Category · 64 tools · 6 comparisons
Payment API platforms
These platforms let businesses accept, route, and send payments through APIs.
At a glance
- Tools tracked
- 64
- Entry plans
- $7.95–$5,000/mo
- Typical entry plan
- $150/mo
- Free plan
- 11 of 64
- Cheapest paid
- Paysafe, $7.95/mo
- Best value score
- Creem, 7.5/10
Every tool we cover
API pricing →| Tool | Score | From | Top listed plan | Free plan | Trial | Pages |
|---|---|---|---|---|---|---|
 PolarPolar | 7.8 | $20/mo* | $400/mo | Yes | — | ReviewPricing |
 Stripe ConnectStripe Connect | 7.2 | Free | — | Yes | — | ReviewPricingAlternatives |
 Modern TreasuryModern Treasury | 7.1 | Custom* | — | No | — | ReviewPricing |
 DotsDots | 7.0 | $19/mo | $999/mo | No | — | ReviewPricing |
 OnramperOnramper | 7.0 | $150/mo | $479.17/mo | No | 14 days | Review |
| YunoYuno | 7.0 | Custom* | — | No | — | Review |
 DwollaDwolla | 7.0 | Custom* | — | No | — | ReviewAlternatives |
 BraintreeBraintree | 7.0 | Free* | — | Yes | — | ReviewPricingAlternatives |
 NetcashNetcash | 7.0 | ZAR 309/mo* | ZAR 1,534/mo | Yes | 30 days | Review |
 CreemCreem | 6.8 | Free | — | Yes | — | Review |
 PayabliPayabli | 6.8 | Custom* | — | No | — | Review |
 LithicLithic | 6.6 | Custom* | — | No | — | Review |
 Dodo PaymentsDodo Payments | 6.6 | Custom | — | No | — | Review |
 MollieMollie | 6.6 | €9/mo | €20/mo | Yes | — | ReviewPricing |
 Checkout.comCheckout.com | 6.5 | Free* | — | Yes | — | Review |
 MarqetaMarqeta | 6.5 | Custom* | — | No | — | ReviewAlternatives |
 CybersourceCybersource | 6.5 | Custom* | — | No | — | ReviewAlternatives |
 MONEIMONEI | 6.5 | Custom | — | No | — | ReviewAlternatives |
 PaystackPaystack | 6.4 | Custom* | — | No | — | ReviewAlternatives |
 PayUPayU | 6.4 | Custom* | — | No | — | Review |
 ThunesThunes | 6.3 | Custom* | — | No | — | Review |
 TransakTransak | 6.3 | Custom* | — | No | — | Review |
 FinixFinix | 6.3 | $250/mo* | $250/mo | No | — | ReviewPricing |
 Token.ioToken.io | 6.2 | Custom* | — | No | — | Review |
 AdyenAdyen | 6.2 | Custom* | — | No | — | ReviewPricingAlternatives |
 Stripe TerminalStripe Terminal | 6.2 | Custom | — | No | — | ReviewPricing |
 FlutterwaveFlutterwave | 6.2 | Free* | — | Yes | — | ReviewAlternatives |
 SpreedlySpreedly | 6.2 | $750/mo* | $750/mo | No | — | ReviewAlternatives |
 APEXX GlobalAPEXX Global | 6.2 | Custom* | — | No | — | Review |
 CheckbookCheckbook | 6.1 | $2,000/mo | $2,000/mo | No | — | ReviewPricing |
 FortisFortis | 6.1 | Custom* | — | No | — | Review |
 PaddlePaddle | 6.0 | Free* | — | Yes | — | ReviewPricingAlternatives |
 PaymentwallPaymentwall | 6.0 | Custom* | — | No | — | Review |
 TabaPayTabaPay | 6.0 | Custom* | — | No | — | Review |
 TazapayTazapay | 5.9 | Custom* | — | No | — | Review |
 PaysafePaysafe | 5.8 | $7.95/mo* | $7.95/mo | No | — | ReviewPricing |
 RazorpayRazorpay | 5.8 | Custom | — | No | — | ReviewPricingAlternatives |
 PayTracePayTrace | 5.8 | Custom* | — | No | — | Review |
 Zero HashZero Hash | 5.8 | Custom* | — | No | — | ReviewAlternatives |
 BVNKBVNK | 5.8 | $5,000/mo* | — | No | — | Review |
 NOWPaymentsNOWPayments | 5.8 | Custom* | — | No | — | Review |
