The 16 best apps for accepting credit card payments on Android, iPhone

Cash App, Venmo, and Chime are just a few of the many apps that allow you to accept credit card payments on your Android or iPhone.

This article will introduce you to 16 of the best options, so you can choose the one that's right for your business.

App Logo Available On Reviews Downloads Features
1. Cash App Cash App Icon Android, iOS 4.8/5 104M+ Send and receive money instantly, Get instant discounts
2. Venmo Venmo Icon Android, iOS 4.9/5 55M+ Fast and secure payments, Social payment sharing, Rewards and cashback
3. Chime Chime Icon Android, iOS 4.8/5 25M+ Overdraft up to $200, No monthly fees, Get paid early
4. Square Point of Sale Square Point of Sale Icon Android, iOS 4.8/5 19M+ Accept all payments, Manage inventory, Track sales
5. Discover Mobile Discover Mobile Icon Android, iOS 4.9/5 13M+ Quick account access, Manage credit card account, Redeem rewards easily
6. SumUp SumUp Icon Android, iOS 4.7/5 12M+ Catálogo de productos, Seguimiento de ventas, Envío de enlaces de pago
7. Credit One Bank Mobile Credit One Bank Mobile Icon Android, iOS 4.7/5 10M+ Quick and secure sign-in, Real-time fraud alerts, Free monthly credit score
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1. Cash App

Cash App Icon

Send and receive money instantly, Get instant discounts


Cost: Cash App (Free), Cash App Plus ($2/month)

Cash App is a mobile payment service that allows users to send and receive money, make purchases, and invest in stocks and Bitcoin. It is a convenient and secure way to manage your finances, and it is accepted by millions of businesses worldwide. Cash App is available for both iOS and Android devices, and it is free to download and use.

To accept credit card payments with Cash App, you simply need to create a business account and link it to your bank account. Once you have done this, you can start accepting payments from your customers. Cash App charges a processing fee of 2.75% per transaction, but there are no monthly fees or other hidden costs.

Download:

Cash App - Send and receive money instantly, Get instant discounts
  • Tags:
  • Instant Money Transfer
  • Free Debit Card with Discounts
  • Free Tax Filing

Application information:

Downloads 100+ million
Features Send and receive money, buy and sell Bitcoin, invest in stocks, get paid early with direct deposit, and more.
Pros Easy to use, fast, and secure.
Cons Fees for certain transactions, limited customer support, and potential for fraud.

✨ Read more: app for contactless payment

2. Venmo

Venmo Icon

Fast and secure payments, Social payment sharing, Rewards and cashback


Cost: Venmo (Free), Venmo Premium ($4.99/month)

Venmo is a mobile payment service that allows users to send and receive money with friends, family, and businesses. It is a convenient and secure way to make payments, and it is widely accepted by businesses of all sizes. Venmo is available as an app for iOS and Android devices, and it can also be accessed through the Venmo website. To use Venmo, users must create an account and link it to a bank account or credit card. Once an account is created, users can send and receive money by entering the recipient's username, email address, or phone number. Venmo also offers a variety of features that make it easy to track and manage payments, such as the ability to create groups, split bills, and view transaction history.

Download:

Venmo - Fast and secure payments, Social payment sharing, Rewards and cashback
  • Tags:
  • Fast money transfer
  • Split payment requests
  • Venmo debit card

Application information:

Downloads 50+ million
Features Venmo is a mobile payment service that allows users to send and receive money, as well as split bills and make purchases.
Pros Venmo is easy to use, convenient, and secure.
Cons Venmo charges a fee for certain transactions, and users' data may be shared with third-party companies.

✨ Read more: app for checking bank balance

3. Chime

Chime Icon

Overdraft up to $200, No monthly fees, Get paid early


Cost: Basic (Free), Chime Pro ($10/month)

Chime is a mobile banking app that allows users to manage their finances, including accepting credit card payments. It offers a no-fee spending account with a debit card, fee-free overdraft, and early payday. Chime also allows users to send and receive money for free, and to deposit checks remotely. The app is available for both iOS and Android devices.

