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Top Rated Mobile Credit Card Processing Software with Electronic Payments in 2026

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Verified reviewer profile picture

All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: March 2026

Electronic payments enable businesses to accept various payment methods, both in-person and online, which enhances customer convenience and supports cashless transactions. They simplify payment processing, save time, and provide flexibility for recurring and remote payments. Our reviewers in mobile credit card processing software rated this feature as important.

3 Best Mobile Credit Card Processing Software with Electronic Payments

  • Stripe
  • Square Payments
  • PayPal Zettle - Highest rated for electronic payments

See other top Mobile Credit Card Processing products with electronic payments

How we picked the 3 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the mobile credit card processing software category. They also needed to have sufficient reviews about electronic payments, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for the product with the highest rating for electronic payments based on our proprietary ratings and reviews. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 3 best products

Stripe logo

Stripe

4.6
(3.2K)
visit website

User insights about the electronic payments feature

Reviewers highlight Stripe's effectiveness and reliability in processing electronic payments. They appreciate the ease of use, security, and the variety of payment methods supported, including ACH and card payments. Users find the system fast and convenient for both businesses and customers, with seamless integration into online stores and apps. They mention the importance of Stripe for e-commerce and subscription billing, noting its developer-friendly features and real-time reporting. Some users experience occasional connectivity issues, but overall, they value Stripe's role in facilitating efficient and secure electronic transactions.
“Stripe has Electronic Payment system like ACH because of which my clients can now send money directly through their bank account if they do not wish to use their cards.”
AA

Abhishek A.

CEO

“I love that Stripes e-Payments are instantaneous, and how developer-friendly it is to add payments to your app, and immediately support many options.”
Verified reviewer profile picture

Dylan C.

Software Developer

Mobile Credit Card Processing key features coverage

Stripe offers 3 out of the 5 key features for Mobile Credit Card Processing software identified by reviewers:

Credit Card Processing4.6
Mobile Access4.4
Mobile Card Reader
Point of Sale (POS)4.3
Electronic Signature

Pros and cons based on 3,293 verified reviews

74% of users rated Stripe 5 out of 5 stars, while 4% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 3,293 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Effortless integration process

Highly customizable user interface

Developer-friendly API

Seamless website integration

Robust security features

Cons:

Inefficient email communication

Inadequate fraud detection

Complicated refunds management

Challenging account management

Limited support services

See pros and cons details

Pricing

Free version:Not available|Free trial:Not available

Prices may vary depending on the number of users and features.

Square Payments logo
4.7
(2.6K)
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User insights about the electronic payments feature

Reviewers indicate that Square Payments offers a wide range of electronic payment options, including credit cards, PayPal, and mobile apps. Users report that the system is quick, adaptable, and easy to use for both in-person and online transactions. They appreciate the ability to save payment information for recurring customers and the seamless integration with websites. They find it helpful for businesses of all sizes, noting its security and ease of setup. Some users mention occasional delays and issues with equipment delivery, but overall, they find it reliable and efficient for processing electronic payments.
“Being able to use electronic payments in Square Payments makes it so much easier on myself. I am able to take payments in person and online to help accommodate my customers. I can save payment information for loyal and reoccurring customers”
Verified reviewer profile picture

Kalina B.

Freelance

“We love being able to offer our customers the ability to process our payments electronically. We used the Square website to enable this function. ”
CW

Christin W.

Wedding and Event Coordinator

Mobile Credit Card Processing key features coverage

Square Payments offers 5 out of the 5 key features for Mobile Credit Card Processing software identified by reviewers:

Credit Card Processing4.8
Mobile Access4.8
Mobile Card Reader4.6
Point of Sale (POS)4.7
Electronic Signature4.6

Pros and cons based on 2,662 verified reviews

76% of users rated Square Payments 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 2,662 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Quick and simple setup

Streamlined invoicing process

Effective money management

Efficient sales management

Seamless integration

Cons:

Frequent connection issues

High transaction fees

Unreliable reader connectivity

Card reader issues

Account management problems

See pros and cons details

Pricing

Free version:Available|Free trial:Not available

Prices may vary depending on the number of users and features.

PayPal Zettle logo
4.6
(2.2K)
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User insights about the electronic payments feature

Users report that PayPal Zettle is user-friendly and allows for quick and secure electronic payments. They appreciate the integration with PayPal and the ability to accept a wide range of cards, which enhances their professionalism. Reviewers indicate that the platform is flexible and portable, making it convenient for businesses on the go. They find the payment process simple and efficient, although some mention that the migration from older PayPal systems was challenging. Overall, they value the time-saving aspects and the consolidated account management.
“As a small business, it allows me to take a wide range of cards. Very few of my customers use cash and the Zettle machine also gives my customers confidence in my professionalism.”
MH

Mike H.

