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5 Best Credit Card Readers for Android of April 2024

Top options include readers from Clover, PayPal, SumUp, Square and Stripe.
By Whitney Vandiver, Karrin Sehmbi
Last updated on April 11, 2023
Edited bySally Lauckner
Fact checked and reviewed

⏰ Estimated read time: 6 minutes

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Running a small business on the Android operating system can sometimes limit what you can do, but finding a good credit card reader isn't an area where you need to settle. Several companies offer sleek designs with competitive processing rates and useful point-of-sale, or POS, systems to help businesses grow in their markets.
Here are the top five credit card readers that made our list for Android users.

Best Credit Card Readers for Android

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Estimates assume an average interchange fee of 1.81% + $0.10, based on our latest available data. Estimates provided reflect online and in-person transactions, but exclude any keyed transactions. Estimates are based on the lowest monthly plan and processing fees for each provider.

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Clover Go

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on Clover Go's secure website

Get an estimated monthly cost for your business.
4.0/5

Best for Payment processing fees

In-person: 2.6% + $0.10

Online: 3.5% + $0.10

$0.00

Payments plan; $14.95 Essentials plan.

Get an estimated monthly cost for your business.
Learn more

on Clover Go's secure website

PayPal Zettle

4.0/5

Best for QR codes

In-person: 2.29% + $0.09

Online: 2.89% + $0.49

$0.00

SumUp Plus

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on SumUp Plus' secure website

3.5/5

Best for Low-cost option

In-person: 2.75% + $0.00

Online: 2.9% + $0.15

$0.00

Learn more

on SumUp Plus' secure website

Square Reader

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on Square Reader's secure website

5.0/5

Best for POS features

In-person: 2.6% + $0.10

Online: 2.9% + $0.30

$0.00

Starts at $0/month for unlimited devices and locations.

Learn more

on Square Reader's secure website

Stripe

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on Stripe Payments' secure website

5.0/5

Best for Customization

In-person: 2.7% + $0.05

Online: 2.9% + $0.30

$0.00

Learn more

on Stripe Payments' secure website

Our pick for

Payment processing fees

Clover Go

Learn more

on Clover Go's secure website

Monthly fee
$0.00

Payments plan; $14.95 Essentials plan.

Our pick for

QR codes

PayPal Zettle

Monthly fee
$0.00

Our pick for

Low-cost option

SumUp Plus

Learn more

on SumUp Plus' secure website

Monthly fee
$0.00

Our pick for

POS features

Square Reader

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on Square Reader's secure website

Monthly fee
$0.00

Starts at $0/month for unlimited devices and locations.

Our pick for

Customization

Learn more

on Stripe Payments' secure website

Monthly fee
$0.00

Clover Go: Best for payment processing fee

Runs on: Android or iOS.
Style: Handheld.
Monthly POS software fee:
  • $0 for Payments plan.
  • $14.95 for Essentials plan.
Hardware:
  • $49 for chip, swipe and contactless Clover Go card reader.
  • $599 for Clover Flex mobile POS with printer.
  • $799 for Clover Mini POS.
  • $1,699 for Clover Station Solo.
  • $1,799 for Clover Station Duo.
Payment processing:
  • 2.6% plus 10 cents for in-person transactions.
  • 3.5% plus 10 cents for online or keyed-in transactions.
Why we like it: Clover Go’s sleek design is easy to use on the go. You can accept all credit cards along with Apple Pay, Samsung Pay and Google Pay, and it takes offline payments when you lose Wi-Fi or a cell signal. While you’ll have to choose a monthly plan, Clover offers a free option with basic POS features, including processing payments and sales tracking.
Pros:
Cons:
  • Doesn’t have a screen to view transaction details.
  • Doesn’t print receipts.
  • Requires paid monthly plan for advanced features.

PayPal Zettle: Best for QR codes

Runs on: Android or iOS.
Style: Handheld.
Monthly POS software fee: Free.
Hardware:
  • $29 for first card reader; additional readers cost $79. Price includes USB cable.
  • $199 for terminal only.
  • $239 for terminal with barcode scanner built in.
  • $249 for Store Kit Mini (screen terminal with card reader).
  • $339 for Store Kit Portable kit with mobile card reader and printer.
  • $499 for Store Kit Standard (adds printer).
  • $699 for Store Kit Plus (adds barcode scanner).
Payment processing:
  • 2.29% plus 9 cents for in-person and QR code transactions.
  • 3.49% plus 9 cents for manual-entry card transactions.
  • 2.89% plus 49 cents for online card payments.
  • 2.99% plus 49 cents for invoicing (payment made with card).
  • 3.49% plus 49 cents for invoicing (payment made with PayPal).
Why we like it: PayPal’s Zettle accepts credit cards, digital wallet payments and QR codes for PayPal accounts. With no monthly fee, the platform offers a cheaper option for businesses that need to accept payments on the go.
Pros:
  • Accepts chip and contactless payments and digital wallets.
  • Creates QR codes for an additional payment method.
  • Has a screen to show transaction details.
  • Doesn’t require a contract or monthly fee.
Cons:
  • Doesn’t swipe magstripe credit cards.
  • Doesn’t support offline payments.
  • Doesn’t print receipts.