 PayrixPayrix | 5.8 | Custom* | — | No | — | Review |
 CoinifyCoinify | 5.7 | Custom* | — | No | — | Review |
 CardPointeCardPointe | 5.6 | Custom* | — | No | — | Review |
 MercuryoMercuryo | 5.6 | Custom* | — | No | — | ReviewAlternatives |
 NiumNium | 5.6 | Custom* | — | No | — | Review |
 CardknoxCardknox | 5.6 | Custom* | — | No | — | Review |
 NMINMI | 5.5 | Custom* | — | No | — | Review |
 FlywireFlywire | 5.4 | Custom* | — | No | — | ReviewAlternatives |
 dLocaldLocal | 5.4 | Custom* | — | No | — | Review |
 WertWert | 5.3 | Custom* | — | No | — | Review |
 Triple-ATriple-A | 5.3 | Custom* | — | No | — | Review |
 PayNearMePayNearMe | 5.2 | Custom* | — | No | — | Review |
 PaymentusPaymentus | 5.2 | Custom* | — | No | — | Review |
 WePayWePay | 5.2 | Custom* | — | No | — | ReviewAlternatives |
 REPAYREPAY | 5.0 | Custom* | — | No | — | Review |
 RippleRipple | 4.8 | Custom* | — | No | — | ReviewAlternatives |
 HyperwalletHyperwallet | 4.7 | Custom* | — | No | — | ReviewAlternatives |
 VeemVeem | 4.7 | $24.99/mo | $24.99/mo | Yes | 30 days | ReviewPricingAlternatives |
 TSYSTSYS | 4.6 | Custom* | — | No | — | ReviewAlternatives |
 PaymodePaymode | 4.4 | Free* | — | Yes | — | Review |
 PPROPPRO | 4.0 | Custom* | — | No | — | Review |
 CryptomusCryptomus | 4.0 | Custom* | — | No | — | Review |
 ImaginePayImaginePay | 3.5 | Custom* | — | No | — | Review |
* Lower confidence: the vendor's pricing page couldn't be read directly or didn't list every price, so the figure was compiled from other public sources and may be incomplete. Check the vendor's page before you buy.
Head-to-head
Highest scored
PolarPolar
A strong fit for AI billing, with transaction and payout fees to model before launch.
Stripe ConnectStripe Connect
A flexible hosted payments layer for platforms, with transaction fees and account-control risks to plan for.
Modern TreasuryModern Treasury
A broad payment API for teams willing to trade infrastructure work for vendor dependency.
Payment API platforms: quick answers
How much do payment API platforms cost?
Paid plans for the 64 payment API platforms we track start between $7.95 and $5,000 a month, and the typical entry plan is about $150 a month. 11 of them have a free plan. Modern Treasury, Yuno, Dwolla, Payabli, Lithic, Dodo Payments, Marqeta, Cybersource, MONEI, Paystack, PayU, Thunes, Transak, Token.io, Adyen, Stripe Terminal, APEXX Global, Fortis, Paymentwall, TabaPay, Tazapay, Razorpay, PayTrace, Zero Hash, NOWPayments, Payrix, Coinify, CardPointe, Mercuryo, Nium, Cardknox, NMI, Flywire, dLocal, Wert, Triple-A, PayNearMe, Paymentus, WePay, REPAY, Ripple, Hyperwallet, TSYS, PPRO, Cryptomus and ImaginePay don't publish a starting price. Prices are the vendors' own, checked Nov 10, 2026; most quote the per-month price when billed annually.
Which payment API platform is the cheapest?
Which payment API platforms have a free plan?
Polar, Stripe Connect, Braintree, Netcash, Creem, Mollie, Checkout.com, Flutterwave, Paddle, Veem and Paymode have a free plan. Onramper offers a free trial instead. Free plans are usually capped on usage, seats or features; each review lists the limits.