Best Mobile Credit Card Processing Apps

Here is the illustration depicting the use of a cell phone for payment in a contemporary retail store.

Selecting a Mobile Payment Processing App

Mobile phone credit card processing has only been widely available for a few years, but it has become increasingly popular over that span thanks to the low setup costs and no-commitment agreements offered by most providers. In fact, many businesses are beginning to rely solely on free mobile processing apps for iPhone and Android as their primary means of accepting credit cards. This can be a very cost-effective way to take card payments for certain business types, like trade show vendors, individual contractors, or single-register locations. However, large businesses and high-volume businesses will be best served by using a mobile payment app as a backup processing option.

The following list features the top mobile credit card processing apps for iPhone and Android. We have selected these providers for this list due to their consistently strong pricing, customer support, and customer reviews. All of the apps on this list are available for both iPhone and Android users. Some options will be better suited for small one-register locations, while others are useful additions to full-service traditional merchant accounts. Many of these providers also offer integration with third-party services like QuickBooks or online marketplaces. Be sure to visit each provider's website to get a full list of current features and pricing.

How to Select the Best Mobile Credit Card Processor

When selecting the best credit card processor for a mobile card processing app business in the USA, there are several key factors to consider:

Credit Card Processing Fees

Look for a processor that offers competitive rates and low processing fees. Mobile card processing app businesses typically have higher processing fees than traditional brick-and-mortar businesses due to the added risk of fraudulent transactions.

Mobile Compatibility

Ensure that the processor's technology is compatible with your mobile app, allowing you to process payments seamlessly on any mobile device.

Security and Fraud Protection

Look for a processor that offers strong security measures to protect your customers' sensitive information and prevent fraudulent transactions. This is particularly important in the mobile card processing app industry, where transactions are conducted remotely and are thus more vulnerable to fraud.

Integration and Customization

Choose a processor that can easily integrate with your existing systems and offer customizable features, such as the ability to add custom branding to your app.

Excellent Customer Support

Select a processor that offers reliable customer support and assistance in case of any technical issues or concerns.


Ensure that the processor is compliant with all relevant laws and regulations, such as the Payment Card Industry Data Security Standard (PCI DSS) and the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Reputation and Reviews

Research the processor's reputation and read reviews from other businesses in the mobile card processing app industry to ensure that they have a strong track record of providing quality service and support. You can also see our review on this website. Simply search for the processor in the search bar at the top of this page.

By carefully considering these factors, you can select the best credit card processor for your mobile card processing app business and provide a seamless and secure payment experience for your customers.

Top Picks For Mobile Credit and Debit Card Processing Apps

helcim logo

#1 Helcim

Top Pick for Mobile Credit Card Processing

Based in Calgary, Alberta, Helcim has been providing traditional credit card processing, mobile payment solutions, virtual terminals, and online payment gateways since 2009. The company is rare among merchant services providers in that it fully discloses its pricing on its website for anyone to view. Helcim uses interchange-plus pricing, which adds a flat markup of .18% on all card-present transactions (while a rate of .36% is applied to virtual terminal and online transactions). Helcim offers additional mobile payment processing functionality through its Commerce Mobile application that is available for both Android and Apple devices.

Helcim also does not charge monthly minimum fees, statement fees, application fees, or PCI compliance fees, and it rents terminals out for a monthly rate rather than tying merchants into long-term equipment leases. The company offers month-to-month contracts and does not charge early termination fees. Helcim offers 24/7 support for merchants and has numerous positive testimonials across the internet, including in the comment section of our “A+” review. Helcim also maintains an “A+” rating with the BBB.

Accepting Mobile Card Payments with Helcim

Helcim is an excellent option for small business owners who sell mobile card processing products and need to accept credit card payments from their customers. Here are some of the reason why it is our top choice:

Ease of Use

The platform offers a user-friendly interface that allows businesses to process payments on-the-go, making it a convenient option for those who frequently sell mobile card processing products at trade shows, fairs, and other events. Helcim's mobile payment processing solution is compatible with both iOS and Android devices, allowing businesses to accept payments from any smartphone or tablet. Overall, the system is modern and intuitive.

