Top 5 Best Mobile Credit Card Readers for Small Business Owners

Welcome to our roundup of the top mobile credit card readers on the market! In this article, we’ll be diving into the world of contactless payments and exploring the best options for both small businesses and individual sellers. Whether you’re looking for features, ease of use, or affordability, we’ve got you covered. So, grab a cup of coffee and let’s explore the world of mobile credit card readers together.

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Reviews

SocketScan S550: Touchless Contactless Credit Card Reader

I recently got my hands on the SocketScan S550 contactless membership card reader/writer, and let me tell you, it’s a game-changer. The highlight for me is its fast NFC and RFID reader capability, allowing me to quickly and easily tap and go through different access points.

One of the standout features is the long-lasting battery, which has been incredibly convenient during my busy daily life. No more constantly carrying around chargers for the reader!

However, the smaller size does make it slightly harder to hold comfortably for extended periods of use. It can feel a bit uncomfortable, although I’d say it’s a worthwile trade-off for the added portability.

Overall, the SocketScan S550 has been quite reliable in my experience, and I’d highly recommend it for anyone in need of a convenient and efficient smart card and NFC reader.

Square Smartphone Swipe Payment for Apple & Android

I’ve had the pleasure of using the Square Smartphone Swipe Payment for Apple and Android, and I must say I’m impressed with its convenience and efficiency. Not only does it accept almost all major credit and debit cards, but it’s compatible with your smartphone or tablet too!

What stood out for me was its security. Square ensures that every transaction is monitored live and the card information is encrypted as soon as it’s swiped. It’s a small detail, but it gives you peace of mind when handling sensitive financial information.

One downside was the 2.6% + 10 cent transaction fee, although this seems fair in comparison to other card reader systems. It’s also worth mentioning that this device only accommodates devices with a 3.5mm headphone jack, but it’s easy to use and set up.

Overall, I’d recommend the Square Smartphone Swipe Payment for its ease and security. It offers a small, lightweight device that allows you to run your business wherever you go.

PayPal Contactless Chip & Tap Credit Card Reader

I recently had the chance to use the Paypal Chip and Tap Credit Card Reader for my small business. At first, I was excited to use the latest technology and accept various forms of payments from my customers.

The reader’s compact size and sleek black design grabbed my attention, making it easy to carry around in my pockets. It easily attached to my phone using the clip provided. The built-in chip and tap capabilities allowed for easy transactions, but I found the process of setting up my business account on PayPal to be a bit confusing and frustrating.

One of the main features I enjoyed was the Bluetooth connectivity, which enabled me to connect with my smartphone or tablet seamlessly. This allowed for quick transactions and easy access to my account information.

However, there were some downsides I experienced while using the reader. The battery life seemed to drain quickly, requiring frequent charging. Furthermore, I encountered issues with the device’s reliability, which led to some payment failures while accepting transactions.

Overall, the Paypal Chip and Tap Credit Card Reader offers a convenient way to accept various forms of payments, but the battery life and reliability concerns can be improved.

Payanywhere Portable Mobile Credit Card Reader

PayAnywhere - my go-to for mobile payments. I’ve been using it for a while now, and it has made accepting payments on the go a breeze. The app is simple and user-friendly, allowing me to set up my business in no time. I love the feature of adding discounts, tips, and tax - it helps me keep track of my finances seamlessly. Plus, it has multilingual support for English and Spanish, which is great for my diverse clientele.

As for the cons, the mobile credit card reader can sometimes be tricky to pair with my phone. I had to try several different cables before I found one that worked. The other issue is the monthly minimum requirement - it’s not something I’m keen on, but it’s a small price to pay for the convenience this device offers.

I also appreciate the live customer support, which has saved me from multiple headaches while setting up my business. It’s comforting to know there’s always someone to turn to if you have any questions or concerns.

Overall, PayAnywhere has been a game-changer for my small business, allowing me to accept payments on the go with ease. It’s a bit pricier than some other options, but the features and reliable customer support make it worth the investment.

Idtech UniMag II Secure Mobile Card Reader

The UniMag II is a versatile, secure mobile magstripe reader designed for a wide range of mobile devices. This two-track magstripe reader ensures superior reading performance, allowing users to quickly swipe cards in either direction for up to two tracks of information.

The reader is compatible with various mobile platforms such as Apple, HTC, LG, Motorola, and Samsung devices, making it a handy tool for businesses or individuals requiring frequent card scans. A merchant account is necessary for credit card transactions, and the device does not come with a mobile device.

Although some reviews mention a need for a mobile device extender when using it with hard-shell cases, the UniMag II proves to be an efficient, easy-to-use, and convenient option for many users.

SumUp Air: Contactless Payment Solutions for Credit & Debit Cards

The SumUp Air Card Reader is a portable and user-friendly device that enables various businesses to accept card payments with ease. Designed to work with all major credit and debit cards, it supports contactless payments such as Apple Pay and Google Pay, making transactions quick and hassle-free. The card reader is compatible with both Android and iOS devices and requires the SumUp app for easy setup and management.

