myPOS Virtual Terminal MO/TO vs SwipeSimple
myPOS Virtual Terminal MO/TO
mypos.com
SwipeSimple
swipesimple.comSide by side
| Figure | myPOS Virtual Terminal MO/TO | SwipeSimple |
|---|---|---|
| Price from | Free | $19.95/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 4 | 11 |
| Spec score · Virtual Terminal Software | 8.5 (#3) | 8.5 (#4) |
| Company legal name | Crunchbase lists the legal name as myPOS World Ltd., also known as myPOS Europe Ltd. | The company changed its legal and operating name from CardFlight, Inc. to SwipeSimple, Inc. on October 6, 2026. |
| Company scale | myPOS reported a 600-person international team for its 2024 tenth-anniversary celebration. | SwipeSimple says more than 125,000 small businesses use the platform and more than 200 partners sell it. |
| Rating on Apple App Store | 4.5 out of 5 from 2.5K ratings | 4.8 out of 5 from 5.6K ratings. |
| Rating on G2 | 5.0 out of 5 from 1 review | 3.8 out of 5 from 3 reviews. |
| Rating on Google Play | 3.8 out of 5 from 23.6K reviews | 4.7 out of 5 from 3.37K reviews. |
| Rating on Trustpilot | 4.2 out of 5 from 21,699 reviews | 2.1 out of 5 from 17 reviews. |
| Security | The product page says the customer's credit card information cannot be accessed once the transaction has been completed. | SwipeSimple states that its systems are designed for PCI DSS compliance and enforce HTTPS, HSTS, and 256-bit encryption. |
| Support | The UK pricing page lists 24/7 customer support as free. | SwipeSimple is generally sold through merchant service providers, and merchants are directed to their provider for account support and billing or fee questions. |
| What it does | myPOS MO/TO Virtual Terminal lets merchants manually process mail-order and telephone-order card payments when the customer is remote. | SwipeSimple is a payments and small-business management platform for accepting cards and running payment operations. |
Plans
myPOS Virtual Terminal MO/TO
- MO/TO Virtual TerminalFree
- MO/TO Virtual TerminalFree
- Card-not-present online paymentsPrice not published
- MO/TO paymentsPrice not published
SwipeSimple
- SwipeSimple Connect ZeroFree
- SwipeSimple Connect — card-present processing$2.61, paid once
- SwipeSimple Connect card-present processing$2.61, paid once
- SwipeSimple Connect — card-not-present processing$3.51, paid once
- SwipeSimple Connect card-not-present processing$3.51, paid once
- QuickBooks Online Sync$19.95 a month
- SwipeSimple Appointments$29.95 a month
- Bluetooth card reader$49, paid once
- Text Loyalty & Reviews Starter$59.99 a month
- Text Loyalty & Reviews Standard$95.95 a month
In their own words
myPOS Virtual Terminal MO/TO
myPOS Virtual Terminal MO/TO lets businesses take card payments by phone or email when a customer is remote. It works on a computer, phone, or tablet with an internet connection and requires no installation, complex integration, or additional software or hardware. Businesses can give employees specific access to accept payments, then track transactions in real time from any location using the myPOS Mobile app. The product page says completed payments settle immediately into the myPOS merchant account. Businesses apply through that account, and myPOS confirms eligibility for the service. The UK pricing page lists MO/TO payments at the online payment fee plus 0.5% per transaction. The plan has no monthly fee, but transaction fees apply, and the displayed tariff table is a concise summary linked to the full tariff breakdown. The product page says customer card information cannot be accessed after a transaction is complete. The UK pricing page lists 24/7 customer support as free.
SwipeSimple
SwipeSimple provides payment acceptance tools for small businesses across Android, iOS, and web, with mobile, terminal, and computer-based processing. Its mobile app supports swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards; it can also accept payments offline when cell reception is poor. Businesses can manage customers, review purchase histories and sales trends, and export transaction reports compatible with tools such as QuickBooks and Excel. Invoices can be emailed or texted, shared as links, saved as drafts, and configured with automatic payment reminders. The App Marketplace lists QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews, while SwipeSimple says it has no public API or third-party integrations. Connect Zero is $0.00 per free for eligible businesses, with card-paying customers covering a 3.5% card fee. Card-present processing is $2.61; card-not-present processing is $3.51. SwipeSimple is commonly sold with a merchant account and processing agreement through a provider, which handles account support and billing questions.