SumUp Plus: Best for low-cost option

Runs on: Android or iOS.
Style: Handheld.
Monthly POS software fee: Free.
Hardware:
  • $54 for SumUp Plus card reader.
  • $64 for SumUp Plus cradle bundle.
  • $99 for SumUp Solo touchscreen.
  • $169 for SumUp Solo Printer Bundle.
  • $799 for SumUp POS bundle.
Payment processing:
  • 2.75% for in-person transactions with SumUp card readers.
  • 2.90% plus 15 cents for online invoice transactions.
  • 3.25% plus 15 cents for manually keyed card reader transactions or payment-linked transactions.
  • 2.6% plus 10 cents for in-person transactions with SumUp POS system.
  • 3.5% plus 15 cents for card-not-present transactions with SumUp POS system.
Why we like it: The SumUp Plus reader is small but efficient, processing magstripe and chip cards as well as Apple Pay and Google Pay. It includes a screen to show transaction details and charges pay-as-you-go processing fees so you pay only when you charge customers.
Pros:
  • Accepts magstripe and chip credit cards and digital wallets.
  • Has a screen.
  • Doesn’t require a contract or monthly fee.
Cons:
  • Doesn’t print receipts.
  • Doesn’t process offline payments.

Square Reader for contactless and chip: Best for POS features

Runs on: Android or iOS.
Style: Handheld.
Monthly POS software fee:
  • $0 for Square POS, Restaurant, Retail and Appointments Free plans.
  • $29 for Square Appointments Plus plan.
  • $60 for Square Restaurant Plus plan.
  • $69 for Square Appointments Premium plan.
  • $89 for Square Retail Plus plan.
  • $192 and up for Square Restaurant Essentials Bundle.
  • Custom pricing for Square Retail Premium plan.
Hardware:
  • $0 for Square magstripe-only card reader ($10 for each additional reader) or if using Tap to Pay for iPhone (iPhone not included).
  • $49 and up for Square Reader contactless and chip card reader.
  • $149 for Square Stand iPad POS or Square Stand Mount (iPad not included; monthly financing available).
  • $299 for Square Terminal mobile card reader with built-in printer (monthly financing available).
  • $799 for Square Register two-screen system (monthly financing available).
Payment processing:
  • 2.6% plus 10 cents for in-person transactions.
  • 2.9% plus 30 cents for online transactions.
  • 3.5% plus 15 cents for manually keyed transactions.
  • 3.3% plus 30 cents for invoices.
Why we like it: Square’s Reader accepts chip cards and contactless methods including Google Pay, Samsung Pay and Apple Pay. It uses a pay-as-you-go structure, so you don’t have a monthly fee and pay only when customers are charged. Square’s processing rates are competitive and come with POS features that include reporting and inventory management.
Pros:
  • Accepts chip credit cards and digital wallets.
  • Doesn’t require a contract or monthly fee.
Cons:
  • Doesn’t accept magstripe credit cards.
  • Doesn’t have a screen to show transaction details.
  • Doesn’t accept offline payments.
  • Doesn’t print receipts.

Stripe Reader M2: Best for customization

Runs on: Android or iOS.
Style: Handheld.
Monthly POS software fee:
  • $0 for standard Stripe Connect.
  • $2 per account for Stripe Express (for marketplaces) or Stripe Custom (the white-label option that allows businesses to customize the checkout process).
Hardware:
  • $59 for Stripe Reader M2.
  • $249 for BBPOS WisePOS E card reader.
  • $349 for Stripe Reader S700.
Payment processing:
  • 2.7% plus 5 cents for in-person transactions.
  • 2.9% plus 30 cents for online transactions.
  • 3.4% plus 30 cents for manually keyed transactions.
  • 4.4% plus 30 cents for international card transactions.
Why we like it: Stripe’s Reader M2 doesn’t require a contract and comes with pay-as-you-go pricing for accepting magstripe and chip cards as well as digital wallets. The reader requires you to use a software development kit, or SDK, to integrate it with your application, so some coding knowledge is helpful. But the POS comes with a lot of features that make customization and integrations easier, including embedded checkout, currency conversion, reporting, 24/7 support and a developer dashboard. With these features, skilled users can customize their reader to do more than most others on the market.
Pros:
  • Accepts magstripe and chip cards and digital wallets.
  • Doesn’t require a contract or monthly fee.
Cons:
  • Doesn’t accept offline payments.
  • Doesn’t have a screen to show transaction details.
  • Doesn’t print receipts.
Last updated on April 11, 2023
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