The SumUp app is intuitive and user-friendly, allowing users to set up product catalogues with VAT rates, track sales, and manage multiple employees through a single dashboard. Additionally, the app provides insights into sales metrics, digital receipts, and tax management, simplifying the financial aspect of your business.

One of the standout features of the SumUp Air Card Reader is its low and transparent pricing, with a flat rate of 1.69% per transaction and no contracts or paperwork. The device supports pay-as-you-go usage, so you only pay for the transactions you make without any hidden costs.

The SumUp Air Card Reader is compact and lightweight, making it a perfect companion for businesses on-the-go, such as market stalls, pop-up shops, and event booths. Additionally, the device comes with a long-lasting battery, ensuring that you can conduct multiple transactions before needing to recharge it overnight with a USB.

In conclusion, the SumUp Air Card Reader is an excellent choice for small and medium-sized businesses in need of a reliable and portable card payment solution. Its user-friendly interface, low costs, and convenient wireless design make it an attractive option for those seeking flexibility and ease of use in their payment transactions.

Square Magstripe Mobile Credit Card Reader

The Square Square Reader for Magstripe is a mobile credit card reader, designed for simplified and quick payments. The setup process is a breeze, with users simply needing to download the Square app, create an account, and they are good to go for making transactions. One highlight of this product is its pricing - one flat rate per swipe and no additional fees or commitments, making it an attractive option for those looking for hassle-free payment solutions.

This reader also boasts fast deposit times, allowing users to get their money almost instantly, providing a seamless experience. However, it’s crucial to note that the reader is only compatible with certain phones, so users should ensure their smartphones are among the supported models before making a purchase.

Users have generally found the Square Square Reader for Magstripe to be easy to use and well-constructed. The device is sturdy and durable, proving suitable for a wide range of payment scenarios. On the other hand, some users have reported minor issues with the swiping functionality, but overall, satisfaction with the device is high, with a rating of 4.7 out of 5 from 2724 reviews.

Clover Go Contactless Reader - Hassle-Free Mobile Payments

The Clover Go Contactless Reader, a portable EMV-ready device, enables seamless credit card payments on the go. It’s compatible with a wide range of popular payment methods, including Apple Pay, Samsung Pay, and Android Pay.

With a Bluetooth connection, this versatile reader supports any existing Clover Go account, while new accounts can be requested upon need. However, it’s important to note that a stand is sold separately.

Clover Flex Mobile POS System with Card Reader

I recently got the chance to try out the Clover Flex Mobile POS & Card Reader, and it has been a game-changer for my small business. Not only did I appreciate the sleek design and user-friendly interface, but I was blown away by the impressive features it has to offer.

One of the highlights that stood out to me was the built-in camera and barcode scanner. This allowed me to instantly scan items into my inventory and manage it on the go. The wireless 3G capability also allowed me to take payments anywhere, giving me the flexibility to bring my business on the road.

However, there were a couple of drawbacks I encountered. At times, the battery life seemed to drain faster than anticipated, and the electronic signature feature didn’t always work as intended. Even so, the Clover Flex Mobile POS & Card Reader offered a multitude of benefits that outweighed the minor drawbacks.

Overall, I would say the Clover Flex Mobile POS & Card Reader is a valuable investment for small businesses looking for a versatile and convenient method of accepting payments.

Clover Mobile: Secure Mobile Credit Card Reader

Discover the versatility of Clover Mobile, a credit card reader that goes beyond basic transactions. This innovative device provides the comprehensive business-building features that Clover is renowned for, allowing you to customize your experience with optional applications. Clover Mobile also boasts cloud-based data storage, making it an excellent choice for businesses on the go. Whether you need a standalone device or a complement to your Clover Station, Clover Mobile offers a range of features tailored for various industries, such as quick serve, food trucks, restaurants, retailers, and mobile service professionals.

Clover Mobile’s extensive capabilities include the acceptance of multiple credit and debit payment types, including EMV (chip + PIN and chip + signature), contactless (including Apple Pay), swipe (MSR), and PIN debit, making it a convenient solution for various payment scenarios. Additionally, its barcode scanner and front-facing camera enhance the user experience. The device comes equipped with two connectivity options: wireless only or wireless + 3G (requiring a data plan). With a sleek 7” antimicrobial Corning Gorilla Glass display screen, Clover Mobile offers a durable and hygienic experience, while lasting all day on a single charge.

In summary, Clover Mobile offers an exceptional combination of features and flexibility, catering to a wide array of industries and businesses. Embrace the convenience and efficiency that this mobile credit card reader brings to the table, and experience the full range of benefits that Clover Mobile has to offer.

