Best Free B2B Payment Platforms of 2025

EBizCharge is the leader in integrated payment solutions that helps businesses facilitate electronic payment processing, enhance transaction security, and increase client profits. Providing businesses with the tools they need to make transactions faster, safer, and less expensive while offering a premium payment processing experience. EBizCharge applications are PCI-compliant and fully integrated with major ERP/accounting systems, including QuickBooks, Sage ERP products, SAP Business One, Microsoft Dynamics, NetSuite, Epicor, Acumatica, and major online shopping carts, including Magento, WooCommerce, and Volusion.

Melio is an accounts payable platform designed to simplify bill payments, improve workflows, and maximize cash flow efficiency for businesses of all sizes. To get started, enjoy 90% off any premium plan for the first three months. You can pay vendors online using bank transfers or credit/debit cards—even if they only accept checks—while Melio takes care of the manual tasks. Integrate seamlessly with QuickBooks and Xero to keep your accounting up-to-date. Melio allows you to pay through bank transfer or card, helping you extend your cash flow and gain rewards. Enter vendor or bill details manually, upload, or snap a photo of the invoice—it’s that simple. Schedule payments according to your cash flow plan and let Melio manage them. Additionally, you can pay international vendors in their local currency for services and products. On-the-go? No problem, just get the Melio mobile app on iOS or Android to manage your payments, process approvals, and much more no matter where your business day takes you.

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.

PayPal is trusted by 9 million merchants to help them establish, operate, and expand their businesses. With an array of tools, products, financing options, and dedicated support, you can effectively manage essential tasks such as payment processing, website development, shipping, and marketing. Additionally, we offer business loans* that enable you to obtain funding that supports both startup initiatives and ongoing growth. You can receive payments both online and in-person, whether through online invoicing, customized checkouts for your website, or mobile card readers for transactions on the move. Choose from various products and services crafted to streamline your daily operations, including features for tracking payments and printing shipping labels. In addition, discover our merchant lending solutions that facilitate quick access to necessary funds for your business, while also providing your customers with financing options that allow them to pay over time, ensuring you receive your payment upfront. Our goal is to empower your business every step of the way, making it easier to focus on what truly matters: growth and customer satisfaction.

Runa provides digital value infrastructure that allows you to create embedded reward, payout and incentive experiences. The Runa Network offers a wide variety of digital payout types, including subscriptions, donations and gift cards. Runa allows companies to pay their employees in any digital value, anytime, anywhere. Runa's network and infrastructure facilitate payouts, helping businesses increase their reach, retain users, modernize their way of managing and transferring money.

Nickel is a cutting-edge payment and credit solution designed specifically for small to medium-sized B2B enterprises. By providing a comprehensive platform, Nickel assists business owners and finance departments in enhancing cash flow while simplifying operations related to accounts receivable, accounts payable, and trade credit. Among its notable offerings are: Payment Processing: Unlimited ACH transfers at no cost and a competitive card processing fee of 2.9%. The ability to deposit checks directly into Nickel while managing significant transactions up to $1 million. Accounts Receivables: Customizable Payment Links and Payment Portals that facilitate effortless payment collection. The capability to accept payments through cards, ACH, or checks from a wide network of over 14,000 banks. One-click payments are enabled by securely storing buyer payment details for convenience. Accounts Payables: Efficient vendor onboarding through a personalized Vendor Portal. The automation of bill approvals and the option to pay vendors using cards, ACH, or traditional checks. Trade Credit: A Digital Credit Application that accelerates the customer onboarding process and enhances vetting efficiency. In addition, the trade credit program provides buyers with generous 60-day payment terms to improve their cash flow management.

Stop settling with slow payments and say hello to the future of streamlined AR/AP. With Forwardly, small businesses in the USA can receive and send payments instantly, 24/7/365, manage cash flow, and simplify accounting with automatic reconciliation. Say goodbye to payment delays and impress your clients with ridiculously low fees, no monthly subscription, and an award-winning cash flow management platform. To get started for free, visit Forwardly.com.