Download:

Chime - Overdraft up to $200, No monthly fees, Get paid early
  • Tags:
  • Overdraft up to $200 fee-free
  • Get paid up to 2 days early
  • No monthly fees‡

Application information:

Downloads 25,208,707
Features Chime offers a mobile banking app that provides fee-free overdraft, early payday, and no monthly fees.
Pros No monthly fees, fee-free overdraft, early payday.
Cons May not be available in all areas, may have lower FDIC insurance coverage than traditional banks.

✨ Read more: app for apple wallet

4. Square Point of Sale

Square Point of Sale Icon

Accept all payments, Manage inventory, Track sales


Cost: Free Plan ($0), Plus Plan ($60/month)

Square Point of Sale is a mobile app that allows businesses to accept credit card payments. It is a popular choice for small businesses because it is easy to use and affordable. The app can be downloaded for free from the App Store or Google Play. Once downloaded, businesses can create an account and start accepting payments. Square Point of Sale also offers a variety of features to help businesses manage their finances, such as sales tracking, inventory management, and employee management.

Download:

Square Point of Sale - Accept all payments, Manage inventory, Track sales
  • Tags:
  • Easy to use
  • Accept all payments
  • Free to use

Application information:

Downloads 18,815,085
Features Accept payments with a mobile POS & credit card reader. Track sales, inventory, and analytics. Manage your business from anywhere.
Pros Easy to use, affordable, reliable
Cons Some advanced features require a paid subscription, may not be suitable for all businesses

Comments and Reviews from users:

mike p: “App crashes after 5 seconds. I've cleared the cache, restarted it multiple times, and it still crashes every time. Says this app has a bug. Please wait for the developer to fix it. So I doubt I can trust this for future Vending opportunities. This is very, very disappointing. Edit: apparently there was a disruption to services today. So I'll change my rating from one star to four” – 4/5 in Play Store

Deborah Terry: “Too many bugs and crashes lately. Used to be affordable and reliable...but... over past year...especially few months...nothing but crashes and bugs at the most inconvenient of times. The fees are getting to be too high. The low fees were what once made this attractive for small businesses.” – 3/5 in Play Store

✨ Read more: app based credit card

5. Discover Mobile

Discover Mobile Icon

Quick account access, Manage credit card account, Redeem rewards easily


Cost: Discover Mobile (Free), Discover Mobile+ (Paid)

Discover Mobile is a convenient and secure way to manage your Discover account from anywhere. With the app, you can make payments, check your balance, view recent transactions, and more. You can also use the app to find nearby ATMs and branches, and to contact customer service. Discover Mobile is available for free on the App Store and Google Play.

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Download:

Discover Mobile - Quick account access, Manage credit card account, Redeem rewards easily
  • Tags:
  • Quick and secure access
  • Manage credit card account
  • Redeem rewards easily

Application information:

Downloads 10,000,000+
Features Manage your Discover account, make payments, track spending, and more.
Pros Easy to use, convenient, secure.
Cons Some users have reported issues with the app crashing or freezing.

Comments and Reviews from users:

A Google user: “I absolutely love this app! It's super smooth, does it's required job, and it's got everything covered. Keep up the good work people! Edit - I don't know since when, but the app does not exit at all. After logging out, it leads to the login screen, and on pressing the back button, the app does exit. I'll have to kill the app to get out.” – 3/5 in Play Store

Brooke Cline: “I feel like I have to constantly change my rating on this app due to things running smoothly and then not. The fingerprint option is no longer working (again) and a lot of times when I go in to pay it says this service is temporarily unavailable and won't let me. EDIT** Things are working great again. Fingerprint reader and always able to make a payment” – 4/5 in Play Store

✨ Read more: app based business bank account

6. SumUp

SumUp Icon

Catálogo de productos, Seguimiento de ventas, Envío de enlaces de pago


Cost: Free, Business (9)

SumUp is a mobile payment processing app that allows businesses to accept credit and debit card payments on their smartphones or tablets. The app is easy to use and set up, and it offers a variety of features, including the ability to track sales, issue refunds, and send invoices. SumUp charges a flat rate of 2.75% per transaction, and there are no monthly fees or contracts. The app is available for both iOS and Android devices.

Download:

SumUp - Catálogo de productos, Seguimiento de ventas, Envío de enlaces de pago
  • Tags:
  • Mobile Payments
  • Business management
  • Sales tracking

Application information:

Downloads 11,661,228
Features Accept payments from anywhere, send invoices and payment reminders, manage appointments and inventory.
Pros Reliable payment processing, easy to use interface, affordable
Cons May not have all the features of more expensive POS systems, limited integrations with other software.