Owner

“Zettle is a cloud-based, app-driven POS system that lets you accept in-person and keyed-in card payments using PayPal.”
MI

Martinus I.

Freelancer

Mobile Credit Card Processing key features coverage

PayPal Zettle offers 5 out of the 5 key features for Mobile Credit Card Processing software identified by reviewers:

Credit Card Processing4.6
Mobile Access4.7
Mobile Card Reader4.5
Point of Sale (POS)4.4
Electronic Signature4.5

Pros and cons based on 2,290 verified reviews

70% of users rated PayPal Zettle 5 out of 5 stars, while 1% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 2,290 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Efficient invoicing tools

Secure online shopping

Robust security features

User-friendly navigation

Support for small businesses

Cons:

Connectivity issues

High transaction fees

Slow issue resolution

Account access problems

Slow processing speed

See pros and cons details

Pricing

Starting price:$0.01 |Free version:Not available|Free trial:Not available

Prices may vary depending on the number of users and features.

Other Top Rated Mobile Credit Card Processing Software with Electronic Payments in 2026

Stax logo

Stax

All-In-One Payment Processing Platform

visit website
Stax delivers seamless payment processing and scalable embedded payment solutions to SMBs, ISVs, and SaaS businesses.

Read more about Stax

Users also considered
Helcim logo

Helcim

Billing, Invoicing and Payment Processing with Helcim

visit website
Helcim enables credit card processing for your business, sign up with no commitments, contracts, or monthly fees. At Helcim, our goal is to provide small to medium sized businesses with the opportunity to accept credit card payments at affordable rates with industry-leading technology.

Read more about Helcim

Users also considered
Stripe logo

Stripe

Online payment processing for internet businesses

visit website
Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Read more about Stripe

Users also considered
SumUp logo

SumUp

POS and payments processing software

visit website
SumUp offers card readers and POS systems designed for small businesses across various industries. The platform provides comprehensive payment solutions including portable card readers, self-service kiosks, and invoicing capabilities. SumUp also features financial management tools such as business checking accounts and customer engagement options through gift cards and reward programs, all accessible through a single mobile application.

Read more about SumUp

Users also considered
SumUp Plus Card Reader logo

SumUp Plus Card Reader

Mobile- based smart card reader

visit website
Designed for businesses of all sizes, SumUp Plus Card Reader is a mobile-based card processing solution that helps accept and record payments over phone or via link anytime.

Read more about SumUp Plus Card Reader

Users also considered
Square Payments logo

Online payment processing for merchants & vendors

learn more
Accept every way your customers want to pay with Square Payments.

Read more about Square Payments

Users also considered
PayPal Point of Sale logo

Mobile point of sale software to process online payments

learn more
The PayPal Here app is a mobile point of sale (POS) software designed to help businesses securely process debit or credit card payments and generate invoices. The application enables retailers and manufacturers to create and organize product lists and add details including photos and descriptions.

Read more about PayPal Point of Sale

Users also considered
Circula logo

The first app, that combines expense management and Benefits

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Circula is an expense management and benefits administration software, that focuses strongly on the best possible user experience and guarantees compliance with European law standards.

Read more about Circula

Users also considered
Shopify POS logo

POS for unifying in-store & online sales

learn more
Shopify Point of Sale (POS) is a retail management system that integrates everything needed to run a successful brick-and-mortar or omnichannel business. The POS software and hardware work seamlessly together to streamline daily operations, from inventory management and staff controls to smooth checkout and detailed reporting.

Read more about Shopify POS

Users also considered
authorize.net logo

Payment processing across multiple channels

learn more
authorize.net supports payment processing by helping businesses accept credit card and eCheck payments online, in person, via mobile devices, and more. The product offers a range of features, including online payments, mobile point of sale, virtual point of sale, phone payments, eCheck payments, digital invoicing, and fraud protection. It provides account updater and recurring payments capabilities to help businesses manage payments.

Read more about authorize.net

Users also considered
Invoice2go logo

Create & send professional invoices across every device

learn more
Invoice2go is the all-in-one tool that helps you run your small business. Manage customer relationships, send invoices, accept payments, improve cash flow, create an online presence, and so much more. Start your free trial today!

Read more about Invoice2go

Users also considered
Cheddar Up logo

Secure Payment Processing + Custom Forms for Groups

learn more
Cheddar Up enables groups to process payments and information online – for free. Create custom forms to collect registrations, waivers with e-signatures, item variations, and more. Securely collect credit card or eCheck payments and track it all with streamlined reporting.

Read more about Cheddar Up

Users also considered
Heartland Payments+ logo

Payment processing software for hospitality sector

learn more
Heartland Payment Processing is a cloud-based solution that helps businesses in hospitality, medical, government and other sectors accept in-person and online payments via flexible methods, including credit or debit,EMV chip cards, digital wallets and more.

