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The Best Credit Card Machines & Terminals For Small Business

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When you scan or insert your debit or credit card at your local shopping center or convenience store, you probably don’t put a lot of thought into what type of machine is reading and processing your payment. And really, why should you? To consumers, they’re all pretty much the same (except for maybe those machines that angrily beep at you to remove your card. Why is that sound so aggressive?) That said, if you’re a retailer and you’re not paying attention to what type of credit card machine you’re using, it could cost you. An unreliable or even just a slow machine can impact your bottom line. It’s imperative to know what you want and need from a credit card machine when you’re purchasing your hardware.

In the past, credit card terminals were pretty basic in their design and functionality, with relatively little to differentiate one brand or model from another. Today’s modern terminals, however, come in a variety of shapes and sizes and range from bare-bones devices that offer little more than simple transaction processing capabilities to full-blown point-of-sale (POS) systems that integrate a host of additional apps to help you run and manage your business.

Devices that process credit (and debit) card transactions come in three general varieties: (1) mobile card readers that connect to your smartphone, tablet, or computer and require an app to function, (2) credit card terminals that combine all processing functions into a single device, and (3) point-of-sale (POS) systems that add functions such as inventory management, employee scheduling, analytics and reporting, loyalty/gift card programs, and more.

For this article, we’ll focus almost exclusively on the middle category: the traditional countertop credit card terminal found in most small businesses. We’ll discuss the major manufacturers of these devices, review features you should look for when choosing one for your business, and give you a general idea of how much you should have to pay for one. Also, we’ll review our top choices for the best countertop terminals available on the market today.

Learn More About Our Top Picks

CompanyHighlightsNext StepsHighlights
Clover Flex

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  • Pros: Suitable for countertop or mobile use, Long battery life, Expandable via Clover App Marketplace
  • Cons: Only works with Fiserv merchant account, Bulky for mobile use
  • Pros: Suitable for countertop or mobile use, Long battery life, Expandable via Clover App Marketplace
  • Cons: Only works with Fiserv merchant account, Bulky for mobile use

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Square Terminal

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  • Pros: Easy to set up and use, Suitable for countertop or mobile use, Includes basic POS functions, No additional monthly fees
  • Cons: Flat-rate pricing may be expensive for larger businesses
  • Pros: Easy to set up and use, Suitable for countertop or mobile use, Includes basic POS functions, No additional monthly fees
  • Cons: Flat-rate pricing may be expensive for larger businesses

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Clover Mini

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  • Pros: Color touchscreen, Expandable via Clover App Marketplace
  • Cons: Requires Fiserv merchant account, Cannot be reprogrammed
  • Pros: Color touchscreen, Expandable via Clover App Marketplace
  • Cons: Requires Fiserv merchant account, Cannot be reprogrammed

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Square Register

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  • Pros: Dual color touchscreens, Sleek, modern design, Affordable alternative to POS systems, No additional monthly fees
  • Cons: Account stability issues
  • Pros: Dual color touchscreens, Sleek, modern design, Affordable alternative to POS systems, No additional monthly fees
  • Cons: Account stability issues

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Ingenico

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  • Pros: Simple and affordable, Works with any merchant account, Can be reprogrammed, Reliable and easy to use
  • Cons: Not suitable for mobile use
  • Pros: Simple and affordable, Works with any merchant account, Can be reprogrammed, Reliable and easy to use
  • Cons: Not suitable for mobile use

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Other Featured Options:

  • Verifone:
    • Pros: Rugged and reliable, Supports EMV and NFC-based payment methods, Works with most merchant accounts, Can be reprogrammed
    • Cons: Not suitable for mobile use

Read more below to learn why we chose these options.

Common Credit Card Machine Options

It wasn’t all that long ago that most credit card machines were made by either one of two companies: Ingenico and Verifone. While they still dominate the market today, merchants can now choose from a much wider variety of devices made by other manufacturers as well.

Although the sheer variety of terminals on the market is greatly expanded today, compatibility issues will limit your actual choices to a much smaller number of devices. If you already have a merchant account provider, you’ll need to choose a device that works with that provider’s processing network. Credit card terminals generally fall into one of two categories: (1) universal devices that will work with just about any provider, and (2) proprietary devices that will only work with certain providers. Universal devices have the advantage of being able to be reprogrammed if you later decide to change to a different provider. However, this process doesn’t always work, and you may find yourself with an expensive paperweight if your terminal can’t be reprogrammed. Proprietary devices generally cannot be reprogrammed at all, but are much more likely to function correctly out of the box. As credit card terminals have added new features and capabilities in recent years, they’ve also gotten more complex. Technical difficulties and compatibility issues are, unfortunately, a common problem.

