Best Mobile Credit Card Processors and Readers
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Input your business’s monthly transaction details and we’ll help you sort from the best valueProduct | Cost Estimate | Payment processing fees | Cost Estimate | Learn more | ||
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Square Learn more on Square's secure website | Get an estimated monthly cost for your business. | 5.0/5 Best for Overall mobile credit card processor | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $0.00 Starts at $0/month for unlimited devices and locations. | Get an estimated monthly cost for your business. | Learn more on Square's secure website |
Clover Go Learn more on Clover Go's secure website | 4.0/5 Best for Customer support | In-person: 2.6% + $0.10 Online: 3.5% + $0.10 | $0.00 Payments plan; $14.95 Essentials plan. | Learn more on Clover Go's secure website | ||
PayPal Zettle | 4.0/5 Best for Card-present transaction fee rate | In-person: 2.29% + $0.09 Online: 2.89% + $0.49 | $0.00 | |||
QuickBooks GoPayment | 4.5/5 Best for QuickBooks loyalists | In-person: 2.5% + $0.00 Online: 2.99% + $0.00 | $0.00 | |||
Payanywhere | 4.5/5 Best for All-in-one option with built-in printer | In-person: 2.69% + $0.00 Online: 3.49% + $0.19 | $0.00 and up. | |||
Helcim Learn more on Helcim's secure website | 5.0/5 Best for High-volume sales | In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0.00 | Learn more on Helcim's secure website | ||
SumUp Learn more on SumUp's secure website | 4.0/5 Best for Touchscreen card reader | In-person: 2.75% + $0.00 Online: 3.25% + $0.15 | $0.00 For card readers; $199 for Essentials POS plan; $289 for Pro POS plan. | Learn more on SumUp's secure website |
Our pick for
Overall mobile credit card processor
Square
on Square's secure website
Starts at $0/month for unlimited devices and locations.
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.
Our pick for
Customer support
Clover Go
on Clover Go's secure website
Payments plan; $14.95 Essentials plan.
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.
Our pick for
Card-present transaction fee rate
PayPal Zettle
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.
Our pick for
QuickBooks loyalists
QuickBooks GoPayment
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.
Our pick for
All-in-one option with built-in printer
Payanywhere
and up.
Pros
- Option to enable offline transactions.
- 24/7 customer support.
- Same-day funding is free.
Cons
- Contract may be required.
- Potential termination fee.
Our pick for
High-volume sales
Helcim
on Helcim's secure website
Pros
- Interchange-plus pricing structure can help businesses save money.
- Quick setup; approvals usually take a day.
- Offers volume-based discounts automatically.
- Syncs directly with QuickBooks Online and Xero.
- No termination fees or long-term contracts.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Doesn’t offer services to businesses in certain high-risk industries.
Our pick for
Touchscreen card reader
SumUp
on SumUp's secure website
For card readers; $199 for Essentials POS plan; $289 for Pro POS plan.
Pros
- Low cost.
- No contract.
- No monthly fee.
Cons
- Software has limited features.
- POS software plans are expensive.
Square: Best overall mobile credit card processor
- $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.
- $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).
- 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.
Clover Go: Best for customer support
- $0 for Payments plan.
- $14.95 for Essentials plan.
- $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.
- 2.6% plus 10 cents for in-person transactions.
- 3.5% plus 10 cents for online or keyed-in transactions.
PayPal Zettle: Best card-present transaction rate
- $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).
- 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).
QuickBooks GoPayment: Best for QuickBooks loyalists
- $0 if you already have a QuickBooks Online plan.
- $30 ($15 for first three months) for Simple Start plan for new QuickBooks users.
- $60 ($30 for first three months) for Essentials plan for new QuickBooks users.
- $90 ($45 for first three months) for Plus plan for new QuickBooks users.
- $200 ($100 for first three months) for Advanced plan for new QuickBooks users.
- QuickBooks Desktop users pay an annual subscription fee for the accounting software.
- $39 for QuickBooks charging stand.
- $49 for QuickBooks card reader.
- $79 for QuickBooks card reader with charging stand.
- 2.5% for in-person payments.
- 2.99% for online and invoiced payments.
- 3.5% for manually keyed payments.
- 1% for ACH transactions.
- 2.4% plus 30 cents per swiped transaction.
- 3.5% plus 30 cents per keyed-in or invoiced transaction.
- $3 per ACH transfer.
- 1.6% plus 30 cents per swiped transaction.
- 3.3% plus 30 cents per keyed-in or invoiced transaction.
- $3 per ACH transfer.
Payanywhere: Best all-in-one option with built-in printer
- $0 if using only 3-in-1 reader.
- $14.95 per device if using Smart Keypad.
- $24.95 per device if using Smart PINPad Pro or Smart Flex.
- $44.95 per device if using Smart POS+.
- $59.95 for 3-in-1 reader.
- $249.95 for Smart Keypad.
- $449.95 plus one-time setup fee of $49.95 for Smart PINPad Pro.
- $549.95 plus one-time setup fee of $49.95 for Smart Flex.
- $949.95 plus one-time setup fee of $99.95 for Smart POS+.
- 2.69% for in-person transactions.
- 3.49% plus 19 cents for online, keyed and virtual terminal transactions.
Helcim: Best for high-volume sales
- $99 for a mobile card reader (with stand).
- $329 for a standalone terminal with built-in thermal printer.
- 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 or manually keyed transaction (if $50,000 or less in monthly card transactions).
- 0.5% plus 25 cents for ACH payments.
SumUp: Best touchscreen credit card reader
- $0 if using card readers only.
- $99 for POS plan.
- $199 for Essentials POS plan.
- $289 for Pro POS plan.
- $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.
- 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.