5 Best Mobile Credit Card Processing Options for 2018

Mobile credit card processing lets you process credit card payments on-the-go using a mobile credit card reader connected to your smartphone or tablet. Some mobile payments solutions are stand-alone, others require additional payment services. We compared 5 top mobile credit card processing providers that cover a full range of mobile payments options for small businesses.

Best Mobile Credit Card Processing Services Summary Table

Processor	Best For	Mobile Payments Fees
Square	New sellers and small shops wanting a $0-cost option	2.75% No monthly fee
Cayan	Volume sellers looking for lower processing fees	2.01% + 25¢ per swipe or less $0 - $7.95 monthly fee
Shopify	Businesses that want to sell via mobile & online	2.7% $9 per month
QuickBooks GoPayment	Businesses that use QuickBooks	2.4% + 25¢ per swipe or less $0 - $20 monthly fee
PayPal Here	Businesses that accept PayPal payments	2.7% No monthly fee

How We Evaluated Mobile Credit Card Processing Solutions

Mobile credit card processing is supported by many payment providers. But a select few stand apart from the rest in terms of ease of use, simple fee structures, and suitability for certain selling needs. We targeted our search to uncover that top mobile payment processors that:

• Are startup- and small business-friendly
• Offer easy-to-understand fees without surprises
• Don’t have minimum monthly charge thresholds
• Offer a fast $0 or low-cost setup with $0 or very minimal monthly fees
• Provide reliable, low-cost mobile credit card readers
• Can also accommodate in-store, ecommerce, and invoice payments
• Can work with cash drawers and receipt printers if needed

Here are the 5 mobile credit card processing providers that met the above criteria.

1. Square – Best Mobile Credit Card Processor for New & Small Businesses

Who Square is Best Suited for

Square is our top mobile credit card processing choice for startups and small businesses for 3 primary reasons:

1. Square has no startup, monthly, or cancellation fees, so it’s completely risk-free to try out.
2. You get a free magstripe reader when you sign up, and the reader for processing chip card and contactless eWallet payments is just $49.
3. You can sell anywhere: mobile, online, and in-store with competitive credit card processing rates and a no-surprises fee structure; plus track sales, inventory, and more, all for free.

Overall, Square it offers the fastest, simplest, and cheapest way for small businesses to start accepting credit card payments via mobile and anywhere else you sell.

Square Mobile Credit Card Processing Pricing

Square has no startup or monthly fees and supports both physical card swipes and keyed-in payments via its powerful mobile point-of-sale (POS) app. You get free mobile magstripe reader for swiping cards upon sign-up, but you must purchase a reader for processing EMV chip cards and contactless eWallet payments.

Square Mobile Credit Card Processing Fees & Credit Card Reader Price Chart

Mobile Credit Card Processing Fees	Swipe, chip or contactless payments	2.75%
	Manual-entry payments	3.5% + 15¢ per transaction
	Startup or monthly fees	$0
Mobile Credit Card Readers Compatible with: Most Apple and Android devices, see all	Magstripe reader	Free
	Chip & contactless reader	$49

What You Can Do with Square

Square covers virtually every on-the-go credit card processing need a business can dream up. With Square mobile payments, you can:

• Accept Visa, MasterCard, Discover, American Express, Apple Pay & Android Pay
• Process physical magstripe and EMV chip cards
• Process contactless credit card and eWallet payments
• Use Square’s free mobile point-of-sale (POS) software to fully track inventory, sales, and manage your entire business
• Allow multiple staff members to process payments using multiple devices
• Accept payments with or without a connection using Square’s online/offline mode
• Manually enter credit card numbers and process payments without a reader
• Have customers e-sign receipts on screen
• Allow customers to add or adjust tips
• Email a customer receipt upon completion of a mobile sale
• Sell existing inventory items or charge custom amounts
• Email invoices and accept online invoice payments
• Add and track sales taxes
• Process refunds and track store credits
• Record and track check and cash sales
• Integrate with top accounting programs like QuickBooks and Xero

If your business expands from just mobile credit card processing to in-store and/or online sales, Square has you covered. With Square’s all-in-one payment solution and powerful free POS and business management software, you’re poised to grow in any direction, including:

• Online Selling – Square offers a free online store that you can easily launch right from you Square inventory, plus Square integrates with virtually every top ecommerce platform.
• In-store Retail Sales – Square’s top-rated retail POS system lets you seamlessly track inventory quantities, sales, customers, and more. A countertop checkout for your iPad starts at just $169, and you can add a cash drawer, receipt printers, and more.
• Invoicing and Recurring Payments – If you run a service business, Square’s powerful invoicing and recurring payment features are built right with no added fees.