Secure Payment Processing

Security is a crucial consideration for businesses when accepting credit card payments, and Helcim takes this aspect seriously. The platform has implemented multiple security measures to ensure that all transactions are processed safely and securely. Helcim is PCI compliant, which guarantees that sensitive data is encrypted and protected from unauthorized access. Additionally, Helcim offers chargeback protection, which helps businesses defend themselves from fraudulent chargebacks.

Affordable Pricing

Helcim offers a unique volume-based pricing model based on Interchange-plus, which is the most transparent pricing model. With volume pricing, businesses get reduced processing fees as their sales grow. This pricing model is designed to offer businesses a more cost-effective option for processing payments as their transaction volume increases.

To qualify for lower fees, businesses must meet increasing levels of monthly transaction volume. Once the threshold is met, Helcim will automatically adjust the processing fees accordingly, allowing businesses to save on their payment processing costs as sales increase.

Helcim's volume pricing model is transparent and easy to understand, with no hidden fees or surprise charges. Additionally, businesses can take advantage of Helcim's customer support team, who can help them understand the volume pricing structure and provide guidance on how to optimize their payment processing to maximize their savings.

Helcim is a great option for small businesses that need to accept mobile card payments for their mobile card processing products. With its easy-to-use mobile payment processing solution, robust security features, and affordable pricing, Helcim offers everything that businesses need to accept credit card payments securely and efficiently.

For more information, see the Helcim Website.

square credit card processing logo


Top Pick for Mobile Credit Card Merchant Accounts

Signing up for the company’s payment processing service and payment gateway service is simple: users simply visit Square’s website to fill out a short form and await approval, which typically happens instantly.  The credit card readers plug into the headphone jack, charging port, or connects via Bluetooth to a contactless card reader thereby turning almost any Apple or Android device into mobile credit card machine.

Square offers credit card processing that only has one fee: a per-transaction processing fee. The company does not charge any other fees that are typical of credit card processing, such as activation fees, monthly fees, gateway fees, PCI Compliance feesdowngrade fees, and early termination fees. Square has no additional monthly fees whatsoever as well as no monthly minimum processing fees or requirements.

Why Square is a Top Option for Mobile Card Processing

If you're a small business owner who sells Mobile Card Processing products and need to accept credit card payments from customers, then Square is an excellent option for you. Square is a mobile payment processing company that enables businesses to accept credit card payments easily and securely using their smartphones or tablets. Here are a few reasons why Square is the best option for mobile card payment processing.

Processing Hardware Included

Firstly, Square offers a free magstripe card reader that can be used to swipe credit cards. This feature is especially useful for small businesses that sell Mobile Card Processing products and need to accept payments on the go. The magstripe card reader is small and easy to use, making it ideal for businesses that operate in various locations. Furthermore, Square offers a range of other card readers that can be used to accept chip cards and contactless payments, ensuring that businesses can accept payments from a wide range of customers.

Interface is Very User Friendly

Secondly, Square's mobile app is easy to use and offers a range of features that can help businesses manage their payments. For instance, the app allows businesses to track sales, manage inventory, and issue refunds. Additionally, Square offers a range of other tools, including invoicing and recurring payments, which can help businesses streamline their payment processing and reduce administrative tasks.

Competitive Processing Prices

Lastly, Square offers competitive pricing for its payment processing services. The company charges a flat rate of 2.6% + 10¢ for most transactions, making it an affordable option for small businesses. Furthermore, Square does not charge any monthly fees or setup fees, which can be a significant advantage for businesses that are just starting.

In conclusion, Square is an excellent option for small businesses that sell Mobile Card Processing products and need to accept credit card payments. With its free magstripe card reader, easy-to-use mobile app, and competitive pricing, Square offers a range of features that can help businesses streamline their payment processing and grow their sales.

For more information, visit the Square website.

Host Merchant Services logo

Host Merchant Services

Top Rated For Mobile Credit Card Processing

Host Merchant Services is a Newark, Delaware-based merchant account provider that offers a free mobile processing app called “HMSPay” along with a free mobile reader for eligible businesses. Host is more than just a mobile payment processor, however, as it also provides point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, gift and loyalty programs, and merchant cash advances. Host Merchant Services specializes in e-commerce businesses but is able to serve mobile merchants just as well.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company's customer service for praise. Like Payline, Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model available and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

Mobile Card Processing: Why Host Merchant Services is a Top Choice

As a small business owner who sells Mobile Card Processing products, it's crucial to have a reliable payment processing solution that can keep up with your customers' needs. Host Merchant Services (HMS) is an excellent option for businesses looking for a reliable and secure payment processing solution for their Mobile Card Processing products.

