Square Reader for magstripe (USB-C)
4.6Editor score
Accepts magnetic stripe cards
Fast next day payouts
Free POS app included
In this guide
Accepting payments on the go is essential for modern small businesses and mobile vendors. A reliable credit card reader for phones allows you to process transactions securely using your smartphone or tablet device.
We compared ten top-rated mobile card readers based on connectivity, security features, and overall usability. Each product was evaluated to ensure it meets the demands of various business types and environments.
Each pick highlights key strengths and potential limitations to guide your decision. Please note that product availability and pricing may change over time so verify details before purchasing.
Top 3 Picks for Best Credit Card Readers for Phones
Square Reader for contactless and chip (2nd Generation)
4.5Editor score
Supports tap and dip
Enhanced security features
Offline payment capability
Clover GO (3rd Generation)
5.0Editor score
Full touch screen interface
Bluetooth wireless connectivity
Advanced employee permissions
Top 10 Best Credit Card Readers for Phones in 2026 Compared
The following table provides a side-by-side comparison of all ten selected credit card readers. Use this overview to quickly identify key specifications and features for each model.
ProductsSpecificationsEditor scorePrice
Best Budget
Square Reader for magstripe (USB-C)
USB-C connectivity
Magnetic stripe only
Next day funding
Free software app
4.6Editor score
Editor's Choice
Square Reader for contactless and chip (2nd Generation)
Contactless and chip
Extended battery life
Offline payments support
Enhanced encryption
4.5Editor score
Best Premium
2-in-1 Smart Card Reader with NFC
CAC and PIV support
USB-A and USB-C
Windows Mac Linux OS
Plug and play
4.3Editor score
Clover GO (3rd Generation)
Bluetooth connection
Custom tax rates
Paperless receipts
Employee permissions
5.0Editor score
Square Terminal
All in one device
Built-in printer
All day battery
Chip card ready
4.5Editor score
SumUp Plus Card Reader
Bluetooth NFC reader
Free SumUp app
Low transaction fees
No hidden fees
3.8Editor score
SumUp Solo Credit Card Payment Card Reader
Full touch screen
Free SIM included
Charging station
Reliable Wi-Fi
3.5Editor score
Clover GO (Newest Model)
Bluetooth connectivity
Powering POS required
Multiple tax rates
Text receipts
3.6Editor score
Clover Go Contactless Reader
EMV chip ready
Contactless payment
iOS and Android
Limited quantities
4.0Editor score
Clover Go Bluetooth Reader (3rd Gen)
End to end security
Any Clover account
Custom tax rules
Mobile payment
3.6Editor score
1. Square Reader for contactless and chip – Best Overall Credit Card Reader
Square Reader for contactless and chip (2nd Generation)
Contactless payments supported
Chip card reader
Extended battery life
Offline mode enabled
The Square Reader for contactless and chip is a versatile tool for mobile merchants seeking reliability. It holds a strong rating and offers comprehensive payment acceptance capabilities.
Pros
- Accepts tap and dip
- No monthly fees
- Secure encryption
- Easy setup process
- Offline payment support
Cons
- Requires Square account
- Bluetooth pairing needed
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This device accepts contactless payments and chip cards with improved connectivity. Enhanced security features protect data during transactions without extra cost to users.
While it requires a Square account the lack of monthly fees is a significant benefit. Offline payment capabilities ensure you can continue taking payments when internet is unavailable.
Ideal for businesses needing modern payment options without contracts. It balances cost and functionality effectively for most small vendors.
Enhanced Security Protocols
Advanced encryption keeps customer data safe during every transaction processed through the device.
Offline Payment Capability
Continue accepting payments for up to twenty four hours without an active internet connection.
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2. Square Reader for magstripe – Best Budget Credit Card Reader
Square Reader for magstripe (USB-C)
USB-C connection
Magnetic stripe only
Next day funding
Free software included
This compact reader offers an affordable way to start accepting payments using magnetic stripe cards. It is highly rated for its simplicity and fast payout structure.
Pros
- Affordable entry price
- Fast payout times
- No long-term contracts
- Free point of sale app
- Quick setup process
Cons
- No chip card support
- Requires specific port
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Users benefit from next day funding and a free point of sale app. There are no long-term commitments required to use the system effectively.
The lack of chip card support limits acceptance to older card types. However for the low cost makes it accessible for budget-conscious sellers.
Best for casual sellers who need a simple solution quickly. Verify your device has a USB-C port before purchasing.
Fast Payout Structure
Receive your earnings as soon as the next business day after processing transactions.
Free Management Tools
Track sales and manage inventory using the included free point of sale application.
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3. Clover GO (3rd Gen) – Best Premium Credit Card Reader
Clover GO (3rd Generation)
Full touch screen
Bluetooth wireless
Custom tax rates
Employee permissions
The Clover GO stands out with a full touch screen interface and robust management features. It receives perfect scores for its ease of use and security.
Pros
- Intuitive interface
- Paperless receipts
- Custom tax settings
- Secure transactions
- Manage employee access
Cons
- Requires SwyftPAY
- Higher initial cost
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Custom tax rates and paperless receipts improve operational efficiency. Employee permissions allow owners to control access levels within the business.
