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Unlike free card readers from competing services, this one from QuickBooks can handle both mag-stripe and chip methods of entry, and connects to the smartphone wirelessly via Bluetooth.Īnother benefit of this service is that there is no setup fee, or any minimum usage level, making QuickBooks more attractive for the lower volume user.

The smartphone app is notable, and this has a companion card reader, both of which come for no additional charge. Intuit, best known for TurboTax (opens in new tab), produces the QuickBooks small business accounting offering, and under that umbrella is its mobile card reader effort, which is known as QuickBooks Payments. However, there is a different device required for contactless payments, which allows not just for chip and pin cards to be read, but also use Apple Pay for payments.Īltogether, Square make taking transactions a painless process, and the card reader is both easy to use and simple to work with. Even better is that there are no monthly fees, either. The basic card reader itself is free, and transaction fees are a flat-rate for Visa, Mastercard, Discover, and American Express. Instead it's sent over an encrypted connection for processing, and then that's the processing done. The swiping process is easy, but it's also secure with no card or customer data being stored in your phone.

The attachment can then have cards simply swiped through it to be processed.

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The card reader itself is just a small device that clicks onto your smartphone via a Lightning USB connection for iPhones and iPads, or phone jack connection for Android phones. As with Square's products in general, your mobile device can serve as a checkout and sales center for your retail business, and the card reader remains an integral part of that. Square provides a range of innovative POS solutions, and their mobile card reader continues this policy. More compact US version not available in UK

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We've also showcased the best accounting software for small business and best tax software. Here we look at some of the merchant service providers who can provide the best in mobile card readers for taking payments on the go. the pennies the bank will charge for movement of funds between accounts. There are options to pay a monthly fee in order to reduce transaction fees down to interchange fees only, i.e. Many charge no monthly fee, just transaction fees in the range of 2.5-3.5%. Most merchant services providing a mobile card reader offer rates similar to online payment processing systems.

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And some merchants offer an offline option to boot.Įven better, it's not just the ability to take payments from credit/debit cards with an EMV aka chip-and-pin, but contactless payments can now also be taken, including Apple Pay, Android Pay, and Samsung Pay. Using nothing more than your smartphone, a downloaded app, and a cheap card reader costing from $25 to $50, you can take payments anywhere there is a cellular network signal. Where mobile credit card processing really comes into its own is its sheer flexibility. The best POS systems can manage your inventory, ensure you're on top of compliance-related payment regulations, and help your business avoid fines and other administrative costs (such as chargeback fraud), all while offering advanced security features that protect from data theft and cyber breaches. They can even be great for small mom-and-pop shops that are looking to keep their initial costs down, and a tablet running apps on a stand can work in lieu of a till.Ĭredit card readers are the front end to your point of sale (POS) system, which can do much more than simply read cards. You don't need a checkout till, you just need a smartphone (opens in new tab) or tablet (opens in new tab) able to run apps that can connect with a mobile card reader. This is where mobile card readers really come into their own for credit card processing, allowing you to take card payments wirelessly and on the go. But what happens if you want to sell at a trade fair, set up a market stall or pop-up shop, or swipe a credit card tableside in a restaurant? Taking card payments is increasingly essential for any modern business too.

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