Square Reader for magstripe (USB-C)
4.6Editor score
Accepts magnetic stripe cards
Free POS app included
Works with Apple devices
In this guide
Mobile payment solutions have transformed how businesses accept transactions on the go. Choosing the right credit card reader for your phone ensures smooth operations and happy customers.
We evaluated ten top-rated devices based on connectivity, security features, and compatibility. Our analysis highlights models that offer reliability for various business sizes and industries.
Each pick showcases key strengths and potential limitations to help you decide. Note that availability and features may change, so verify details before purchasing your device.
Top 3 Picks for Best Credit Card Readers for Phones
Square Reader for contactless and chip (2nd Generation)
4.5Editor score
Accepts chip and contactless
Extended battery life
Offline payments supported
Clover GO (3rd Generation)
5.0Editor score
Bluetooth wireless connection
Customizable tax and tips
Paperless receipts feature
Top 10 Best Credit Card Readers for Phones in 2026 Compared
This side-by-side comparison outlines the core specifications and capabilities of each device to help you find the ideal match for your specific transaction requirements.
ProductsSpecificationsEditor scorePrice
Best Budget
Square Reader for magstripe (USB-C)
USB-C connection type
Magstripe card support
Free POS software
Next day funding
4.6Editor score
Editor's Choice
Square Reader for contactless and chip (2nd Generation)
Contactless and chip
Bluetooth connectivity
Offline mode available
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
Multiple OS compatible
Durable construction
4.3Editor score
Clover GO (3rd Generation)
Bluetooth pairing
End to end security
Tax and tip setup
Employee permissions
5.0Editor score
Square Terminal
All-in-one device
Built-in printer
All day battery
Chip card fast processing
4.5Editor score
SumUp Plus Card Reader
Bluetooth connection
NFC and RFID
Free SumUp App
Mobile transactions
3.8Editor score
SumUp Solo Credit Card Payment Card Reader
Touch-screen interface
Free SIM included
Charging station
Reliable Wi-Fi
3.5Editor score
Clover GO (Newest Model)
Bluetooth pairing
Security protected
Employee management
Paperless receipts
3.6Editor score
Clover Go Contactless Reader
Contactless ready
EMV chip support
No merchant account
iOS and Android
4.0Editor score
Clover Go Bluetooth Reader (3rd Gen)
Bluetooth wireless
End to end security
Tax and tips
Any Clover account
3.6Editor score
1. Square Reader for magstripe (USB-C) – Best Budget Option
Square Reader for magstripe (USB-C)
USB-C connector
Magstripe support
Free POS app
Next day funding
This reader offers a straightforward way to accept payments using magnetic stripe cards. It has a high rating and works with the free Square Point of Sale app.
Pros
- Very affordable price
- Simple setup process
- No long contracts
- Free POS app
- Next day funding
Cons
- Limited to magstripe
- No contactless tap
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Users appreciate the quick setup and ability to get paid the next business day. It is ideal for small businesses just starting to accept card payments.
While it lacks chip or contactless support, the low cost makes it accessible. Many find it sufficient for low-volume transactions where speed is less critical.
If you need a basic, low-cost solution for phone payments, this is a strong starting point. Ensure your device has a USB-C port for compatibility.
Quick Setup and Payment
You can download the app, create an account, and start taking payments anywhere without long-term commitments.
Business Management Features
Track sales, manage inventory, and send receipts digitally all from one place with the free app.
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2. Square Reader for contactless and chip (2nd Generation) – Top Overall Choice
Square Reader for contactless and chip (2nd Generation)
Contactless and chip
Bluetooth pairing
Offline payments
Enhanced security
This device accepts contactless payments, chip cards, Apple Pay, and Google Pay from anywhere. It stands out with improved connectivity and enhanced security features.
Pros
- Accepts tap and dip
- Improved connectivity
- Offline mode up to 24 hours
- Low rates for taps
- 24/7 fraud prevention
Cons
- Higher cost than magstripe
- Requires compatible app
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Users benefit from offline payment capabilities, allowing transactions for up to 24 hours without internet. It charges one low rate for every tap or dip.
Although it is more expensive than basic readers, the versatility and security justify the price. It is a reliable choice for businesses needing flexible payment options.
Consider this if you want a secure and versatile reader that adapts to modern payment habits. It pairs securely with your device for smooth operations.
Offline Payment Capability
Keep taking payments for up to 24 hours even when internet access is temporarily unavailable.
Enhanced Security Measures
Get data security, 24/7 fraud prevention, and payment dispute management at no extra cost.
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3. 2-in-1 Smart Card Reader with NFC – Best for ID Verification
2-in-1 Smart Card Reader with NFC
CAC and PIV support
USB-A and USB-C
Multi OS compatible
Durable cable
This reader supports CAC, PIV, and credit/debit cards with both contact and contactless modes. It is ideal for government and military users needing secure authentication.