Flexible Processing Solutions

One of the main benefits of HMS is its ability to process mobile payments on-the-go. With their mobile processing solutions, you can accept payments from customers anywhere, anytime. Whether you're at a trade show or meeting with clients, HMS makes it easy to accept credit card payments with their mobile payment processing technology.

World Class Commitment to Security

Another reason why HMS stands out in the Mobile Card Processing market is their commitment to security. HMS uses the latest encryption technology to ensure that all customer data is secure during every transaction. With fraud and data breaches becoming increasingly common, it's essential to have a payment processor that prioritizes security.

Competitive Pricing Options

Additionally, HMS offers competitive pricing options for businesses of all sizes. They don't charge any setup or cancellation fees, and their transaction fees are transparent and affordable. This makes it easy for small businesses to accept credit card payments without breaking the bank.

Host Merchant Services is a top choice for businesses looking for a reliable and secure payment processing solution for their Mobile Card Processing products. With their mobile processing solutions, commitment to security, and competitive pricing, HMS provides small businesses with the tools they need to succeed in today's mobile payment market.

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo


Highly Rated Credit Card Processing Merchant for Mobile Payments

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving mobile businesses of nearly any type. This includes “high-risk” industries such as CBD and Kratom businesses. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud provides a dedicated account rep to all new merchants for the life of the account.

The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

Why PaymentCloud is the Best Choice for Mobile Card Processing Products?

As a small business owner selling Mobile Card Processing products, you need a reliable credit card processing service that can handle your unique needs. PaymentCloud is an excellent option for accepting credit card payments from customers buying Mobile Card Processing products. Here are a few reasons why:

Seamless Mobile Payment Processing

PaymentCloud offers a seamless payment processing experience for your mobile customers. With its mobile payment solutions, your customers can easily make payments using their smartphones, tablets, or other mobile devices.

High Level of Security

Mobile card processing can be a risky business if you don't have a secure payment processing system in place. PaymentCloud ensures the security of all transactions, ensuring that all sensitive data is protected by the latest encryption technologies. This guarantees peace of mind for both you and your customers.

Easy Integration

PaymentCloud is designed to work with a wide range of mobile card processing products. It is easy to integrate with your existing payment systems, making it a cost-effective solution for your business.

Fast Funding

With PaymentCloud, you get access to fast funding options that allow you to get your money quickly. This means you can use your cash flow to grow your business and invest in new products.

24/7 Customer Support

PaymentCloud provides round-the-clock customer support to help you with any issues or questions you may have. Their knowledgeable and friendly team is always available to assist you, ensuring that your business is always up and running smoothly.

PaymentCloud is a top choice for small business owners selling Mobile Card Processing products who need to accept credit card payments. With its seamless mobile payment processing, high level of security, easy integration, fast funding, and 24/7 customer support, PaymentCloud offers an all-in-one solution that meets your unique needs.

For more information, visit the PaymentCloud website or call (888) 506-7859.

Additional Options

national processing logo

National Processing

National Processing offers several small business processing options and offers mobile payments through Clover and SwipeSimple. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.

National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most dentists and dental practices.

National Processing is a Top-Tier Credit Card Processing Service

National Processing is an excellent option for business owners who sell Mobile Card Processing products and need to accept credit card payments from customers who are buying Mobile Card Processing products. With their advanced technology, National Processing provides a seamless and secure payment processing experience for mobile card payments.

Reliable Technology

One of the key advantages of using National Processing for Mobile Card Processing payments is the reliability of their payment processing technology. With National Processing, businesses can process credit card payments from anywhere, at any time, using their mobile devices. The platform is fully customizable to meet the unique needs of different businesses, allowing them to accept all major credit cards with ease. Additionally, National Processing provides unparalleled security for Mobile Card Processing payments, ensuring that sensitive customer information is protected throughout the transaction process.