The good news is that there are a variety of devices and manufacturers to choose from, and they generally offer the same basic functions that you’ll need to process transactions and run your business. Here’s a quick overview of the major players in the credit card terminal market:

  • Verifone: Verifone is user-friendly and has an exceptionally sleek and modern interface in many of its credit card machines. Like Ingenico, it offers a wide range of products, from a fully integrated POS to mobile and desktop devices. Verifone prides itself on the speed of its transactions and its versatility. The VX520 has been one of its most popular models and should be able to handle most small business needs for under $300. Verifone packs a lot into its devices, and they are highly durable and built to handle large numbers of transactions.
  • Ingenico: Chances are good you’ve used multiple Ingenico products, perhaps in just the past week. It’s difficult to recommend a specific item as they range from very basic readers with built-in PIN pads to others that accept virtually all forms of payment and can print directly – all from a device small enough to fit in your hand. Ingenico’s products thrive on their user-friendliness, from set-up to the customer experience, and the company has a highly-rated customer service department. Ingenico is also an international company with products that can function all over the world.
  • Pax: Another company to keep an eye on in the credit card terminal game is Pax. While not as ubiquitous as Ingenico or Verifone, Pax is a cost-effective solution with many of the same features. Pax’s products are brightly colored and aesthetically pleasing. The Pax S80 Countertop Payment Terminal has a built-in NFC-based (i.e., contactless) processor and can handle multiple payment types. Pax’s products offer speed and strong memory capabilities while featuring state-of-the-art security measures. A wide variety of PIN pads are also available.
  • Poynt: Poynt was one of the first companies to offer a so-called “smart” credit card terminal. These devices offer the ability to install business management apps right on the terminal, offering a more portable machine than a traditional POS system. The company currently offers a two-screen desktop system and a mobile device that allows customers to make payments from anywhere in your store. Poynt accepts gift cards, EBT, and mobile payments – among others – and has features like signature encryption, EMV, and a built-in receipt printer. The system is incredibly simple to use and lets the customer see exactly what is happening with his or her transaction.
  • Clover: A subsidiary of mammoth processor Fiserv (formerly First Data), Clover offers several smart handheld terminals and POS systems. Clover’s devices have been extremely popular since their release. With Clover, however, you are locked into using either Fiserv or one of its numerous ISOs or resellers for your merchant account. Clover devices cannot be reprogrammed, so you should be very confident about your choice of merchant services provider and avoid buying them from a third party. Nonetheless, there’s still a lot to like with this hardware. The ability to customize your experience with Clover is a huge benefit, and the Clover Station comes with 20 preloaded apps.
  • Square: One of the newest integrated processing products on the market is Square Register (see our review). Square’s popularity speaks for itself, and this rollout doesn’t disappoint. With the same dual-screen format as Poynt and Clover, customers can make payments seamlessly with a recognizable and simple interface. Square offers a simple and consistent plan for processing fees and pairs with existing hardware in seconds. You can literally be up and running in a matter of minutes once you’re registered with Square, and it comes with a two-year limited warranty.

The Best Credit Card Terminals For Small Business

Small business owners should choose a credit card terminal that’s both rugged and reliable. At a bare minimum, devices should support both EMV and magstripe payment methods. Most modern devices also support contactless (NFC-based) payments as well. Mobile or wireless devices can also be very useful for accepting payments anywhere.

Here’s a brief review of our top choices for a credit card machine for your small business.

1. Clover Flex

Clover Flex



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If you like Clover’s point-of-sale functionality, but need a mobile device, the Clover Flex (see our review) may be a good choice. With 8 hours of battery life and a built-in receipt printer, it’s ideal for businesses that need to process transactions in the field. The Flex’s 5-inch screen is comparable to many smartphones, and you can run any of Clover’s many add-on apps.

Wireless connectivity is, of course, built into the device. However, it can also function just fine as a countertop terminal if you prefer. For truly mobile use in the field, you’ll need to purchase a cellular data plan ($15 per month). As with any Clover product, pricing and contract terms will vary widely, depending on which company you buy your machine from. The price for the unit itself is usually around $499. Monthly service plans are required, and usually run from about $9.95 to $39.95 per month. Note that this is in addition to whatever recurring fees your provider charges you for your merchant account.

