Paymi vs SwipeSimple

Paymi is an iOS app for eligible businesses, sole traders, and other entities to accept card payments with Tap to Pay on iPhone. Merchants can use an iPhone without an extra terminal or payment hardware. Customers can pay with major debit and credit cards, Apple Pay, or Google Pay. The app supports bill splitting, tips, automatic discounts and taxes, payment links, and real-time transaction views. Paymi uses Stripe Connect Standard accounts; Stripe manages processing, payouts, disputes, and chargebacks. Paymi says it does not collect or store card or banking information. Listed markets include the United States, Canada, Australia, New Zealand, the United Kingdom, and 16 European countries. Tap to Pay requires a supported payment app and the latest iOS, and may have transaction limits or unavailable markets. The Free plan has no subscription and charges a 1.2% Paymi application fee per transaction, plus Stripe fees. Pro plans have 0% Paymi application fees, while Stripe fees still apply. Pro pricing varies by App Store storefront; UK listings show £9.99/month or £79.99/year.

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.