Exceptional Customer Support

Another reason why National Processing is an ideal choice for businesses selling Mobile Card Processing products is their exceptional customer support. With a dedicated team of experts available 24/7, businesses can get assistance whenever they need it. Whether they need help setting up their mobile payment processing system or have questions about their account, National Processing's knowledgeable customer service team is always available to provide guidance and support.

National Processing is an excellent option for businesses that sell Mobile Card Processing products and need to accept credit card payments from their customers. Their advanced technology and unparalleled security, combined with exceptional customer support, make them a top choice for businesses of all sizes. By choosing National Processing, businesses can streamline their mobile payment processing and focus on what they do best – providing their customers with exceptional products and services.

For more information, see the National Processing website or call (385) 777-1235.

shopify logo


Shopify is primarily known as an e-commerce platform for online merchants, though the company also recently launched a point-of-sale software solution for iPad and iPhone. The Shopify POS app can accept cards via a headphone jack card swiper or a $129 EMV reader and includes features like inventory syncing with a webstore, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds. The service can also be paired with a Shopify online store, which comes with numerous customization options. Shopify POS is a great fit for iPhone and Android users who would like to accept payments on-site using their phones as well as through a webstore. Service-industry merchants should note, however, that Shopify's POS app does not currently support tipping.

Shopify offers month-to-month pricing plans with variable pricing and product tiers. The company is headquartered in Ottawa, Ontario, and has been in operation since 2005. The company provides phone, email, and live chat support to all of its merchant tiers and enjoys very few online complaints despite its massive user base. The BBB gives Shopify an “A+” rating at this time, while awards the company an “A.”

Why Shopify is a Solid Choice for Mobile Card Payment Processing

Accepting credit card payments is essential for small businesses that want to grow and expand their customer base. For business owners selling Mobile Card Processing products, Shopify is an excellent option for credit card processing. With Shopify, you can easily set up a mobile card processing system, enabling you to accept payments on the go from anywhere.

Seamless Integration of Card Processing Devices

Shopify offers a seamless integration of mobile card processing devices, such as Square or PayPal Here, allowing businesses to process payments through a smartphone or tablet. The platform also provides secure and reliable payment processing with fraud prevention tools to ensure that all transactions are safe and protected.

Comprehensive Features for Mobile Card Payment Processing

In addition to providing mobile card processing solutions, Shopify offers a range of features to help businesses manage their online store effectively. With its user-friendly interface and powerful inventory management system, Shopify makes it easy for businesses to sell Mobile Card Processing products online and track their sales in real-time. This enables business owners to make informed decisions about their product offerings and marketing strategies.

If you're a small business owner selling Mobile Card Processing products and need a reliable and convenient credit card processing solution, Shopify is the way to go. Its mobile card processing features and easy-to-use platform make it a great option for businesses looking to grow and succeed in today's fast-paced business environment.

For more information, see the Shopify website.

cdg commerce logo

CDG Commerce

Located in Chesapeake, Virginia, CDG Commerce is another ideal option for mobile payments. CDG has been privately owned since 1998 and offers a proprietary payment gateway (as well as a discount on Authorize.Net’s payment gateway), a virtual terminal, QuickBooks integration, mobile phone processing, sales reporting, security breach protection, and vulnerability scanning. CDG Commerce is ideal for merchants that require a simple, low-cost, integrated method for accepting online and in-person payments.

CDG Commerce only charges a low, fixed fee per transaction and offers competitive contractual terms, including no annual fees, monthly minimums, or termination fees. CDG also offers next-day funding to most business types. CDG has earned an “A+” rating in our review as well as an “A+” rating with the BBB.

Why CDG Commerce is a Great Option for Mobile Card Payment Processing

CDG Commerce is an excellent option for small business owners who sell Mobile Card Processing products and need to accept credit card payments from their customers. With CDG Commerce's mobile card processing services, you can process credit card transactions securely and quickly, whether you are in-store or on the go.

Advanced Mobile Payment Technology

One of the reasons CDG Commerce is an ideal choice for Mobile Card Payment Processing is their advanced mobile payment technology. Their mobile card readers are equipped with EMV technology, which provides an added layer of security for card transactions. The EMV chip technology makes it almost impossible for fraudulent activities like card skimming and cloning to occur. With CDG Commerce's mobile card processing, you can process payments with confidence knowing that your transactions are safe and secure.