Although it’s kind of bulky and far from being the most affordable option, the Clover Flex is a far more capable machine than competing wireless terminals that only offer basic transaction processing capabilities. As long as you sign up with a reputable Fiserv reseller, you’ll get a powerful machine that can expand the capabilities of your business at a fair price.

Pros

  • Supports EMV & NFC-based payment methods
  • Can be expanded with additional apps
  • Long battery life

Cons

  • Large, bulky design
  • Highly variable pricing & contract terms
  • Occasional software bugs & connectivity issues

Get Started with Clover Flex

Read our in-depth review

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2. Square Terminal

Square Terminal



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To save $60 on the Square Terminal use code MAVERICK60 at checkout.

If you’re using Square to process credit and debit card transactions, but don’t need all the extra features included with the Square Register, the Square Terminal (see our review) may be a better choice for your business. This small, affordable device packs a 5.5” color touchscreen, receipt printer, and support for EMV, NFC-based, and magstripe payments into a single unit that can be used as either a countertop or mobile device. Connectivity is via either Wi-Fi or ethernet, and you can use the internal battery for mobile use or plug it into the wall for countertop use.

At $299 per unit, Square Register is about as expensive as a modern countertop credit card terminal. However, it adds several features that you won’t normally find at this price point, including a stripped-down version of the Square For Restaurants app. While there’s no support for Bluetooth peripherals, you can use an optional USB hub to connect a variety of add-ons, including some third-party devices.

Square Terminal is a great choice for small businesses that just need a reliable terminal to accept credit and debit card transactions at their brick-and-mortar location. If you’re having trouble deciding between this device and the Square Register, check out our article, The Complete Guide To Choosing Square POS Credit Card Readers & Cash Register Bundles, for a side-by-side comparison of every product that Square currently offers.

Pros

  • Very easy to set up and use
  • Accepts EMV, NFC-based, and magstripe transactions
  • Includes some basic POS functions

Cons

  • Bulky for mobile use
  • No support for Bluetooth add-ons
  • Account stability issues

Get Started with Square Terminal

Read our in-depth review

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3. Clover Mini

Clover Mini



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Clover’s line of terminals and POS systems have been very popular with merchants due to their ease of use and expandability via the Clover App Market. The Clover Mini (see our review) offers nearly all of the point-of-sale capabilities of the larger Clover Station (see our review) but in a smaller (and less expensive) form factor. Nonetheless, it’s still pretty bulky compared to a traditional countertop terminal, and the need to plug it into a wall outlet severely limits its portability.

A basic Clover Mini device includes support for EMV, magstripe, and NFC-based payment methods. A PIN pad and a receipt printer are both built into the device, and you can add an optional cash drawer if you want. Pricing is highly variable, depending on where you purchase your device, but the average retail price is around $749. Be aware that you’ll also need to pay for a monthly subscription to actually use your Clover Mini. While these plans are available for as little as $9.95 per month, most businesses will need to shell out at least $39.95 per month for a plan that includes all the services they’ll need.

Like other Clover devices, you can expand the functionality of the Clover Mini by installing additional apps from the Clover App Market. Most of these are free, but some require additional monthly subscriptions. There’s also a Web Dashboard that allows you to access all your business data from any device with a web browser and an internet connection. If you can afford it, the Clover Mini is an excellent choice for most small to medium-sized businesses.

Pros

  • Easy to set up and use
  • Highly customizable
  • Can be expanded with additional apps

Cons

  • Requires Fiserv merchant account
  • Cannot be reprogrammed
  • More expensive than competing systems

Get Started with Clover Mini

Read our in-depth review

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4. Square Register

Square Register



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Read our Review

When Square (see our review) first launched in 2009, its only hardware product was the free magstripe card reader that plugged into your smartphone or tablet. The company now offers a complete line of terminals, including the top-of-the-line Square Register (see our review). A fully capable POS system, Square Register features a 13.25” color touchscreen display and a detachable 7” customer-facing display. Support for EMV, NFC-based, and magstripe payment methods is built-in, and the device comes preloaded with all the software you’ll need to run your business. Functions include inventory management, employee management, loyalty/gift card programs, appointment scheduling, reporting, and support for eCommerce sales. Special features for restaurants are also available.

Square Register costs a flat $799, which is relatively affordable compared to similar universal POS systems. You can also take advantage of the company’s installment plan, which costs $39 per month for 24 months. There are no additional fees or long-term contracts. Be aware, however, that Square’s flat-rate pricing might actually be more expensive than a full-service merchant account if your monthly processing volume is higher than about $5000.

