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Christopher Ickes

iPad Credit Card Readers

5 Best Credit Card Readers for iPad

Wouldn’t it be great to easily accept credit card payments at a trade show? The iPad (and other smart devices) make it easy and affordable to do so.

Which is the Best Credit Card Reader for iPad?

Well, that depends on your particular needs. Small business? Large business? Need integration with a CRM or POS system? Let’s look at 5 Credit Card Readers for the iPad.

Intuit GoPayment

GoPayment iPad Credit Card Reader provides pricing options for small businesses as well as large. With 2 payment plans, GoPayment can be customized for your unique needs. Customers may feel more comfortable seeing the Intuit brand on a device that has yet to achieve mainstream acknowledgement.

App Cost: Free

Credit Card Reader Cost: Free

Monthly Fee: None for Pay-as-you-go; $12.95 for High Volume

Transaction Fee: Pay-as-you-go – 2.7% per swipe; manually entering credit cards are charged at 3.7%. High-volume –
1.7% per swipe; manually entering credit cards are charged at 2.7%.

Requirements for Approval: SSN, U.S. Based Bank Account, Date of Birth, U.S. Based Home Address. EIN and Merchant Bank Account info are optional. A credit check IS required.

POS: Allows for users to create items on their iPad.

CRM: Customer information is somewhat stored. Receipts are emailed or sent via SMS Text to customers. Can access recipient’s email or phone number after the transaction.

Website: Intuit GoPayment Credit Card reader

The Fine Print: Intuit offers a trusted brand name. The product integrates easily with QuickBooks. For many businesses, GoPayment is the choice.

Square

As an iPad Credit Card Reader, Square aims to be straightforward and easy to use. Fees are fixed and apparent.

App Cost: Free

Credit Card Reader Cost: Free

Monthly Fee: None

Transaction Fee: 2.75% per swipe; manually entering credit cards are charged at 3.5% + $0.15 per transaction.
Requirements for Approval: SSN, U.S. Based Bank Account, Date of Birth, U.S. Based Home Address. EIN and Merchant Bank Account info are optional. A credit check is NOT required.

POS: Allows for users to create items on their iPad.

CRM: Customer information is NOT stored. Receipts are emailed or sent via SMS Text to customers but customer information is NOT stored. Emails can be resent.

Website: Square Credit Card reader

The Fine Print: Square makes it simple and easy. Everything required is obvious. No hidden fees, no hidden print.

PayAnywhere

iPad Credit Card Reader PayAnywhere gets rid of the guessing. They eliminate many fees and offer a secure product.

App Cost: Free

Credit Card Reader Cost: Free

Monthly Fee: None

Transaction Fee: $0.19 + 2.69% per swipe; manually entering credit cards are charged at $0.19 + 3.49% per transaction.
Requirements for Approval: Unknown from their website but it appears as though users must set up a Merchant Account with North American Bancard meaning a credit check will most likely be required.

POS: Allows for users to create items on their iPad.

CRM: Customer email is stored. Receipts are emailed ONLY.

Website: PayAnywhere Credit Card reader

The Fine Print: PayAnywhere offers competitive pricing and a secure product. PayAnywhere.com is an excellent example of a great business website. In a simple manner, the site communicates features, pricing and FAQs in a way that is superior to the other iPad Credit Card Readers.

2 Other iPad Credit Card Readers

Based on current conditions, I believe PayAnywhere, GoPayment or Square will work for most businesses. Still, there are other options out there. Let’s look at 2 more with a quick summary and reason as to why they aren’t quite contenders. Disagree? Please let me know about it in the comments as I don’t have hands-on experience with all of these.

InnerFence

The good: A good looking device that offers great customer service. They excel in security and reliability.

The bad: The only issue with InnerFence is their complicated pricing structure. All accounts have a $25 per month fee plus a transaction charge of $0.24 plus 1.79% – 3.79% of the total sale. The additional transaction percentage is tiered based off of credit-worthiness. And don’t forget $25 for chargebacks. Lack of clarity in pricing is the ONLY reason I will be avoiding InnerFence.

Swipe by AppNinjas

The good: Good security including SSL encryption, keychain password protection, address verification (AVS) and CVV fraud detection.

The bad: The iPad Credit Card Reader is held back by the same convoluted pricing structure found at InnerFence. $24.95 per month plus $0.24 per transaction plus 1.79% – 3.79%. Ugh!

The Best iPad App for Swiping Credit Cards

I don’t think you can go wrong with PayAnywhere, Square or GoPayment. BUT, everyone has their own unique needs and experiences. What has happened, good or bad, in your experience with these iPad Credit Card Readers? Tell us about it in the comments.

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2 Comments

  1. Jill Mezger
    Posted March 13, 2012 at 8:21 am | Permalink

    LOVE “Square”. I have used this product for over a year. Other than an occasional communication glitch, it is awesome. I use it at a flea market to sell my goods, and have never had a negative issue with it. I hightly recommend it. Fast transfer into my bank account, usually within 24 hours.

  2. Carol
    Posted May 6, 2013 at 3:02 pm | Permalink

    I haven’t found an app that works well in high volume situations. All of these apps require you to enter a login id and password before each transaction, or at least each time the app times out. If you are processing many transactions each day, this is just impractical and time consuming.

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