Card readers for business: 10 Best Credit Card Readers For Small Business Of July 2023 – Forbes Advisor

Best Mobile Credit Card Readers of 2023

Best Mobile Credit Card Readers of 2023 | Business.org
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Since 50% of customers don’t normally carry cash,1 not investing in a mobile credit card reader could cost you.

Stax Mobile Reader

  • Interchange only processing fee

  • Cheapest processing fees available

  • 24/7 technical support

Shop Now

Learn More

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

*Promotional price for first reader

May 03, 2023

7 min read

We are committed to sharing unbiased reviews. Some of the links on our site are from our partners who compensate us. Read our editorial guidelines and advertising disclosure.

Mobile card readers are great for taking sales on the go, on the sales floor, and anywhere else you want to do business.

That said, not all mobile readers are created equally. Some simply process credit cards while others are connected to sophisticated POS software.

So which product and service is right for your business? We put Square on the top of our list because it’s not only a great point of entry, but it also comes packed with POS extras. But we also chose some other great readers that are worth your consideration.

Most customers want to use a card

With only 10% of your customers always using cash, having a mobile card reader is a must.

Most affordable all-in-one POS solution: Square

Square readers are everywhere for a reason. It’s easy to get started, reasonably priced, and scalable as your business grows.

Mobile card readers, compared

We’ll get into the nitty-gritty of each product we reviewed below, but here’s a quick look at how each brand compares to one another in key areas.

Compare the best mobile credit card readers of 2023

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

*Promotional price for first reader

Square: Best overall

Square Credit Card Reader

Free*

  • 2.6% + $0.10 processing fee
  • $0.00 monthly fee
  • Small form factor for ultimate portability

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

Simple fees

Access to Square POS features

Deposits within two business days

Magstripe reader only

For low and simple fees, a free and easy-to-set-up reader, and funding as fast as one day, Square is the best overall choice for small businesses that need a quick, affordable, and user-friendly way to accept credit card payments on the go.

The Square reader and the Square mobile app for iOS and Android make up one of the most recognizable and popular mobile credit card processors available—and for good reason.

With Square, you get a free card swipe reader and access to the free Square mobile point-of-sale (mPOS) app. Square’s fees aren’t the cheapest—but they are the simplest. You pay a flat 2.75% for all swiped credit card transactions with no extra per-transaction or monthly subscription fees.

“While Square’s fees aren’t the cheapest, they are the simplest.”

Square accepts all major credit cards, including American Express, and iy works on all iOS and Android mobile devices. And while Square’s fees aren’t the cheapest, they are the simplest. You pay 2.6% + $0.10 for all swiped credit card transactions with no extra monthly subscription fees.

Manually entered transactions will cost a bit more per entry at 3.5% + $0.15. But if your service goes offline, you can take advantage of Square’s offline mode and pay the same flat processing fees for swipers.

If you want to accept regular magstripe payments, you’ll need to buy a Square Reader for magstripe that fits either your headphone jack or your iOS lightning connector—both of which cost just $10. For chip cards and “contactless” payments like Apple Pay or Google Pay, you can purchase the $49 NFC reader or shell out $299 for Square’s three-in-one, battery-powered reader to take all types of credit card payments.

Square promises to deposit your money within one to two business days. This is about average, but it lacks the guaranteed next-day funding option offered by other products. It also touts a suite of high-end security and encryption protection, so you can trust in the safety of your and your customers’ money and information.

Clover Go with National Processing: Cheapest transaction fees

Clover Go with National Processing

$49.00

  • 0.18% + $0.10 processing fee
  • $9.99 monthly fee
  • App marketplace for adding POS features

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

Dirt-cheap processing rates

Access to Clover POS app marketplace

Smart reader features

Have to bundle two products

What happens when you combine the power of two great brands? You get the ultimate mobile processing synergy. That’s what buying a Clover Go reader through National Processing is all about. You get both a top-tier reader and some of the lowest processing rates in the world. That’s a deal that’s hard to beat.

So how do you bundle Clover Go and National Processing? You have to start with National Processing. You can sign up for their processing services for an extremely low monthly fee of $9.95 per month. Once you’ve signed up, you’ll be able to purchase a mobile reader.

