Advertiser Disclosure
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Mobile Credit Card Processing Reviews

buyers guide
Sort By
  • LevelUp Review

    Read Review Compare

    Pros Trusted by consumers Loyalty program Developer tools available White label apps available Advanced analytics Cons No pricing disclosed online Limited customer support Overview LevelUp is very different from any merchant service provider or mobile processor we’ve reviewed on Merchant Maverick before. Most of our provider reviews focus on companies offering traditional credit and debit […]

  • PayPal Here Review

    Read Review Compare

    Pros Easy-to-use interface Extensive device compatibility In-app invoicing available Free sub-user accounts Predictable flat-rate pricing Ideal for low-volume merchants Chip-card-compatible hardware Time-tested and trusted by consumers Cons Account stability issues Inconsistent customer support Not suitable for high-risk industries Not ideal for higher-volume merchants Overview PayPal Here (PPH) launched its mobile card reader in 2012 after […]

  • Vend POS Review

    Read Review Visit Site

    In 2010, Vend was revolutionary; it was a powerful POS system operating completely in the cloud, making it possible for your business to still function through an internet outage. Since then, Vend has stayed on top of current trends and remains one of the most user-friendly systems on the market. Vend is constantly updating its product and has very few flaws. The POS's front end is remarkably intuitive even to the greenest retail employee and its back-end features come with virtually everything you would expect from a top-end system---and at a reasonable price.

  • Bank of America Mobile Pay Review

    Read Review Compare

    Note: Bank of America Merchant Services has discontinued its Mobile Pay app in favor of the Clover Go app, part of First Data’s Clover suite of POS products. Check out our mobile payments comparison chart for a detailed look at our top-rated mPOS products.  Overview: As the mobile processing boom continues to expand, potentially luring […]

  • Clover Flex Review

    Read Review Visit Site

    Pros Works for countertop and mobile POS setups Supports magstripe, chip card, and contactless payments Built-in receipt printer 8-hour battery life Runs full Clover POS Cons Large, somewhat clunky design Pricing and contract terms vary by providers Overview I didn’t really know what to expect out of the Clover Flex. My personal experience with Clover […]

  • EMS+ Review

    Read Review Compare

    Created by Electronic Merchant Systems, EMS+ looks like most other mobile processing apps. But ultimately it’s a lackluster (at best) solution for merchants, with serious compatibility issues and minimal support from its parent company.

  • Flint Mobile Review

    Read Review Compare

    Pros Requires no hardware Predictable flat-rate pricing In-app invoicing No monthly minimums Cons Expensive pricing Limited features Account stability issues No phone support Limited support materials Overview Flint Mobile used to be our favorite mobile POS system (an honor now held by Square). Then it shut down — very unexpectedly and with virtually no warning […]

  • PayAnywhere Review

    Read Review Compare

    Does PayAnywhere really live up to its name? Find out everything you need to know about this mobile processing app and its hardware in our in-depth review.

  • PAYD Review

    Read Review Compare

    Pros Canadian merchant accounts offered Supports Interac debit eCommerce integration Easy to use Excellent website and advertising Cons Buggy app (especially for Android) Expensive for low-volume merchants Complicated pricing plans Mediocre customer support Overview We haven’t focused much on mobile processors outside the U.S., and especially not on those available in Canada, which makes our […]

  • Phone Swipe Review

    Read Review Compare

    Pros Numerous features 24-hour funding available Supports receipt printer and cash drawer Cons Buggy app Untransparent surcharging practices Not suitable for high-risk businesses Overview This mobile processing service, Phone Swipe (stylized as phoneSWIPE), is owned and operated by North American Bancard (NAB), a company I’ve reviewed in detail here. I gave them an average rating, […]

Choosing The Best Mobile Point of Sale (mPOS) App
Mobile point of sale software (mPOS apps) have made it possible for merchants to securely accept card payments anywhere they can get a cellular signal or Internet access. They’re great for merchants who don’t have a permanent storefront: people who sell primarily at shows and pop-up events, food trucks, in-home service providers, etc. They’re also a great way to expand your capabilities as a merchant, whether it’s hosting a sidewalk sale or pop-up event, or line-busting on busy days when the registers are backed up.

What’s an mPOS, anyway? How does it differ from other point of sale systems?

A mobile POS is an application that runs on a mobile device, allowing merchants to accept card payments. They almost always offer payment processing as part of the package deal. A few mPOS systems are offered through multiple resellers and are only available to merchants through a merchant services provider.

A defining aspect is the app’s compatibility not just with tablets, but also smartphones. On the whole, mPOS systems tend to be less advanced than tablet or tradition POS systems. That’s an important limitation to keep in mind.

Not only that, but because their apps are also free to download, many tend to be more affordable than POS systems. mPOS apps tend to support flexible setups that cater to your needs and require minimal hardware. Some are capable of running a countertop register setup in addition to a mobile system, but not all.