What’s Missing from Square

Square does a great job covering all of the bases when it comes to mobile and, frankly, all possible needs for credit card processing. But, there are a few areas where Square falls short when compared to other mobile credit card processing options. These are:

• Merchant Account Choice – Since Square is it’s own credit card processor, you don’t have the ability to use your own merchant account provider or shop around for better credit card processing rates.
• Customer Service – According to user reviews, Square could improve some areas of their customer service; namely phone support when you run into a problem. A customer code is required to even call Square, so you must sign up before you can even talk to them. Plus, phone hours are 6 am to 6 pm PST, Monday-Friday. If you run into a processing issue over the weekend, you have to submit a support ticket.

Despite these 2 shortcomings, Square is one of the most popular mobile credit card processing solutions, and for good reason. Its transparent fee structure, array of payment processing options, and free management tools allow businesses to easily launch and grow in any desired direction within one seamless, scalable system.

Visit Square

2. Cayan & SwipeSimple – Best Mobile Credit Card Processor for Volume Sales

Until now, all of the mobile credit card processing solutions we covered above were all-in-one, meaning the provider, app, and reader all come as one combined service. SwipeSimple is different. It’s a mobile payments and business management app that works with a number of merchant providers. That means you can use SwipeSimple with your choice of merchant account services to find the best deal for your business.

If your existing merchant provider supports SwipeSimple (and many do), you can use them, or rate-shop their many partners. We’ve already reviewed many merchant providers and you can compare our top picks in our guide to merchant account services. After weighing the options, we recommend Cayan merchant services with SwipeSimple for volume sellers and fast-growing companies that need mobile credit card processing.

Cayan & SwipeSimple Mobile Credit Card Processing Pricing

Like all traditional merchant services providers, Cayan offers many processing rate plans, such as Tiered and Interchange-plus plans, even on mobile accounts. If you’re considering this option, you really need to understand how these plans work so you don’t end up with surprise fees. You can learn all about them in our guide to credit card processing fees.

In our reviews, we found that Cayan’s small business Interchange-plus plan has very low rates for businesses that process more than $10k in monthly charges. Below we list Cayan’s standard Interchange-plus rates for an on-average $10k/month seller, but based on your business type and volume, your rates can differ or even be lower. Visit Cayan to get a custom rate quote.

Cayan & SwipeSimple Mobile Credit Card Processing Fees & Credit Card Reader Price Chart

Mobile Credit Card Processing Fees Via SwipeSimple & Cayan	Swipe and chip payments	Interchange + .50% & 15¢ per transaction
	Online & manual-entry payments	Interchange + .50% & 15¢ per transaction
	Startup, monthly & annual fees	$0/startup $0-$7.95/month $99/year PCI-compliance fee NO Annual Non-Compliance Fees
Mobile Credit Card Reader Compatible with: Most Apple & Android devices, see all	Swipe & chip card reader	1 Free with account sign-up $29 per additional reader

Now let’s see what Interchange-plus rates mean in terms of dollars to you.

Interchange Rates are what credit card companies charge processors (like Cayan, Square, PayPal) each time they run a credit card or debit card for you. Unlike flat-rate credit card pricing which applies the same percentage to all charges, with Interchange-plus rates, you pay a lower rate when your shopper uses a debit card.

Interchange rates vary based on the card issuer (Visa, MasterCard, etc.) and even vary based on the card type (corporate card, rewards card, etc.). For simplicity, we’ll use Visa’s average Interchange Rate for a retail charge as an example of how this works. On average, Visa charges the following for retail sales:

1.51% + $0.10 per transaction

Cayan (and similar processors) adds their Interchange-plus fee on top of Visa’s rate. Here’s how that translates to the final Interchange-plus rate that you pay:

Credit Card Sales with Cayan’s Interchange-plus Rates

For Credit Cards, Visa Charges: 1.51% + $0.10 per transaction	PLUS	Cayan Adds On: .50% & 15¢ per transaction
Final Interchange-plus Rate: 2.01% +  25¢ per transaction

Debit Card Sales with Cayan’s Interchange-plus Rates

For Debit Cards, Visa Charges: .05% + $0.21 per transaction	PLUS	Cayan Adds On: .50% & 15¢ per transaction
Final Interchange-plus Rate: .55% + .36¢ per transaction

If you charge approximately $10k per month in mobile or combined mobile, in-store, and online sales, you can save quite a bit in processing fees with this type of account. You can see this in the following comparison between Cayan’s rates and Square’s flat-fee structure.