Pros

  • Accepts EMV, NFC-based, and magstripe transactions
  • Expandable via 5-port USB hub
  • No monthly service fees

Cons

  • Only works with Square processing service
  • Account stability issues
  • Inconsistent customer support

Get Started with Square Register

Read our in-depth review

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5. Ingenico iCT220

Ingenico



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If an expensive smart terminal seems like overkill for your business, you can’t go wrong with the popular Ingenico iCT220 (see our review). It’s one of the most popular universal terminals on the market, and you’ve almost certainly used one recently as a customer.

You won’t find any fancy bells or whistles on the iCT220. There’s no color display, no touchscreen, and your only connection options are ethernet or a landline telephone jack. While it’s a pretty basic terminal, it still offers full support for EMV, NFC-based, and magstripe payment methods. It can also automatically distinguish debit cards and serve as a customer-facing PIN pad. Plus, there’s a built-in thermal receipt printer.

For many small business owners, the most attractive feature of the iCT220 will be the price. You can usually get a new terminal that’s programmed by your merchant account provider to work right out of the box for around $199. For merchants who just want a simple, reliable credit card terminal and don’t need any additional functionality, the Ingenico iCT220 is an excellent choice.

Pros

  • Simple, reliable device
  • Useable with almost any merchant account
  • Very affordable for most businesses
  • Support for EMV and NFC-based payment methods

Cons

  • No internal battery for mobile use
  • No Wi-Fi or cellular data connection
  • Limited to basic transaction processing functions

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6. Verifone VX 520

Verifone



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Much like the Ingenico iCT220, the Verifone VX 520 (see our review) is an extremely popular universal credit card terminal that you’ve undoubtedly seen sitting on a checkout counter somewhere recently. Although it lacks the additional features of a POS system, it still includes a built-in receipt printer and support for EMV, NFC-based, and magstripe payment methods. PIN debit codes can be entered right on the device or using an optional customer-facing PIN pad. Connectivity is limited to either ethernet or a dial-up connection, and there’s no internal battery for mobile use. It’s truly a “countertop” device.

Despite these limitations, the VX 520 is very popular among small business owners because it’s affordable and can be used with almost any merchant account provider on the market. Pricing ranges from around $180 to $300 on average. Note that cheaper terminals purchased from third-party sellers like Amazon will require a software load from your merchant account provider before they can be used. This service typically costs about $100 per device. The Verifone VX 520 is a very rugged terminal that should stand up to years of use.

Pros

  • Accepts EMV, NFC-based, and magstripe transactions
  • Works with most merchant account providers
  • Very affordable and reliable

Cons

  • No color display or touchscreen
  • No additional POS functions
  • Not suitable for mobile use

Jump back to comparison chart

Looking For One Of These Credit Card Machines?

While the six devices profiled above are all excellent choices, they’re by no means the only options that can work well for your business. Here are a few other well-regarded and popular credit card terminals to consider:

Fiserv FD150

If you’ve signed up with Fiserv or one of its many resellers, you might not need all the additional features (or the extra monthly fees) that come with a Clover product. As an alternative, the FD150 (a recent upgrade from the older First Data FD130) offers basic countertop terminal functionality and is all many business owners will need. However, we haven’t had a chance to fully review it, so we can’t make a valid comparison between it and our other top choices.

Poynt Terminal

The Poynt Terminal was one of the first “smart” terminals to hit the market a few years ago, and is still quite popular with merchants. Although there were initial reports of numerous software bugs, these appear to have now been corrected. However, we would still like to do a complete, hands-on review of the product before endorsing it.

How Much Does A Credit Card Terminal Cost?

Now let’s get into what everyone is really interested in: the cost.

Credit card machines are generally a bit more expensive than your standard credit card readers, which simply hook up to a phone or mobile device. But, with that added expense, you’re also getting added security. To put it in broad terms, machines can run from anywhere between $50 for a bare-bones terminal that simply takes card payments to upwards of $700, depending on what features you want or need.

Each added feature will typically send the price a little higher. A terminal with NFC processing (e.g., Apple Pay, Google Pay, etc.) will cost a little bit more, but will also help you generate more sales and “futureproof” your setup (at least, for the time being). A built-in printer adds to the cost of the machine, and it will also cost you more to keep a supply of printer paper on hand. Wireless terminals, while practically essential for some businesses, are bulkier and significantly more expensive than wired models. You’ll also have to pay monthly fees for a wireless data plan. Smart terminals with color touchscreens and installable apps can cost even more, but the added capabilities can be a worthwhile investment for some businesses.

