Whitney Vandiver joined NerdWallet in 2021. She has a bachelor's degree in English from the University of Central Oklahoma and a doctorate in linguistics from Purdue University. Her work has been published in The Washington Post, the Los Angeles Times and others.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Whitney Vandiver joined NerdWallet in 2021. She has a bachelor's degree in English from the University of Central Oklahoma and a doctorate in linguistics from Purdue University. Her work has been published in The Washington Post, the Los Angeles Times and others.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
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Whitney Vandiver joined NerdWallet in 2021. She has a bachelor's degree in English from the University of Central Oklahoma and a doctorate in linguistics from Purdue University. Her work has been published in The Washington Post, the Los Angeles Times and others.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Whitney Vandiver joined NerdWallet in 2021. She has a bachelor's degree in English from the University of Central Oklahoma and a doctorate in linguistics from Purdue University. Her work has been published in The Washington Post, the Los Angeles Times and others.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
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NerdWallet's small-business software content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business software, including payment processing, accounting and payroll. Their work has appeared in The Associated Press, The Washington Post, Nasdaq, Entrepreneur, ABC News, Yahoo Finance and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Credit card readers for Android give business owners the option to accept debit and credit card payments in-store or on the go using their Android devices. The best Android card readers are affordable, integrate with the rest of your point-of-sale (POS) system and accept popular payment types. Aside from the cost of the Android card reader itself, remember to factor in processing fees, too.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small business and personal finance.
75+ categories of best business software selections.
NerdWallet's small-business software content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business software, including POS systems, payment processing, accounting and payroll. Their work has appeared in The Associated Press, The Washington Post, Nasdaq, Entrepreneur, ABC News, Yahoo Finance and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
Here are NerdWallet’s top picks for the best credit card readers for Android users.
Can process transactions in more than 135 currencies.
No PCI compliance fees.
Cons
Doesn’t sell full countertop POS setups; hardware is limited to handheld terminals and card readers.
Deposits can take up to two business days.
No phone or email support.
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.
Can process transactions in more than 135 currencies.
No PCI compliance fees.
Cons
Doesn’t sell full countertop POS setups; hardware is limited to handheld terminals and card readers.
Deposits can take up to two business days.
No phone or email support.
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.
Doesn’t have a screen to show transaction details.
Doesn’t accept offline payments.
Doesn’t print receipts.
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.
Doesn’t have a screen to show transaction details.
Doesn’t accept offline payments.
Doesn’t print receipts.
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.
Accepts a variety of payment types, including Venmo and PayPal payments.
Inexpensive card reader with a keypad, plus built-in payment processing and a free mobile app lets you quickly accept in-person payments on the go.
Low in-person processing fees for a flat-rate processor.
Cons
Accepting online transactions involves additional monthly fees, depending on your gateway.
No offline mode.
PayPal POS delivers the essentials at a relatively low cost with a small commitment. On top of accepting credit and debit cards (customers can either dip or tap them to the device), it accepts other payment methods like Venmo, PayPal and digital wallets. But consider other options if you want features like customer loyalty and email marketing programs. Although PayPal POS can expand through hardware, it doesn’t offer plan upgrades or those types of add-ons.
Accepts a variety of payment types, including Venmo and PayPal payments.
Inexpensive card reader with a keypad, plus built-in payment processing and a free mobile app lets you quickly accept in-person payments on the go.
Low in-person processing fees for a flat-rate processor.
Cons
Accepting online transactions involves additional monthly fees, depending on your gateway.
No offline mode.
PayPal POS delivers the essentials at a relatively low cost with a small commitment. On top of accepting credit and debit cards (customers can either dip or tap them to the device), it accepts other payment methods like Venmo, PayPal and digital wallets. But consider other options if you want features like customer loyalty and email marketing programs. Although PayPal POS can expand through hardware, it doesn’t offer plan upgrades or those types of add-ons.
Our picks for the best credit card readers for Android
Clover Go
Best for quick deposits
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. Read our full Clover review.
Monthly POS software fees
$0 for Payments plan.
$14.95 for Essentials plan.
Hardware costs
$199 for chip, swipe and contactless Clover Go card reader.
$349 for countertop card reader.
$749 for Clover Flex mobile POS with receipt printer.
$699 for slimmer Flex Pocket with no printer.
$849 for Clover Mini POS.
$799-$899 + $25 per month for kitchen display system.
$1,799 for Clover Station Solo.
$1,899 for Clover Station Duo.