Cost Comparison 1: Processing 120 Credit Card Sales Totaling $10,000

Now let’s look at an example with a higher number of sales, or transactions, for a business that sells high volumes of low-priced items.

Using:	Processing fee	Transaction Fee	Account fees	Total
Cayan & SwipeSimple 2.01% + 25¢ per transaction	$201	$30	$16.20	$247.20
Square 2.75% No transaction fee	$275	$0	$0	$275

Cost Comparison 2: Processing 800 Credit Card Sales Totaling $10,000

Using:	Processing fee	Transaction Fee	Monthly fee	Total
Cayan & SwipeSimple 2.01% + 25¢ per transaction	$201	$200	$16.20	$417.20
Square 2.75% No transaction fee	$275	$0	$0	$275

Per-transaction fees add up fast if you sell high volumes of low-priced goods. Here a flat-fee provider like Square can still be a better choice even at $10k per month. However, Cayan customizes rate plans so you might still get a lower rate or lower transaction fees. It never hurts to shop and compare all of your options if you sell in volume.

What You Can Do with Cayan & SwipeSimple

SwipeSimple is a very nifty mobile POS app with a number of helpful business management tools accessible from your mobile device or computer. Most notably for retailers, SwipeSimple even has a robust inventory management tool that tracks and adjusts quantities as you sell. Using the SwipeSimple app with Cayan for mobile credit card processing, you can:

• Accept Visa, MasterCard, Discover, and American Express
• Process physical magstripe and EMV chip cards
• Manually enter credit card numbers and process payments without a reader
• Receive and record cash and check payments
• Process payments in online and offline mode
• Capture e-signatures on screen
• Email or text receipts to customers
• Manage and track inventory items, variations, and quantities
• Sell items from your inventory or create custom charges
• Let customers add tips and even include recommendations on tickets
• Review sales transactions and process refunds
• Add and track sales taxes
• Export sales data to import into accounting systems
• Expand into in-store and online credit card processing as needed

What’s Missing from Cayan & SwipeSimple

SwipeSimple and Cayan cover just about every mobile credit card processing base with a few exceptions:

• Doesn’t Process AndroidPay and ApplePay Payments – The Cayan/SwipeSimple reader doesn’t yet support contactless eWallet “tap” payments.
• Not a Direct Service – SwipeSimple isn’t something you can sign-up for and then shop for merchant providers. Your credit card processor, like Cayan, provides it to you.
• Multiple User Accounts – If you want several staff members to be able to process mobile payments, you need to set up a multi-user account with your payments provider. Not a big issue but it adds another step.

If you want the option of having a traditional merchant services account with customized mobile credit card processing rates, Cayan with SwipeSimple is a slick solution. If you process less than $10k per month or sell high-volume, low-priced goods, Square’s no-transaction-fee model costs less. But at higher volumes, Cayan and SwipeSimple can do it all for less.

Visit Cayan

3. Shopify POS – Best Mobile Credit Card Processor for Multichannel Sellers

Shopify delivers a powerful mix of mobile, online, and in-store selling tools with every plan, starting at just $9/month. If you want to accept mobile credit card payments and also sell on your blog or an online store, on Amazon, and via social sites like Facebook and Pinterest, Shopify gets it all done with unmatched ease.

Shopify’s entry-level plan, Shopify Lite, gives you a full-featured mobile POS, sales and inventory management tools, shipping functions, several online selling options, and a Facebook shop integration, all for just $9/month. Plus, you can sign up and start accepting credit cards in minutes, get a free mobile reader, and enjoy competitive rates with no startup or cancellation fees. Find out what their users’ think by reading Shopify POS reviews.

Shopify POS Mobile Credit Card Processing Pricing

For our comparison of startup-friendly mobile credit card processing services, we’re featuring the entry-level Shopify Lite plan pricing below. With higher-level plans, your processing rates can drop as low as 2.4%, but these carry higher monthly fees. For more on that, see our article that compares all Shopify plans and pricing.

