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Best Mobile Credit Card Processors and Readers
Product | Best for | NerdWallet rating | Payment processing fees | Monthly fee | Learn more |
---|---|---|---|---|---|
on Helcim's secure website | High-volume sales | In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0 | on Helcim's secure website | |
QuickBooks loyalists | In-person: 2.5% + $0.00 Online: 2.99% + $0.00 | $0 | |||
on Square's secure website | Overall mobile credit card processor | In-person: 2.6% + $0.15 Online: 2.9% + $0.30 | $0 Starts at $0/month for unlimited devices and locations. | on Square's secure website | |
on Clover Go's secure website | Using third-party processors | In-person: 2.6% + $0.10 Online: 3.5% + $0.10 | $0 Payments plan; $14.95 Essentials plan. | on Clover Go's secure website | |
Low card-present processing rates | In-person: 2.29% + $0.09 Online: 3.49% + $0.09 | $0 |
Best Mobile Credit Card Processors and Readers
Online: 0.5% + $0.25
Plus interchange
on Helcim's website
Pros
- Businesses save when customers use cards with low interchange rates.
- Offers free POS software.
- Offers volume-based discounts automatically.
- No termination fees, long-term contracts or PCI compliance fees.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
Helcim
Best for High-volume sales
Online: 0.5% + $0.25
Plus interchange
on Helcim's website
Pros
- Businesses save when customers use cards with low interchange rates.
- Offers free POS software.
- Offers volume-based discounts automatically.
- No termination fees, long-term contracts or PCI compliance fees.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
QuickBooks GoPayment
Best for QuickBooks loyalists
Online: 2.99% + $0.00
Pros
- Convenient for QuickBooks users.
- No monthly fee with a QuickBooks account.
- No long-term contract.
Cons
- QuickBooks account is required.
- Customer support is limited to weekdays.
Online: 2.9% + $0.30
Starts at $0/month for unlimited devices and locations.
on Square's website
Pros
- Free magstripe reader.
- No monthly fees with the Free plan.
- Offline mode with magstripe reader.
- No long-term contract.
Cons
- Offline mode not offered with chip card and contactless payments reader.
- Phone support on weekdays only.
Square
Best for Overall mobile credit card processor
Online: 2.9% + $0.30
Starts at $0/month for unlimited devices and locations.
on Square's website
Pros
- Free magstripe reader.
- No monthly fees with the Free plan.
- Offline mode with magstripe reader.
- No long-term contract.
Cons
- Offline mode not offered with chip card and contactless payments reader.
- Phone support on weekdays only.
Clover Go
Best for Using third-party processors
Online: 3.5% + $0.10
Payments plan; $14.95 Essentials plan.
on Clover's website
Pros
- No monthly fees with Starter plan.
- You can process offline sales after you reconnect.
- 24/7 phone support.
Cons
- No free reader.
- May require a contract.
PayPal POS
Best for Low card-present processing rates
Online: 3.49% + $0.09
Pros
- No long-term contract.
- No monthly fee.
- Low card-present transaction fee rate.
- Daily phone support for businesses.
Cons
- No free reader.
- Money transferred into your PayPal account instead of a bank account.