With the ubiquity of mobile payments apps has come an almost terrifying large selection of mobile payments systems, each one claiming to offer reliable and affordable card processing. How can you tell which ones will actually meet your needs?

You can make sure you’ve chosen the best mPOS system for you by doing your research. Read our unbiased reviews of various mPOS apps, talk to other merchants about their experiences. Look at the complaints and disadvantages and weigh them against the praise the company receives.

We’re here today to give you an idea of what you should look for in an mPOS, to understand how one differs from the next, and how to spot the one that best suits your unique situation.

Should You Choose a Standalone or Integrated mPOS?
What mPOS Features do you Absolutely Need?
What Hardware is Required to Run an mPOS?
How Much Should You Pay for an mPOS?
When is it Time to Get a Full POS?

Should You Choose a Standalone or Integrated mPOS?
mPOS apps generally fall into one of two categories: standalone services and integrated mPOS apps that are part of a larger suite of services.

Standalones do not require you to use any other services. Often, they are entirely pay-as-you-go, with no contracts. They rarely offer anything beyond the mPOS app, but if they do, it’s usually included at no extra charge (a virtual terminal or invoicing, for example).

Examples of standalone mPOS options:

PayPal Here

Integrated mPOS apps are meant to be used as a supplement or extension of another service. Usually it’s an extension of a POS, but sometimes it can be an addition to an eCommerce suite, or even both. The defining feature of these products is that they do not function well as standalones, either because the pricing as a standalone isn’t competitive, or because the app isn’t designed to function on its own. Some of these may operate on a pay-as-you-go basis, while others might require contracts.

Examples of Integrated mPOS options:

Clover Go

Which one is right for you is entirely a matter of personal preference. Do you need an all in one solution to handle eCommerce, brick-and-mortar, and mobile sales? Or do you just need a flexible app that can take payments on the go?

Make sure the price you pay justifies what you get. An all-in-one omnichannel commerce solution sounds great, but if you wind up not using it, you may be wasting valuable money.
Pro Tip: Try Before You Buy
If you’re not sure what you need to start out, consider a pay-as-you-go standalone option. You’ll only pay for the processing fees, and you can use it as a testing ground to figure out what you really need before you commit to anything more complicated. If you don’t like it, you’re not locked into a contract and you can try another service!

If you are looking at an mPOS that comes with a contract, you should ask for a demo of the software and make a list of all the questions you have about the app and its capabilities.
What mPOS Features Do You Absolutely Need?
Most mPOS systems can’t do half of what a full fledged POS, so be wary. mPOS apps offered as an add-on product for another system often tend to be more full-featured than standalones, but even they aren’t complete replacements. However, you can gauge how advanced a system is by the features offered.

Baseline features the sort of thing you should expect to see in every mPOS. That’s not to say you will see it in all mPOS apps. But generally speaking, a solid entry-level mPOS will support all of the following, at minimum:

Baseline Features

Quick Sale Mode
In-App Sales Tax Settings
Tipping by $ or %
SMS and Email Receipts
Split Tender Payments
Cash and Check Recording

Mid-level mPOS systems will offer more features. They aren’t on par with tablet point of sale systems (not even close), but they’ll give you more flexibility in managing your business and your inventory.

Intermediate Features

Discounts by $ or %
Item Library
Item Variants
Multiple Tax Rates
In-App Invoicing
Receipt Printing
Items Sorted by Category
Keyed/Manual Entry of Card Data

And then there are the high-end features. Most of these aren’t very common unless they’re part of a suite of software, and even then, not always. However, these features can push an mPOS closer to competing with tablet-based POS systems.

Advanced Features

Item Counts
Virtual Terminal
SKUs and Barcode Scanning
Syncing with Online Store
Connect a Cash Drawer
Offline Mode
Customizable Reporting

Most mPOS systems aren’t designed to handle complex inventory needs, especially not for large inventories. Likewise, most don’t support an extensive array of hardware. Compatibility with receipt printers, cash drawers, and barcode scanners tends to be limited. So keep both of these factors in mind as you evaluate an app.

On the other hand, not everyone needs every feature a mobile payments app might offer. So be realistic about what you do need and want, and don’t be suckered in by a feature you’ll never use.
What Hardware is Required to Run an mPOS?
Your exact hardware needs depend on how advanced your mPOS is and what features you plan to use. Generally, you will need some combination of the following items:

Tablet or smartphone
Tablet stand
Card reader
Cash drawer
Receipt printer
Barcode scanner

At the bare minimum you will need a tablet/smartphone and a card reader. Make sure you check compatibility between the device and the app before you make any purchases. Not all apps support all devices. Many will post a list on their website
To EMV, or Not to EMV
That leaves the card reader. Many mPOS providers have broken into the market with the promise of a free card reader. However, this is generally a basic magstripe reader. In 2015, liability for fraudulent card transactions shifted to the least secure party. In essence, that means merchants who use a magstripe swiper for chip-enabled cards are responsible for any fraudulent transactions.

