Square Reader for magstripe (USB-C)
4.6Editor score
Low cost entry point
Works with Apple devices
Fast setup process
In this guide
Mobile payments are essential for modern businesses operating on the go. A reliable credit card reader for phones allows you to accept transactions anywhere using your smartphone or tablet device.
We evaluated ten top-rated models based on connectivity, security features, and ease of use. Each product was analyzed for compatibility with major card types and integration with point of sale software systems.
Each pick highlights key strengths and ideal use cases for different business sizes. Prices and availability may change over time so verify current details before making your final purchasing decision today.
Top 3 Picks for Best Credit Card Readers for Phones
Square Reader for contactless and chip (2nd Generation)
4.5Editor score
Accepts contactless and chip cards
Extended battery life included
No monthly fees required
Square Terminal – Credit Card Machine to Accept All Payments | Mobile POS
4.5Editor score
All-in-one POS device
Built-in battery power
Prints receipts instantly
Top 10 Best Credit Card Readers for Phones in 2026 Compared
The following table provides a side-by-side overview of all ten models evaluated in this guide. Compare their core specifications and capabilities to find the right fit for your payment processing needs.
ProductsSpecificationsEditor scorePrice
Best Budget
Square Reader for magstripe (USB-C)
Magstripe only support
USB-C connection type
Square POS app required
Next day funding available
4.6Editor score
Editor's Choice
Square Reader for contactless and chip (2nd Generation)
Contactless and chip
Bluetooth connectivity
Offline payment support
Enhanced security features
4.5Editor score
Best Premium
2-in-1 Smart Card Reader with NFC
CAC and PIV support
USB-A and USB-C
Multi-OS compatibility
Military grade security
4.3Editor score
Clover GO (3rd Generation)
Bluetooth wireless pair
SwyftPAY processing required
Custom tip percentages
Employee permissions system
5.0Editor score
Square Terminal – Credit Card Machine to Accept All Payments | Mobile POS
All payment types
Built-in battery
Receipt printer included
Stand alone device
4.5Editor score
SumUp Plus Card Reader
Bluetooth and NFC
Free SumUp app
Simple transaction fee
Mobile payment anywhere
3.8Editor score
SumUp Solo Credit Card Payment Card Reader with Charging Station
Touch-screen interface
Free SIM card
Charging station included
Wi-Fi connection
3.5Editor score
Clover GO (Newest Model)
Bluetooth connection
Powering POS required
Paperless receipts
Tax rate options
3.6Editor score
Clover Go Contactless Reader
EMV chip ready
Contactless payments
No merchant account
Limited quantities
4.0Editor score
Clover Go Bluetooth Reader (3rd Gen)
3rd generation model
Bluetooth wireless
No merchant account
Any Clover account
3.6Editor score
1. Square Reader for magstripe – Best Budget Credit Card Reader for Phones
Square Reader for magstripe (USB-C)
USB-C connector type
Magstripe only reading
Free POS app
Next day funding
The Square Reader for magstripe offers an entry-level solution for businesses needing basic payment acceptance. With a 4.6 rating users appreciate its simplicity and low cost barrier to entry for small vendors.
Pros
- Very affordable price point
- Simple plug and play
- Free software included
- Fast money access
Cons
- No contactless support
- Requires physical cable
We may earn a commission when you buy through this link, at no additional cost to you.
Its primary strength lies in the immediate setup process requiring no long-term commitments. You can download the free Point of Sale app create an account and start accepting payments quickly using your smartphone.
While it lacks contactless technology the magstripe function covers many traditional transaction needs effectively. The USB-C connection ensures compatibility with newer mobile devices making it a practical choice for specific use cases.
Ideal for microbusinesses or pop-up events where budget is a priority this reader delivers reliable core functionality. It supports digital receipts and inventory tracking through the app making it a solid foundational tool.
Quick Setup Experience
Download the app create your account and plug in the device to start accepting payments immediately without technical hurdles.
Integrated Business Tools
Track sales manage inventory and send digital receipts all within the free Square Point of Sale ecosystem for streamlined operations.
We may earn a commission when you buy through this link, at no additional cost to you.
