The Best Mobile & Low-Volume Payment Processing Solutions

With our favorite mobile and low-volume processor Flint Mobile (see our review) officially down for the count, we’re all researching and scrambling like mad to find the best replacements and alternatives on short notice. To help you in your search and comparisons, we’ve put together a couple of handy charts.

The first chart looks at the stats for four of the biggest names in mobile processing today: Square, PayPal Here, Capital One’s Spark Pay, and Intuit’s QuickBooks GoPayment.

Largest Mobile Processors and Flint Mobile Alternatives for Low-Volume

	Square	PayPal	Spark Pay	GoPayment
	Review	Review	Review	Review
Rating	5 Stars	4 Stars	4 Stars	4 Stars
Contract Duration	Month-to-Month	Month-to-Month	Month-to-Month	Month-to-Month
Early Termination Fee	None	None	None	None
Customer Service Quality	Fair	Fair	Good	Good
Account Stability	Fair	Fair	Good	Good
Junk Fees	None	None	None	None
Monthly Fee	$0	$0	Low-Volume: $0 Standard: $19	Low-Volume: $0 Standard: $19.95
Other Standard Fees	None	None	None	None
Transparent Cost-Plus Pricing	No	No	No	No
Rates	Swiped: 2.75% eCommerce: 2.90% + $0.30 Keyed-In: 3.50% + $0.15	Swiped: 2.70% eCommerce: 2.90% + $0.30 Keyed-In: 3.50% + $0.15	Low-Volume: 2.69% Swiped, 3.70% Amex or Keyed-In Standard: 1.99% Swiped, 2.80% Amex or Keyed-In	Low-Volume: 2.40% + $0.25 Swiped, 3.40% + $0.25 Keyed-In Standard: 1.60% + $0.25 Swiped, 3.20% + $0.25 Keyed-In
Mobile EMV Support	Yes	Yes	Coming Soon	Coming Soon
Countertop EMV Support	Yes	Yes	Coming Soon	Coming Soon
Mobile Swipe Reader Cost	$0	$0	$0	$0
EMV Reader Cost	$30 – $50	$149 for mobile, no printer included	None Available	None Available
Mobile App	Yes	Yes	Yes	Yes
App Name	Square Register	PayPal Here	Spark Pay	GoPayment
POS Software Features	Good	Moderate	Moderate	Basic
Invoicing	Available	Available	No	With Integration
Online Selling Tools	Yes	Yes	No	Yes
Virtual Terminal	No	Yes	No	Yes

The following chart looks at some of the best options via merchant account providers. In many cases, these options can end up being less expensive. While the free POS/processing software tends to leave something to be desired, you can always integrate with a different POS system – an option most mobile-only processors don’t provide.

Note that all of these providers use interchange-plus pricing. So the numbers provided here are the markup rate, not the entire fee. Still, in almost all scenarios, these rates will be far below Square’s. Check out this infographic for more information about interchange-plus pricing and other payment processing rates and fees.

Best Merchant Account-Based Flint Mobile Alternatives for Mobile and Low-Volume

	Payline Data Review	CDGcommerceReview	HelcimReview	Payment Depot Review
Rating	5 Stars	5 Stars	5 Stars	5 Stars
Contract Duration	Month-to-Month	Month-to-Month	Month-to-Month	Month-to-Month
Early Termination Fee	None	None	None	None
Customer Service Quality	Excellent	Excellent	Excellent	Excellent
Account Stability	Excellent	Excellent	Excellent	Excellent
Junk Fees	None	None	None	None
Monthly Fee	Low Volume: $0 Standard: $15	$10	Retail: $12 eCom/Mobile: $30	Low Volume: $29 Mid Volume: $49 High Volume: $69
Other Standard Fees	None	None	None	None
Transparent Cost-Plus Pricing	Yes	Yes	Yes	Yes
Rates	Low Volume: 0.50% + $0.15 Retail, 0.65% + $0.15 eCom/Mobile Standard: 0.20% + $0.10 Retail, 0.35% + $0.10 eCom/Mobile	Retail/Mobile: 0.25% + $0.05 eCommerce: 0.30% + $0.15	Retail: 0.18% + $0.08 eCom/Mobile: 0.36% + $0.25	Low Volume: 0.00% + $0.25 Mid Volume: 0.00% + $0.15 High Volume: 0.00% + $0.10
Mobile EMV Support	No	No	No	Yes
Countertop EMV Support	Yes	Yes	Yes	Yes
Mobile Swipe Reader Cost	$75	$0	$0	$50
EMV Reader Cost	Starting at $237 for countertop EMV device with built-in receipt printer	$79 per year rental fee for countertop EMV device with built-in receipt printer	Starting at $199 for countertop EMV device with built-in receipt printer	$50 for mobile EMV, countertop EMV devices available
Mobile App	Yes	Yes	Yes	Yes
App Name	iProcess	ProcessNow	VirtualMerchant Mobile	SwipeSimple
POS Software Features	Basic included, advanced available with integration	Basic included, advanced available with integration	Basic included, advanced available with integration	Basic included, advanced available with integration
Invoicing	Available	Available	Available	Available
Online Selling Tools	Yes	Yes	Yes	Yes
Virtual Terminal	Yes	Yes	Yes	Yes

Conclusion

This won’t be the end of our search for the absolute best Flint Mobile alternatives. Flint left big shoes to fill, but we’re determined to find even better solutions. We have a bunch of new providers in the review pipeline, and will be steadily cranking them out. In the meantime, check out the companies we’ve looked at here, and follow us on Facebook to get updates as we publish more mobile processing app reviews.

If you’re thinking about Square, but you’re not sure if it’s right for your business, check out the article we published on exactly that topic. For some businesses, it’s a fine solution. For others – it’s a nightmare waiting to happen.