Comments and Reviews from users:

Mark Bothwell: “I have tried several companies card readers and POS systems. The SumUp Pro reader is the most robust and reliable I have tried and the POS app has been stable and reliable. I have just two complaints. 1) clicking the "Sales" icon gives a total for the day's sales that often does not update until hours or even days later. 2) There is no option to make fractional charges for items that are sold by the pound, for example.” – 4/5 in Play Store

Doug Neil: “It was working fine and had an easy to use interface up till a few weeks ago. I just want to click once, then type in an amount and connect the card reader. Now I have to do Add or Add Item then more and more clicks to get the same thing. Took me a couple of weeks to get around the VAT selection thing every single payment. Whoever is in charge of your user experience needs a poke in the eye. How about a switch I can set that makes it work like it used to do?” – 2/5 in Play Store

7. Credit One Bank Mobile

Credit One Bank Mobile Icon

Quick and secure sign-in, Real-time fraud alerts, Free monthly credit score


Cost: Free, Paid (Not specified)

The Credit One Bank Mobile app is a convenient and secure way to manage your credit card account on the go. With this app, you can make payments, view your balance and transactions, and set up alerts. You can also access your FICO® Score and get personalized insights into your spending habits. The app is available for free on the App Store and Google Play.

Download:

Credit One Bank Mobile - Quick and secure sign-in, Real-time fraud alerts, Free monthly credit score
  • Tags:
  • Secure sign-in
  • Customized alerts
  • Reward tracking

Application information:

Downloads 9,623,173
Features Check your balance, view recent transactions, make payments, and more.
Pros Easy to use, convenient, secure.
Cons Some users have reported issues with the app crashing or freezing.

Comments and Reviews from users:

Trisha Woodward: “Negative first, I personally am annoyed by the double authentication process. HOWEVER....if you have multiple cards with this company... the app an AWESOME tool. You can switch between card accounts, get all messages in one place, see your credit score & payments are very easy to navigate once you have everything set up. Emailed verification of payments are almost immediate must of the time... no waiting for a receipt.” – 4/5 in Play Store

Adriana Acosta: “The app is ok except you can't reach anyone about balance/charge issues. The card will charge you $5 for "express payment", otherwise it takes weeks for the balance to reflect your payment. There was an error on a charge taken out 3x and almost 3 weeks later, even after the correction I have 0 in available credit, even though it should be almost $400. Just a pain to deal with.” – 2/5 in Play Store

8. PayPal Zettle

PayPal Zettle Icon

Accepts all payment types, No monthly or setup fees


Cost: Free, Plus (29)

PayPal Zettle is a free point of sale (POS) app that allows businesses to accept credit card payments on their mobile devices. The app is easy to use and set up, and it offers a variety of features to help businesses track their sales, manage their inventory, and grow their business. With Zettle, businesses can accept payments from all major credit cards, including Visa, Mastercard, American Express, and Discover. The app also offers a variety of features to help businesses track their sales, manage their inventory, and grow their business.

Download:

PayPal Zettle - Accepts all payment types, No monthly or setup fees
  • Tags:
  • Accepts all payments
  • No monthly fees‡
  • Easy-to-use interface

Application information:

Downloads 3,516,446
Features Accept all major credit and debit cards, as well as mobile payments like Apple Pay and Google Pay. Track sales, inventory, and customer data. Get insights into your business performance.
Pros Easy to use, affordable, and reliable.
Cons Some users have reported issues with customer service and integration with other software.