National Processing actually sells many different mobile processors. They’ll even give you one for free if you sign up for a new account and have a processing volume of $10,000 per month. Their free mobile reader is good, but we recommend buying yourself the Clover Go mobile reader. The Clover Goreader integrates with Clover’s great mobile POS software.

Additionally, if you ever want to expand beyond mobile processing, Clover has an amazing line of powerful POS devices including their Flex machine. The Clover Flex can be purchased through National Processing and is a full fledged POS system that also has mobile capabilities. It’s a solid upgrade that lets you combine the flexibility of a mobile device with the power of a POS system.

Of course, we can’t forget to mention National Processing’s side of this bargain: the incredibly low processing rate. National Processing has rates as low and even lower than 0.18% + $0.10. You can get lower rates if you have high processing volume. That means you pay less as your business succeeds more. Not a bad deal if you ask us.

When you combine the forces of National Processing and Clover, you get the ultimate two-headed processing dragon. It’s yin and yang, ice and fire, and one of our top recommendations.

Shopify Tap & Chip Card Reader: Best for pop-up shops

Shopify Chip & Swipe Reader

$29.00

  • 2.7% processing fee
  • $29.00 monthly fee
  • Wireless connection to smart devices

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

Access to Shopify’s powerful POS system

Compatible will all phone types

Well-built mobile app

Monthly fees

Pop-up shops are a trendy way to run a business. They allow online small-business owners to try out a new revenue stream: in-person sales. If you’re one of the tens of thousands of online retailers selling art, clothes, or jewelry—for example—setting up a booth or kiosk could boost your brand and your profits.

Shopify’s platform has long provided retailers a place to sell their wares online, but did you know it also offers an in-person sales solution?

With Shopify’s robust mobile app, online store, and mobile card readers, you can start selling products and processing payments wherever your customers are.

The Shopify POS service starts at $29 per month for the Basic plan, which provides shipping label support, retail reports, and a free swipe card reader for up to two users. In-person transactions on the Basic plan cost you 2.7%, while online rates start at 2.9% + $0.30 per transaction.

These costs put Shopify in the more expensive column compared to some of the other brands we reviewed. But for occasional in-person sales, it’s a good investment.

Plus, Shopify offers lower fees when you upgrade your plans. For example, the $79 per month plan has in-person fees of just 2.5%. If you plan to expand your physical retail presence and set up a more permanent store, this plan is super affordable.

Shopify’s app and readers work with iOS and Android mobile devices and accept all major credit cards. Online reviews of the apps are just so-so, but you can access Shopify customer support 24/7.

The bottom line is if you’re thinking of testing out a physical presence for your burgeoning online store, Shopify is an excellent choice.

Follow these steps to purchase the perfect POS system

Read our free ultimate checklist for finding the right POS for your business. Don’t get saddled with the wrong system. Enter your email and the checklist will arrive promptly.

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QuickBooks Chip and Magstripe Card Reader: Best for QuickBooks users

QuickBooks Chip and Magistripe Card Reader

$49. 00

  • 2.4%+ $0.25 processing fee
  • $0.00 monthly fee
  • No-hassle accounting integration

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

Payment tracking

QuickBooks integration

Inventory tools

Pricier than other options

Best for current QuickBooks users

QuickBooks Chip and Magstripe Card Reader service allows you to accept and track any payment type—including PayPal, cash, and checks—through the mobile app. And it syncs up with your QuickBooks account to deliver robust solutions for both mobile and desktop users who want to accept in-person payments and online payments through their website.

From the familiar financial software company Intuit, GoPayment is the best mobile card reader for businesses already using QuickBooks accounting and sales software.

To use GoPayment, you’ll need a QuickBooks account. It costs $30 (or $15 when it’s on sale) per month and allows you to enjoy transaction fees as low as 2.4% + $0.25, which is a totally decent price.

Of course, the greatest advantage to the GoPayment reader and app is its integration with Intuit’s QuickBooks software. Many businesses use QuickBooks to manage payroll, inventory, sales, and other functions, so integrating your mPOS system with the accounting software is a major upside.

The downsides? GoPayment includes higher monthly costs, and the service doesn’t offer a contactless payment reader. That means you won’t be able to process Apple Pay, Android Pay, or other “contactless” forms of payment.

That being said, GoPayment’s QuickBooks integration may compensate for the service’s higher monthly fees because your transactions are automatically recorded and synced with your bookkeeping software.

