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Last Updated: 25. November 2019

Mobile Card Machines: 5 Key Features to Pay Attention To

Finding the most suitable and relevant mobile card machine for the needs of your organisation is often a time-consuming and challenging decision. In general, mobile card machines enable you to accept credit and debit card payments anywhere and any time, providing flexibility on monitoring and managing the transactions of your businesss.

To provide a clear overview of the best solutions for your card payment needs, we created the list of the 10 best mobile card machines in 2019.

To help you make the best decision for your business, we analysed the mobile card machines within five key categories:

  • Supported Card Types: To cater to as many customers as possible, your mobile card reader should support as many card types as possible. This doesn't only mean accepting different kinds of credit and debit cards like VISA, MasterCard, American Express etc., but also approving a variety of payment standards, such as contactless payments, chip and pin solutions, Apple Pay, Google Pay etc.
  • Device Cost: The device cost is an essential aspect that needs to be taken into consideration. You can either opt for buying a terminal outright, or for an ePOS rental.
  • Transaction Fee: A small transaction fee ranging from 1% to 2.75% is deducted per completed activity, based on the number of monthly transactions and income generated. The percentage is based on the number of monthly transactions and income generated. Therefore, the overall cost of having and operating a mobile card machine varies depending on seasonality and customer demand. In our analysis we have highlighted machines with flat rate fees and variable fees.
  • Transaction Process: Transaction process refers to the amount of time required for the mobile card payment company to complete the transaction, until the processed money is transferred into your bank account.
  • Mobile App Support: Due to the various technological advancements, it’s important for your mobile card reader to provide support for a relevant mobile application, capable of showcasing important details for your business and your customers. Such elements include an overview of your daily income, various customer details and available products.

Furthermore,  most of the described mobile card readers, provide additional hardware and software solutions to further enhance the capabilities and potentials of the system. Fill out the form if you want to explore or additional options you may have.

No matter if you prefer purchasing or renting a terminal, all of the machines listed are compatible with both an iOS device (iPhone & iPad), as well as Android phones and tablets with Bluetooth and/or Near Field Communication (NFC) technology.

Top 10 List of Mobile Card Machines

iZettle Card Reader 2

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardSquareCards £59 + VAT Variable 1-2 business days Checkmark

iZettle Reader provides a great solution for small businesses and entrepreneurs. By accepting the widest variety of card types amongst its competitors, providing a user-friendly and intuitive mobile application, accepting payments up to 25% faster and having a battery life that lasts up to 30% longer than other mobile credit card readers, it’s no surprise that it rates amongst the most popular and highest-ranking contactless card readers currently available in the UK market.iZettle

Additional features sold separately:

  • Tablet stands
  • Cash drawers
  • Receipt printers
  • Barcode scanners

Buy product


Square Reader

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardSquareCards £39 + VAT Flat rate of 1.75% 1 business day Checkmark

Square Card Reader, alongside its powerful POS app, allows your business to accept all major types of cards, acting as both a chip and pin machine as well as contactless card reader. Furthermore, the flat transaction amounts to 1.75% and the process is completed within one business day. Providing easy invoicing and powerful analytic tools, Square card reader is a great tool for any type of business.Square

Additional features sold separately:

  • Dock
  • Instant deposit
  • iPad POS stand
  • Employee management programme

Buy product


SumUp Air

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardSumUpCards £29 + VAT Flat rate of 1.69% 2-3 business days Checkmark

SumUp Air sets the standard for contactless card protection for your business and your customers, with advanced security and card verification services. Having the lowest transaction fee rate amongst its competitors and a battery life capable of lasting more than 500 transactions, makes it an attractive solution for your organisation.SumUp

Additional features sold separately:

  • Tablet app support
  • Receipt printers & scanners
  • Cloud access to analytics and administrative tools

Buy product


WorldPay Zinc Chip and Pin Reader

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&Mastercard&Maestro £14.99 + VAT Variable Immediately Checkmark

WorldPay Zinc provides a secure chip and pin portable card reader solution from UK’s leading card payments company. Although it’s capable of handling both in-person as well as over the phone payments, it can’t operate as a contactless card reader.Worldpay-Zinc

Additional features sold separately:

  • Stands
  • Cover cases
  • Instant SMS & e-mail receipts

Buy product


PayPal Here

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&Mastercard&Maestro £54 + VAT Variable Immediately Checkmark

Paypal Here is the ultimate mobile card machine solution for any business that already uses PayPal to accept online or direct payments. Although Paypal’s transaction fee depends on the monthly income of your business, the transaction process is immediate. However, the limited in-store selling and mobile app features currently available might make the acquisition of a full POS system necessary for your business.PayPal

Additional features sold separately:

  • Mobile printers
  • Protection covers
  • Card reader stand

Visit Paypal


Shopify POS

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardShopifyCards £79 + VAT 2.70% Immediately Checkmark

Shopify POS provides an integrated Shopify terminal, product management and easy-to-use service. Shopify provides a plethora of additional retail packages with different prices and features, in order to keep track of your cash flow and summarise your daily register totals.Shopify

Additional features:

  • Partial payment
  • Gift card support
  • Multi-employee support

Visit Shopify


Barclaycard Anywhere

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardBarclaycardCards £60 + VAT Flat rate of 2.6% Immediately Checkmark

Barclaycard’s Anywhere mobile card machine is ideal for accepting all major credit and debit cards payments, with a fixed transaction fee of 2.6%. Barclaycard’s model is available with a 'pay as you go' contract, meaning that there is no fixed term for its conclusion.Barclaycard

Additional features:

  • Proactive security
  • Advanced card verification services
  • Supporting O2, EE and Vodafone networks

Visit Barclay Card


PayAnywhere 3-in-1

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardPayAnywhereCards Free Variable Immediately Checkmark

PayAnywhere 3-in-1 Bluetooth makes it possible to accept in-store, online, and on-the-go payments. Its advanced mobile application and activity data make it easier to manage and keep track of your customers, employees and inventory. The acquisition of the device is free of charge, accustomed with a variable transaction fee per competed activity.PayAnywhere

Additional features:

  • StoreFront POS
  • 24/7 live customer support
  • Employee management service

Elavon MobileMerchant

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&MastercardJCB and Apple Pay £79 + VAT Flat 1 business day Checkmark

MobileMerchant is a different product compared to the other devices present in this list. The app and the card reader will transform your smartphone or tablet into a POS terminal. The transaction fees are at 2.75% for all debit and credit cards with chip and contactless, and 3.75% for keyed-in cards.
Elavon

Additional features:

  • 24/7 phone support
  • Customises VAT rates, offers discounts, and adds tips
  • Securely captures and encrypts cardholder data

Visit Elavon


SmartTrade App

Supported Card TypesDevice CostTransaction FeeTransaction ProcessMobile App Support
Visa&Mastercard 3 different month subscriptions Variable Immediately Checkmark

SmartTrade App has a different approach compared to the previously described mobile card machines, as you can accept card payments on your smartphone, by using the built-in camera app, instead of acquiring a card reader. As so, an additional monthly fee is required, ranging from £9.99 - £89.99, based on the desired amount of supported users. SmartTrade

Additional features:

  • 30 days free trial
  • Ability to pass transaction fees to customers
  • Integration of 3rd-party accounting software

 

Visit Smart Trade App


Find the Best Mobile Card Machine With Market Inspector

Finding the best mobile card machine for your business or comparing the various prices of ePOS systems can be a time consuming and complicated procedure. Different interests based on your organisation’s and your customers’ needs imply different card payment solutions that can be adapted.

For example, to process recurring payments in a legal and secure way, you need a merchant account (check here for merchant account providers operating in the UK) who can provide a number of additional features for your company. If you want to skip all the manual reasearch fill out the form on top of the page and our customer service team 

Choosing the best card payment machine for your business can be made easier with Market Inspector. By filling out the above contact form, you can receive up to 4 free quotes that are completely non-binding.

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Written by Aris Vourvoulias Head of Content Aris Vourvoulias is the Head of Content at Market Inspector. Aris is a passionate author and marketer with a background in journalism. He continuously writes, reviews, and educates himself in the areas of business, finance, and renewable energy. He has managerial experience in many European markets, including UK, Denmark, Sweden, and Finland. He and his content team have been featured on reputable sites like Business Insider, Entrepreneur, Guardian, Forbes, HubSpot, and more.
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