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7 Best Credit Card Readers for iPhone of December 2024

Card readers that connect with a POS app on your iPhone make it easy to accept payments from anywhere.
Last updated on May 1, 2024

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Credit card readers for iPhone pair with a mobile point-of-sale (POS) app to help small businesses accept and process credit card payments. Ultimately, the best credit card reader for your iPhone should accept at least chip and contactless payments, be compatible with your POS system and offer cost-effective payment processing fees.
These credit card readers for iPhone meet the criteria.

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Square
Square

Square Reader

NerdWallet Rating  
5.0
Bonus Amount  

20% off hardware

Requirements to qualify 

Read Review
Learn more

on Square's website

Best Credit Card Readers for iPhone

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Estimates assume an average interchange fee of 1.81% + $0.10, based on our latest available data. Estimates provided reflect online and in-person transactions, but exclude any keyed transactions. Estimates are based on the lowest monthly plan and processing fees for each provider.

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Payment processing fees
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Square Reader

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on Square Reader's secure website

Get an estimated monthly cost for your business.
5.0/5

Best for Integrating with full POS system

In-person: 2.6% + $0.10

Online: 2.9% + $0.30

$0.00

Starts at $0/month for unlimited devices and locations.

Get an estimated monthly cost for your business.
Learn more

on Square Reader's secure website

Helcim card reader

Learn more

on Helcim card reader's secure website

4.5/5

Best for Volume discounts

In-person: 0.4% + $0.08

Online: 0.5% + $0.25

Plus interchange

$0.00

Learn more

on Helcim card reader's secure website

Clover Go

Learn more

on Clover Go's secure website

4.0/5

Best for Quick deposits

In-person: 2.6% + $0.10

Online: 3.5% + $0.10

$0.00

Payments plan; $14.95 Essentials plan.

Learn more

on Clover Go's secure website

SumUp Plus

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on SumUp Plus' secure website

4.0/5

Best for iPhone credit card reader with a screen

In-person: 2.6% + $0.10

Online: 3.5% + $0.15

$0.00

for card readers only; $99 for Connect Lite plan; $199 for Connect Plus plan; $289 for Connect Pro plan.

Learn more

on SumUp Plus' secure website

Payanywhere 3-in-1 reader

Read Review
4.0/5

Best for Reputation management tools

In-person: 2.69% + $0.00

Online: 3.49% + $0.19

$0.00

Read Review

PayPal Zettle

Read Review
4.0/5

Best for Alternative payment options

In-person: 2.29% + $0.09

Online: 3.49% + $0.09

$0.00

Read Review

QuickBooks card reader

Read Review
3.0/5

Best for Accounting integration

In-person: 2.5% + $0.00

Online: 2.99% + $0.00

$0.00

Read Review

Our pick for

Integrating with full POS system

In addition to offering multiple card reader options, Square sells a variety of POS hardware setups for restaurants and retail stores. You can buy a register kit with a cash drawer and receipt printer or piece your own setup together by purchasing an iPad stand and whichever accessories you need. Square offers free POS plans for these more robust hardware setups, too.

Square Reader

Learn more

on Square Reader's secure website

Monthly fee
$0.00

Starts at $0/month for unlimited devices and locations.

Our pick for

Volume discounts

Helcim stands out for its interchange-plus processing fees and volume discounts, making it a good option for high-volume businesses. The company offers lower interchange markups when your business processes more than $50,000 in card transactions each month.

Helcim card reader

Learn more

on Helcim card reader's secure website

Monthly fee
$0.00

Our pick for

Quick deposits

Businesses with occasional cash flow issues might benefit from Clover’s rapid deposit option, which lets you access card transaction funds within minutes. However, keep in mind that it comes with an extra 1.5% fee. And if you don’t want to use Clover as your payment processor, its hardware is also available through resellers that use separate payment processing services.

Clover Go

Learn more

on Clover Go's secure website

Monthly fee
$0.00

Payments plan; $14.95 Essentials plan.

Our pick for

iPhone credit card reader with a screen

The SumUp Plus card reader includes its own built-in screen that displays the amount owed and lets customers know when to tap, insert or swipe their cards and whether it’s necessary to leave a signature on the merchant’s iPhone. There’s also a keypad for manually keying in card information.

SumUp Plus

Learn more

on SumUp Plus' secure website

Monthly fee
$0.00

for card readers only; $99 for Connect Lite plan; $199 for Connect Plus plan; $289 for Connect Pro plan.

Our pick for

Reputation management tools

Payanywhere has a unique reputation management feature that lets you monitor what people are saying about your business online, whether it’s through your Google Business profile or a social media platform. You can use the reputation management platform to receive notifications each time someone leaves a new review and quickly respond.

Payanywhere 3-in-1 reader

Read Review
Monthly fee
$0.00

Our pick for

Alternative payment options

PayPal’s Zettle card reader also has a built-in screen and keypad, but its ability to accept a wide variety of payment options is what really sets it apart from its competitors. In addition to debit and credit card payments, Zettle lets customers use Venmo, PayPal and a handful of digital wallets.

