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7 Best Credit Card Readers for iPhone of October 2023

The best iPhone credit card readers accept chip and contactless payments and are cost-effective.
Last updated on May 23, 2023
Edited bySally Lauckner
Fact checked and reviewed

⏰ Estimated read time: 7 minutes

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Credit card readers for iPhone pair with a mobile point-of-sale app to help small businesses accept and process credit card payments.
Ultimately, the best credit card reader for your iPhone should:
  • Accept at least chip and contactless payments.
  • Be compatible with an iPad POS system or other POS system.
  • Include cost-effective payment processor fees.
These iPhone-friendly credit card readers meet the criteria.

Best Credit Card Readers for iPhone

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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.

Product
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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 Overall card reader for iPhone

In-person: 2.6% + $0.10

Online: 3.5% + $0.10

$0

Starter plan; $14.95 Standard plan.

Get an estimated monthly cost for your business.
Learn more

on Clover Go's secure website

SumUp Plus

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on SumUp Plus' secure website

3.5/5

Best for Value

In-person: 2.75% + $0.00

Online: 2.9% + $0.15

$0

Learn more

on SumUp Plus' secure website

Square Reader

Learn more

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

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

Learn more

on Square Reader's secure website

Helcim card reader

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on Helcim card reader's secure website

4.5/5

Best for High-volume sales

In-person: 0.3% + $0.08

Online: 0.5% + $0.25

Plus interchange

$0

Learn more

on Helcim card reader's secure website

Payanywhere 3-in-1 reader

4.5/5

Best for Small transactions

N/A

in-person; 3.49% + 19¢ online and keyed.

$0

PayPal Zettle

4.5/5

Best for Alternative payment options

In-person: 2.29% + $0.09

Online: 3.49% + $0.49

$0

QuickBooks card reader

5.0/5

Best for Accounting integration

N/A

in-person; 2.90% + 25¢ online and invoiced.

$0

Our pick for

Overall card reader for iPhone

Clover Go

Learn more

on Clover Go's secure website

Monthly fee

$0

Starter plan; $14.95 Standard plan.

Our pick for

Value

SumUp Plus

Learn more

on SumUp Plus' secure website

Monthly fee

$0

Our pick for

POS features

Square Reader

Learn more

on Square Reader's secure website

Monthly fee

$0

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

Our pick for

High-volume sales

Helcim card reader

Learn more

on Helcim card reader's secure website

Monthly fee

$0

Our pick for

Small transactions

Payanywhere 3-in-1 reader

Payment processing fees

N/A

in-person; 3.49% + 19¢ online and keyed.

Monthly fee

$0

Our pick for

Alternative payment options

PayPal Zettle

Monthly fee

$0

Our pick for

Accounting integration

QuickBooks card reader

Payment processing fees

N/A

in-person; 2.90% + 25¢ online and invoiced.

Monthly fee

$0

Clover Go: Best overall card reader for iPhone

Accepts: Magstripe, chip and contactless payment methods.
Monthly fee:
  • $0 for Starter plan.
  • $14.95 for Standard plan.
Hardware cost:
  • $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.
Processing fees:
  • 2.6% plus 10 cents for in-person transactions.
  • 3.5% plus 10 cents for online or keyed-in transactions.
Pros:
  • The reader processes all three types of payments.
  • Clover's transaction fees are transparent.
  • Free monthly plan option available.
  • The POS software is well developed.
Cons:
  • It doesn't have a screen to display transaction details.
Why we like it: The Clover Go is a compact, portable card reader that connects to comprehensive POS software. Clover’s Standard plan, which has a monthly fee, includes extra features such as reporting and inventory management. The reader is able to accept payments even when your device is offline, although transactions won’t go through until you’re back online. Read our full Clover review.

SumUp Plus reader: Best value

Accepts: Magstripe, chip and contactless payment methods.
Monthly fee: $0.
Hardware cost:
  • $39 for SumUp Plus card reader.
  • $49 for SumUp Plus cradle bundle.
  • $129 for SumUp Solo touchscreen.
Processing fees:
  • 2.75% for in-person transactions.
  • 2.90% plus 15 cents for online and invoice transactions.
  • 3.25% plus 15 cents for manually keyed or payment-linked transactions.
Pros:
  • The reader processes all three payment types.
  • There is no monthly fee.
  • Fees are transparent and easy to understand.
  • It has a screen to display transaction details.
Cons:
  • The free app has less functionality than some competitors’ offerings.
Why we like it: SumUp’s Plus reader can process more than 500 transactions on a single power charge. It has a screen to display transaction details, so you won’t have to share your personal device with the customer. SumUp offers a free app to use with the reader, which includes functionality for sales tracking and reporting and the ability to send digital receipts to customers. It doesn’t charge a monthly fee and doesn’t require a contract. Read our full SumUp review.

