Best Mobile Payment Processing Software in 2026
Updated
In short: PayPal Invoicing is ranked #1 of 25 as of 4 October 2026, ahead of PayAnywhere and Zeller. The best-ranked option with a free plan is PayAnywhere. The lowest first paid tier on this page is Stripe Terminal at $2.70/mo.
Taking payments on a phone can involve different methods, equipment and payout arrangements. Compare payment methods, reader requirements and Tap to Pay support, then check whether offline payments or recurring charges are available. Payout timing can matter for cash flow, while free-plan availability and paid-from pricing help frame cost. The ranking opens with PayPal Invoicing, PayAnywhere and Zeller; Clover Go and Helcim follow among the first entries. Consider how those listed capabilities line up with the way your business accepts payments and receives funds.
25 mobile payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
#1 PayPal Invoicing Top pick · 7.4 Free plan · Free
#2 PayAnywhere Runner-up · 7.3 Free plan · Free
#3 Zeller Also great · 7.3 Free plan · £5/mo
- Free plan WebiOSAndroid
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- No
- Payout timing
- instant
RecognisedDocumentedFree planFree trialPlatforms - Free plan AndroidiOSWeb
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- Yes
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - Free plan AndroidiOSWeb
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- No
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms£5/mofirst paid tier About ZellerVisit site - AndroidiOSWeb
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- Yes
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - Free trial AndroidapiiOSWeb
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- Yes
- Payout timing
- instant
RecognisedDocumentedFree planFree trialPlatforms - Free plan AndroidapiiOSmacOSWebWindows
- Free plan
- No
RecognisedDocumentedFree planFree trialPlatforms - Free plan AndroidiOS
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - Free plan WebiOSAndroid
- Free plan
- Yes
- Paid from
- 49 /mo
RecognisedDocumentedFree planFree trialPlatforms£7/mofirst paid tier About SumUp InvoicesVisit site - Free plan AndroidiOS
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Payout timing
- instant
RecognisedDocumentedFree planFree trialPlatforms - iOSWeb
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- Yes
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - AndroidapiiOSWeb
- Free plan
- No
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- Yes
- Payout timing
- instant
RecognisedDocumentedFree planFree trialPlatforms$2.70/mofirst paid tier About Stripe TerminalVisit site - WebiOSAndroid
- Free plan
- No
- Reader required
- Yes
- Tap to Pay
- No
- Payout timing
- standard
RecognisedDocumentedFree planFree trialPlatforms - iOSAndroid
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- No
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - iOSAndroid
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- Yes
- Payout timing
- instant
RecognisedDocumentedFree planFree trialPlatforms - WebiOSAndroid
- Reader required
- Yes
- Tap to Pay
- No
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - WebiOSAndroid
- Reader required
- Yes
- Tap to Pay
- No
- Offline payments
- Yes
RecognisedDocumentedFree planFree trialPlatforms - iOSAndroid
- Tap to Pay
- Yes
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - Android
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- No
- Offline payments
- Yes
RecognisedDocumentedFree planFree trialPlatforms - WebiOSAndroid
- Free plan
- No
- Reader required
- No
- Tap to Pay
- Yes
- Payout timing
- instant
RecognisedDocumentedFree planFree trialPlatforms - iOS
- Free plan
- Yes
- Reader required
- No
- Tap to Pay
- Yes
RecognisedDocumentedFree planFree trialPlatforms - WebiOS
- Free plan
- No
- Reader required
- Yes
- Tap to Pay
- No
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - iOSAndroid
- Free plan
- No
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- No
- Payout timing
- next_day
RecognisedDocumentedFree planFree trialPlatforms - Web
- Free plan
- No
- Reader required
- No
- Tap to Pay
- Yes
- Offline payments
- No
RecognisedDocumentedFree planFree trialPlatforms - WebiOSAndroid
- Free plan
- No
RecognisedDocumentedFree planFree trialPlatforms - WebRecognisedDocumentedFree planFree trialPlatforms
Is your platform on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which mobile payment processing software is ranked first on The Geeks Club?
PayPal Invoicing is ranked #1 of 25 with a score of 7.4. PayAnywhere is second and Zeller third.
How many of these have a free plan?
7 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Stripe Terminal has the lowest first paid tier we found: $2.70/mo.
How is this list ranked?
Ranked on how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on. Paid placements never change a rank.