$3,499 + $34.95 per month for self-ordering kiosk.
Payment processing fees
2.6% plus 10 cents for in-person transactions.
3.5% plus 10 cents for online or keyed-in transactions.
Why we like it: PayPal POS 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. Read our full PayPal POS review.
Monthly POS software fees
$0.
Hardware costs
$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.
$229 for Store Kit Mini (tablet stand with card reader and dock).
$339 for Store Kit Portable kit with mobile card reader and printer.
$479 for Store Kit Standard (tablet stand, card reader, dock and printer).
$699 for Store Kit Plus (adds barcode scanner).
Payment processing fees
2.29% plus 9 cents for in-person and QR code transactions.
3.49% plus 9 cents for manual-entry card transactions.
2.99% plus 49 cents for invoicing (payment made with card).
3.49% plus 49 cents for invoicing (payment made with PayPal).
Pros
Accepts chip and contactless payments and digital wallets.
Creates QR codes for an additional payment method.
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. Read our full SumUp review.
Monthly POS software fees
$0.
Hardware costs
$54 for SumUp Plus card reader.
$64 for SumUp Plus cradle bundle.
$99 for SumUp Solo touchscreen.
$169 for SumUp Solo Printer Bundle.
$499 for POS Lite and Solo Bundle.
SumUp POS is quote-based.
Payment processing fees
2.6% plus 10 cents for in-person transactions.
2.90% plus 15 cents for online invoice transactions.
3.5% plus 15 cents for card-not-present transactions.
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
Best for integrating with full POS setups
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. Read our full Square POS review.
Monthly POS software fees
$0 for Square POS, Restaurant, Retail and Appointments Free plans.
$29 for Square Appointments Plus plan.
$69 for Square Appointments Premium and Square Restaurants Plus plans.
$89 for Square Retail Plus plan.
$165 for Square Restaurant Premium plan.
Custom pricing for Square Retail plan.
Hardware costs
$0 for Square magstripe-only card reader ($10 for each additional reader) or if using Tap to Pay for iPhone (iPhone not included).
$59 for Square Reader contactless and chip card reader.
$149 for Square Stand iPad POS or Square Stand Mount (iPad not included; monthly financing available).
$149 for Square Kiosk for self-serve ordering.
$299 for Square Terminal mobile card reader with built-in printer (monthly financing available).
$399 for Square Handheld portable POS system with built-in barcode scanner (monthly financing available).
$799 for Square Register two-screen system (monthly financing available).
Payment processing fees
2.6% plus 15 cents for in-person transactions with all free plans.
2.6% plus 10 cents for in-person transactions with paid restaurant plans.
2.5% plus 10 cents for in-person transactions with paid retail and appointments plans.
2.9% plus 30 cents for online transactions.
3.5% plus 15 cents for manually keyed transactions.
3.3% plus 30 cents for invoices.
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.
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. Read our full Stripe review.
Monthly POS software fees
$0 for standard services.
$10 for custom domain.
Hardware costs
$59 for Stripe Reader M2.
$249 for BBPOS WisePOS E card reader.
$349 for Stripe Reader S700.
Payment processing fees
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.
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.
How to choose the best credit card reader for Android
Consider the following features to find the best credit card reader for Android.
POS system compatibility
If your business has a brick-and-mortar location with a full POS setup, make sure your Android credit card reader is either from the same POS system provider or is compatible with it. That way, you can centralize information from in-store and mobile credit card sales under the same software umbrella. This makes it easier to sync the complete data set with your accounting software and run reports.
Costs
Basic credit card readers for Android are typically well under $100 and can be paired with free POS apps for your Android device, making the barrier to entry relatively low. Payment processing fees, on the other hand, must be paid on an ongoing basis and can add up quickly. To compare different credit card processing companies’ fees, plug your customers’ average purchase amount and how many card transactions your business usually accepts each month into the calculator below.
While customers will mostly interact with the card reader itself, you’ll interact more with the Android app it’s paired with. Read each accompanying mobile app’s reviews to check for common pain points and comments on ease of use. If you’d like to take payments with just your Android device (and no card reader), make sure the app includes a Tap to Pay option.
Explore more credit card reader options
Though the list above focuses on mobile card reader picks for Android smartphones and tablets, there are also more robust options for businesses that require receipt printers, barcode scanners, customer-facing displays or cash drawers. For additional mobile card reader, handheld terminal and full POS setup options, see NerdWallet’s roundup below.