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Free Mobile Credit Card Processing Software

Last updated: March 2026

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18 software options

Helcim logo

Billing, Invoicing and Payment Processing with Helcim

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Free
Contact Helcim for pricing information. Helcim offers Better Pricing which means lower rates, no monthly fees, no contracts, volume discounts, and no hidden fees. No monthly fees. No setup fees. No cancellation fees. No PCI & non-compliance fees. No bank deposit fees. No customer service fees. Helcim also offers automatic volume discounts. The more you process, the more you save. Your pricing automatically updates based on your three-month processing average.

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SumUp logo

POS and payments processing software

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Free
IN PERSON- 2.6% + 10¢ per transaction + $69 for the SumUp EMV Reader ONLINE & MANUALLY ENTERED- 3.5% + 15¢ SUMUP INVOICING- 2.9% + 15¢

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Square Payments logo

Online payment processing for merchants & vendors

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Free
Per swipe/dip/tap: 2.6% + $.10 Keyed in: 3.5% + $.15 per transaction Online & invoices: 2.9% + $.30 per transaction Custom pricing packages are also available. Contact Square for more information.

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Cheddar Up logo

Secure Payment Processing + Custom Forms for Groups

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Free
Cheddar Up Basic Plan is FREE! Additional functionality included in our premium plans includes: - Accept eCheck in addition to credit cards and cash - Set start and stop times - Count-down timer - Discount Codes - Access Codes - Built-in Shipping - Visitor Reporting - Multiple item images -  Item Variations - Invite multiple managers - Control manager permissions - One-stop URL for all collecting - Share a public page with all collections - Account-wide reporting at a glance - Recurring Payments

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QuickBooks Money logo

Mobile credit card processor for vendors

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Free
Cards: 2.99% per transaction Digital wallets: 2.99% per transaction ACH bank payments: 1% per transaction

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Plaid logo

Platform that enables apps to connect with bank accounts

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Free
Contact Plaid for pricing information.

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Payzerware logo

Web based field management tool for contractors

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Free
A 14-day free trial is also available.

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Square Virtual Terminal logo

Payment processing tool for managing virtual transactions

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Free
Square Virtual Terminal charges a processing fee of 3.5% + 15¢ per transaction for typed-in payments & 2.6% + 10¢ per transaction for swiped payments.

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IntelliPay  logo

Electronic payment processing solution

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Free
Service Fee Plan: • For Government and Education • $0 per month for merchants • Variable fees to be paid by customer Convenience Fee Plan • For all merhants • Processing cost-reduction option • Must be for a non-traditional payment channel • Flat fee can be charged • $0 for using fee program Dual Pricing Plan • For all merchants • Reduces processing costs, encourages lower cost payments • Discount given for cash payments • Advertised price must luclude processing fees • $0 for using the fee program Additional fees may apply. Contact IntelliPay for full pricing details.

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Orcatec logo

Cloud-based field service management software

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Free
Orcatec pricing is based on the selected features. Contact Orcatec for pricing information

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Billdu logo

Billdu - fast and simple invoicing app for small businesses

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Free
4 pricing plans are available: - FREE - Expenses tracking, Instant Website - LITE - from $3.99 per month: Unlimited Invoices, 10 clients, Business Inbox, Invoice status tracking, Client signature - STANDARD - from $8.99 per month: All LITE Features, Unlimited estimates, appointments, 50 clients, 2 users, Payment reminders, Quote request, Website widget, Payment receipts - PREMIUM - from $16.99 per month: All STANDARD features, Unlimited clients, 10 users, 5 businesses, Online booking, Online store, Recurring invoices, High priority support, API

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Zeller logo

Cloud-based solution for financial management.

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Free
In Person Payments: -In person transaction fee 1.4% (For all cards incl. Amex) -Moto transaction fee 1.7% (Accept over-the-phone orders) -Zero cost EFTPOS 0% (Surcharge all or part of your transaction fee) -Monthly Terminal rental $0 (No monthly rental fees or hidden charges) Online Invoice Payments: -Transaction fee 1.7% +25cents (For domestic cards, with separate pricing for international cards.) -Subscription fees $0 (Free to use, with no monthly subscription fees.) -Payment links FREE (Send unlimited payment links via email or SMS.) -Settlement fees FREE (Fast nightly settlement your free Zeller Account.) Virtual Terminal Payments: -Transaction fee 1.75% +25cents (For domestic cards, with separate pricing for international cards.) -Subscription fees $0 (Free to use, with no monthly subscription fees.) -Payment links FREE (Send unlimited payment links via email or SMS.) -Settlement fees FREE (Fast nightly settlement your free Zeller Account.) Transaction Accounts -Zeller Transaction Account FREE (Transaction Accounts are free, with no recurring monthly fees.) -Minimum balance requirements $0 (No minimum monthly balance required.) -Account setup fees $0 (It's free to sign up for your Zeller Transaction Account.) -Transfer fees $0 (Free, unlimited real-time fund transfers.) Debit Cards: -Zeller Debit Card FREE (Free, unlimited physical business Debit Cards.) -Virtual cards FREE (Issue free, unlimited virtual business Debit Cards.) -Annual card fees $0 (No recurring annual fees or hidden charges.) -Transaction
fees $0 (Just a low FX margin on international purchases.) Corporate Cards: -Monthly card fee $9 (Try Zeller Corporate Cards free for 60 days from first card activation.) -Transaction fees $0 (Just a low FX margin on international purchases.) -Software fees $0 (No costly monthly expense management software fees.) -Report download fees $0 (Access spend reports from Zeller App or Dashboard.)

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RewardPay logo

Credit card processing and surcharging tool

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Free
Please contact Payroc directly for pricing information.

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MONEI logo

A payment gateway to accept payments online and offline

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Free
No setup fees, no monthly fees. You don’t sell, you don’t pay. Simple schema of fees: % over the total amount of the transaction and a small fixed fee per transaction, no matter how big is the amount. In the event of a refund, MONEI will return the entire transaction fees (percentage + fixed) There is a chargeback fee of €15, though this amount will be returned to you if the dispute is resolved in your favor.

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Pencil In logo

Appointment scheduling tool for small businesses

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Free
Pencil In offers a free trial for new users, after which the software is available across three pricing tiers. Pricing details are outlined below. Lite Plan: $0 Standard Plan: $8.49 per month Advanced Plan: $16.49 per month

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QuickBooks GoPayment logo

Mobile payment solution

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Extend logo

Spend management software for the banking sector

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Free
Please contact Extend for pricing details.

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PayXpress logo

Secure digital payment platform for eWallet & pre-paid cards

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Free
Pricing for PayXpress is based on number of processed transactions. Please contact PayXpert directly for more details.

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