2. Square Reader for contactless and chip – Best Overall Credit Card Reader for Phones
Square Reader for contactless and chip (2nd Generation)
Contactless chip tap
Bluetooth pairing
Offline mode support
Enhanced security
This second generation reader stands out as a versatile tool for modern commerce accepting tap chip and mobile wallet payments. Its 4.5 rating reflects strong performance in connectivity and transaction speed across various devices.
Pros
- Wide card acceptance
- Strong security measures
- Offline payment capability
- Long battery life
Cons
- Higher than magstripe reader
- Requires app integration
We may earn a commission when you buy through this link, at no additional cost to you.
The device improves on previous models with extended battery life and enhanced connectivity features. Offline payments allow you to keep processing for up to 24 hours even when internet access is temporarily unavailable.
Security is a major focus with built-in fraud prevention and data protection at no extra cost. The low flat rate structure simplifies pricing without hidden fees making budgeting straightforward for daily operations.
Businesses needing reliable contactless capabilities will find this reader an excellent balance of features and cost. It pairs seamlessly with the Square app providing a complete POS experience for mobile and retail environments.
Offline Transaction Capability
Continue accepting payments for up to 24 hours without internet connection ensuring you never miss a sale during connectivity issues.
Comprehensive Security
Benefit from 24/7 fraud prevention and payment dispute management included with every transaction for peace of mind.
We may earn a commission when you buy through this link, at no additional cost to you.
3. 2-in-1 Smart Card Reader with NFC – Best for Government Authentication Credit Card Reader for Phones
2-in-1 Smart Card Reader with NFC
CAC PIV support
USB-A USB-C cable
ISO certification
Multi OS ready
Designed for specialized authentication needs this reader supports CAC and PIV cards alongside standard bank cards. It holds a 4.3 rating from users who require secure identity verification for government or military related business operations.
Pros
- Military ID compatibility
- Dual port support
- No driver needed
- Durable build quality
Cons
- Specialized use case
- Third-party software needed
We may earn a commission when you buy through this link, at no additional cost to you.
The dual-head cable allows connection to USB-A and USB-C ports without extra adapters. It is certified for multiple standards including ISO7816 and ISO14443 ensuring broad compatibility with smart cards and NFC badges.
Plug and play functionality works across Windows Mac Linux and Android systems without installing drivers. The reinforced cable and compact design make it suitable for travel and field work environments.
This device is ideal for tax declarations pension inquiries or access control applications. While not for general retail payments it fills a critical niche for secure document verification and identity management tasks.
Multi-System Compatibility
Works seamlessly across Windows Mac Linux and Android without drivers for flexible deployment in diverse technical environments.
Secure Identity Verification
Meets high-security military and government authentication standards including PC SC 2.0 and EMV for trusted identity checks.
We may earn a commission when you buy through this link, at no additional cost to you.
4. Clover GO (3rd Generation) – Best for Small Business Credit Card Reader for Phones
Clover GO (3rd Generation)
Bluetooth wireless
SwyftPAY only
Custom tax rates
Employee permissions
The Clover GO 3rd Generation offers a complete mobile POS solution with strong user satisfaction reflected in its perfect 5.0 rating. It connects wirelessly via Bluetooth to any smartphone providing flexibility for mobile businesses.
Pros
- High customer satisfaction
- Full POS features
- Paperless receipts
- End to end security
Cons
- Specific processor required
- Dock sold separately
We may earn a commission when you buy through this link, at no additional cost to you.
Features include custom tip settings multiple tax rates and detailed employee permissions. Security is prioritized with end to end encryption protecting both merchant and customer data throughout the transaction process.
Paperless receipts can be sent via email or text to customers on demand. This system is designed for businesses needing robust management tools beyond simple payment acceptance.
Note that processing is limited to SwyftPAY and US based businesses only. For those compatible with this requirement it delivers a powerful pocket POS experience with comprehensive business management capabilities.
Business Management Tools
Manage employees set custom tax rates and track sales with an intuitive mobile interface designed for operational control.
Customer Experience
Offer digital receipts via email or text improving convenience and reducing paper waste for modern customers.