Stax Mobile Reader: Best for high transaction volume

Stax Mobile Reader

Free

  • Interchange only processing fee
  • $99. 00 monthly fee

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

Cheapest processing fees available

24/7 technical support

Expensive monthly plan

IOS-only reader

If your business does a large number of transactions—about 1,000 or more per month—Stax offers an enticing monthly subscription service with exceptionally low processing fees.

Stax eschews the traditional per-transaction rate of its competitors and charges just a monthly subscription cost plus a low per-transaction fee. Other mPOS solutions bake the interchange fees into their transaction rates, but Stax charges you the interchange rate only and doesn’t take a cut above that number.

The standard $99 subscription gets you an EMV-ready mobile card reader, access to its virtual mPOS software, and integration with major POS merchant terminals. Each transaction costs you only what cardholders’ banks charge for interchange fees.

Stax provides free 24/7 technical support, analytics, and tools. Long-term customers are eligible for next-day bank account funding. But it’s probably not a great option for smaller businesses with fewer transactions. In addition, the mobile card reader currently works with only iOS mobile devices, and Stax doesn’t currently offer a solution for contactless payments.

Honorable mention

 If you can’t seem to find the right fit after looking through our top selections, this honorable mention may have the secret sauce you’ve been looking for.

Payanywhere: Cheap mobile alternative

Payanywhere mobile reader

Free

  • 2.69% processing fee
  • No monthly fee 

Data as of 6/7/23. Offers and availability may vary by location and are subject to change.

Cheap processing fees

No monthly subscription

Bare bones solution

Some service complaints online

For a competitively priced option, consider Payanywhere’s low transaction fees, free reader, and lack of monthly fees.

With Payanywhere, you get a free credit card reader, and you pay no monthly subscription fees—just 2.69% per transaction with the Pay As You Go package.

Yes, that’s a bit higher than QuickBooks Chip and Magstripe Card Reader’s 2.4% transaction fee, but GoPayment also charges an additional $0.25 per transaction. If your business will be taking a large volume of small mobile payments, those per-transaction fees could add up.

For example, if you did a thousand $5.00 transactions in one month, you’d pay $134.50 in Payanywhere transaction fees. GoPayment would leave you with $420.00 in fees. That’s quite the difference!

The Payanywhere app’s mPOS services also include personalized receipts, inventory management, customer purchase reporting, online resources, and multilingual customer support—all at no extra cost.

The takeaway

Overall, the popular, affordable, and secure Square mobile card reader is the best choice for most small businesses. But depending on your business’s needs, one of our other favorite mobile card readers may be the right one for you.

  • The Shopify reader is great for your mobile shop
  • The Clover Go reader in combo with National Processing saves you money on processing fees
  • Quickbooks mobile reader is a turn-key solution for current Quickbooks users
  • Paypal Zettle gives you the most payment options

Want a mobile card reader that integrates perfectly with your point-of-sale system? Check out the hardware costs for our favorite POS systems.

Related content

Mobile credit card reader FAQ

Have you recently decided you need to start accepting mobile payments but aren’t sure about some of the details? Start here to learn the basics.

A mobile point-of-sale system, or mPOS system, is a program that runs on a smartphone or tablet and uses software to process business transactions like a traditional POS terminal. The advantage of an mPOS system is that it can function without the need for expensive electronic cash registers or merchant services—and it can be used just about anywhere.

A mobile card reader is an electronic device that connects to an mPOS system to accept credit and debit cards. Basic readers let you swipe cards to take payments. Higher-functioning devices can accept EMV (chip card) and NFC (contactless) payments too.

Magstripe is short for magnetic stripe, referring to credit cards that store information in a band of magnetic material. All mobile card readers can accept magstripe cards.

EMV stands for Europay, MasterCard, and Visa, and the term is used for a rapidly developing worldwide standard for credit card payments. EMV-enabled readers can accept microchip cards that allow for more secure authentication of card transactions.

Near-field communication (NFC) readers accept “contactless” card payments like Apple Pay and Google Pay. These readers are called contactless because the card information is stored on a separate device — such as a smartphone — which needs only to be placed near the reader to initiate a transaction.

To protect your business and customers, you should adopt EMV-enabled readers as soon as possible. Although not all issued cards are 100% chip ready, their use is growing.

