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Finance & Accounting

Best Mobile Payment Processing Software in 2026

For taking payments on the go, compare how each service handles payment methods, Tap to Pay, offline payments, and whether a reader is required. Payout timing can matter for cash flow, while recurring-payment support may be useful for ongoing charges.

  1. 01 Helcim

    Helcim suits businesses seeking in-person and online payment processing, invoicing, or recurring billing.

    From $0.40/mo Free plan Web · Windows · macOS · iOS
    9.3 Visit Specs
  2. 02 Viva.com

    It suits businesses needing payment acceptance across physical, online, remote or marketplace channels.

    From £3.99/mo Free plan Web · iOS · Android · API
    8.6 Visit Specs
  3. 03 Zeller

    Zeller suits businesses looking to combine payments and financial tools, including sole traders, limited companies, partnerships, LLPs, and trusts.

    From £1.30/mo Free plan Web · Windows · macOS · iOS
    8.6 Visit Specs
  4. 04 SwipeSimple

    SwipeSimple suits small businesses taking payments on the go, in retail or food-and-beverage settings, or through a computer for B2B and back-office billing.

    From $19.95/mo Free plan Web · iOS · Android
    8.5 Visit Specs
  5. 05 Clover Go

    Clover Go suits merchants who need to take card payments with a phone or tablet, including when offline.

    Free trial Web · iOS · Android · API
    8.0 Visit Specs
  6. 06 Apex Reader

    Apex positions Reader for food trucks, market vendors, stylists, field technicians, pop-up retailers, and other mobile sellers.

    Web · iOS · Android
    7.9 Visit Specs
  7. 07 Bank of America Mobile Point of Sale

    It suits businesses already using Bank of America business banking that need mobile card acceptance and sales reporting.

    Web · iOS · Android
    7.9 Visit Specs
  8. 08 Lopay

    Lopay suits business owners, sole traders, entrepreneurs, and side hustlers, including taxi drivers, barbers, pet groomers, builders, market traders, and dry cleaners.

    Free plan Web · iOS · Android
    7.9 Visit Specs
  9. 09 Grafterr GO!
    iOS · Android
    7.8 Visit Specs
  10. 10 MobilePayments
    Web · iOS
    7.8 Visit Specs
  11. 11 PayAnywhere

    PayAnywhere suits U.S.

    Free plan Web · iOS · Android
    7.8 Visit Specs
  12. 12 Square Online
    From $49/mo Free plan Web
    7.8 Visit Specs
  13. 13 Moneris PAYD
    Web · iOS · Android
    7.6 Visit Specs
  14. 14 NAB Easy Tap

    It suits eligible Australian businesses or organizations that want to take contactless payments using an NFC-enabled Android device.

    Free plan Web · Android
    7.5 Visit Specs
  15. 15 Paid for Stripe

    Paid for Stripe suits mobile and service businesses that take payments in person or by link or QR code.

    Free plan iOS · Android
    7.5 Visit Specs
  16. 16 Beacon Payments Mobile Payments
    iOS · Android
    7.4 Visit Specs
  17. 17 Paymi

    It suits eligible businesses and sole traders in supported markets who want to accept payments with an iPhone.

    Free plan iOS
    7.4 Visit Specs
  18. 18 QuickBooks GoPayment

    GoPayment suits merchants who need to take payments from a mobile device and want to accept several payment types.

    Free plan iOS · Android
    7.4 Visit Specs
  19. 19 Stripe Terminal
    From $2.70/mo Web · iOS · Android · API
    7.4 Visit Specs
  20. 20 Tyro BYO App
    iOS · Android
    7.2 Visit Specs
  21. 21 myPOS Glass
    Free plan iOS · Android
    6.9 Visit Specs
  22. 22 Worldline Food Services Payments Suite
    Web · API
    6.4 Visit Specs
  23. 23 PayPal Zettle
    Web · iOS · Android
    6.1 Visit Specs
  24. 24 BELKART PAY
    Android
    6.0 Visit Specs
  25. 25 PayPal Point of SalePayPal
    iOS · Android
    6.0 Visit Specs
How this list is ordered. Specifiction scores each tool on how fully its maker documents it, whether its prices are published, where the research puts it, the platforms it runs on and whether it can be tried for free (how we rank). Makers can also buy a numbered place (how Specifiction is paid for).

The entries also show free-plan availability and paid-from pricing, giving you cost details to weigh alongside transaction features. PayPal Invoicing, PayAnywhere, and Zeller are among the options, with Helcim and Lopay also included. Match the listed payment and payout capabilities to the ways your business accepts payments and receives funds.

Compare Helcim and Viva.com Get a place on this list

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