We may earn a commission when you buy through this link, at no additional cost to you.
5. Square Terminal – Best Premium Credit Card Reader for Phones
Square Terminal – Credit Card Machine to Accept All Payments | Mobile POS
All-in-one device
Built-in battery
Receipt printer
No contracts
The Square Terminal is a comprehensive all-in-one device that accepts all major cards and prints receipts without needing a phone. Its 4.5 rating highlights reliability and speed in handling high volume transactions effectively.
Pros
- Stand alone operation
- Fast chip processing
- Full POS features
- Cordless use
Cons
- Higher cost price point
- Larger footprint size
We may earn a commission when you buy through this link, at no additional cost to you.
With a built-in battery lasting all day it works cordlessly anywhere in your store. Chip cards are processed in just two seconds ensuring quick service for customers during busy periods.
You get the full Square POS experience with sales tracking inventory management and digital receipt options. There are no long-term contracts or hidden fees providing transparency in your payment processing costs.
Ideal for retailers or restaurants wanting a dedicated counter device this terminal combines functionality and simplicity. It serves as a complete payment solution reducing the need for separate hardware components.
All-in-One Convenience
Ring up sales accept payments and print receipts with a single device simplifying your checkout counter setup.
Reliable Power
The built-in battery supports all-day cordless use so you can move around your business without power cables.
We may earn a commission when you buy through this link, at no additional cost to you.
6. SumUp Plus Card Reader – Best Value Card Card Reader for Phones
SumUp Plus Card Reader
Bluetooth NFC
Free app
Flat rate fee
No contracts
SumUp Plus offers a straightforward payment solution with a competitive flat fee rate. It carries a 3.8 rating reflecting its utility for users prioritizing simplicity and cost-effectiveness in mobile transactions.
Pros
- Low transaction fee
- Simple setup
- Card acceptance
- No monthly fees
Cons
- Fewer advanced features
- Basic app interface
We may earn a commission when you buy through this link, at no additional cost to you.
The reader accepts all major credit and debit cards via Bluetooth and NFC. You can start accepting transactions using the free SumUp App on your smartphone or tablet without hidden long-term contracts.
Its design focuses on mobility allowing payments anywhere and anytime. The interface is minimal making it accessible for new business owners who do not require complex management tools.
Best for micro-vendors or side hustlers needing basic acceptance this reader delivers on core promises. It balances affordability with functionality ensuring you can process in-person transactions efficiently.
Cost Effective Pricing
Pay a simple 2.6 percent plus ten cents per in-person transaction with no hidden fees or monthly charges.
Universal Card Support
Accept all major credit and debit cards easily using Bluetooth and NFC technology on any compatible device.
We may earn a commission when you buy through this link, at no additional cost to you.
7. SumUp Solo Credit Card Payment Card Reader – Best Self-Contained Credit Card Reader for Phones
SumUp Solo Credit Card Payment Card Reader with Charging Station
Touch screen
Free SIM data
Charging station
Wi-Fi ready
The SumUp Solo is a self-contained device with a touch screen interface that operates independently of smartphones. It holds a 3.5 rating among users valuing portability and standalone connectivity for mobile sales.
Pros
- Independent device
- Includes mobile data
- Intuitive interface
- Portable design
Cons
- Few user reviews
- Limited hardware
We may earn a commission when you buy through this link, at no additional cost to you.
It comes with a free SIM card and mobile data ensuring you can process payments anywhere without relying on Wi-Fi. The strong Wi-Fi connection and charging station support extended use throughout the day.
The interface is designed to be intuitive allowing easy payment acceptance and sales management. Support is available via phone email and chat to assist with setup and operational questions.
This device suits businesses needing a compact portable terminal without phone dependency. The setup is fast and hassle-free allowing you to register on the website and start selling quickly.
Standalone Connectivity
Process payments anywhere with included mobile data and Wi-Fi capability ensuring you are never offline.
Battery Management
Enjoy strong battery capability with an additional charging station to keep the device ready for continuous use.
We may earn a commission when you buy through this link, at no additional cost to you.