Chip cards are harder to counterfeit, which means customers are at a lower risk of fraud. In 2015, the rules governing who is liable in cases of in-store credit card fraud shifted from the credit card companies to businesses that don’t adopt the EMV-reading standard. So you’ll be liable for a counterfeit purchase if it’s made using a chip card, but if your business uses EMV readers, your risk in counterfeit cases is reduced. It’s a win-win!

Keep safe from fraud

If you haven’t adopted chip-enabled readers, you’re putting your business at risk of counterfeit credit card liability. Purchase EMV-enabled readers to protect yourself and your customers.

Methodology

The top twenty mobile readers on the market were considered. Those readers were narrowed down into five top picks and two honorable mentions based on a multitude of factors including: hardware reliability, POS features, reader cost, processing fees, monthly fees, and business use case factors.

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don’t guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Written by

Andrew Mosteller

Former Business.org staff writer Andrew Mosteller covered small business expansion, management and advertising.

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Free Mobile Credit Card Reader

Square Reader for magstripe

Get a free reader

Already claimed your free reader? Order another

Accept credit cards anywhere

Square’s free credit card reader works with the free Square Point of Sale app to let everyone accept swipe payments on their smartphone or tablet.

Fast setup, no commitments

Sign up for Square and we’ll drop your free card reader in the mail—no commitments or long-term contracts.

Clear pricing, fast transfers

Pay 2.6% + 10¢ per swipe for Visa, Mastercard, Discover, and American Express. Get your money as fast as the next business day.

Learn more about Square Payments

Works with iOS and Android

With two versions of Square Reader for magstripe—one for a headset jack, the other a Lightning connector—you’re covered. Just pick the credit card reader that works for you.

Get paid any way you like with the Square Point of Sale app.
Take payments at the counter or on the go, remotely through invoices, or by manually entering card numbers.

Run your business anywhere—all in one place.

Square Point of Sale is a free, easy-to-use app that gives you everything you need to manage your business.

Try it out

Serious security

Credit card information is encrypted at the moment of swipe. Square doesn’t store card data on your device after a payment has been processed.

Learn more about security

No charging necessary

Square Reader fits right in your pocket, and with no battery to keep charged, you’re ready to sell and process payments wherever business takes you.

No signal, no problem
Swipe payments without a connection in Offline Mode and pay the usual 2. 6% + 10¢ per swipe.

Send receipts digitally, or print like usual

Send receipts via email or text message, or connect a receipt printer to a tablet. Your customers can even leave you private feedback directly through their digital receipt.

Pro tip: Improve your tips
Customers tip right on the device in one easy, math-free motion—easier for them and better for your business.

Accept chip cards and Apple Pay, too

With Square Reader for contactless and chip, you connect wirelessly to your device to accept contactless payments like Apple Pay and Google Pay, and chip cards, too.

Square Reader for contactless and chip
(2nd generation) $59

Shop now

Take payments and print receipts, all in one

Square Terminal is a portable credit card machine that accepts every card payment — tap, dip, and swipe. Take payments, print receipts, get paid fast.

Square Terminal $299

Shop now

Pricing

Free

at sign-up for your first card reader*

$10

for each additional reader

2.6% + 10 cents

per swipe.

Get a free reader

Already claimed your free reader? Order another →

Frequently asked questions

  • What is Square Reader for magstripe?

    Square Reader for magstripe works with the free Square Point of Sale app to let you accept swiped card payments on your phone or tablet.

  • How much does Square Reader for magstripe cost?

    Your first Square Reader for magstripe is free. Additional readers are $10. Sign up for an account to receive your free Square Reader for magstripe.

    Sign up now

  • What devices can you connect to Square Reader for magstripe?

    You can connect your Square Reader for magstripe to a variety of Apple or Android phones and tablets. We offer two versions of Square Reader for magstripe depending on your device — one with a lightning connector and the other with a 3.5mm headset jack.

    Explore our full list of compatible devices and software

  • How do you connect Square Reader for magstripe?

    Square Reader for magstripe simply needs to be inserted into your compatible phone or tablet, allowing you to easily swipe payment cards.

    Learn how to swipe card payments with Square Reader for magstripe

  • Does Square Reader for magstripe need Wi-Fi for connectivity?