Comments and Reviews from users:

Darren Treinen: “Not sure why so many people are leaving negative reviews. Pretty straight forward system. Connected easily and handles transactions quickly. The only thing I'd like to see added is an item "quick add" feature for on-the-fly sales. A couple tips for users having trouble... Manual entry complaints: Go into settings and turn on manual entry. Receipt options: email, print and text options are all available after checkout. Partial refund options: not great but for partial ref, use the Zettle Go app” – 5/5 in Play Store

Shelby Parks: “Pretty decent little point of sale system that works great for me! The only improvement I would make to the app itself is that I wish there was a better way of sorting items I have for sale. (Ex: I sell lots of jewelry at different price points. It would be helpful to have a Folder option, where I could select Necklaces, for example, then be able to sort all of my necklace listings there.) When you have many items for sale, the tiles can get cluttered and it's hard to find what you need quickly.” – 4/5 in Play Store

9. PREMIER Credit Card

PREMIER Credit Card Icon

Check account balances, Make monthly payments, Lock or unlock card


Cost: Free (0.00), PREMIER Credit Card Premium (4.99)

Manage your PREMIER Bankcard Credit Card with ease using the PREMIER Credit Card app. With this app, you can securely access and manage your account anytime, anywhere. Check your balance, view recent transactions, make payments, and more, all at your fingertips. The app also provides convenient features like mobile check deposit, fraud alerts, and the ability to lock and unlock your card. Whether you're on the go or simply prefer the convenience of managing your finances on your mobile device, the PREMIER Credit Card app is the perfect tool for you.

Download:

PREMIER Credit Card - Check account balances, Make monthly payments, Lock or unlock card
  • Tags:
  • Secure account access
  • Free to use
  • 24/7 account monitoring

Application information:

Comments and Reviews from users:

Shawn Turillo: “OK card to rebuild credit. easy to use app, monthly service fees are higher than most. They are always late on reporting to the credit bureaus so be patient. 1 draw back on this card is that limit increase almost always does not exist. You will get an offer to apply for another card. So instead of paying $10.40 for service fees it is doubled. And you will have 2 accounts instead of just one. This option could benefit you as I think that they would report 2 times to the credit bureaus.” – 3/5 in Play Store

Paul: “They offer very high fees and interest, but I give them four stars because they gave me a credit limit needed to re-establish or start building my credit score to the good range. learn their fundamental rules and pay on time always, and payoff balance every month if possible or use no more than 33% of credit limit, and watch your credit score climb to new heights. All the best.” – 4/5 in Play Store

10. One — Mobile Banking

One — Mobile Banking Icon

Up to 5% cash back, 3% cash back at Walmart, High-yield Savings


Cost: Free, Premium (9.99)

One — Mobile Banking is a mobile banking app that allows users to manage their finances, including sending and receiving money, depositing checks, and paying bills. The app also offers a variety of features for businesses, including the ability to accept credit card payments.

To accept credit card payments with One — Mobile Banking, businesses simply need to create a merchant account and then add a payment button to their website or social media pages. Customers can then click on the button to pay for goods or services using their credit card.

One — Mobile Banking charges a processing fee of 2.9% + $0.30 per transaction. However, businesses can save money by signing up for a monthly subscription plan, which starts at $19.99 per month.

Download:

One — Mobile Banking - Up to 5% cash back, 3% cash back at Walmart, High-yield Savings
  • Tags:
  • High-yield savings
  • Early Pay
  • Debit Rewards

Application information:

Downloads 2,244,355
Features One combines a high-yield Savings account with a debit card that gives you up to 10% cash back, and a checking account that pays you up to 3% APY.
Pros High-yield Savings account, debit card with up to 10% cash back, checking account with up to 3% APY.
Cons Only available in the US, $10 monthly fee if you don't make a direct deposit of $500 or more each month.

11. Payanywhere

Payanywhere Icon

Accepts all payment types, Low rates and fast funding


Cost: Free (0.00), Premium (29.99)

Payanywhere is a free point-of-sale (POS) app that lets you accept all types of payments, including credit cards, debit cards, gift cards, and contactless payments. It's easy to use and set up, and it comes with a variety of features to help you manage your business, including inventory tracking, reporting, and customer management. Payanywhere is a great option for small businesses and entrepreneurs who are looking for a reliable and affordable way to accept payments.

Download:

Payanywhere - Accepts all payment types, Low rates and fast funding
  • Tags:
  • Mobile Payments
  • EMV chip card reader
  • Contactless payments

Application information:

Downloads 877,095
Features -Free point-of-sale (POS) app for small businesses to accept all types of payments, manage inventory, track sales, and more.
Pros User-friendly interface; accepts all major payment types; offers free point of sale app; provides detailed sales and inventory reports.
Cons May not have all the features of more expensive POS systems; requires merchant account with North American Bancard to use; some users have reported issues with customer service.