Buyer’s Guide

When it comes to accepting card payments on the go, a mobile credit card reader is an invaluable tool. This nifty device enables businesses of all sizes to process transactions without the need for traditional terminals or heavy machinery. In this guide, we’ll discuss the key features and considerations to keep in mind when selecting a mobile credit card reader.

NFC and EMV Compatibility

Near Field Communication (NFC) and Europay, MasterCard, and Visa (EMV) chip technology are the industry standards for secure, contactless payments. Make sure your mobile credit card reader is compatible with both NFC and EMV to ensure the widest range of payment options for your customers. This will also help you stay ahead of the curve as new payment technologies emerge.

Payment Processing Fees

Payment processing fees are a necessary evil when it comes to credit card transactions. Some mobile credit card readers offer competitive pricing structures, while others may charge higher fees. Be sure to research the fees associated with the reader you’re considering, as these can have a significant impact on your business’s bottom line.

Portability and Battery Life

A mobile credit card reader should be lightweight and compact, with an ergonomic design that’s easy to handle. Additionally, it’s crucial to have a reader with a long-lasting battery life, as you don’t want to be tethered to an outlet or power bank all day. Consider the reader’s size, weight, and battery life before making your final decision.

Ease of Use and App Compatibility

Your mobile credit card reader should be user-friendly, with a simple interface that requires minimal training. It’s also essential to have an app that’s compatible with your device to process transactions smoothly. Consider the reader’s app compatibility, as well as its overall ease of use, when making your purchase.

FAQ

What is a Mobile Credit Card Reader?

A Mobile Credit Card Reader is a device that allows you to accept credit card payments on your smartphone or tablet. By connecting the reader via Bluetooth or Wi-Fi to your device, you can process transactions, update your inventory, and manage your sales in real-time. These devices are compact, portable, and user-friendly, making them suitable for businesses of all sizes and industries.

Some popular types of mobile credit card readers include point-of-sale (POS) systems, mobile card readers, and card machines. These devices offer a range of features like contactless payment support, customized receipts, and secure transactions to ensure a smooth and efficient payment experience for both businesses and customers.

What are the benefits of using a Mobile Credit Card Reader?

Mobile credit card readers offer several advantages, including increased mobility, flexibility, and ease of use. By processing transactions on the go, businesses can save time and money by avoiding trips to the bank or other payment processors. This is particularly beneficial for small businesses, freelancers, or vendors selling at events.

Additionally, mobile credit card readers help businesses stay competitive by accommodating multiple payment methods, such as credit or debit cards, near-field communication (NFC), and contactless payments like Apple Pay and Google Wallet. By accepting more payment methods, businesses can attract a wider customer base and streamline their sales process.

How secure are mobile credit card readers?

Mobile credit card readers are designed to protect both businesses and customers by ensuring secure transactions. They utilize encryption technology to safeguard sensitive financial information, such as credit card numbers and expiration dates. This helps prevent fraudulent activities and unauthorized access to your customers’ payment data.

To further enhance security, most mobile credit card readers require a PIN or password to be entered before processing any transactions. This additional layer of protection ensures that only authorized individuals can access and process payments using the device. Additionally, many readers come with built-in anti-virus software and automatic updates to maintain their security and functionality over time.

What are the compatibility requirements for a Mobile Credit Card Reader?

Most mobile credit card readers are compatible with a wide range of devices and operating systems, including smartphones and tablets running iOS or Android. To check compatibility, you’ll need to consult the manufacturer’s specifications or user manual for your chosen reader. It’s essential to ensure that your device meets the minimum hardware and software requirements to ensure seamless integration and functionality.

Additionally, make sure your mobile device has the necessary Bluetooth or Wi-Fi connectivity options enabled, as well as sufficient battery life to support the use of the credit card reader for extended periods. This will help ensure smooth and uninterrupted transactions during your business operations.

Can I use a Mobile Credit Card Reader for e-commerce transactions?

While mobile credit card readers are primarily designed for in-person transactions, some models offer integration with e-commerce platforms, such as Shopify or WooCommerce. This enables businesses to accept online payments through their mobile device, providing an additional layer of flexibility and convenience.

In cases where your mobile credit card reader is not directly compatible with e-commerce platforms, you may consider using a separate virtual terminal or payment gateway solution. These tools allow you to securely process online transactions using your mobile device, without the need for a dedicated credit card reader.

Do I need any additional equipment to use a Mobile Credit Card Reader?

Most mobile credit card readers come with a built-in card reader that is compatible with standard credit and debit cards. However, if you need to process payments for specific card types or require a more durable or customized reader, you may need to purchase additional equipment or accessories from the manufacturer or a third-party provider.

Furthermore, you may also require a smartphone or tablet with a sufficient battery life and Bluetooth or Wi-Fi connectivity, depending on the type of credit card reader you choose. This will help ensure a seamless and uninterrupted payment processing experience for your business operations. It’s essential to check the compatibility and requirements of your chosen mobile credit card reader before making a purchase.

As an Amazon Affiliate™ I receive compensation through qualified purchases