    Square Reader for magstripe does not need Wi-Fi to process payments. When you don’t have a Wi-Fi or internet connection, you can use Offline Mode in the Square Point of Sale app to take payments.

    Learn more about Offline Mode

  • Does Square Reader for magstripe need to be charged?

    Square Reader for magstripe does not need to be charged.

  • Does Square Reader for magstripe accept dip and tap payments?

    No, Square Reader for magstripe only accepts swiped (magstripe card) payments. To accept dip (chip card) and tap (contactless) payments, try Square Reader for contactless and chip.

Available at local retailers

See retailers

Other hardware options

Square Reader for contactless & chip

Simple, portable, and exceptionally fast

Learn more

Square Terminal

A mobile all-in-one credit card machine

Learn more

Square Stand

A powerful iPad POS for your countertop

Learn more

Start taking contactless payments with just your phone today.

Discover Tap to Pay on iPhone

Discover Tap to Pay on Android

*Offer is limited to one redemption per Square account holder.

BEST CARD READER FOR SMALL BUSINESS 2023

If you’re a small business, you’ll need a way to accept debit and credit card payments. Hence the importance of card readers. There are many card readers available on the market, but choosing the right card reader can help your business run more efficiently. So, in this guide, we will show you a complete list of the best card readers for your business, including free options, as well as tips on how to get a free mobile credit card reader.

What is a card reader?

A card reader is an electronic device that is used to accept credit and debit card payments from customers. They are also known as POS machines, card machines, PDQ machines, and chip and pin machines. Card readers can be wireless or connected to a cash register or PC. Paying with a credit card is becoming an increasingly common payment method in stores, and giving shoppers more payment options can benefit your business.

The best credit card readers for your business

Here are some of the best card readers for your business: click-to-pay cards and smartphone apps such as Apple Pay, Google Pay, and Samsung Pay. Instead of connecting directly to the device, Bluetooth technology is used, which allows you to keep your phone or tablet near, but not always away from home.

The reader must be charged, but the charging dock can also serve as a stand or tabletop for the reader. You can also use a USB charger to charge.

No. 2. Clover Go

Clover credit card reader connects to phones and tablets via Bluetooth. It also accepts all types of credit card payments, including magnetic stripe-only cards, chip cards, and contactless payments.

It costs $49 and you can choose between $0 Starter Monthly Plan and $14.9 Regular Monthly Plan5 dollars. Both offer basic payment processing as well as real-time assistance 24 hours a day, seven days a week. On the other hand, the basic plan contains additional features such as sales tracking, extensive reporting, inventory management, and itemized orders.

#3. Paypal Zettle

Zettle by PayPal accepts chip and contactless payments, but not magnetic stripes. However, customers can pay using QR codes on the PayPal and Venmo platforms. Its POS software provides sales data, inventory management, sales performance tracking, and other features.

Transaction fees are generally comparable to competitors, with lower fees available for QR code transactions. All funds are transferred to your PayPal account and not to your bank account. Before you can use funds outside of PayPal, you must request a transfer to your company’s bank account.

No. 4. SumUp Pro

The SumUp Plus credit card reader is powerful and tiny, works via Bluetooth with Apple and Android devices and promises more than 500 transactions on a single battery. In addition to the screen that displays transaction details, the reader has several POS software features that allow you to manage products in your catalog, track sales, send digital receipts, and manage staff accounts. However, you may find that the generic POS does not match the more trusted alternatives on the market.

SumUp simply charges transaction fees and does not charge monthly fees. By connecting to the SumUp app, you can order a reader for $35 and start accepting card transactions in minutes.

No. 5. Clover Flex

Clover Flex is a compact yet rugged credit card reader. It can accept all three types of credit cards, read barcodes, and even print receipts. It is one of the few native screen solutions in this category, eliminating the need for a personal device and providing customers with a more professional experience when ordering on the spot.

Clover Flex, depending on your monthly package, can help you manage inventory, analyze sales data and set up unique employee logins. The price is $499, but the manufacturer provides payment plans to share the cost. Payment processing fees are determined by your pricing plan.

No. 6. Helcim card reader

The Helcim card reader allows chip and contactless payments, but cannot scan magnetic stripe cards. Because it connects via Bluetooth, it needs to be charged. It also offers POS software through the Helcim app, with capabilities such as customer management and inventory tracking, as well as analytics and reporting. Its self-service site, which allows users to log in and view their payment details and transaction history, is a unique feature.