At this point, you should be preparing to make the shift to EMV if you haven’t already. Most mPOS providers offer an EMV reader, though it usually doesn’t come free. An EMV reader can run you $30 to over $100, depending on your mPOS provider and the reader model you choose.

It’s worth noting whether the device supports EMV and NFC (contactless payments like Apple Pay and Android Pay), or just EMV. Also check how it connects to your phone or tablet: via the headphone jack or Bluetooth. Bluetooth is more device agnostic and future-proof, given Apple’s removal of the headphone jack from the iPhone.
How Much Should You Pay for an mPOS?
Your mPOS costs will depend largely on whether you choose a standalone system or an integrated one.

Standalone services are often third-party processors. Generally, they’ll charge you a flat percentage per transaction, regardless of transaction size or card type. Most charge no monthly fee by default, but you can sometimes choose a monthly plan that gives you lower swipe rates. The break-even point (the point at which the monthly fee equals the savings from the lower rate) is usually somewhere between $3,500 and $5,000. Most rates for third-party processors fall in the range of 2.65% to 2.75%. With a monthly plan, those rates can sometimes drop to as little as 1.95% to 2.3% plus a small per-transaction fee.

If your mPOS comes as part of a package with addition POS or eCommerce software, there’s often a monthly fee associated with the app’s use, on top of other costs for the POS or eCommerce software. You’ll also see less standardization in rates from one provider to the next. Often, you pay for your mPOS what you pay for other types of transactions. That could mean interchange-plus or tiered pricing, depending on your contract. However, in some cases, your processor might charge a flat fee like standalone mPOS providers.

Don’t forget to factor in the cost of any hardware needed for your setup. That could include a tablet, tablet stand, receipt printer, cash drawer, or barcode scanner. Most importantly, though, you should look at the cost for an EMV-capable card reader.

As far as pricing goes, the best way to find a good deal is to do the math. You can check out how Square stacks up against a couple of other pricing schemes or look at our in-depth analysis of Square’s rates. You can also check out our comparison chart for pricing information on some of our top-rated mPOS providers.
When is it Time to Get a Full POS?
Mobile point of sale systems make a great supplement to larger POS systems, allowing you to break out devices for line busting, pop up sales, sidewalk sales and more. Plenty of smaller businesses also use them as their primary system for sales.

If you’re looking at using an mPOS as your full setup, that’s great! Make sure you have access to everything you need. Standalone systems do offer competitive rates, but you can sometimes get a better overall value with an integrated system.

While it can work for a LOT of business types, an mPOS is not for everyone. Some of the reasons you might consider getting a more advanced POS include:

Complex inventory needs
Support for inventory returns, exchanges, or store credit
Support for kitchen tickets or tips on printed receipts
Support for gift cards
More advanced reporting needs

High volume businesses (upwards of $10,000 per month) can usually get the best processing rates with a traditional merchant account. If you do a substantial and consistent amount of business each month, you should look for a reputable merchant services provider with an interchange-plus plan. If you really need an mPOS, you’ll almost assuredly be able to get one through your merchant account. And if not, you’ll still save on fees, which you can put toward the cost of a POS system.

Don’t forget to check out our mobile payments comparison chart for some of our favorite mPOS providers. If you have questions, we are happy to answer them! You can also leave comments on our reviews and blog posts.


Featured Offer: We Recommend QuickBooks 🎉

Take QuickBooks Online for a spin with a free trial!

Try QuickBooks Today

Learn More About Our Top Pick 🏆

Lightspeed is an iPad POS perfect for retail and restaurants!

Visit Lightspeed to see all the features you're missing!

Learn More At Lightspeed

Want To Find The Perfect Business Credit Card For You? 🎁

Check out our partner CardRatings to find the right card for your credit score!

CardRatings will help you filter your card options and make comparisons. 👌

Compare Your Options

At CardRatings

Learn More About Our Top Pick 🏆

Lightspeed is an iPad POS perfect for retail and restaurants!

Visit Lightspeed to see all the features you're missing!

Learn More At Lightspeed

Learn More About Our Top Pick 🏆

Lightspeed is an iPad POS perfect for retail and restaurants!

Visit Lightspeed to see all the features you're missing!

Learn More At Lightspeed

⭐️ Want To See What A 5-Star Company Looks Like? ⭐️

Check out BigCommerce to power your eCommerce platform!

BigCommerce offers a one-stop-shop for all things eCommerce. 👌

Learn More

At BigCommerce

Featured Offer: Need Help Picking the Best Lender? 💵

Lendio is a marketplace service that provides multiple custom quotes side by side!

It's free to use! Try it out and find the best rate today. 👌

Sign Up At Lendio

Featured Offer: Need a User-Friendly POS at a Reasonable Price? 💵

ShopKeep is an iPad POS perfect for small businesses!

Get a demo today! 👌

Learn More At ShopKeep

Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.