Best iPhone Card Processing Apps

FTC & Advertising Disclosure

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here.

Your Processing Rate Can Be Influenced By Hundreds Of Factors

Do you know the difference between Bill-Back and Bucket pricing? How about Interchange-plus and Subscription? Do you know if your processor is making mistakes with your rate tiers? Find out today.

Accept Payments With Your iPhone

These top iPhone credit card processing applications make it easier to run your business from anywhere (also see: Best Android Credit Card Processing Apps). Whether you are selling crafts at a trade show or providing in-home services, you can now accept credit cards with your iPhone through a variety of applications. These low-cost apps also make for great backup processing options in the event of a service disruption from your primary processor.

Find the Best

Below are our top mobile credit card processing picks based on pricing, customer support, and user satisfaction. Some of these options are ideal 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. Check out each provider’s website to get a full list of current features and pricing.

Best Overall Option

Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. In addition to an EMV-compatible mobile app and card reader for iPhones, the company’s products and services include countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant offers a mobile app called NPC Mobile that is priced according to Fattmerchant’s unique rate structure.

Fattmerchant Reviews

Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A” rating on CPO and an “A-” rating with the Better Business Bureau.

For more information, visit the Fattmerchant website, or call (866) 397-9826.

Fattmerchant Highlights

Subscription-style or flat rate pricing
Custom tip settings
Live customer support

Fattmerchant Mobile Overview

Great for E-Commerce

Host Merchant Services is a Newark, Delaware-based merchant account provider that offers a free mobile processing app called “HMSPay” for iPhone 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 Reviews

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+.”

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

HMSPay Highlights

Free card reader (eligibility varies)
Interchange-plus pricing
Live customer support

Easy Sign-Up

Shopify is primarily known as an e-commerce platform for online merchants, but the company recently launched a point-of-sale software solution for iPad and iPhone. The Shopify POS app can accept cards via a free headphone jack card swiper or an $89 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 mobile merchants 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 Reviews

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 CardPaymentOptions.com awards the company an “A.”

For more information, see the Shopify website.

Shopify POS Highlights

$89 EMV card reader
2.4% to 2.7% swiped
2.4% + $0.30 to 2.9% + $0.30 keyed
Live customer support

About Phillip Parker

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to expose unethical merchant account providers. I’ve since researched and reviewed hundreds of companies involved in the card payment industry and helped millions of business owners. I’ve also appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on small business credit card processing.

Get an Independent Rate Evaluation

When was the last time you had your rates analyzed by someone who wasn’t also trying to sell you a merchant account? I support this website by helping business owners understand their true credit card processing costs. Find out how I can help you permanently lower your processing fees to the lowest possible rates.

How To Sync Payments With QuickBooks

The following merchant services providers offer either direct or indirect integration. Providers with direct integration offer solutions like payment gateways, plugins, or APIs that seamlessly transfer your transaction details and payment history from your merchant account to QuickBooks. Providers with indirect integration…

Before You Switch,
Get Refunds!

Before you switch processors, a tactful call with your current processor can yield huge refunds.

Learn How >>>

Copyright

Copyright © CardPaymentOptions.com, 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 CardPaymentOptions.com, 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.