18 Beste Zahlungslösungen für kleine Unternehmen im Test 2026

Stripe is an online payment processing platform that mainly serves e-commerce businesses, SaaS companies, and marketplaces. It facilitates various payment methods and offers tools for fraud prevention and financial management.

Why I picked Stripe: The platform excels in providing extensive developer tools, which are ideal if your team requires custom integrations. Stripe's APIs allow for flexible payment processing and easy partnering with existing systems. The documentation is thorough, making it easier for developers to implement. Its support for more than 100 payment methods facilitates global transactions, aligning with its focus on developer-friendly solutions.

Standout features and integrations:

Features include a wide range of APIs for custom payment solutions, tools for managing subscriptions, and fraud prevention mechanisms that help secure transactions. The platform also offers invoicing services, allowing you to automate billing processes. Stripe's financial reporting capabilities provide insights into your business's revenue streams.

Integrations include Shopify, WooCommerce, Salesforce, and more.

PayPal is an online payment system that caters to individuals and businesses worldwide, providing secure payment processing and money transfers. It enables users to send and receive payments in various currencies, making it ideal for international transactions.

Why I picked PayPal: Its global reach allows your business to accept payments from more than 200 countries. PayPal's currency conversion feature ensures you can handle international transactions effortlessly. The platform also offers buyer and seller protection, adding a layer of security for your transactions. Its integration with popular e-commerce platforms makes it a versatile choice for online businesses.

Standout features and integrations:

Features include a user-friendly interface that simplifies payment processes, invoicing tools that help manage billing, and a mobile app for on-the-go transactions. PayPal also offers fraud detection and prevention measures to keep your transactions secure. The platform's reporting tools give insights into your payment activities.

Integrations include Shopify, WooCommerce, Xero, QuickBooks, BigCommerce, Salesforce, Squarespace, and more.

Clover is a POS system designed for small to medium-sized businesses, providing hardware and software solutions for payment processing. It caters to businesses in retail, hospitality, and service industries, offering tools to manage sales, inventory, and customer engagement.

Why I picked Clover: Its hardware integration sets it apart, providing a unified system to manage both payments and business operations. Clover offers a variety of devices, from simple card readers to full POS stations, allowing you to choose what best fits your needs. The platform provides inventory management tools, helping you keep track of stock levels effortlessly. With its analytics features, Clover gives insights into sales trends and customer behavior.

Standout features and integrations:

Features include customizable POS systems, allowing you to tailor the setup to your business needs. The platform offers employee management tools, enabling you to schedule shifts and track hours efficiently. Clover also provides app marketplace access, letting you expand functionality with additional apps.

Integrations include QuickBooks, Xero, Shopify, WooCommerce, Mailchimp, Yelp, and more.

Chase Payment Solutions is a payment processing service designed for businesses of all sizes, offering secure transactions and customizable options. It caters to businesses seeking integrated banking solutions to manage payments and financial transactions efficiently.

Why I picked Chase Payment Solutions: It integrates directly with Chase's banking services, offering an easy way to manage your finances. This integration allows for easy access to funds and simplified account management. The platform provides secure payment processing, ensuring your transactions are protected. With customizable solutions, you can tailor the service to fit your specific business needs.

Standout features and integrations:

Features include secure payment processing that prioritizes transaction safety, customizable payment options to suit different business models, and reporting tools for financial analysis. The platform also offers real-time transaction monitoring, helping you keep track of your business's cash flow. Additionally, Chase Payment Solutions provides fraud detection measures to protect your business.

Integrations include QuickBooks, BigCommerce, TouchBistro, and more.

Wave is an accounting software solution aimed at small businesses and freelancers, offering invoicing, accounting, and receipt scanning functionalities. It provides a platform for managing financial transactions, supporting the process of tracking income and expenses.

Why I picked Wave: Its invoicing tools are user-friendly, enabling you to create professional invoices quickly. Wave allows you to customize invoices with your branding, adding a personal touch to your client interactions. The platform supports recurring billing, making it easier to manage ongoing client relationships. With automatic payment reminders, you can ensure timely payments from your clients.

Standout features and integrations:

Features include a dashboard that gives you an overview of your financial health at a glance. Wave offers receipt scanning, allowing you to capture and store expense receipts digitally. The platform also provides accounting reports, helping you analyze your business's financial performance efficiently.

Integrations include Zapier, Google Sheets, Etsy, and more.