Payanywhere 3-in-1 reader: Best for small transactions

Accepts: Magstripe, chip and contactless payment methods.
Monthly fee: $0.
Hardware cost: $59.95.
Processing fees:
  • 2.69% for in-person transactions.
  • 3.49% plus 19 cents for online, keyed and virtual terminal transactions.
Pros:
  • Payanywhere doesn't charge a monthly fee for its POS app.
  • Transaction fees are transparent.
  • The 3-in-1 reader can process all three payment types.
Cons:
  • It doesn't have a screen to display transaction details.
  • Payanywhere's POS software is not as advanced as that of some competitors.
  • There's a $3.99 per month inactivity fee for 12 months without a transaction.
Why we like it: Payanywhere’s versatile card reader comes with low in-person payment processing rates with no fixed fee on top. This makes it a cost-effective option for brick-and-mortar businesses with smaller transaction totals — for example, transactions of $10 or less. Also included with the card at no additional cost is Payanywhere’s simple POS with basic functionality that includes inventory management and reporting. Read our full Payanywhere review.

Square Reader for contactless and chip cards: Best for POS features

Accepts: Chip and contactless payment methods.
Monthly fee:
  • $0 for Square POS, Restaurant, Retail and Appointments Free plans.
  • $29 for Square Appointments Plus plan.
  • $60 for Square Restaurant and Retail Plus plans.
  • $69 for Square Appointments Premium plan.
Hardware cost:
  • $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).
  • $299 for Square Terminal mobile card reader with built-in printer.
  • $799 for Square Register two-screen system.
Processing fees:
  • 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.
Pros:
  • Square fees are transparent.
  • Free monthly plan option available.
  • Square's POS software is more robust than some competitors’ offerings.
Cons:
  • You can't swipe cards.
  • It doesn't have a screen to display transaction details.
Why we like it: Square’s free POS software is among the most feature-rich out there; it can give you the full range of business management capabilities, including customized and digital receipts, invoicing, customer profiles for repeat buyers, inventory management and more. Square also offers Tap to Pay on iPhone, which lets merchants accept card payments using only a regular iPhone with the Square POS app. Customers hold their cards or their own iPhone wallets near the merchant's phone to pay. Read our full Square review.

PayPal Zettle: Best for alternative payment options

Accepts: Chip and contactless payment methods.
Monthly fee: $0.
Hardware cost:
  • $29 for first card reader; additional readers cost $79. Price includes USB cable.
  • $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).
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:
  • Fees are transparent.
  • Card reader has a screen to display transaction details.
  • PayPal Zettle's POS app offers a variety of features.
Cons:
  • Zettle doesn't process swipe payments.
Why we like it: Unlike some competitors, PayPal Zettle works with PayPal and Venmo. All transactions made with Zettle go straight into your PayPal account and can be transferred to your bank. Read our full PayPal Zettle review.

QuickBooks card reader: Best for accounting integration

Accepts: Chip and contactless payment methods.
Monthly fee: $0.
Hardware cost:
  • $39 for QuickBooks charging stand.
  • $49 for QuickBooks card reader.
  • $79 for QuickBooks card reader with charging stand.
Processing fees:
For QuickBooks Online users
  • 2.5% for in-person payments.
  • 2.99% for online and invoiced payments.
  • 3.5% for manually keyed payments.
  • 1% for ACH transactions.
For QuickBooks Desktop users
Pay as you go plan (no monthly fee):
  • 2.4% plus 30 cents per swiped transaction.
  • 3.5% plus 30 cents per keyed-in transaction.
  • 3.5% plus 30 cents per invoiced transaction.
Pay monthly plan (monthly fee):
  • 1.6% plus 30 cents per swiped transaction.
  • 3.3% plus 30 cents per keyed-in transaction.
  • 3.3% plus 30 cents per invoiced transaction.
Pros:
  • There's no monthly fee.
  • Processing fees are transparent.
  • It has a screen to display transaction details.
Cons:
  • It doesn't process all payment types.
  • POS software options are limited without a QuickBooks Online account (here are some good QuickBooks POS integrations).
Why we like it: If you have a QuickBooks Online account, you can use this card reader to automatically record your transactions in the accounting software. Read our full QuickBooks Payments review.

Helcim card reader: Best for high-volume sales

Accepts: Chip and contactless payment methods.
Monthly fee: $0.
Hardware cost:
  • $109 for a mobile card reader (with stand).
  • $349 for a standalone terminal with built-in thermal printer.
Processing fees:
  • Interchange plus 0.4% and 8 cents per in-person transaction (if $50,000 or less in monthly card transactions).
  • Interchange plus 0.5% and 25 cents per online transaction (if $50,000 or less in monthly card transactions).
  • Interchange plus 0.5% and 25 cents per manually keyed transaction (if $50,000 or less in monthly card transactions).
  • 0.5% plus 25 cents for ACH payments.
Pros:
  • No monthly fees.
  • Transparent pricing.
  • Has volume discounts available.
  • Has robust POS software features.
Cons:
  • Doesn’t accept all payment types.
Why we like it: The purchase of a Helcim card reader also gives you access to its robust POS system, a virtual terminal and other tools at no additional cost. Helcim’s interchange pricing model and volume discounts make it a stronger fit for businesses with higher monthly transaction volumes. Read our full Helcim review.
Last updated on May 23, 2023