Apex Reader vs Moneris PAYD
Apex Reader
apexonepayments.comMoneris PAYD
moneris.comSide by side
| Figure | Apex Reader | Moneris PAYD |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Mobile Payment Processing Software | 7.9 (#6) | 7.6 (#13) |
| Intended users | Apex describes Reader for mobile sellers such as food trucks, stylists, market vendors, and field technicians, including curbside, market, home-service, and pop-up sales. | Moneris described PAYD as a mobile point-of-sale solution for small to mid-size businesses that take payments on the go. |
| Limits | The reader pairs with a phone and needs the Apexonepayments mobile app; no separate data plan is required. | The mobile version of PAYD Administration omits multi-location administration, audit-log reports, and ecommerce functionality available in the desktop version. |
| Purpose | Apex Reader is a pocket-sized Bluetooth card reader that pairs with an iPhone or Android phone for in-person payments. | Moneris PAYD lets merchants accept credit card payments on a mobile device using the PAYD app and card reader. |
| Security | The product page states that Reader is PCI PTS certified, uses end-to-end encryption, and keeps card data off the phone. | The PAYD launch announcement says Moneris uses card-data encryption at the point of sale and security protocols intended to prevent unauthorized access. |
| Support | The Help Center says support is available 24/7/365 in English and Spanish. | Moneris’s PAYD support page links to setup and transaction help, Apple and Android user guides, and additional troubleshooting support. |
In their own words
Apex Reader
Apex Reader is a pocket-sized Bluetooth card reader for in-person payments away from a counter. It pairs with an iPhone or Android phone and accepts NFC contactless payments, EMV chip cards, and magnetic-stripe swipes, including Apple Pay and Google Pay. Bluetooth LE connectivity requires iOS 14 or later or Android 10 or later, and no separate data plan is required. The reader provides up to 12 hours of active use and charges through micro-USB. The Apexonepayments app can start a sale or retrieve one from an invoice, process refunds and voids, and add optional tax and tips. It sends branded receipts by SMS or email, while sales synchronize to the dashboard in real time. Reader transactions share a ledger with Apex Flex and Mini. Account activation takes under two minutes, with no setup fees or monthly minimums. Pricing is on request.
Moneris PAYD
Moneris PAYD has no write-up on Specifiction yet; its figures are above.