No. 7. Toast Go 2

Toast Go 2 allows you to take orders at tables and accept all three payment methods. It’s also water resistant, has a 24-hour battery life, and features a 6.4-inch touchscreen for quick checkout. The free version of the Toast POS software includes basic features such as point of sale and payment processing, but subscription plans provide more advanced features.

Processing cost for free monthly pay-as-you-go plan with basic features is 2.99% + 15 cents for each transaction in person. If you pay for your hardware upfront and pay an additional $69.00 monthly software fee, the cost drops to 2.49% plus 15 cents. Other programs have higher monthly rates or are calculated based on quotes. One disadvantage is that the company requires contracts. Return to the top

#8. Square terminal

The

Square Terminal supports all three credit card payment methods: chip, contactless and magnetic stripe. And at a price of 29At $9, it sits at the bottom of the price range for universal card readers.

Regular company fixed processing charges apply and vary depending on whether you launch the card in person or enter it manually. There are no monthly obligations.

No. 9. Square stand

The square stand is designed for one smart device: the iPad, although it is only compatible with select iPad devices. Insert your iPad into the square stand and use it as a desktop POS. With this setup, you can provide a larger screen for transaction data, and the rotate option allows customers to sign in on an iPad without handing over the device. It can accept chip and contactless payments, but not magnetic stripe payments unless you’ve purchased a Square Reader.

The typical company charge for credit cards is 2.6% plus 10 cents, with prices increasing to 3.5% plus 15 cents for methods other than swipe, chip or contactless.

No. 10. Clover Mini

Clover Mini is a desktop configuration that does not require a tablet. This allows your company to accept multiple types of payments, generate receipts, and scan barcodes. With premium monthly plans, you also get some cool POS features like inventory, customer and staff management.

This item costs $749. Payment processing fees are determined by your Clover plan.

No. 11. Clover Station Solo

Clover Station Solo is a checkout type system that provides merchants with a 14″ HD screen and receipt printer to complete the checkout process. The system integrates with Clover retail outlet to provide payment processing, inventory and personnel management, reporting and other functions. For restaurants, Station Solo is perfect for personalizing and tracking orders, managing table maps, and more.

No. 12. Square Register

Square Register is Square’s first fully integrated credit card scanner and comprehensive desktop POS system that accepts magnetic cards, chip cards and contactless payment methods. It has two screens – one for the employee and one for the consumer – to simplify the work. It also has a very long wire that allows businesses to detach the registry from the client’s screen to cause social sharing. Its program offers inventory, personnel, and customer relationship management features, as well as a reporting suite for viewing sales data.

This small business credit card reader will set you back $799, though there are payment plans available. It accepts transactions at regular Square rates.

No. 13 Clover Station Duo

With a 14″ screen for you and a 7″ screen for your customers, the Clover Station Duo raises the bar. Now customers can confirm orders and pay for them in any way they want, including credit cards, debit cards and contactless payment methods. Station Duo is designed for retail outlets, restaurants and service organizations and has more power than Station Solo.

Although the most expensive option, Station Duo is currently sold with a cash drawer and receipt printer, giving you a complete set of payment options.

Choosing the best free mobile credit card reader for your business

There is no single source that can provide the lowest prices for every merchant. What may be a relatively inexpensive answer for you may not be for someone else. Paying the least amount of money for processing is also pointless if you have to worry about your account being frozen or closed unexpectedly, or if customer assistance is inadequate to fix technical issues when they occur.

When deciding which free card reader is right for your small business, keep the following points in mind:

  • What features are included with the reader?
  • How much does processing cost?
  • Do you work on a monthly basis or will you have a long term contract?
  • Is there a penalty for early departure?
  • What are the reader connection options?
  • What is the battery life?

These questions will help you track the fundamentals of your business and determine the most important details for you when choosing the best free mobile credit card reader.

What is the best free mobile credit card reader for your business?

Your options for a free mobile credit card reader for your business include:

#1. Square

If you run a small business with low volumes, Square is a good credit card processing alternative. There are no monthly fees or long-term obligations, and you can open an account online rather than go through the lengthy underwriting process required for a full-service merchant account. Each personal transaction costs a flat 2.6% + $0.10, making it easy to predict your processing costs.