Paddle is a subscription commerce platform and billing platform for Software- and SaaS-based companies. It is more difficult than ever for customers to keep up, to find international growth opportunities, or to effectively manage your internal resources. Paddle allows you to focus on scaling your business, rather than spending time fixing internal roadblocks. Paddle offers a complete suite of tools, including optimized checkout to sell your product, recurring billing, fraud detection and manual invoicing. It also includes sales taxes, global currencies, customer service, analytics, and more.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Grow your business with finance. Accept payments from customers. Automate payments to vendors and employees. Never run out of working capital. You can mix and match products from Razorpay's Payment Suite to suit your business needs. Razorpay is the best way to integrate, onboard online, check out the features, and enjoy the best performance. Razorpay Payment pages is the easiest way for you to accept payments from a custom-branded online shop. Automated payment receipts allow you to accept international and domestic payments. Online shopping is easy with no code. Preparation is key! Hosted Event Registration allows you to quickly register attendees online and send them automated receipts. Fundraising for a worthy cause? Hosted Donations saves time and automatically sends 80G receipts.

Grow your business with innovative financial software and services from Brex. With Brex, you can send free ACH and wire transfers globally, enjoy elevated card limits, earn valuable rewards, and conveniently monitor your expenses all in one platform. Designed for those who embrace a unique approach, this service accelerates your growth by integrating deposits, spending, and financial controls into a single account. The comprehensive finance solution streamlines everything from employee purchases to vendor payments while facilitating effective expense tracking. Simply email or text your receipts, and we’ll ensure they are matched to the correct expenses seamlessly. You can also synchronize your expense data across various systems to automate the reconciliation process. Generate tailored spend reports that help identify potential areas for cost savings. Manage card issuance, transaction searches, approvals, and follow-ups—all from one centralized location. You have the option to create customized cards with specific limits for each subscription, vendor, and employee at no cost. Additionally, you can set individual spending limits, allowing users to access approved funds for designated expenses, such as training sessions or snacks for remote work. This flexibility makes managing finances simpler and more efficient for your team.

Stripe Billing offers your business an efficient solution for managing customer subscriptions and invoices seamlessly. It enables you to maximize revenue potential, embrace innovative products or business models, and facilitate recurring payments on a global scale. Instantly begin processing both one-time and subscription payments using various methods including cards and ACH. You have the option to test and implement changes using our API or directly through the Dashboard. The platform provides flexible billing configurations suitable for diverse pricing strategies, from per-seat charges to metered billing, all available right from the start. Built-in features accommodate coupons, free trials, prorations, add-ons, and overages, enhancing your billing capabilities. To minimize customer churn, it incorporates intelligent retries, automated notifications for failed payments, and an automatic card updater, showcasing its effectiveness as demonstrated by a reported recovery of 38% of failed payments by businesses using Stripe Billing in 2021. Moreover, it offers insightful automated reporting and revenue recognition tools to help you monitor your growth, churn rates, and overall financial health, while also allowing for seamless integration of billing and payment data with your existing workflows, ensuring a streamlined operational experience. With these features combined, Stripe Billing stands out as a comprehensive solution for businesses looking to simplify their billing processes.

Maxio empowers B2B SaaS leaders in monetizing their businesses and uncovering critical financial insights in a volatile market. Natural growth is not a straight line. It ebbs-and-flows with the market. Maxio can help you navigate your business through any inflection point, no matter where you are on your growth path. Maxio is a system that supports your monetization model, no matter how complex or simple, without compromising the agility necessary to meet changing market needs. Maxio is able to strike the right balance. Maxio will not let your systems stop you from going to market. Maxio is the core of your tech stack. Maxio automates the manual tasks between your CRM, GL and reporting tools. You need to have insights now, not two weeks later, in order to navigate a constantly changing market. Maxio allows you to quickly and accurately answer your most difficult business questions.