8. Clover GO (Newest Model) – Best for Employee Management Credit Card Reader for Phones
Clover GO (Newest Model)
Bluetooth pairing
Powering POS
Employee controls
Tax customization
The Newest Model Clover GO pairs wirelessly with your mobile device offering a portable POS experience. With a 3.6 rating it is valued for its business management tools and secure transaction capabilities.
Pros
- Bluetooth compatible
- Secure transactions
- Digital receipts
- Business tools
Cons
- Processor dependency
- Price point
We may earn a commission when you buy through this link, at no additional cost to you.
It supports end to end security ensuring data protection throughout the payment process. You can set custom tip percentages and tax rates providing flexibility for pricing structures in retail or service settings.
Employee permissions are managed easily allowing only authorized staff to access sensitive business details. Receipts can be emailed or texted improving customer convenience and reducing paper waste effectively.
This model works with Powering POS processing for US businesses only. It provides a modern solution for businesses needing a compact system with robust management features in a pocket-sized device.
Flexible Pricing Options
Set custom tip amounts and multiple tax rates to match your specific business pricing needs accurately.
Employee Access Control
Create and manage employee permissions to restrict access and maintain security over your business data.
We may earn a commission when you buy through this link, at no additional cost to you.
9. Clover Go Contactless Reader – Best Limited Availability Credit Card Reader for Phones
Clover Go Contactless Reader
Contactless focus
EMV chip ready
No merchant needed
Limited stock
This Clover Go Contactless Reader supports EMV chip technology and tap payments without requiring a specific merchant account. It has a 4.0 rating highlighting its utility for accepting modern payment methods easily.
Pros
- Contactless support
- Chip ready
- Flexible account options
Cons
- End of life version
- Stock quantity limits
We may earn a commission when you buy through this link, at no additional cost to you.
Note that quantities are limited and this version may be end of life meaning orders might be fulfilled with the current model. It works with both iOS and Android devices for broad compatibility in the field.
The focus on contactless payments aligns with current consumer preferences for touchless transactions. This makes it suitable for businesses wanting to upgrade to modern standards without complex account setups.
Given the limited availability buyers should verify stock before purchasing. It remains a viable option for those specifically seeking contactless capability within the Clover ecosystem.
Modern Payment Support
Accept tap and chip payments easily ensuring you meet current consumer expectations for contactless transactions.
No Merchant Required
Process payments without needing a dedicated merchant account providing flexibility for independent sellers.
We may earn a commission when you buy through this link, at no additional cost to you.
10. Clover Go Bluetooth Reader (3rd Gen) – Best for Account Flexibility Credit Card Reader for Phones
Clover Go Bluetooth Reader (3rd Gen)
3rd Gen model
Bluetooth wireless
Account flexible
Secure process
The 3rd Generation Clover Go Bluetooth Reader focuses on secure mobile payments with flexible account requirements. Its 3.6 rating reflects utility for users needing a compact reader that works with any Clover account.
Pros
- End to end security
- Tax customization
- Any Clover account
- Portable design
Cons
- Processor specific
- Basic features
We may earn a commission when you buy through this link, at no additional cost to you.
End to end security protects data from acceptance to transaction completion. You can set custom tip percentages and tax rates to manage your specific business pricing needs accurately.
The device works with any Clover Go account removing barriers to entry for merchants seeking to accept payments quickly. This flexibility makes it accessible for new businesses or those transitioning to mobile POS systems.
Ideal for vendors who need a portable solution without complex hardware dependencies. It ensures data security while offering the essential tools to manage tips and taxes effectively.
Secure Data Protection
Benefit from end to end security ensuring customer and merchant data is protected during the entire transaction.
Account Compatibility
This device works with any existing Clover Go account simplifying setup for businesses already in the ecosystem.
We may earn a commission when you buy through this link, at no additional cost to you.
Buying Guide – How to Choose the Best Credit Card Readers for Phones
Selecting the right card reader involves assessing connectivity payment types and software needs. This guide outlines the critical factors to consider for your specific business setup.
Connectivity Type
Readers connect via Bluetooth or physical cables like USB-C. Bluetooth offers freedom of movement while wired connections ensure stable power for high-volume transactions.