Requires processing through SwyftPAY which may not suit all merchants. The cost is higher but the features justify the investment for growing businesses.
Recommended for businesses needing detailed management controls. Ensure you meet the processing requirement before ordering.
Advanced Management Features
Control employee access and create custom tax rules directly from the mobile interface.
Secure Transaction Processing
End to end security protects customer and business data throughout the entire payment flow.
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4. Clover GO (Newest Model) – Versatile Credit Card Reader
Clover GO (Newest Model)
Bluetooth connection
Powering POS required
Custom tax rates
Text receipts
This newer model offers similar features to the previous generation with updated design elements. It allows wireless pairing and customizable business settings.
Pros
- Wireless pairing
- Customizable tax settings
- Digital receipts
- Secure payments
- Compact design
Cons
- Requires specific processor
- Lower user ratings
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Businesses can set custom tax rates and send receipts via text. The secure connection ensures data protection during transactions.
Limited to specific processing partners which may reduce flexibility for some users. Ratings are lower compared to competing brands in the market.
Consider this if you already use Powering POS services. Otherwise explore more compatible alternatives for broader acceptance.
Text Receipt Options
Send receipts directly to customer phones for faster and more eco-friendly transactions.
Wireless Connectivity
Connects via Bluetooth for flexible use anywhere your phone signal reaches.
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5. Square Terminal – All-in-One Credit Card Reader
Square Terminal
Built-in printer
All day battery
Accepts all cards
Chip card processing
The Square Terminal is a standalone device that rings up sales and prints receipts. It is designed for counter use or mobile transactions.
Pros
- Standalone device
- Built-in receipt printer
- Long battery life
- No hidden fees
- Quick chip processing
Cons
- Higher cost
- Requires Square account
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Process chip cards quickly and pay one low rate with no contracts. The battery lasts all day ensuring uninterrupted operation during shifts.
While it costs more than dongles it eliminates the need for a separate phone. It suits businesses wanting a dedicated point of sale station.
Ideal for established shops needing reliable hardware. Ensure you have space for the terminal in your setup.
All Day Battery Life
Use the built-in battery to keep working throughout long business days without charging.
Fast Chip Processing
Process chip cards in seconds to reduce wait times during busy periods.
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6. SumUp Plus – Reliable Credit Card Reader
SumUp Plus Card Reader
Bluetooth NFC support
Free SumUp app
Low transaction fees
No monthly contracts
SumUp Plus offers a straightforward solution for mobile payments using Bluetooth technology. It accepts major cards without requiring a subscription.
Pros
- Affordable pricing
- No monthly fees
- Bluetooth connectivity
- Accepts major cards
- Simple setup
Cons
- Lower user satisfaction
- Limited features
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Users enjoy low transaction fees and a free app to manage sales. The device works anytime and anywhere for flexible business operations.
Ratings are moderate compared to competitors which may impact confidence. It is a decent option but verify transaction details before committing.
Suitable for vendors who want a basic reader without extra costs. Check reviews thoroughly to align with expectations.
Simple Transaction Model
Pay a flat rate per transaction with no hidden or monthly fees charged.
Free App Integration
Manage all transactions through the free SumUp application on your mobile device.
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7. SumUp Solo – Standalone Credit Card Reader
SumUp Solo Credit Card Payment Card Reader
Full touch screen
Free SIM included
Mobile data
Battery plus charger
The SumUp Solo is a standalone device with a touch screen and included SIM. It operates independently of a phone for true mobility.
Pros
- Independent device
- Integrated mobile data
- Intuitive interface
- Charging station
- US-based support
Cons
- Lower ratings
- Requires registration
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Strong Wi-Fi and mobile data connections ensure you can process payments anywhere. A charging station extends usage time significantly.
US-based support is available for troubleshooting. However user satisfaction ratings are below average compared to other market leaders.
Good for those wanting a phone-free solution. Compare total costs before purchasing to ensure value.
Integrated Mobile Data
Process payments anywhere thanks to the included free SIM card and mobile data.
Reliable Support
Access US-based support via phone or email whenever assistance is needed.
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8. 2-in-1 Smart Card Reader – Specialized Credit Card Reader
2-in-1 Smart Card Reader with NFC
CAC and PIV support
USB-A USB-C ports
Windows Mac OS Linux
Plug and play
This reader is designed for secure identification and banking needs. It supports military IDs and CAC cards alongside standard credit cards.
Pros
- Multi OS compatible
- Supports government cards
- Plug and play
- Durable design
- No drivers needed
Cons
- Specialized use case
- No health cards
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Compatible with Windows Mac and Android without needing drivers. It features a reinforced cable for daily professional use.
It does not support health insurance cards which limits some healthcare applications. Ensure your requirements match its specific capabilities.
Best for government or field professionals needing secure access. Verify system compatibility before purchase.
Government Authentication
Supports CAC and PIV standards for secure identity verification tasks.