Zelle® offers a quick, secure, and straightforward method to transfer money to friends, family, and trusted individuals. You can have funds deposited straight into your bank account within minutes. To begin, enroll your email or U.S. mobile number via your banking app or the Zelle app. Then, input the recipient's preferred email or U.S. mobile number. Nearly anyone you know and trust with a U.S. bank account can receive money through Zelle. Simply specify the amount you want to send, and your recipient will receive a notification detailing how they can complete the transaction rapidly and easily. Zelle is ideal for various situations, making it perfect for everything from sharing expenses to paying back small debts. And remember, it’s incredibly fast—your money can be in your account in mere minutes! To learn more about how you can use Zelle safely, be sure to watch the informative resources available. Whether you're splitting bills or reimbursing a friend, Zelle ensures that you can send money to a trusted person within minutes, directly into their bank account.

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.

Facilitate payments, establish complimentary online stores, manage shipping, secure loans, and various other functionalities to enhance your business operations. With Instamojo’s offerings, you can effortlessly accept payments online, set up your free storefront, purchase domains, and utilize mailbox services among other tools designed to kickstart your enterprise. Oversee online transactions, orders, inventory, and customer information from one centralized interface. You can monitor payments, shipments, and leads conveniently on both mobile devices and desktops. Additionally, you can obtain cash flow loans, tap into growth and marketing resources, and utilize multiple free online business solutions to increase your income and expand your clientele. The Instamojo Android app provides exclusive add-ons to further empower your business! Quickly access your Instamojo links for expedited sharing. The app also allows you to manage and schedule your shipments and payments with ease. Accelerate your payout processes and verify your eligibility for small loans. Keep a comprehensive ledger tool available for tracking both payables and receivables. With PCI-DSS certified payment methods, SSL certified websites, and other security measures, your business remains completely secure at all times. This comprehensive suite of features ensures you have everything needed to thrive in the competitive online marketplace.

Smart Business Banking for Startups, SME's and Freelancers Take control. You can save time. All of it for you. Invoicing, banking, payment gateway, billing and payment link. We also offer tax return filing tools to help you save time and money. You should be focusing on your business and not on finance and banking. Enalo allows you to link your current accounts to Enalo for seamless payment collection and payouts. Industry-leading encryption and security. Smart business insights and real-time transaction notifications keep you in control. Support is available 24/7 to assist you.

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.

CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different.

Forward-thinking enterprises optimize their operations and reduce expenses with our comprehensive card issuing and payment solutions. Whether you need to issue a handful of cards or tens of thousands, we ensure delivery directly to cardholders, your organization, or in a virtual format. You can manage your spending effortlessly through our intuitive card management system, allowing you to distribute funds wherever necessary. Enhance your experience by simplifying expense management, offering rewards and incentives, or making secure cash payouts via card. Our adaptable payment solution serves as an efficient and economical method for handling large volumes of both domestic and international transactions, featuring competitive foreign exchange rates and complete transparency with no hidden costs. We provide all the essential tools to oversee your business payments through one robust platform. Additionally, you can quickly launch your innovative payment or card initiatives with ease, leveraging our regulatory authorizations, scheme licenses, product knowledge, and strong industry collaborations. Experience the convenience of a streamlined process that empowers your business growth and financial management.

Introducing our comprehensive solution known as Business-in-a-Box, which encompasses a multi-currency account along with international payment capabilities, accounting, legal, and virtual office services. This all-in-one financial platform is designed to support you in launching, managing, and expanding your business seamlessly. Effortlessly send and receive payments across more than 150 countries while benefiting from competitive foreign exchange rates. Enjoy the convenience of multi-currency accounts that come with local bank details in over 14 major currencies, along with support for SWIFT, SEPA, Faster Payments, and several local payment systems. Additionally, you can manage accounting and legal tasks of varying complexities all from one central location, ensuring that your business operations remain streamlined and efficient. With Business-in-a-Box, you can focus on growing your enterprise without the hassle of juggling multiple services.

