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6 best omnichannel & Online payment processing software in 2026. By Riley Burke Last Updated: October 15th, 2026 Key takeaways. * Omnichannel payment processing connects every channel a customer might use, from ecommerce and phone to in-person and recurring payments, so payment data does not have to be moved manually between systems. * Stripe and Clover offer online, mobile, and in-person payments, but neither connects natively with accounting or ERP workflows the way a dedicated integration does. EBizCharge instead connects payments across every channel directly with accounting and ERP systems like QuickBooks, NetSuite, Sage, and Acumatica. * EBizCharge also integrates with shopping cart platforms like Magento, WooCommerce, and BigCommerce, bringing ecommerce payment data into the same connected workflow. Customers can pay in more ways than ever, from online checkout and invoices to phone, mobile, and in-person payments. The challenge is keeping all those payment channels connected without creating more behind-the-scenes work. This article compares four of the best omnichannel and online payment processing software options in 2026: EBizCharge, Stripe, Square, Adyen, Stax, and Clover. What is omnichannel payment processing? Omnichannel payment processing means accepting and managing payments across multiple channels while connecting the customer experience and the payment data behind it. * Common channels: * Ecommerce checkout and shopping carts * Electronic invoices * Phone payments (virtual terminal) * Mobile payments * In-person payments (EMV terminals) * Payment links * Customer payment portals * Recurring payments Omnichannel vs. Multichannel. A multichannel business accepts payments in several places, while an omnichannel business connects those payment channels. For example, a company may accept payments online, by phone, and in person, but still manually move payment information between systems. In that case, the payment experience is multichannel, not omnichannel. Payment solutions for Omnichannel & Online businesses compared side-by-side. | Feature | / | / | / | / | / | / | | Best for | Omnichannel tied to accounting or ERP | Online-first businesses | SMBs selling in person and online | Large businesses across channels | SMBs wanting an all-in-one platform | POS-first retail, restaurant, service | | What sets it apart | Channels sync to accounting | Customizable digital checkout | POS and online store in one | Unified commerce platform | Invoicing and virtual terminal in one | POS hardware plus virtual terminal | | Phone payments (virtual terminal) | / | / | / | / | / | / | | Customer payment portal | / | / | / | / | / | / | | Accounting and ERP integration | / | / | / | / | / | / | | / | Contact Sales | / | / | / | / | / | = Partial, varies, or needs partner/custom work 6 best omnichannel & Online payment processing software. 1. EBizCharge. Best for: Businesses that want omnichannel payment processing connected with their accounting or ERP workflows. Key Features: * Payments accepted: Credit/debit cards and ACH/eCheck online, on mobile, by phone, and in person * Card-present and phone payments: Virtual terminal and EMV payment devices * Mobile payments: Mobile app for quick payments, card scanning, invoice and sales order payments, and text or email receipts * Paperless payments: Email pay, payment links, customer payment portal, recurring payments, and autopay * Shopping cart integrations: Adobe Commerce (Magento), WooCommerce, BigCommerce, nopCommerce, Odoo eCommerce, Miva, OpenCart, and more * Accounting and ERP integrations: Business Central, NetSuite, Acumatica, Sage, QuickBooks, SAP Business One, Epicor Kinetic, Odoo, and more * Security: PCI compliance, encryption, tokenization, and AVS/CVV 2. Stripe. Stripe screen via stripe.com Best for: Online-first businesses that want flexible, customizable digital payment experiences. Key Features: * Online and ecommerce payments * Payment links * Recurring/subscription payments * Digital wallets * In-person payments through Stripe Terminal * Developer APIs * 3D Secure * Fraud prevention 3. Square. Square screen via squareup.com Best for: Small and midsize businesses that accept both in-person and online payments. Key Features: * POS payments * Online payments and online store * Card readers and terminals * Mobile payments * Virtual terminal * Invoices * Ecommerce capabilities 4. Adyen. Adyen screen via docs.adyen.com Best for: Large and global businesses managing online and in-person commerce. Key Features: * Online, in-person, and mobile payments * Unified Commerce * Global payment methods * Cross-channel payment data * 3D Secure * Enterprise payment infrastructure 5. Stax payments. Stax screen via G2 Best for: Businesses that want to manage online, in-person, and mobile payments through one platform. Key Features: * Credit/debit card and ACH payments * Online and ecommerce payments * In-person payments with smart terminals and mobile card readers * Mobile payments through the Stax app * Virtual terminal for phone and manually entered payments * Digital invoicing and automated payment reminders * Payment links and hosted payment pages * Recurring billing and scheduled payments * Centralized payment reporting and analytics * Integrations and developer APIs 6. Clover. Clover screen via docs.clover.com Best for: Retail, restaurant, and service businesses that want POS-first payment processing across in-person and online channels. Key features: * POS payments * Card readers and terminals * Mobile payments * Online payments * Ecommerce * Virtual Terminal * Email invoicing * Phone payments * Unified dashboard Why omnichannel payments look different for every business. The right mix of payment channels and integrations depends on how a business operates and how its customers prefer to pay. B2B and invoice-based businesses: invoice payments, ACH/eCheck, payment links, customer portals, phone payments, ERP integration, and automatic posting and reconciliation Retail: POS, EMV terminals, mobile payments, ecommerce, online ordering, and payment data connected across online and in-person channels Ecommerce and subscription businesses: online checkout, shopping cart integrations, digital wallets, recurring billing, saved payment methods, and online payment security Larger businesses with multiple systems or locations: system integrations, centralized payment information, cross-channel reporting, payment synchronization, and reconciliation Connect your payment channels with EBizCharge. Customers may pay through different channels, but businesses should not have to manage every payment through a completely separate process. EBizCharge gives customers multiple ways to pay while connecting payment information with accounting and ERP workflows to reduce repetitive payment matching, posting, and reconciliation. Your customers should have flexibility in how they pay without creating more work for your team. See how EBizCharge can help connect your payment channels with the systems your business already uses. Frequently asked questions. What is the difference between omnichannel and online payment processing? Online payment processing handles digital transactions, while omnichannel payment processing connects online, in-person, mobile, phone, and invoice payments into one system. What is paperless payment processing? Paperless payment processing allows businesses to accept electronic payments through credit cards, ACH/eCheck, payment links, digital invoices, customer portals, and recurring payments. What is shopping cart payment processing? Shopping cart payment processing connects an ecommerce checkout with a payment processor to securely accept online payments and track transactions. What is a 3DS payment processing service? A 3DS payment processing service uses 3D Secure authentication to help verify cardholders and reduce fraud during eligible online transactions. Can omnichannel payment processing integrate with accounting or ERP software? Yes. Many solutions integrate with accounting and ERP systems to automatically sync payments, update invoices, and simplify reconciliation. What payment methods should omnichannel payment software support? Look for support for credit and debit cards, ACH/eCheck, online and in-person payments, mobile payments, payment links, and recurring billing. How can omnichannel payment processing reduce manual reconciliation? Integrated omnichannel payments can automatically match transactions to invoices and update accounting records, reducing manual data entry and errors.