Read more about Heartland Payments+

Users also considered
CSG Forte logo

Payments management platform

learn more
CSG Forte provides a complete payments management platform that enables businesses to process transactions across multiple channels. The processor-agnostic solution supports online, in-person, phone, and mobile payments while offering features like account verification, dispute management, and revenue optimization. CSG Forte serves various industries including government, property management, healthcare, and retail with scalable solutions for businesses of all sizes.

Read more about CSG Forte

Users also considered
Payment Depot logo

The nation's only wholesale credit card processing rates

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The nation's only Credit Card Processor offering wholesale rates. Web API, Virtual Terminal, Recurring Billing, Tokenization/Encryption, Mobile card processing

Read more about Payment Depot

Users also considered
Plaid logo

Platform that enables apps to connect with bank accounts

learn more
Plaid is a technology platform which allows users to create connections between applications and bank accounts to authenticate accounts, check balances in real time, verify identities, validate income, pull transaction data, and verify borrower assets

Read more about Plaid

Users also considered
Payzerware logo

Web based field management tool for contractors

learn more
Payzerware provides service businesses with a cloud-based work management tool that enables contractors and technicians to manage back office and field operations across inbound call management, appointment scheduling, job reminders, dispatch, maintenance planning, invoicing and more

Read more about Payzerware

Users also considered
Finix logo

Payment processing solution for software platforms

learn more
Finix offers payment processing configurations to help software platforms build payment experience for their customers.

Read more about Finix

Users also considered
Square Virtual Terminal logo

Payment processing tool for managing virtual transactions

learn more
Square Virtual Terminal is a cloud-based software that helps businesses process and accept payments from multiple payment methods including cash, checks, gift cards and more. Managers can charge payments on customers' credit or debit cards and maintain a record of all payments in the database.

Read more about Square Virtual Terminal

Users also considered
360 Payments logo

Comprehensive business payment processing platform

learn more
360 Payments provides integrated payment processing solutions for businesses across various industries including automotive, medical, and dental sectors. The platform offers multiple payment options including text-to-pay, mobile payments, consumer financing, and business capital services. Their system integrates with existing business management software to streamline operations and improve efficiency for merchants of all sizes.

Read more about 360 Payments

Users also considered
IntelliPay logo

Electronic payment processing solution

learn more
IntelliPay is a cloud-based payment processing platform designed to help businesses process electronic payments with additional surcharges. Users can create payment pages and hosted web forms with custom data fields, logos, departments, disclaimers, and personalized branding.

Read more about IntelliPay

Users also considered
Adyen logo

International payment processing platform for businesses

learn more
Adyen is a payment processing platform designed for businesses of all sizes across multiple sectors and offers tools for accepting payments in multiple formats and optimizing growth.

Read more about Adyen

Users also considered
SimplyPayMe logo

Payment processing software for the financial sector

learn more
SimplyPayMe is a global provider of payment technology and infrastructure. Assisting banks, fintech, and other large organizations to serve sole trader and small business communities through modular, white-labeled mobile software.

Read more about SimplyPayMe

Users also considered
Orcatec logo

Cloud-based field service management software

learn more
Orcatec is a cloud-based field service management software designed to help businesses handle and streamline various administrative processes, such as dispatching, employee management, and more. Supervisors can schedule appointments on a calendar and color-code them according to requirements.

Read more about Orcatec

Users also considered
PaymentCloud logo

Credit card processing solution for eCommerce & retailers

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Mobile wireless credit card processing solutions for eCommerce, MOTO, and in-person swipe businesses. Our specialized training helps us set you up with support and tools to grow your business. Free cost comparison. Chargeback & fraud protection. 100+ integrations. Low risk & high risk support.

Read more about PaymentCloud

Users also considered

Key features for Mobile Credit Card Processing software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Credit Card Processing: Reviewers value the ability to accept various credit card payments quickly and securely, enhancing customer convenience and boosting sales. 94% of reviewers rated this feature as important or highly important.
  • Mobile Access: Users appreciate the flexibility to manage and process payments anywhere, making it essential for mobile businesses and on-the-go transactions. 93% of reviewers rated this feature as important or highly important.
  • Mobile Card Reader: Reviewers highlight the convenience of a portable card reader for easy, on-the-go payments, especially at events and mobile locations. 92% of reviewers rated this feature as important or highly important.
  • Point of Sale (POS): Reviewers recommend POS systems for their ease of use, inventory management, and seamless integration with online sales and mobile devices. 89% of reviewers rated this feature as important or highly important.
  • Electronic Signature: Users highlight the convenience of capturing electronic signatures for legal compliance and efficient payment processing, reducing the need for paper receipts. 81% of reviewers rated this feature as important or highly important.