Shopify POS Mobile Credit Card Processing Fees & Credit Card Reader Price Chart

Mobile Credit Card Processing Fees via Shopify Payments	Swipe, chip or contactless payments	2.7%
	Online & manual-entry payments	2.9% + 30¢ per transaction
	Startup & monthly fees	$0/startup $9/month
Mobile Credit Card Readers Compatible with: Most Apple & Android devices, see all	Swipe & chip card reader	Free
	Swipe, chip & contactless reader Note! This reader works with iPad & iPhone only	$89

What You Can Do with Shopify POS

Shopify’s mobile credit card reader and the Shopify POS mobile app gives you payment processing, sales, and business management tools right on your phone or tablet. With Shopify POS, you can:

• Accept Visa, MasterCard, Discover, American Express, Apple Pay & Android Pay
• Process physical magstripe and EMV chip cards
• Process contactless credit card and eWallet payments
• Manually enter credit card numbers and process payments without a reader
• Access Shopify’s business, inventory, payment, and shipping management tools
• Take orders for products to ship at a later date, plus receive shipping discounts through Shopify Shipping
• Sell all or select products online, on a blog, or in a Facebook store
• Split payments and process refunds
• Apply coupons and promotional discounts on sales
• Email receipts to customers
• Sell items from inventory or create custom charges
• Email invoices and accept online invoice payments
• Add and track sales taxes
• Access excellent phone and chat support 24/7

Shopify POS is the mobile extension of Shopify’s industry-leading backend ecommerce store and order management system. Even with the $9/month Shopify Lite plan, you get access to powerful selling features like online and Facebook sales, shipping management, and inventory tracking. Shopify POS lets you easily extend your sales reach beyond in-person mobile credit card processing.

What’s Missing from Shopify POS

Shopify POS is a great choice for small businesses selling in mobile, in-store and online environments. But it’s very retail-oriented, which limits it for some uses. For example, it’s not a great choice for a cafe or eatery (try Square for that need). Plus we uncovered a few other shortcomings. These include:

• Limited Offline Processing Mode – You can record cash or check payments without a connection, but not process credit cards.
• Merchant Account Choice – You can use your own merchant account for online sales on Shopify, but for in-person selling, Shopify POS only works with Shopify Payments, which is Shopify’s all-in-one payment solution. So no rate-shopping here.
• No Tipping Features – Shopify is designed with retail in mind, so Shopify POS has no add-on tip features for bars or restaurant needs,
• Limited Users in Base Plan – To have multiple staff members process payments with multiple devices, you must add the Retail Package at $49/month.

Shopify’s monthly fee makes Shopify POS pricier than both Square and PayPal, but for multichannel sellers, the cost is worth the convenience. If you plan to sell both in-person and online, Shopify Lite is an ideal risk-free launchpad with competitive mobile credit card processing rates and a low monthly cost.

Visit Shopify

4. QuickBooks GoPayment – Best Mobile Credit Card Processor for QuickBooks Users

QuickBooks GoPayment is QuickBooks’ mobile credit card processing service that syncs your sales directly to both QuickBooks Online and desktop versions. If you use QuickBooks to operate your business, then using GoPayment for your mobile credit card processing keeps everything in one tidy package.

QuickBooks GoPayment actually works in 3 different ways:

1. Completely Standalone – You can use the GoPayment reader and mobile POS app as a completely standalone service even if you don’t use QuickBooks at all.
2. Sync with QuickBooks – You can use the GoPayment reader and mobile POS app to process credit cards and sync mobile sales to your QuickBooks Online or Desktop data.
3. As Part of QuickBooks Payments – You can add GoPayment mobile processing to QuickBooks’ complete credit card processing service, called QuickBooks Payments. With this option, you can get lower processing rates than GoPayment’s standalone fees, based on your overall charge volume.

Options 1 & 2 both operate under GoPayment’s flat-fee structure with no surprise or add-on fees. Since we’re focusing on mobile credit card processing services in this guide, those are the plans we’ll use for our price comparisons below.

However, if you need to process credit cards in many scenarios like a retail POS, mobile, and online, Option 3, QuickBooks Payments, can lower your overall rates. But you’ll see added fees for services like PCI compliance. If considering this route, you need to understand how credit card processing works with this type of merchant account and keep an eye out for added fees.

QuickBooks GoPayment Mobile Credit Card Processing Pricing

QuickBooks GoPayment mobile credit card processing offers 2 fixed-rate price plans. At a glance, GoPayment seems cheaper than other flat-rate options, like Square, but the 25¢ per-transaction fee quickly adds up in certain sales scenarios. We run the numbers for you below.