PayPal Zettle

Read Review
Monthly fee
$0.00

Our pick for

Accounting integration

QuickBooks doesn’t offer its own in-house POS registers like some of its competitors, but its card reader is a convenient option for solopreneurs who take the occasional in-person payment and want to sync it directly with their QuickBooks Online accounting software.

QuickBooks card reader

Read Review
Monthly fee
$0.00

Our picks for best iPhone credit card readers

Clover Go: Best for quick deposits

Why we like it: The Clover Go is a compact, portable card reader that connects to comprehensive POS software. Clover’s Essentials plan, which has a monthly fee, includes extra features such as tax reporting, real-time sales tracking and a customer database. The reader is able to accept payments even when your device is offline, although transactions won’t go through until you’re back online. Read our full Clover review.
Accepts: Magstripe, chip and contactless payment methods.

SumUp Plus reader: Best iPhone credit card reader with a screen

Why we like it: SumUp’s Plus reader can process more than 500 transactions on a single power charge. It has a screen to display transaction details, so you won’t have to share your personal device with the customer. SumUp offers a free app to use with the reader, which includes functionality for sales tracking and reporting and the ability to send digital receipts to customers. It doesn’t charge a monthly fee and doesn’t require a contract. Read our full SumUp review.
Accepts: Magstripe, chip and contactless payment methods.

Payanywhere 3-in-1 reader: Best for reputation management tools

Why we like it: Payanywhere’s versatile card reader comes with low in-person payment processing rates with no fixed fee on top. This makes it a cost-effective option for businesses with smaller transaction totals — for example, in-person transactions of $10 or less. Also included with the card at no additional cost is Payanywhere’s simple POS with basic functionality that includes inventory management and reporting. Read our full Payanywhere review.
Accepts: Magstripe, chip and contactless payment methods.

Square Reader: Best for integrating with full POS system

Why we like it: Square’s free POS software is among the most feature-rich out there; it can give you the full range of business management capabilities, including customized and digital receipts, invoicing, customer profiles for repeat buyers, inventory management and more. Square also offers Tap to Pay on iPhone, which lets merchants accept card payments using only a regular iPhone with the Square POS app. Customers hold their cards or their own iPhone wallets near the merchant's phone to pay. Read our full Square review.
Accepts: Depends on which version of the Square Reader you purchase; The free Square Reader for magstripe only accepts swiped payments; The upgraded Square Reader accepts chip and contactless payment methods.

PayPal Zettle: Best for alternative payment options

Why we like it: Unlike some competitors, PayPal Zettle works with PayPal and Venmo. All transactions made with Zettle go straight into your PayPal account and can be transferred to your bank. Read our full PayPal Zettle review.
Accepts: Chip and contactless payment methods.

QuickBooks card reader: Best for accounting integration

Why we like it: If you have a QuickBooks Online account, you can use this card reader to automatically record your transactions in the accounting software. Read our full QuickBooks Payments review.
Accepts: Chip and contactless payment methods.

Helcim card reader: Best for volume discounts

Why we like it: The purchase of a Helcim card reader also gives you access to its robust POS system, a virtual terminal and other tools at no additional cost. Helcim’s interchange pricing model and volume discounts make it a stronger fit for businesses with higher monthly transaction volumes. Read our full Helcim review.
Accepts: Chip and contactless payment methods.

What is an iPhone credit card reader?

Credit card readers for iPhone turn your smartphone into a standalone mobile POS system or an extension of a larger, existing POS system. This gives you the flexibility to accept in-person payments anywhere, whether that’s in your brick-and-mortar storefront or at a pop-up event. Ultimately, brick-and-mortar, mobile and online businesses all have the potential to expand their customer base by adding iPhone credit card readers to their tool kit.
You’ll start by downloading a mobile POS app on your iPhone. Some providers send you an iPhone credit card reader for free and others require you to purchase one — they typically cost around $50, but prices vary. From there, you’ll pair the iPhone credit card reader with the mobile POS app and start accepting payments. Credit card readers either plug directly into your iPhone or connect to it via bluetooth.

How to choose the best credit card reader for iPhone

Wallet with a gold credit card.
Types of payments acceptedAt a minimum, iPhone credit card readers should accept contactless payments and EMV chip cards that customers insert or “dip” into the reader. Some readers also allow you to swipe credit cards’ magstripe, though this is becoming less common.
Couple of hands typing on a laptop.
IntegrationsIf you already use POS software in some capacity, make sure the card reader you’re considering has a mobile app that seamlessly integrates with that software so all your sales are consolidated in the same system. If you only plan to accept payment with your iPhone credit card reader, this doesn’t matter as much.
Jar with some coins inside and some cash on the side.
CostCard readers can range from free to over $100. Also factor in credit card processing fees and whether you’ll need to pay a monthly POS software fee. Look out for added chargeback fees and PCI compliance fees, too.

Explore more payment processing options

Payment processing companies often sell their own proprietary card readers or readers from a third-party company, like Clover. If you didn’t find what you’re looking for in the list above, here are some additional payment processors with competitive rates and hardware options.

Methodology

Here is more information on how NerdWallet evaluates POS systems, payment processors, their accompanying apps and card readers:
Last updated on May 1, 2024
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