Best German Mobile Credit Card Processing Apps

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

Like the rest of Europe, Germany has limited options when it comes to mobile credit card processing apps. U.S. merchants are fortunate to be able to choose between dozens of imitators and competitors of Square, but the available German smartphone payment processing apps are largely limited to solutions created in the U.S. or in other European countries. Germany does have a homegrown e-commerce processor in Paymill, but the company has yet to create a German mobile phone processing app.

Without a clear frontrunner option, it can be difficult for German merchants to identify which mobile payment processing apps are the best for their businesses. That’s why we’ve composed the following list of the best German mobile credit card processing apps. The processors on this list offer low-commitment, low-cost smartphone payment apps and equipment and have received generally positive reviews for their customer support. Some providers on this list may be a better fit for your business than others, so be sure to compare their costs and customer service options before signing up for service.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

iZettle

Headquartered in Sweden, iZettle is a mobile credit card processor that has been processing payments since 2010. The company’s products and services include an EMV- and NFC-compatible mobile credit card reader, a point-of-sale app, email marketing tools, sales analytics, Xero integration, point-of-sale hardware, and merchant cash advance. iZettle is capable of serving businesses in Sweden, Finland, Denmark, Norway, United Kingdom, Germany, France, Spain, Italy, Portugal, the Netherlands, Mexico, and Brazil.

iZettle does not charge any monthly fees and charges 0.95% for debit transactions and 2.75% for all other transactions. Its Bluetooth-enabled card reader costs €39 plus VAT. Our review of iZettle currently gives it an “A” rating overall.

For more information, see the iZettle website.

iZettle Highlights

€39 + VAT card reader
0.95% or 2.75% per transaction
Live customer support

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


SumUp

A London-based business, SumUp is a mobile payment service that merged with Payleven in April 2016 and now acts as the parent brand between the two. Its products and services include an EMV/NFC card reader, a point-of-sale app, sales analytics, an itemized product catalogue, and digital receipts. Like iZettle, SumUp charges 0.95% for debit transactions and 2.75% for all other transaction types. It also does not charge any monthly fees.

SumUp’s mobile card reader costs €79 plus VAT. The company does not offer live phone support to its merchants. Our review of SumUp currently assigns it an “A” rating.


If we are missing any great German mobile payment processing apps that should be included on this list, please let us know in the comment section below.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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