There are several ways to pay for your credit card terminals. The easiest option – and the one that we strongly recommend – is to buy them outright from your merchant services provider. They’ll come pre-programmed and ready to use right out of the box, and you’ll own them. A universal model can often be reprogrammed to work with a different processing network if you later decide to change providers. While buying your equipment outright is the best overall option, it can also be very expensive – especially if you need more than one. If you don’t have the necessary cash for a large, one-time purchase, taking out a small business loan might be your best alternative.

Whatever you do, don’t agree to lease your credit card terminals. Those seemingly low monthly payments will add up to several times more than the actual value of the machine over the length of your lease, which is completely noncancelable. Leasing has become so unpopular among merchants that some providers now allow you to rent your terminals on a month-to-month basis instead. While this can also be a very costly option in the long run, it can possibly save you money when you’re first starting out. Finally, be very careful with offers of “free” credit card terminals. Many providers now will essentially loan you a terminal to go with your merchant account. However, you won’t own it, and you’ll have to promptly return it if you later close your account. Also, these terminals usually aren’t really “free.” You can expect some concession on your part, usually either higher processing rates, a higher monthly account fee, or having to agree to a long-term contract.

7 Features To Look For In A Credit Card Processing Machine

Before you decide on a particular type of credit card terminal, you’ll want to consider all of the features listed below, and how’ll they’ll fit in with the needs of your business. Here are the things to look for in choosing a credit card machine:

Processor Compatibility

First off, you’ll need to make sure your machine is compatible with your processor. As we’ve discussed above, some providers sell proprietary hardware that can only be used with their own processing networks. However, there are many universal options available that will sync up with any processor and give you more flexibility. Some credit card processors will charge reprogramming fees (typically around $100) for hardware not purchased directly, so keep this in mind.

Payment Method Support

EMV (or “chip”) cards have been the standard in the United States since 2015, and you shouldn’t consider any terminal that still lacks this capability. Magstripe processing also remains important – but only as a backup method of processing a customer’s card. Today, most new terminals also support NFC-based (or contactless) payment methods, such as Apple Pay, Google Pay, etc. Adoption by consumers of contactless payment methods has steadily grown over the last few years, but the COVID-19 pandemic really pushed it into overdrive. As long as your chosen credit card machine supports these three payment methods, you shouldn’t have to worry about having to replace it for many years to come. Support for payment via gift cards, eChecks, or ACH transfers can also be very valuable for some businesses.

Connectivity Options

Your level of connectivity is also crucial, as any downtime or lag that impedes your ability to process payments is going to have a significantly negative impact on your business. Most newer machines can send transactions to your processor over the internet through either a Wi-Fi or hard-wired (Ethernet) connection. Many terminals can also connect via a landline telephone line if your internet connection is not available. Wireless terminals designed to be used in the field instead of at a fixed retail location rely on a cellular data connection that’s the same as what your smartphone uses. Unfortunately, these data plans typically run an extra $15-30 or so per month, on top of the cost of the machine.

PIN Debit Support

You’ll also want to assess the type of payments you’ll be accepting. In this day and age, you will almost certainly need to process debit card payments, in which case you’ll want a PIN pad (either separately or built-in) for customers to type in their number. Processing costs are much lower for PIN debit transactions, so a small investment in a PIN pad will quickly pay for itself.

EBT Payments Support

Depending on your industry, you may also need a device that handles EBT (Electronic Benefits Transfer) payments. This capability is most important for grocery and general merchandise stores. There are no processing fees for EBT transactions (except those tacked on by your merchant account provider), so it’s in your best interest to expand your customer base by supporting this payment method.

Receipt Printer

Although sending customers their receipts via email is becoming more popular, most receipts are still printed out on paper and handed to the customer at the point of sale. You’ll want a device that includes a reliable built-in printer, even if it’s a battery-operated wireless device.

Smart Terminal Functions

As we’ve seen above, smart terminals such as those from Poynt and Clover can add significant capabilities to your humble credit card machine that were once reserved for much more expensive POS systems. But do you really need them? If the answer is “yes,” then go ahead and spend the extra money to add the additional capabilities of a smart terminal to your payment acceptance solution. We anticipate that smart terminals will become even more popular in the coming years, although they may never completely replace the humble, not-so-smart credit card terminal.

How Do I Choose The Best Credit Card Terminal For My Business?