Competitive Pricing Options

Another benefit of using CDG Commerce for mobile card payment processing is their affordable pricing. As a small business owner, you want to keep your expenses low. CDG Commerce offers competitive pricing with no hidden fees. They have flexible pricing plans that cater to your business needs, so you only pay for what you need. With their transparent pricing, you can budget better and forecast your business expenses more accurately.

CDG Commerce is a great option for small business owners who sell Mobile Card Processing products and need to accept credit card payments from their customers. With their advanced mobile payment technology and affordable pricing, you can process credit card transactions securely and cost-effectively. Choose CDG Commerce for your Mobile Card Payment Processing needs and watch your business grow.

For more information, see the CDG Commerce website or call (888) 393-1079.

Frequently Asked Questions: Mobile Card Processing Apps Credit Card Processing

What is a mobile card processing app?

A mobile card processing app is a software solution that enables businesses to process credit or debit card payments using a mobile device like a smartphone or a tablet. It's ideal for small businesses, freelancers, or merchants who need to accept payments on the go.

How do I choose the best mobile card processing app?

When choosing the best app, consider factors like transaction fees, hardware costs, the app's user interface, customer support, security features, and any additional features such as inventory management or sales reporting.

Are these mobile card processing apps secure?

Yes, reputable mobile card processing apps have robust security measures in place to protect cardholder data, including encryption and compliance with the Payment Card Industry Data Security Standard (PCI DSS). However, always ensure to check the security features of the app before using it.

How much do mobile card processing apps charge for transactions?

This depends on the app, but many charge a small percentage of each transaction, often between 2.7% and 3.5%. Some may also charge a flat fee per transaction. Be sure to check the pricing structure of each app to understand what you'll be paying.

What are some popular mobile card processing apps?

Some of the most popular mobile card processing apps included Square, PayPal Here, Stripe, and Clover Go. Be sure to check for the most recent and relevant apps for your needs.

Do I need any special hardware to use a mobile card processing app?

Many apps require a card reader that plugs into your mobile device. Some newer models also support contactless payment methods like Apple Pay or Google Pay. The hardware you need will depend on the specific app you choose.

Can I use a mobile card processing app to track sales and inventory?

Yes, many mobile card processing apps offer additional business tools, such as inventory tracking, sales reporting, and customer management features. However, not all apps offer these features, so it's important to check what each app includes.

Can I use a mobile card processing app in any location?

Generally, yes, as long as you have a compatible device and an internet connection. However, certain apps or features may be limited to specific countries or regions, so it's a good idea to check this in advance.

Can I process refunds through these apps?

Yes, most mobile card processing apps allow you to process refunds, although the process can vary from one app to another. Check the app's instructions or contact their customer support for help with processing refunds

Is there a limit to how much money I can process through a mobile card processing app?

This depends on the app and your account type. Some apps may have limits on the transaction size or the total amount of money you can process in a certain time period. It's best to check the terms of service or contact the app's customer support for information specific to your situation.

Reader Comments

Tell Us What You Think

1 User Reviews

  • George

    I wanted to take a moment to express my sincere thanks for your outstanding article on the “Best Mobile Card Processing Apps”. As a small business owner in the digital age, this comprehensive guide has been nothing short of a boon for me.

    Your in-depth exploration of each app, including their unique features, pros, cons, and associated fees, was wonderfully detailed and insightful. The clarity and simplicity with which you tackled this complex topic was truly commendable, making it easily accessible to readers like myself who may not be tech-savvy.

    Your effort to highlight critical factors like transaction speed, ease of use, security features, customer service, and compatibility with different mobile platforms has significantly streamlined my decision-making process. Additionally, the real-life examples you used to illustrate how these apps work in various business scenarios were extremely helpful.

    I appreciate the thoroughness and objectivity of your research, and your dedication to providing a balanced view of the options available to us. This is no small task given the myriad of choices in the market, and your work has effectively simplified this daunting task.

    Thank you once again for your invaluable contribution to this field. Your hard work and diligence in providing such a well-rounded perspective is highly appreciated.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. Required fields are marked *

Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.