Square is not available to most high-risk businesses and, if you have a high monthly processing volume, may be more expensive than a normal trading account.

No. 2. Go to Clover

National Processing provides clear exchange prices plus retail transactions at exchange + 0.18% + 0.10 USD per transaction. If you need to close your account, it offers monthly pricing with no early termination costs. You’ll also get more account stability with this classic merchant account than with payment service providers (PSPs) like Square and PayPal.

It’s worth noting that National Processing provides a wide range of options tailored to specific industries and businesses. Not all of these plans have a free Clover Go card reader (they have a SwipeSimple reader instead). Monthly rates range from $9.95 to $199 with additional charges for additional features such as ACH processing.

The Clover Go battery can process up to 160 card or chip card transactions.

No. 3. National Processing

National Processing is one of the few processing companies that specializes in meeting the needs of small business owners. Products and services include powerful support for both low cost mobile processing systems and more traditional credit card terminals. The Clover Go and SwipeSimple B250 mobile card readers described elsewhere in this article can be purchased from the company.

4.

Payment Terminal

Payment Depot is one of the few merchant service providers that offer membership pricing where you pay a flat monthly subscription price in exchange for not having to pay a 10% surcharge on transaction fees. Of course, you will still be charged exchange fees, but this type of pricing can save some firms hundreds of dollars a month. Payment Depot has a variety of pricing plans with varying monthly subscription fees and processing limits.

No. 5. Stax by Fattmerchant

Stax by Fattmerchant was one of the first to introduce membership pricing that bundles all of your monthly recurring payments into a single subscription fee and eliminates the percentage markup on your transactions. This type of pricing can save some businesses a significant amount of money in overall processing costs, but it works best for businesses with high volumes (at least $10,000 per month). Stax provides real monthly billing without early termination penalties and long-term contracts.

Which company card reader is better?

The

Square is considered the company’s best card reader.

Is Square Card Reader free?

Square provides a free magnetic stripe reader to all new sellers and the full price is only $10 if you need more.

How much does a card reader cost?

A card reader can cost anywhere from $200 to $1,000, depending on the features you want and the company you buy them from.

Do I need a merchant account to use a card reader for my small business?

Not always. Some card readers, such as Square, PayPal Here, and iZettle, allow users to process transactions using their personal accounts without the need for a merchant account. However, other card readers may require a merchant account in order for you to use their services. To make sure you have all the required accounts set up, it’s best to contact your card reader vendor before making a purchase.

How do I issue a refund or void a transaction using a card reader?

Depending on the card reader you are using, there are several steps to return or cancel your purchase. Some card readers offer a built-in void or refund feature that is accessed either by the hardware or the accompanying software. In some cases, you may be required to sign in to an online account in order to process a return or cancellation. For further instructions, it is best to refer to the card reader supplier’s literature or contact customer support.

Can I use my card reader to receive payments from customers remotely?

Your card reader will determine this. Sending a payment link to consumers via email or text message allows you to accept payments remotely using select card readers, including Square, PayPal Here, and iZettle. Others may require the customer to be there to make a purchase. It is important to ask your card reader provider about remote payment options.

Will my card reader work with all types of credit and debit cards?

Major credit and debit cards, including Visa, Mastercard, American Express, and Discover, are supported by most card readers. To make sure your gadget is compatible with the cards you expect it to accept, it’s best to check with your card reader supplier. Some card types, such as those issued by certain banks or from other countries, may not be supported by all card readers.

Are there any additional costs associated with using a card reader for my small business?

Using a card reader will cost you differently depending on the device and service provider. Some card readers require only one upfront payment and do not charge any additional monthly or transaction fees. Others may charge a flat monthly fee or a portion of each transaction as a fee. Some card readers may also charge extra for things like refunds or refunds. To find out about all the costs associated with using their gadget, it is best to ask the supplier of the card reader.

How do I make sure my card reader is PCI compliant?

The Payment Card Industry Data Security Standards (PCI DSS) set by major credit card companies to ensure that merchants securely process and send cardholder data is referred to as PCI compliance. If you want to make sure your card reader is PCI compliant, you should contact the card reader vendor to determine if the device is PCI compliant. You should also adhere to standard cardholder data protection practices, such as creating secure passwords and frequently updating device software.

