The Ultimate Breakdown: Comparing Mobile Credit Card Readers

mobile credit card readers

Mobile credit card readers offer your business a convenient way to take credit card payments without investing in an expensive POS system. You can use devices you have on hand already, such as your smartphone or tablet, with a mobile app and card reader combination. Common B2B payment trends in credit card processing include mobile credit card readers and full-featured POS apps. If you don’t know which solution works best for your needs, this ultimate breakdown compares the top mobile credit card readers.


Square is one of the most established companies in the mobile payments space. Its small mobile card reader connects to the headphone jack in Android and iOS devices. Micro merchants and retailers who only use their mobile readers occasionally benefit the most from this product, due to the high flat fees charged per swipe. This payment processing method works with or without a connection, making it convenient for convention halls and other areas with poor connectivity.


Fattmerchant offers an EMV compliant mobile credit card reader ideal for merchants processing a higher volume (typically over $10,000 per month). You have access to 0% markup processing compared to companies offering high flat rate percentages. The Fatt Pay mobile application has a robust series of features outside of accepting EMV transactions such as sending invoices, accessing business analytics, setting up recurring payments, and pulling up saved customer data anywhere in the world, and much more. There are even inventory capabilities for restaurant/ bar and retail locations to replace a traditional POS solution. Fattmerchant’s mobile card reader solution works for every business type needing to accept payments on the go.


Do you run a handmade, antique or crafts supply business on Etsy? This marketplace has its own mobile credit card reader that helps you keep your offline sales in-sync with your Etsy store inventory and statistics. E-receipts promote your storefront and allow in-person buyers to leave reviews on the website. This option is best for Etsy users with low sales volume.

PayPal Here

PayPal expands its online payment service with two mobile credit card readers and a flat rate processing fee. The first reader connects to your device’s headphone jack and accepts swiped credit cards. The other option is a Bluetooth reader that’s EMV compliant and also accepts Apple Pay. Its app supports Windows, Android and iOS. You benefit the most from this service if you’re a low-volume merchant looking for a way to accept chip cards and be EMV compliant.


Shopify’s service helps micro-businesses set up e-commerce stores, and they’ve branched out into mobile credit card readers as well. Its card reader works with Android and iOS mobile devices through the audio jack. It uses the same payment processor as your online Shopify store, so you get the same flat rate percentages through both channels. If you already use the Shopify platform, and you have an occasional need for mobile payment process, you can get a lot out of this service.

Mobile credit card readers give your business a convenient, pay-anywhere option that customers enjoy. It’s important to keep in mind that the majority of mobile payment solutions cater to micro merchants/low volume merchants. Be sure to explore options such as Fattmerchant if you are a higher volume as the percentage markups most mobile payment solutions charge can seriously cut into your bottom line. You may take some time figuring out the best service for your unique business needs, but it’s worth the trouble to find a service capable of helping you grow your business.

Previous Post
Top 3 B2B Payment Trends
Next Post
What Is PCI Compliance?