendar scheduling app Integrations.

Businesses using Book Like A Boss:

2 successful businesses are using Book Like A Boss ➜


Get Book Like A Boss ➜

38. Laybuy

An approved payment gateway.

Businesses using Laybuy:

1 successful business is using Laybuy ➜

Get Laybuy ➜

39. Skrill

An e-commerce business that allows payments and money transfers to be made through the Internet, with a focus on low-cost international money transfers.

Businesses using Skrill:

1 successful business is using Skrill ➜

Get Skrill ➜

40. Kickpay

Data driven inventory financing for hardware companies.

Businesses using Kickpay:

1 successful business is using Kickpay ➜


Get Kickpay ➜

41. Flywire

The Leading Provider of International Payment solutions for the Education Industry.

Businesses using Flywire:

1 successful business is using Flywire ➜


Get Flywire ➜

42. Wordpay

A payment processing company.

Businesses using Wordpay:

1 successful business is using Wordpay ➜


Get Wordpay ➜

43. iCard

Computer Definition (1) (Internet CARD) An electronic postcard (e-card) service from Apple that was discontinued in 2008.

Businesses using iCard:

1 successful business is using iCard ➜


Get iCard ➜

44. Payment Express

PCI compliant payment gateway for merchants worldwide accepting credit & debit cards in retail, online, call centre, OPT/UPT & vending environments.

Businesses using Payment Express:

1 successful business is using Payment Express ➜


Get Payment Express ➜

45. ViaBill

A payment solution for purchases of up to 2.000 kr. ViaBill enables you to “buy now and pay later” in four equal monthly installments, interest-free.

Businesses using ViaBill:

1 successful business is using ViaBill ➜

Get ViaBill ➜

46. Payment Work Suite

A new high-performance payment platform whose deep, multi-layer security provides peace of mind to customers.

Businesses using Payment Work Suite:

1 successful business is using Payment Work Suite ➜

Get Payment Work Suite ➜

Pat Walls,  Founder of Starter Story

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