EBizCharge named to the Inc. 5000 list of America's Fastest-Growing Private Companies for eighth time. August 18, 2026 EBizCharge Recognized for 58% Three-Year Revenue Growth, Earning a Place Among the Nation's Most Successful Independent Businesses EBizCharge is proud to be named a 2026 Inc. 5000 fastest-growing private company for the eighth time, posting an impressive 58% three-year revenue growth from 2022 to 2025. EBizCharge ranked No. 534 in California and No. 345 in the Financial Services category on this year's list. The Inc. 5000 list is the most prestigious ranking of the nation's most successful independent and entrepreneurial businesses, recognizing companies that have achieved remarkable growth while driving innovation, creating jobs, and shaping the future of the economy. Past honorees include companies such as Microsoft, Meta, Chobani, Oracle, and Patagonia. This year's Inc. 5000 list recognizes a new class of companies redefining what growth looks like. From AI and advanced manufacturing to healthcare, consumer products, and professional services, these businesses are expanding their impact, creating jobs and proving that entrepreneurial ambition continues to fuel the U.S. economy. Among the 5,000 companies on the list, the median three-year revenue growth rate was 130%, and honorees have collectively added more than 627,208 jobs to the U.S. economy over the past three years. Companies on the 2026 Inc. 5000 are ranked according to percentage revenue growth from 2022 to 2025. To qualify, companies must have been founded and generating revenue by March 31, 2022. They must be U.S.-based, privately held, for-profit, and independent - not subsidiaries or divisions of other companies - as of December 31, 2025. The minimum revenue required is $100,000 for 2022 and $2 million for 2025. "Every company on the Inc. 5000 has a story of perseverance, smart decision making, and a refusal to sit still," says Mike Hofman, editor-in-chief of Inc. "Their growth reflects more than strong financial performance - it reflects creativity, resilience, and the customer focus required to build companies that make a lasting impact. We congratulate all honorees on this significant achievement." This milestone reflects the strength of EBizCharge's innovative financial technology, expansive product suite, and top-rated service. As a leading fintech provider across North America, EBizCharge delivers over 100 embedded financial solutions, including a full payment gateway, integrated card solutions, and unmatched merchant services. By seamlessly integrating with leading accounting, ERP, CRM, and eCommerce systems, EBizCharge transforms payment processing for 500,000+ users - enabling them to accept credit, debit, and ACH/eCheck payments and manage payment data directly within their existing business software. EBizCharge remains committed to continued growth by expanding and evolving its native payment integrations and financial tools, exceeding customer expectations, and unlocking new markets and opportunities. Inc. will celebrate the honorees at the 2026 Inc. 5000 Conference & Gala, October 14-16 in Dallas, Texas, and the top 500 will be listed in the Fall issue of Inc. Magazine. Details about the Inc. 5000 and the full list of the 2026 Fastest-Growing Private Companies in America are available at https://www.inc.com/inc5000/2026. About EBizCharge. EBizCharge reinvents how companies accept credit card payments with its all-in-one payment solution. EBizCharge is one of the top payment gateway alternatives to its more expensive and inefficient counterparts and is specifically designed to reduce payment processing costs and inefficiencies. EBizCharge integrates seamlessly with 100+ accounting, ERP, CRM, and shopping cart systems, including QuickBooks, Sage, SAP B1, Microsoft Dynamics, Epicor, Magento, Zoho, and WooCommerce. EBizCharge is partnered and certified with Microsoft Dynamics, Acumatica, SAP, Oracle, QuickBooks, WooCommerce, Magento, and many more. For more information, visit https://ebizcharge.com/. About Inc. Inc. is the leading media brand and playbook for the entrepreneurs and business leaders shaping its future. Through its journalism, Inc. aims to inform, educate, and elevate the profile of its community: the risk-takers, the innovators, and the ultra-driven go-getters who are creating the future of business. Inc. is published by Mansueto Ventures LLC, along with fellow leading business publication Fast Company. For more information, visit www.inc.com/.