Universal Connectivity
Features dual USB-A and USB-C heads to fit most device ports easily.
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9. Clover Go Contactless Reader – Legacy Credit Card Reader
Clover Go Contactless Reader
EMV chip ready
Contactless payments
iOS and Android
Limited availability
This device allows contactless and chip payments without a merchant account. It is compatible with both iOS and Android smartphones.
Pros
- Chip card support
- No merchant account
- Dual OS support
- Compact design
- Contactless ready
Cons
- End of life
- Limited stock
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Quantities are limited as this version may be end of life. Orders might be fulfilled with a newer model instead.
While useful for basic contactless needs availability is not guaranteed. Check current stock before relying on this specific model.
Consider it only if contactless is your main priority. Otherwise opt for a newer generation for support.
Contactless Capability
Accept tap to pay payments for faster and convenient transactions.
No Merchant Account
Start accepting payments without needing a traditional merchant bank account.
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10. Clover Go Bluetooth Reader – Basic Credit Card Reader
Clover Go Bluetooth Reader (3rd Gen)
End to end security
Any Clover account
Custom tax rules
Mobile payment
The third generation Bluetooth reader offers secure payments with tax customization. It works with any existing Clover account for integration.
Pros
- Secure processing
- Tax customization
- Clover account friendly
- Compact size
- No merchant account
Cons
- Lower ratings
- Limited features
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It supports custom tax rules to simplify your billing process. However user satisfaction ratings are lower than other top options.
Basic functionality makes it suitable for simple needs. Ensure the tax features meet your business requirements.
Best for those already invested in the Clover ecosystem. Compare features before buying.
Flexible Tax Rules
Set custom percentage amounts for taxes to match your selling needs.
Secure Data Flow
End to end security protects all transaction data between card and merchant.
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Buying Guide – How to Choose the Best Credit Card Readers for Phones
Choosing the right mobile card reader involves evaluating connectivity options, security, and fees to match your business needs.
Connectivity Type
Readers connect via Bluetooth or physical ports like USB-C or Lightning. Bluetooth offers flexibility while wired connections ensure stability.
Choose Bluetooth for mobile versatility or wired for consistent desktop integration.
Payment Methods
Ensure the reader accepts the payment types your customers use such as chip cards contactless or magnetic stripes.
Modern readers supporting chip and contactless provide broader acceptance for most businesses.
Fees and Costs
Compare transaction fees and hardware costs. Some readers have higher upfront costs but lower processing fees over time.
Look for transparent pricing without hidden monthly subscriptions.
Security Features
Security is critical for protecting customer data. Look for end-to-end encryption and compliance with card industry standards.
Choose devices that offer built-in fraud prevention and secure data handling.
Battery Life
Battery powered readers allow you to work anywhere without being tethered. Check battery capacity for your typical shifts.
Long battery life ensures uninterrupted sales throughout busy days.
Software Ecosystem
The companion app should offer inventory tracking and receipt management. Compatibility with your existing systems is vital.
Select a system that integrates seamlessly with your business tools.
Customer Support
Reliable support helps resolve technical issues quickly. Check if support is available via phone or chat.
Prioritize providers with strong customer service and training resources.
Contract Terms
Avoid long-term contracts that lock you into specific processors. Look for no commitment options to maintain flexibility.
Choose services that allow you to cancel or switch without penalties.
How to Use and Care for Your Credit Card Readers for Phones
Download the companion app and create an account to start setting up your reader. Follow the pairing instructions carefully to ensure a secure connection.
Keep the device clean and dry to maintain performance. Avoid exposing it to extreme temperatures or direct water contact.
Regularly check for software updates to benefit from new features and security patches. This ensures your reader remains compatible and efficient.
Frequently Asked Questions
What types of payment cards do mobile readers accept?
Most modern readers accept chip cards and contactless payments. Some also support magnetic stripe cards for backward compatibility.
Do I need an internet connection to process payments?
Most require internet but some offer offline modes. Transactions sync automatically once the connection is restored.
How long does it take to get paid?
Many processors offer next day funding. Standard processing may take two business days depending on the provider.
Can I use a reader with multiple phones?
Yes many devices can pair with different devices. However the account is usually tied to one primary business.
Are there hidden fees I should watch for?
Avoid plans with monthly charges or setup fees. Always review the fee schedule carefully before signing up.
Do I need a merchant account to use these devices?
Many services process payments without a traditional merchant account. They provide integrated payment processing directly within their platform.
What happens if the device gets damaged?
Check warranty terms before purchasing. Some offer replacement policies for defective units within a specific timeframe.
Can I send digital receipts to customers?
Yes most apps support email or text receipts. This option helps customers receive their records instantly.
Final Thoughts on Choosing the Best Credit Card Readers for Phones
We have highlighted top picks ranging from budget-friendly options to premium all-in-one devices. The Square Reader for contactless and chip offers strong value.
Prioritize security and transaction fees when selecting a model. Ensure the device matches your primary sales volume and customer payment habits.
Verify current pricing and availability before ordering since these details can change frequently. Choosing wisely will streamline your operations.