Best Mobile Credit Card Processing Apps
These mobile payments apps provide reasonable and transparent pricing and robust features for almost any industry.
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WRITTEN & RESEARCHED BY
Editor & Senior Staff Writer
Last updated onUpdated
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REVIEWED BY
Expert Contributor
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We researched the best credit card processing apps based on pricing, hardware, features, ease of use, and overall value. These are our top picks.
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Compare Our Top Picks
| Provider | Best For | In-person Transaction Fees | App Cost | Next Steps |
|---|---|---|---|---|
 | Best For No Monthly Fees | 2.4% - 2.6% + $0.15 | $0+ | |
 | Best For Basic Mobile Payments | 2.6% + $0.10 | $0 | |
 | Best For QBO Users | 2.5% | $0+ | |
 | Best For Low Rates | 2.29% + $0.09 (including QR code transactions) | Free | |
 | Best For Restaurants | 2.49% + $0.15 | $0+/month | |
| Show More Options | ||||
 | Best For High Volume | Custom | $0 | |
| Show Fewer Options |
Square
Best OverallBest For No Monthly Fees
Square is best for businesses that want a powerful mobile processing app with no monthly software fee.
Square’s free POS app works on iOS and Android and includes built-in payment processing, inventory tools, invoicing, a virtual terminal, online selling, reporting, employee tools, and affordable card readers. It’s one of the easiest ways to start accepting payments without a long-term contract.
Hardware Cost
$0+
Contract Requirement
Month-to-month
Offline Mode
PROS
- Free magstripe reader
- Simple processing fees
- Numerous integrations
CONS
- Account stability issues
- Advanced features on paid tiers
SumUp
Best For Basic Mobile Payments
SumUp is best for businesses that want simple mobile processing without extra POS complexity.
SumUp offers a pay-as-you-go mobile payment app, flat-rate processing, affordable card readers, invoicing, tipping, receipts, payment links, QR code payments, basic analytics, and standalone hardware options. It’s a solid pick for low-volume sellers that mainly need in-person payments.
Hardware Cost
$54+
Contract Requirement
Month-to-month
Offline Mode
PROS
- Easy to set up and use
- No monthly minimums
- Next-day payouts available
CONS
- Account stability issues
- Limited features
QuickBooks GoPayment
Best For QBO Users
QuickBooks GoPayment is best for QuickBooks users who want mobile payment processing connected to their accounting software.
GoPayment lets businesses accept in-person payments, sync sales with QuickBooks, send invoices and estimates, manage items, apply discounts, and access QuickBooks business tools. Depending on the plan, it may also be a good fit for service businesses with high-ticket sales.
Hardware Cost
$49
Contract Requirement
Month-to-month
Offline Mode
PROS
- Good for high-ticket businesses
- Syncs sales with accounting
- Dedicated merchant account
CONS
- Pricing is confusing
- Mixed customer reviews
PayPal Point of Sale
Best For Low Rates
PayPal Point of Sale is best for businesses that want low-cost mobile processing with PayPal and Venmo payment options.
PayPal POS has no monthly fee and supports card payments, PayPal and Venmo QR codes, cash payments, item libraries, discounts, reports, refunds, gift cards, and PayPal business account tools. It’s a great option for mobile sellers that already use PayPal.
Hardware Cost
$29+
Contract Requirement
Month-to-month
Offline Mode
PROS
- Easy to use
- Supports PayPal payments
- Free sub-user accounts
CONS
- Account stability issues
- Not ideal for high volume
Toast POS
Best For Restaurants
Toast is best for full-service restaurants that need tableside ordering and payment tools.
Toast offers restaurant-focused handheld hardware, built-in payment processing, online ordering, delivery tools, gift cards, loyalty, marketing, and customer support. Its Pay-As-You-Go plan can reduce upfront hardware costs, but businesses pay higher processing rates.
Hardware Cost
$0+
Contract Requirement
Contract required
Offline Mode
PROS
- All-in-one POS
- Android-based system
- Free plan and hardware available
CONS
- High transaction fees on free plan
- Long-term contract and ETFs
Helcim
Best For High Volume
Helcim is best for higher-volume businesses that want mobile processing with transparent interchange-plus pricing.
Helcim has no monthly fee and includes a full merchant account, mobile payments, invoicing, a virtual terminal, product/service catalog, discount codes, tax tools, and automatic volume discounts. Hardware costs more upfront, but processing costs may be lower for businesses with higher sales volume.
Hardware Cost
$199+
Contract Requirement
Month-to-month
Offline Mode
PROS
- Interchange-plus pricing
- Automatic volume discounts
- Strong invoicing tools
CONS
- Not for high-risk merchants
- Not for very low-volume businesses
The Best Credit Card Processing Apps for Small Businesses
Frequently Asked Questions
Erica Seppala
Editor & Senior Staff Writer at Merchant Maverick
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
View Erica Seppala's professional experience on LinkedIn.
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