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Top Rated Mobile Credit Card Processing Software with Point of Sale (POS) in 2026

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

Last updated: March 2026

A point of sale system enables businesses to accept payments, manage inventory, and generate reports using mobile devices. It allows transactions anywhere, integrates with websites, and provides a user-friendly experience for both vendors and customers. Our reviewers in mobile credit card processing software rated this feature as important.

3 Best Mobile Credit Card Processing Software with Point of Sale (POS)

  • Stripe
  • Square Payments
  • PayPal Zettle - Highest rated for point of sale (POS)

See other top Mobile Credit Card Processing products with point of sale (pos)

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 point of sale (pos), 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 point of sale (pos) 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 point of sale (pos) feature

Reviewers indicate that Stripe's point of sale (POS) service is fast, reliable, and efficient, with no chargebacks. They appreciate its compatibility with various devices, including Android, iOS, and Windows. Users find it convenient for in-person events and as a backup for online payment systems. While some mention that the interface could be more user-friendly, they value the detailed backend information and the better rates for POS transactions compared to online payments.
“I have had to use Stripe POS for the last 8 years, although it is not the easiest interface to use for a POS, it still functions quite well, and being able to see the back-end and the detail provided is fantastic.”
SW

Stephanie W.

District Youth President

“Out in person events may sell bonds on occasion and we did get the Stripe POS device to collect debit and credit transactions in person. It works perfectly.”
TW

Thomas W.

Technology Specialist

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
Electronic Payments4.5
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 point of sale (pos) feature

Reviewers appreciate Square Payments' point of sale (POS) for its ease of use, efficiency, and reliability. They find it quick and convenient for both small businesses and mobile events, with capabilities like tap, swipe, and QR code payments. Users highlight the customizable interface, simple setup, and the ability to track transactions and inventory. They also value the portability and remote payment options, though some mention occasional issues with card readers and the need for better customer support.
“We purchased a Square register for off-site events, all we need is power and either wifi or hotspot it from our mobile device. Inventory syncs between the Square app and our website, so we are never oversold! ”
MC

Mike C.

Sales

“I like the variety of options I can choose from as my POS. I can use tap, swipe, QR codes or my mobile device.”
Verified reviewer profile picture

Megan H.

Owner

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
Electronic Payments4.8
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)
learn more

User insights about the point of sale (pos) feature

Users find PayPal Zettle's point of sale (POS) system to be fast, convenient, and flexible, allowing payments via phone or tablet at various locations. They appreciate the integration with PayPal, which simplifies financial management and transactions. Reviewers highlight the ease of managing products and sales, the customizable reporting, and the enhanced security features. However, some users report occasional issues with the POS terminal and card reader connectivity, and a few customers had difficulties using the system.
“I can easily manage products and sales from a smartphone or tablet. I can accept payments on my phone with Tap to Pay, set up a card reader in minutes, or get the all-in-one portable Terminal which has the PayPal POS software built in.”
BI

Basma I.

Executive Secretary

“Being able to take payments both at our rescue facility AND when doing adoption events at other locations is a huge plus for us ”
TG

Tama G.

Treasurer/Secretary

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
Electronic Payments4.6
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 Point of Sale (POS) 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
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
Shopify POS logo

POS for unifying in-store & online sales

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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

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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
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
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

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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

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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

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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
Zeller logo

Cloud-based solution for financial management.

learn more
Zeller provides an all-in-one business financial solution combining EFTPOS terminals, transaction accounts, and business debit cards. The system features integrated payment processing with options for invoicing, virtual terminals, and tap-to-pay functionality through the Zeller App. Businesses can manage their finances through dedicated transaction and savings accounts while benefiting from round-the-clock customer support.

Read more about Zeller

Users also considered
RewardPay logo

Credit card processing and surcharging tool

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RewardPay is a surcharging program that enables businesses to reduce processing fees stemming from credit card transactions by adding a credit card fee to the total price that customers pay for a product or service. The platform offers full compliance with all major cards.

Read more about RewardPay

Users also considered
MONEI logo

A payment gateway to accept payments online and offline

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MONEI makes everything easy.

A payment gateway that allows you to accept payments either online and offline. MONEI can be integrated directly into your website or online store with just one simple line of code.

It’s the simplest and cheapest way to start making money on your site.

Read more about MONEI

Users also considered
TransNational Payments logo

Mobile credit card processing system with inventory tracking

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POS solution for small to mid-size businesses that can process credit card payments, manage inventory, and populate real-time sales reporting all on any mobile device. The system processes transactions through a NFC or EMV mobile swiper, which can be accessed via bluetooth or a headphone connector.

Read more about TransNational Payments

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 emphasize the convenience and necessity of accepting card payments, highlighting ease of use, speed, and broad acceptance of payment methods. 94% of reviewers rated this feature as important or highly important.
  • Mobile Access: Users value the ability to process payments anywhere, noting the convenience and flexibility it provides for mobile businesses and events. 93% of reviewers rated this feature as important or highly important.
  • Mobile Card Reader: Reviewers appreciate the portability and reliability of mobile card readers, emphasizing their importance for on-the-go transactions and ease of setup. 92% of reviewers rated this feature as important or highly important.
  • Electronic Payments: Users highlight the importance of electronic payments for modern businesses, citing ease of use, security, and the ability to process various payment methods. 91% of reviewers rated this feature as important or highly important.
  • Electronic Signature: Users appreciate electronic signatures for their convenience, legal compliance, and ability to ensure secure transactions, particularly in reducing paperwork. 81% of reviewers rated this feature as important or highly important.