First of all, we highly encourage you to always stay on top of current payment trends. Hardware companies constantly update their products to ensure that their clients always have access to the latest technology. New ways to give and accept payments are constantly hitting the marketplace, and whether it’s a new app for making payments or the ability to accept cryptocurrency, credit card terminals are adapting quickly. Many low-cost credit card readers are now on the market as well, although they’re often best suited to small or newly established businesses and usually won’t include all the latest bells and whistles.

At the same time, we strongly encourage you to avoid the temptation to choose a merchant services provider because it offers a certain terminal that you really like. Fair contract terms, reasonable prices, and excellent customer service are all much more important considerations in the long run. As we’ve seen, hardware capabilities don’t vary all that much from one company to another. For example, we really love the Clover line of terminals and POS systems, and the expanded capabilities they bring to a business. At the same time, we’ve received many complaints over the years from merchants who signed up with Fiserv (formerly First Data) or one of its less-than-stellar ISOs because they like the Clover machines, only to discover that they were locked into a long-term contract, charged exorbitant rates and fees, and offered poor customer service. Worst of all, they couldn’t take their Clover equipment to a new provider if they wanted to make the switch. You can avoid this situation by consulting our Merchant Account Comparison Chart for our top recommendations for credit card processing. For more information about processing hardware, check out our article, The Smart Merchant’s Guide To Credit Card Machines & Terminals: What Do Small Businesses Really Need?.

In Summary: The Best Credit Card Terminals For Small Business

  1. Clover Flex:
    • Pros: Suitable for countertop or mobile use, Long battery life, Expandable via Clover App Marketplace
    • Cons: Only works with Fiserv merchant account, Bulky for mobile use
  2. Square Terminal:
    • Pros: Easy to set up and use, Suitable for countertop or mobile use, Includes basic POS functions, No additional monthly fees
    • Cons: Flat-rate pricing may be expensive for larger businesses
  3. Clover Mini:
    • Pros: Color touchscreen, Expandable via Clover App Marketplace
    • Cons: Requires Fiserv merchant account, Cannot be reprogrammed
  4. Square Register:
    • Pros: Dual color touchscreens, Sleek, modern design, Affordable alternative to POS systems, No additional monthly fees
    • Cons: Account stability issues
  5. Ingenico:
    • Pros: Simple and affordable, Works with any merchant account, Can be reprogrammed, Reliable and easy to use
    • Cons: Not suitable for mobile use
  6. Verifone:
    • Pros: Rugged and reliable, Supports EMV and NFC-based payment methods, Works with most merchant accounts, Can be reprogrammed
    • Cons: Not suitable for mobile use
Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.

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8 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Mana Mora

    We own a small automotive shop, we don’t do many transactions but we do large transactions. We are not looking for anything fancy just something that fits our needs.

      Jessica Dinsmore

      Hi Mana,
      You might want to look at CDGcommerce. They offer a variety of pricing plans, including flat-rate, interchange-plus, and subscription options. Check them out and see if they seem like a good fit for your needs. Good luck!

        Ammon

        Do you have hard data for which machines are the quickest? That is the single most important feature for my business by far. Customer wait time is killing me.

          This comment refers to an earlier version of this post and may be outdated.

          Jessica Dinsmore

          Hi Ammon!

          It’s pretty hard to judge speed of transactions and, not surprisingly, every company boasts about their speed. The more modern the system is, the faster it’s likely to be but I’d suggest narrowing it down to a few top choices and utilizing a free trial to test the speed. But the most important factor is going to be having a fast and reliable internet connection.

            This comment refers to an earlier version of this post and may be outdated.

            alan g cunha

            I need a machine that can charge debit cards and credit cards international..
            How can i have this
            Do you have those?
            Machine functions
            Pré Auth ( on line) Débito e Crédito)
            Pré auth comp ( Débito on-line)

              This comment refers to an earlier version of this post and may be outdated.

              Jessica Dinsmore

              Hi Alan, this post on offshore merchant account providers would be a good place for you to start. Best of luck!

                This comment refers to an earlier version of this post and may be outdated.

                Ukrido

                Can’t one get a cheaper credit card terminals elsewhere ?

                  This comment refers to an earlier version of this post and may be outdated.

                  Jessica Dinsmore

                  Hey there Ukrido!

                  Yes, you can get them cheaper through a third party, but there are benefits to buying directly from your merchant services provider. You can read a bit about this in our post: “Need a Credit Card Machine For Your Small Business? Don’t Lease!

                    This comment refers to an earlier version of this post and may be outdated.

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