QuickBooks GoPayment Mobile Credit Card Processing Fees & Credit Card Reader Price Chart

Mobile Credit Card Processing Fees Via QuickBooks GoPayment	Type of charge	Plan 1	Plan 2
	Swipe and chip payments	2.4% + 25¢ per transaction	1.6% + 25¢ per transaction
	Online & manual-entry payments	3.4% + 25¢ per transaction	3.2% + 25¢ per transaction
	Startup & monthly fees	$0/startup $0/month	$0/startup $20/month
Mobile Credit Card Reader Compatible with: Most Apple & Android devices	Swipe & chip card reader	1 Free with account sign-up $30 per additional reader

GoPayment’s processing rates, especially for Plan 2 seem quite low, but the 25¢ fee adds up if you process many low-value transactions. Here’s a quick comparison of GoPayment’s plans compared to Square, which has no per-transaction fees on swipe sales.

Cost Comparison 1: Processing 120 Swipe Transactions totaling $5000 in sales

Using:	Processing fee	Transaction Fee	Monthly fee	Total
GoPayment Plan 1 2.4% + 25¢ per transaction	$120	$30	$0	$150
GoPayment Plan 2 1.6% + 25¢ per transaction	$80	$30	$20	$130
Square 2.75% No transaction fee	$137	$0	$0	$137

In the above scenario, GoPayments lower rate plan beats the others, even with the monthly fee. Now let’s look at an example with a higher number of sales, or transactions, for a business that sells a lot of low-priced items.

Cost Comparison 2: Processing 500 Swipe Transactions totaling $5000 in sales

Using:	Processing fee	Transaction Fee	Monthly fee	Total
GoPayment Plan 1 2.4% + 25¢ per transaction	$120	$125	$0	$245
GoPayment Plan 2 1.6% + 25¢ per transaction	$80	$125	$20	$225
Square 2.75% No transaction fee	$137	$0	$0	$137

Clearly, it pays to run the numbers and see which mobile credit card processing option works best for your specific selling needs. As table 2 shows, if you process a high number of low-value sales, the transaction fees add up fast! Here, Square’s no per-transaction fee setup is the far cheaper option.

What You Can Do with QuickBooks GoPayment

GoPayment’s mobile credit card reader and mobile POS app give you payment processing, sales tracking, and business management tools right on your phone or tablet, and all sales directly sync to your QuickBooks data. With QuickBooks GoPayments, you can:

• Accept Visa, MasterCard, Discover, and American Express
• Process physical magstripe and EMV chip cards
• Manually enter credit card numbers and process payments without a reader
• Use cell phone and tablet cameras to scan and process cards
• Capture e-signatures on screen
• Receive and record cash and check payments
• Seamlessly sync all mobile transactions to your QuickBooks data
• Sell items from your inventory list or create custom charges
• Let customers add tips
• Review sales transactions and process refunds
• Email receipts to customers
• Add and track sales taxes
• Add up to 50 users on one GoPayments account (additional readers cost $19/each)

What’s Missing from QuickBooks GoPayment

QuickBooks GoPayments mobile app has good reviews in the app stores, and its seamless sales integration with QuickBooks makes it a natural choice if you use QuickBooks to manage your business. But GoPayments is missing a few key features, including:

• Doesn’t Process AndroidPay and ApplePay Payments – GoPayments doesn’t have a contactless payments reader, so eWallet transactions are out.
• Limited Inventory Sync With QuickBooks – Users note that the inventory doesn’t fully sync all details with QuickBooks data. Items that have variations or attributes won’t adjust in your QuickBooks inventory numbers when sold.
• New Customer Creation – Users also report that the GoPayment app doesn’t pass new customer information to QuickBooks. New customers have to be added to QuickBooks manually.

Even with these shortcomings, GoPayments syncs more closely with QuickBooks data than other mobile payment integrations, so it can be the best fit for QuickBooks users that need mobile credit card processing.

Visit QuickBooks Payments

5. PayPal Here – Best Mobile Credit Card Processor for PayPal Users

Who PayPal Here is Best Suited for

PayPal Here is the logical mobile credit card processing choice for any business that already uses PayPal to accept online payments from a website, eBay, or for direct payments or online. It’s a good choice for businesses new to credit card processing, too, but Square offers a more robust set of free business management tools out-of-the-box.

That said, PayPal is widely recognized, so when buyers see the PayPal Here credit card reader, they know that their information is secured through PayPal’s PCI-compliant system. Plus, you can accept PayPal payments with PayPal Here, which is a nice selling feature. PayPal also deposits funds into your PayPal account immediately, not in 1 to 3 days like most other payment processors. Go here to read PayPal Here user reviews.