Our comprehensive platform is designed to address the financing and banking needs of the 41% of underserved MSMEs in Southeast Asia, which represents more than 70 million businesses. We provide innovative, flexible, and secure financial solutions at competitive rates to support and empower entrepreneurs in their ventures. Our offerings include Digital Business Accounts, Multi-Currency Business Accounts, Buy Now Pay Later (BNPL), Crowd Funding, Visa Business Cards, and both local and international money transfers, as well as Team & Spend Management tools, all focused on fostering entrepreneurial growth. A key focus of our Supply Chain Financing is to enhance cash flow for companies like yours while nurturing strong relationships with your buyers. By enrolling in our supply chain financing program, manufacturers receive immediate payment for their delivered goods, while distributors benefit from a manageable monthly repayment plan. Ultimately, effective supply chain finance is crucial to optimizing your global working capital strategy and ensuring long-term business success. Through our services, we aim to create a more equitable financial landscape for MSMEs in the region.

CHERRY is a B2B payment processing solution that seamlessly integrates with existing accounting software like QuickBooks and connects with banking payment platforms, enhancing automation and removing manual tasks for the payer, bank, and payee. By automating payments, CHERRY ensures that transaction-related data is instantly synchronized from the accounting software to the intended recipient, effectively removing the need for redundant data entry and optimizing transaction approval workflows within the current accounting system. When a payment is recorded in the accounting software, the CHERRY platform generates a vCheck™ (virtual check) which can be digitally reviewed and approved before being sent for processing by the user's bank. The traditional approach to digital payments starts outside of accounting applications, leading to accounting issues due to a manual process that is often cumbersome and susceptible to errors from duplicate entries. With CHERRY, users can complete payments directly within their accounting application, significantly enhancing efficiency and reducing the risk of mistakes. This innovative solution not only simplifies the payment process but also ensures a smoother financial management experience overall.

AxxonPay stands out as a leading provider of payment solutions and acts as a direct bank card acquirer tailored for high-risk merchants. We deliver a comprehensive selection of payment services encompassing Visa, Mastercard, JCB, UnionPay, as well as a variety of alternative payment options for customers around the world. Our technologies, which are driven by data, are specifically designed to meet the requirements of e-commerce businesses, ensuring that online transactions are straightforward, secure, and free from complications. Our payment gateway enables an integrated omnichannel payment experience, which merges acquiring capabilities with over 100 payment options, mass payouts, and innovative technology through one seamless connection. AxxonPay ensures rapid fund transfers at the click of a button, allowing clients to enjoy lower operational expenses and quicker market entry for growth initiatives, while achieving an ideal equilibrium between conversion rates and security measures. With a workforce exceeding 700 individuals, AxxonPay maintains a worldwide footprint with offices located in four different countries, and we operate under the licensing of the FCP in the UK. This extensive global presence enables us to provide exceptional support and services to clients, further enhancing their payment processing experiences.

Koverly guarantees timely bill payments, allowing you to select the optimal payment method for your business during the checkout process. Effortlessly make global online payments in over 100 currencies, benefiting from competitive exchange rates and full visibility of your international transactions. You can transfer funds to nearly any country, checking live exchange rates for popular currency pairs along the way. Your vendor receives payment immediately, while you have 30 days to settle the amount. By setting up a KoverlyPay account, you can access a portion of your line to delay foreign exchange payments for an additional 30 days without incurring interest or fees. Koverly ensures your vendor is paid instantly and locks in your exchange rate for added security. Additionally, you can divide payments into manageable installments over 4, 8, or 12 weeks by opting for KoverlyPay at checkout. Koverly follows stringent security and compliance protocols to protect your business payments and personal data, ensuring they remain encrypted and secure consistently. Regular training and certifications for staff regarding security, compliance, and privacy further reinforce Koverly's commitment to safeguarding your financial transactions. This comprehensive approach ensures that your business remains protected and operates smoothly in an increasingly global marketplace.