Choose Bluetooth for mobility and wired options if your device does not support wireless pairing well.
Payment Acceptance
Ensure the reader supports the card types you expect most from customers. Modern devices accept contactless chip and magstripe whereas older models might only read magnetic strips.
Prioritize models with contactless and chip support to meet current consumer preferences and security standards.
Software Compatibility
The reader must pair with a Point of Sale app that suits your inventory and reporting needs. Check if the software integrates with other tools you use daily.
Verify the app is free or has a subscription model that fits your budget before purchasing hardware.
Processing Requirements
Some hardware requires using a specific payment processor like SwyftPAY or Powering POS. This can lock you into a specific rate structure and service agreement.
Review processing contracts carefully to understand fees and termination terms before committing to the hardware.
Security Features
Look for end to end encryption and fraud prevention built into the device or app. Security compliance is critical for protecting customer data and maintaining trust.
Select readers that offer 24/7 fraud prevention to reduce the risk of unauthorized transactions.
Battery and Power
Mobile users need long battery life or efficient charging options. Some units include charging stations while others rely on the phone's power or external batteries.
Choose a model with reliable power management if you operate away from outlets for extended periods.
Funding Speed
Different processors transfer funds at varying speeds with some offering next business day deposits. Cash flow needs vary by business so check the settlement timeline.
Prioritize next-day funding if managing tight cash flow is critical for your daily operations.
Additional Features
Features like receipt printing employee permissions and tax settings add value to basic readers. Determine which tools you need to streamline your specific business tasks.
Invest in a unit with the necessary management tools to avoid upgrading later when needs grow.
How to Use and Care for Your Credit Card Readers for Phones
Begin by downloading the compatible Point of Sale app and creating your business account. Pair the reader via Bluetooth or plug it into the correct port on your mobile device.
Keep the reader clean and stored in a protective case when not in use to prevent damage to the internal chips and ports. Avoid exposing it to extreme temperatures or moisture.
Update the device firmware and app software regularly to ensure security features remain current. Regular updates help maintain connectivity and protect against new fraud vulnerabilities.
Frequently Asked Questions
Do I need a merchant account to use a credit card reader for phones?
Not all readers require a separate merchant account. Some providers include processing within their service while others like Square allow you to set up an account directly through their app. Check the specific requirements for the model you choose.
What is the difference between a magstripe and chip reader?
A magstripe reader only accepts cards with a magnetic stripe whereas a chip reader accepts EMV cards which are more secure. Chip readers are recommended as magnetic stripes are becoming less common and less secure.
Can I accept contactless payments with any phone reader?
Only specific readers support contactless payments like tap to pay or mobile wallets. Ensure the product description lists NFC or contactless support if this feature is important for your business.
How quickly do I get paid after a transaction?
Most providers offer next business day funding as a standard option. Some may provide instant transfer options for a small fee. Check the payout terms before signing up to align with your cash flow needs.
Are there monthly fees for using these mobile card readers?
Many card reader providers do not charge monthly fees for the hardware itself but charge transaction fees. Some models may require a subscription for advanced software features so verify the total cost structure.
What happens if I lose internet connection during a sale?
Some readers support offline payments allowing you to complete transactions even without internet. The payment processes once connectivity is restored. This feature is critical for field sales or rural areas.
Do these readers work with both iPhone and Android devices?
Most modern readers are compatible with both iOS and Android. However check the specific product details as some models may have connection limitations based on the operating system.
How do I secure my data when using a mobile reader?
Ensure you use readers with end to end encryption and update the software regularly. Keep your device password protected to prevent unauthorized access to sensitive transaction data.
Final Thoughts on Choosing the Best Credit Card Readers for Phones
We have evaluated ten top models ranging from budget-friendly magstripe options to comprehensive POS terminals. Each device offers distinct advantages depending on your payment acceptance needs and operational complexity.
Prioritize features that directly impact your daily workflow such as connectivity type and funding speed. Ensure the hardware integrates smoothly with your existing software tools to avoid workflow disruptions.
Prices and availability change regularly so check current product details before finalizing your purchase. Selecting the right reader is a strategic decision that supports long-term business growth and efficiency.