PayPal Here Mobile Credit Card Processing Pricing

You can add PayPal Here to any PayPal business account, including their free PayPal Starter account. So, new users can get started with PayPal Here with no startup or monthly fees.

PayPal Here Mobile Credit Card Processing Fees & Credit Card Reader Price Chart

Mobile Credit Card Processing Fees	Swipe, chip or contactless payments	2.7%
	Manual-entry payments	3.5% + 15¢ per transaction
	Startup or monthly fees	$0
Mobile Credit Card Readers Compatible with: Most Apple & Android devices See all compatible devices See all PayPal Here credit card readers	Magstripe reader	$14.99
	Chip & contactless reader	$59

What You Can Do with PayPal Here

PayPal accepts all major credit cards and eWallet payments and lets you do far more than that within your PayPal Here account, including:

• Let customers pay with their PayPal account or a credit card
• Receive money into your PayPal account immediately
• Accept Visa, MasterCard, Discover, American Express, Apple Pay & Android Pay
• Process physical magstripe and EMV chip cards
• Process contactless credit card and eWallet payments
• Manually enter credit card numbers and process payments without a reader
• Let multiple users enter and process payments from different devices
• Apply promotional discounts on sales
• Allow customers to add or adjust tips
• Email receipts to customers
• Use the PayPal Here mobile POS app to list items and track sales
• Sell items from your list or create custom charges
• Email invoices and accept online invoice payments
• Process refunds
• Add and track sales taxes

Being able to accept PayPal account payments for mobile selling is a nice plus, but where that really matters is in online sales. Many online shoppers prefer to pay with PayPal and accepting it can drive more online sales your way. Also, PayPal integrates with just about every ecommerce platform under the sun, so you have your pick when it comes to setting up an online store. If you want to use PayPal for online payments, PayPal Here is the natural mobile credit card processor for your business.

What’s Missing from PayPal Here

PayPal Here does a great job handling all sorts of mobile and online payments, but compared to other solutions, there are a few things that are missing. These include:

• No Offline Processing Mode – You can only process cards if you have a cell or wifi connection, this can be a major problem in some locations.
• Merchant Account Choice – Like Square, PayPal is it’s own credit card processor, you can’t use your own merchant account provider with PayPal Here.
• Limited Mobile App Features – You can list items that you sell and track sales, but there is no inventory tracking feature in the PayPal Here app. You can’t enter quantities in stock or set low inventory alerts for items on your list without the Shopventory add-on that costs $24/month.
• Limited In-Store Selling Features – If you want to expand into in-store selling, you really need a full POS system. For this, you’ll have to add a paid POS system that works with PayPal like Vend, TouchBistro, or other POS partners.

If you already accept PayPal, PayPal Here is likely the right mobile credit card processing choice for you. PayPal Here doesn’t have the seamless expandability of Square, but PayPal readily integrates with countless online and in-store selling other platforms. So if you do need to expand beyond mobile selling, you can certainly do that with PayPal, but be prepared for added costs.

Visit PayPal

The Bottom Line

If you’re new to accepting credit cards altogether, start by comparing Square, PayPal Here, and Shopify POS. All three handle mobile payments beautifully, but they differ in ways that matter depending on the direction you want your business to grow:

Square is a great mobile credit card processing choice for any startup or small business. It’s the ideal choice if you want to focus on in-person mobile and retail store sales, and even expand into online sales with a no-risk free online store. From the day you sign up, you can build your business right with an unmatched suite of business, point-of-sale, inventory management tools, all for free.

Visit Square

PayPal Here is ideal for those who want to be able to accept PayPal payments via mobile, along with credit cards and eWallet payments.

Shopify POS is the mobile credit card processing choice for the seller that has their sights set on any and all types of online selling through a website, blog, social sites like Facebook, Instagram and Pinterest, and marketplaces like Amazon.

Our other two mobile credit card processing contenders are geared for more established businesses:

QuickBooks GoPayment is a natural fit if you already use QuickBooks. Its built-in sync with your QuickBooks data can streamline many business management and bookkeeping tasks.

Cayan & SwipeSimple is a slick mobile business and payments solution that can help higher volume sellers really save on processing fees.

Visit Cayan

Do you process mobile credit card payments for some or all of your business needs? If so, who do you use, and how has that decision helps your business grow? Please share your thoughts insights in the comments below.