Venmo is a mobile payment service designed for individuals and small businesses, allowing users to transfer money quickly and easily. It is popular among millennials and small business owners for its social payment features and ease of use.

Why I picked Venmo: Its focus on peer-to-peer payments makes it ideal for small businesses needing quick transactions. Venmo offers a social feed where users can share payment activity, adding a unique social element to transactions. The platform supports instant transfers, so you can access funds immediately. With its easy-to-use mobile app, Venmo simplifies the payment process for your team and customers.

Standout features and integrations:

Features include a user-friendly mobile app that allows you to send and receive money with just a few taps. Venmo provides instant transfer options, letting you move funds to your bank account quickly. The platform also offers a social feed, enabling users to interact and share payment details with friends.

Integrations include PayPal, Braintree, Shopify, WooCommerce, BigCommerce, Adobe Commerce, Squarespace, WordPress, and more.

Shopify Payments is an integrated payment gateway designed for Shopify users, facilitating online transactions for e-commerce businesses. It allows merchants to accept payments directly on their Shopify store without needing third-party providers.

Why I picked Shopify Payments: Its integration with Shopify makes it hassle-free for your team to manage payments within the same platform. You don't need a separate merchant account, simplifying the setup process. Shopify Payments supports multiple currencies, enabling you to reach a global audience with ease. With built-in fraud analysis, it helps protect your transactions from deceitful activities.

Standout features and integrations:

Features include automatic tax calculations, reducing the burden on your accounting team. The platform provides detailed financial reports, offering insights into your sales and transactions. Shopify Payments also supports mobile payments, catering to customers who prefer to shop on their phones.

Integrations include QuickBooks, Xero, Facebook, Instagram, Google Analytics, Amazon, eBay, Pinterest, HubSpot, and more.

Cybersource is a payment management platform primarily used by enterprises and growing businesses, offering secure transaction processing and fraud prevention. It helps businesses manage online payments, simplify operations, and safeguard against fraud.

Why I picked Cybersource: Its fraud management capabilities are a key differentiator, providing advanced tools to protect your transactions. Cybersource offers Decision Manager, which uses machine learning to detect and prevent fraudulent activities. The platform also provides a flexible rules engine, allowing you to customize fraud prevention strategies. With its global reach, Cybersource supports transactions in multiple currencies, making it suitable for international businesses.

Standout features and integrations:

Features include a risk management suite that helps you mitigate potential threats. The platform offers reporting tools that provide insights into your transaction data. Cybersource also provides a payment gateway that supports a variety of payment methods, catering to diverse customer preferences.

Integrations include NetSuite, Adobe Commerce, BigCommerce, PrestaShop, and more.

Authorize.net is a payment gateway service tailored for small to medium-sized businesses, facilitating online credit card and electronic check transactions. It provides tools for secure payment processing and fraud prevention.

Why I picked Authorize.net: Its focus on online transactions makes it a reliable choice for e-commerce businesses. Authorize.net offers advanced fraud detection tools, ensuring your transactions are secure. The platform supports multiple payment methods, catering to diverse customer preferences. With its easy setup process, you can integrate it into your existing systems with minimal hassle.

Standout features and integrations:

Features include a virtual terminal that allows you to process payments without a physical card reader. The platform offers recurring billing, making it easy to manage subscriptions and regular payments. Authorize.net also provides detailed transaction reporting, helping you track and analyze your business's financial activities.

Integrations include QuickBooks, Xero, Shopify, WooCommerce, Adobe Commerce, BigCommerce, Salesforce, NetSuite, Squarespace, WordPress, and more.

Stax is a payment solutions provider that caters to software platforms, small businesses, and large enterprises. It offers integrated payment solutions such as Stax Pay for processing transactions and Stax Bill for managing subscription billing.

Why I picked Stax: Its focus on subscription businesses makes it ideal for companies with recurring billing needs. Stax Bill automates subscription management, reducing manual tasks for your team. Stax Connect allows for embedded payments, providing an intuitive experience for your users. The platform also supports compliant surcharging with CardX, helping you manage costs effectively.

Standout features and integrations:

Features include automated subscription billing, which simplifies recurring payments for your business. Stax also offers compliant surcharging options, helping you manage transaction costs. With its real-time analytics, you can gain insights into your payment activities and make informed decisions.

Integrations include PayPal, Later, Venmo, and more.