Comments and Reviews from users:

Siobhan Lane: “I really like Payanywhere! The price is the best we found when looking for credit processing services back in 2016. Since then there have been growing pains, but the customer service is good and any issue has been resolved for me in the end. There are usually some hiccups when an update occurs, but that is true with every other system I've ever worked with. Now, the processing is fast, the app remembers customers information after it's been put in, and the inventory is completely customizable. I should mention I do less than $25000 a year in sales. It may be different for businesses with much higher sales.” – 5/5 in Play Store

Chris Thompson DC: “I 've been using the app daily for a year and half. I have had minimal problems with it. as other people have stated that when updates come out you have to do them then, but these updates are mostly security updates so it is keeping your money safe. everybody likes that. The amount of time to download the update has always been a min or two at most, but your connection speed may vary. Most of the time it will remember previous customers emails. I get several customers that comment on the fact that it is bluetooth and ask where to get one. I recommend getting a unit !” – 5/5 in Play Store

12. Credit Card Manager

Credit Card Manager Icon

Works offline, Due date reminders, No online account needed


Cost: Free, Pro (4.99)

Credit Card Manager is the most complete and easy-to-use credit card manager on the planet. With Credit Card Manager, you can track all of your credit cards in one place, view your balances and transactions, and make payments. You can also set up budgets and reminders, and get alerts when your balances are getting low. Credit Card Manager is the perfect way to take control of your credit cards and improve your financial health.

Download:

Credit Card Manager - Works offline, Due date reminders, No online account needed
  • Tags:
  • Offline credit card manager
  • No account or login required
  • Due date reminders

Application information:

Downloads 689583
Features Track all of your credit card balances, due dates, and spending in one place, making it easier than ever to stay on top of your finances and avoid late fees and interest charges.
Pros Easy to use, Comprehensive, Helps you save money.
Cons Not available for iOS devices, Lacks some advanced features that some users may need.

Comments and Reviews from users:

A Google user: “If you're looking for a simple but very effective expense tracking app, this is the perfect one for you. I've been on the lookout for a simple credit card expense manager for months. I tried all the big apps, recommended by Google and by the internet but it didn't suit with my needs. It was a boon to stumble upon this app. It manages all your credit card expenses. It doesn't require you to manage your savings/salary on it too. Only credit card expenses. And it's very good at it.” – 5/5 in Play Store

A Google user: “I wanted a simple way to keep up with my credit card. This app is great. Instructions are sparse, but the interface is pretty simple. 1. You can add as many credit cards as you want. 2. Explore the transaction screen icons. The account total can be switched between calendar Month and statement month. 3. IMO, the pro version is worth the money. The developer deserve it and the added functions are handy. 4. I also set up a debit card account. Money in the account shows as a negative number.” – 5/5 in Play Store

13. Charge for Stripe Card Payment

Charge for Stripe Card Payment Icon

Stripe Verified Partner, Accept Google Pay & Apple Pay


Cost: Free (0.00), Pro (19.99)

Accept credit card payments securely and efficiently with Charge for Stripe Card Payment, a reliable mobile payment app. This Stripe-verified partner enables you to process transactions directly on your phone, eliminating the need for additional hardware. With its user-friendly interface and competitive rates, you can easily manage your payments, track sales, and provide receipts to customers. Ideal for small businesses, freelancers, and anyone on the go, Charge for Stripe Card Payment offers a seamless and secure payment solution.

Download:

Charge for Stripe Card Payment - Stripe Verified Partner, Accept Google Pay & Apple Pay
  • Tags:
  • Secure Card Payments
  • Stripe Verified Partner
  • Google Pay & Apple Pay

Application information:

Downloads 190234
Features Accept Payments Directly On Your Phone With Low Fees. Stripe Verified Partner!
Pros Quick and easy to set up and use. Secure and PCI compliant.
Cons May not be suitable for businesses with high transaction volumes. Some users have reported issues with customer support.

