Every free payments tier that clears our bar in 2026: 12 offers meet the criteria and 0 offers are demoted with a named reason. Verified pricing, recorded changes, and a published ranking method.

Best Free Payments Tools

Every free payments tier that clears our bar today. Updated 2026-09-11.

12 offers meet our criteria for this category and none is distinguishable from the others under any signal we record. They are listed in an order that rotates daily; here is how that order is derived. There is no top slot here to sell.
Why trust this data? Every free tier is verified against the vendor's pricing page with dates tracked. We monitor 554 pricing changes and flag vendors that have reduced or removed free tiers. Rankings start every offer at zero and can only demote. There is no signal a vendor can acquire, lobby for, or buy — there is nothing to add. A record reaches a function page when its category names the function or when it carries a subtype label that names the function. Adding a label to a record publishes it here; removing one withdraws it. No page holds a list of vendors. See all 16 payments offers →
1
RevenueCat stable
Free

Hosted backend for in-app purchases and subscriptions (iOS and Android). Free up to $2.5k/mo in tracked revenue.

2
Adapty.io stable
Free

One-stop solution with open-source SDK for mobile in-app subscription integration to iOS, Android, React Native, Flutter, Unity, or web app. Free for apps earning under $5,000/month (rolling 30-day revenue); Pro tier charges 1% of monthly revenue above the $5K threshold.

3
currencylayer stable
Free

Reliable Exchange Rates and Currency Conversion for your Business, 100 API requests/month free.

4
Free

Provides real-time and historical exchange rates. The free tier requires attribution.

5
Currencyapi stable
Free

Free currency conversion and exchange rate data API. Free 300 requests per month, 10 requests per minute for private use.

6
CoinMarketCap stable
Free

Provides cryptocurrency market data including the latest crypto and fiat currency exchange rates. The free tier offers 10K call credits/month.

7
Free

Generate revenue from APIs via usage-based billing. Connect to Stripe, Chargebee, etc. The free tier offers 30,000 events/month.

8
Free

Automatically adjust pricing based on visitor location to expand your business globally and reach new markets (purchasing power parity). The free plan includes 7,500 API requests/month.

9
Zoho Checkout stable
Free

Product Billing management with 3 pages & up to 50 payments.

10
Free

An easy-to-use currency conversion JSON API. The free tier updates once per day with a limit of 1,500 requests/month.

11
Qonversion stable
Free

All-in-one cross-platform subscription management platform offering analytics, A/B testing, Apple Search Ads, remote configs, and growth tools for optimizing in-app purchases and monetization. Compatible with iOS, Android, React Native, Flutter, Unity, Cordova, Stripe, and web. Free up to $10k in monthly tracked revenue. Best for open source projects.

12
vatlayer stable
Free

Instant VAT number validation and EU VAT rates API, free 100 API requests/month

Demoted — and exactly why

These offers reach this page too and rank below the list above. Each one names the recorded fact behind it. A recorded limit reduction, pricing restructure or new restriction is shown on every surface where the offer appears, with its date and summary — but it does not move rank. We have change records for only 16% of vendors, and disproportionately for well-known ones, so ranking on them would demote the vendors we happen to watch most closely.

Nothing on this page is demoted today — we hold no disqualifying record against any of these offers.

Recompute today's order yourself. The order above is a permutation seeded only on the UTC date and the query key — no vendor name, slug, id or offer field is an input. The algorithm is published, so anyone can reproduce this page's order without asking us.
date
2026-09-11
query_key
best-of:Payments
seed
4d5cf726c992ad7ec301e3743a3eb397edadbfddb63f88ae09d5e349f4390191
tie_count
12

Quick Comparison

Vendor Free Tier Key Limits Stability Verified
RevenueCat Free Hosted backend for in-app purchases and subscriptions (iOS and Android). Free up to $2.5k/mo in tracked revenue. stable 2026-08-31
Adapty.io Free One-stop solution with open-source SDK for mobile in-app subscription integration to iOS, Android, React Native, Flutter... stable 2026-09-09
currencylayer Free Reliable Exchange Rates and Currency Conversion for your Business, 100 API requests/month free. stable 2026-08-14
FxRatesAPI Free Provides real-time and historical exchange rates. The free tier requires attribution. 2026-08-14
Currencyapi Free Free currency conversion and exchange rate data API. Free 300 requests per month, 10 requests per minute for private use... stable 2026-08-11
CoinMarketCap Free Provides cryptocurrency market data including the latest crypto and fiat currency exchange rates. The free tier offers 1... stable 2026-08-10
Moesif API Monetization Free Generate revenue from APIs via usage-based billing. Connect to Stripe, Chargebee, etc. The free tier offers 30,000 event... 2026-08-13
ParityVend Free Automatically adjust pricing based on visitor location to expand your business globally and reach new markets (purchasin... 2026-08-12
Zoho Checkout Free Product Billing management with 3 pages & up to 50 payments. stable 2026-07-30
exchangerate-api.com Free An easy-to-use currency conversion JSON API. The free tier updates once per day with a limit of 1,500 requests/month. stable 2026-08-30
Qonversion Free All-in-one cross-platform subscription management platform offering analytics, A/B testing, Apple Search Ads, remote con... stable 2026-09-01
vatlayer Free Instant VAT number validation and EU VAT rates API, free 100 API requests/month stable 2026-08-16

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