Can I use my card reader to receive payments from other countries?

The use of a card reader matters. Some card readers, including Square, PayPal Here, and iZettle, can accept payments from other countries. It is best to check with your card reader supplier to ensure that the device can be used for international transactions and to inquire about any additional costs that may be associated with this.

Can I track my sales and transactions with a card reader?

Yes, most card readers provide built-in reporting and analytics tools to track your sales and transactions, including Square, PayPal Here and iZettle. Some card readers also have additional features, including accounting integration, customer relationship management, and inventory management. It is important to inquire about sales and transaction tracking alternatives with your card reader supplier.

In conclusion

The best small business card reader is the one that best suits your needs and fits your budget. Before making a decision, evaluate the processing fee, features, ease of use, and customer reviews.

All of the options mentioned above can provide you with a high quality reader and mobile app that will allow you to start accepting credit cards. While each organization has its own set of limitations, they all offer outstanding services to small businesses like yours. Some, however, are better suited to specific industries than others, so do your homework before choosing the best service for your needs.

Frequently asked questions

How do card machines make money?

They make money by charging a transaction fee and providing additional services associated with a card reader account, thus minimizing the initial cost.

How much does it cost for a small business to accept credit cards?

Credit card processing fees typically range from 1.5% to 3.5% of the entire transaction amount.

Can I use my phone as a card reader?

You can use your phone as a card reader. However, your mobile device must be running an NFC-enabled Android operating system. In addition, in order to continue and receive payments, you must download the Tap On Phone compliant Viva Wallet POS application and register a business account.

They make money by charging a transaction fee and providing add-on services linked to the card reader account, which keeps the start-up cost minimal.


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Credit card processing fees normally range from 1.5% to 3.5% of the entire transaction amount.


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You can use your phone as a card reader. However, your mobile device must have an Android operating system that supports NFC. Furthermore, in order to proceed and receive payments, you must download the Tap On Phone qualified Viva Wallet POS app and register a business account.


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References

  • Merchantmaverick.com
  • Nerdwallet.com
  • Forbes. com

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USB 2.0 and SD adapter for mobile devices

Points of sale for card readers with SanDisk adapter

  • Overview
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  • Features
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  • Where to buy

Transfer files between your computer and mobile device faster than ever before

The SanDisk MobileMate Duo Card Reader makes it easy to transfer files between your computer and any other microSD card-enabled device. Multifunctional compact card reader for smartphones and tablets comes with an SD™ adapter that allows you to use microSD™ cards in devices that use SD cards.

Plug-and-play installation on connection, no software required

MobileMate Duo is automatically configured upon connection and does not require additional drivers or software. To transfer files, simply insert a microSD card into the card reader and plug it into your computer’s USB port.

USB 2.0 for high-speed file transfer

The card reader is fully USB 2.0 compatible and copies files quickly and efficiently. Even large files, such as high-definition videos, will be transferred in minutes.

Compact and ergonomic design

With a compact, pocket-sized design, the MobileMate Duo is easy to carry when copying photos to and from a microSD card. You can use the USB card reader to transfer files to your computer, and use the included SD adapter to connect the memory card to printers and cameras.

SD adapter for maximum flexibility

The card reader comes with a convenient SD adapter that allows you to use the microSD card with any device that has an SD slot. This adapter is compatible with microSD, microSDHC™ and microSDXC™ memory cards.

Warranty

The SanDisk MobileMate Duo Card Reader has a two-year warranty 1 .

MobileMate

®
Duo

  • version: Works with microSD, microSDHC, microSDXC, card formats

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version Works with microSD, microSDHC, microSDXC, card formats
SD 9 adapter0383

Yes

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  • High Speed ​​USB 2. 0
  • Maximum convenience: just plug the card reader into the
  • port

  • Compatible with Windows Vista ® , Windows 7, Windows 8 and Mac OS X version 10.5+
  • Reads microSD, microSDHC, microSDXC 9 cards0094

What’s in the box

  • MobileMate USB 2.0 card reader
  • microSD™ adapter
Americas SDDRK-121-A46
Australia SDDRK-121-BQ35N
Canada SDDRK-121-B35S
Worldwide SDDRK-121-B35

2 2-YEAR LIMITED WARRANTY

Two-year limited warranty. For more information, see the Warranty and User Guide page.

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