Comments and Reviews from users:

A Google user: “Unfortunately the NFC is not working (Samsung Note 8) and the take photo of card option results in an invalid card prompt. Tried it with multiple cards but never worked. Inputting the card does work but would rather have the option to at least take the photo of the card and capturing the number that way. I did send an email to the support team. Hopefully they can fix this or let me know what I am doing wrong.” – 3/5 in Play Store

A Google user: “very disappointed did not expect to get charged for the app.... please refund app as i am uninstalling. there are other apps out there that do the same thing without the sneaky charge. I am talking about the $6 "pro version" fee. never mind... I can see why.... multiple stripe accounts.” – 4/5 in Play Store

14. Paid

Paid Icon

Accept contactless payments, No extra hardware needed


Cost: Free (0.00), Paid (4.99)

Paid is a mobile app that allows businesses to accept credit card payments. It is a simple and secure way to take payments on the go, and it integrates with Stripe to make it easy to manage your finances. With Paid, you can:

  • Accept credit cards and debit cards
  • Send invoices and receipts
  • Track your sales and payments
  • Manage your customer data

Paid is a great option for businesses of all sizes, and it is especially well-suited for businesses that are on the go. It is easy to use and affordable, and it can help you to streamline your payment process.

Download:

Paid - Accept contactless payments, No extra hardware needed
  • Tags:
  • Contactless payments
  • No Extra Hardware*
  • Easy to use

Application information:

Downloads 35247
Features Easily take payments from your clients on your mobile phone by sending them an invoice via email or text.
Pros Easy to set up. Simple to use. Fast and efficient support.
Cons The app is battery intensive. Not compatible with all devices.

Comments and Reviews from users:

Stephanie Gregoriadou: “Very straightforward to use. Easy way for accepting card payments on the go.” – 5/5 in Play Store

Marios Yerou: “Easy to use app, makes a transaction much quicker and simpler than it usually is” – 5/5 in Play Store

15. SimplyPayMe

SimplyPayMe Icon

Accept contactless payments, Low transaction fees, Extensive small business features


Cost: Free, Premium (29)

SimplyPayMe is a mobile payment app that allows businesses to accept debit and credit card payments anywhere. It's easy to use and set up, and it comes with a variety of features to help businesses manage and grow their operations. With SimplyPayMe, businesses can:

  • Accept payments from all major credit and debit cards
  • Send invoices and track payments
  • Manage customer information
  • Get real-time sales reports
  • And much more!

SimplyPayMe is the perfect solution for businesses of all sizes. It's affordable, easy to use, and it can help businesses save time and money.

Download:

SimplyPayMe - Accept contactless payments, Low transaction fees, Extensive small business features
  • Tags:
  • Contactless payments
  • Business management tools
  • Low transaction fees

Application information:

Downloads 19297
Features Sell anywhere with in-person payments, invoices, and your online store. Manage your business on-the-go from the SimplyPayMe mobile app.
Pros Easy to use, affordable, great customer support
Cons Some features are only available on paid plans, may not be suitable for high-volume businesses

Comments and Reviews from users:

Seanda Dailey: “The SPM team has been amazing at teaching me how to use this system and assist me with any questions and have been kind,helpful and professional. I would recommend them time and time again to anyone. Thank you SPM Team” – 5/5 in Play Store

RANDY PARSON JR. (The Truckabay Group): “As independent logistic contractor, time is of the essence and some invoice can't be rendered in full detail. SimplyPayMe allows me to receive payment on invoices that I can later send to clients with complete details.” – 5/5 in Play Store

16. Cardless

Cardless Icon

Mobile access to credit cards, Enhanced security with biometrics


Cost: Free, Premium (4.99)

Cardless is a mobile app that allows businesses to accept credit card payments without the need for a physical card reader. The app uses the phone's camera to scan the customer's credit card, and then processes the payment through a secure payment gateway. Cardless is a convenient and affordable way for businesses to accept credit card payments, and it can help to increase sales by making it easier for customers to pay. The app is available for both iOS and Android devices, and it is free to download and use.

Download:

Cardless - Mobile access to credit cards, Enhanced security with biometrics
  • Tags:
  • Secure and transparent
  • Easy credit card management
  • Real-time notifications

Application information:

Downloads 100K+
Features Cardless provides mobile access to credit cards from your favorite brands, allowing you to make purchases, track spending, and manage your account on the go.
Pros Convenient, secure, easy to use, rewards and benefits tracking, multiple card management.
Cons Limited card availability, potential fees for certain transactions, app issues and glitches reported by some users.