Pros
- Supports military IDs
- Works on multiple OS
- No driver needed
- Dual USB ports
- Durable construction
Cons
- Not for health cards
- Complex setup may vary
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It works on Windows, Mac, Linux, and Android without drivers. The reinforced cable and compact body make it perfect for travel and field verification.
While it has broad support, note that third-party decoding software is not included. Ensure you have the necessary middleware for specific card types.
Choose this if you need a reliable tool for identity verification alongside standard payments. It offers a versatile solution for secure data reading.
Broad OS Compatibility
Works on Windows, Mac OS, Linux and Android devices without needing extra drivers for immediate use.
High Security Standards
Certified to meet PC/SC 2.0 and EMV standards for high-security military and government authentication.
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4. Clover GO (3rd Generation) – Premium Mobile POS
Clover GO (3rd Generation)
Bluetooth wireless
End to end security
Customizable tax tips
Employee permissions
This device offers end-to-end security and allows custom tax rates and tips for your business needs. It connects wirelessly via Bluetooth to any smart phone.
Pros
- Full wireless pairing
- Strong security protection
- Custom tax rates
- Paperless receipts
- High user rating
Cons
- Requires specific processing
- Dock sold separately
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It supports email or text receipts, making transactions paperless and convenient. Employee permissions ensure only authorized staff access sensitive business data.
Note that it requires processing through SwyftPAY and is for US-based businesses only. Despite this requirement, users praise its reliability and feature set.
Invest in this if you need a premium POS system with strong security and flexibility. Ensure your business meets the processing requirements before buying.
Wireless Connectivity
Pairs with your mobile device through a Bluetooth connection making it fully compatible with any smart phone.
Business Management Tools
Create and manage multiple employee permissions easily so only certain staff see what is under the hood.
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5. Square Terminal – Best All-in-One Device
Square Terminal
All-in-one device
Built-in printer
All day battery
Chip card speed
This unit rings up sales, accepts payments, and prints receipts all in one device. It is ideal for counters or store environments needing a robust solution.
Pros
- Accepts all payments
- Built-in receipt printer
- Next day funding
- All day battery
- Low rate fees
Cons
- Higher upfront cost
- Larger footprint
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It processes chip cards in just two seconds and supports cordless use with a battery designed to last all day. Get your money as soon as the next business day.
While it costs more than simple readers, it simplifies operations by removing the need for a separate printer. This efficiency can save time during busy periods.
Consider this if you need a standalone terminal that handles everything. It is built to work at the counter or anywhere in your store.
Complete POS Solution
Ring up sales, accept payments, and print receipts all with one device to streamline your checkout process.
Fast Transaction Speed
Process chip cards in just two seconds ensuring quick service for your customers every time.
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6. SumUp Plus Card Reader – Solid Mobile Choice
SumUp Plus Card Reader
Bluetooth connection
NFC and RFID
Free SumUp App
Mobile transactions
This reader accepts all major credit and debit cards with no hidden fees or contracts. It is a mobile option to accept payments anywhere and anytime.
Pros
- Accepts major cards
- No long contracts
- Pay anywhere anytime
- Low processing fees
- Simple app
Cons
- Lower user rating
- Limited customization
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You can use the free SumUp App on your smartphone or tablet to start accepting transactions. It simplifies in-person transactions with a simple fee structure.
While it offers basic functionality, the user rating is lower than competitors. This may indicate occasional connectivity or support issues compared to premium models.
Use this if you need a simple, no-commitment way to take payments on the go. Verify current features match your expectations before purchasing.
No Commitments
No hidden fees and no long-term contracts give you flexibility to pay as you go.
Simple Transaction Fee
Simply pay a flat rate per in-person transaction without complex pricing tiers.
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7. SumUp Solo Credit Card Payment Card Reader – Standalone Unit
SumUp Solo Credit Card Payment Card Reader
Touch-screen interface
Free SIM included
Charging station
Reliable Wi-Fi
This device features a full touch-screen interface for managing sales and accepting payments easily. It includes a free SIM card and mobile data for connectivity.
Pros
- Intuitive interface
- Free SIM and data
- Strong battery capability
- Portable device
- Fast setup
Cons
- Low user rating
- Limited support options
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It has strong battery capability with an additional charging station to ensure uptime. Support is available via phone, email, and chat from US-based staff.
Despite its features, user ratings suggest some issues with reliability or connectivity. Ensure you are comfortable with these limitations before investing.
It is a self-contained unit suitable for mobile operations needing internet independence. Check current reviews to confirm performance standards.
Always Connected
Strong reliable Wi-Fi connection with free SIM card and mobile data so you can process payments anywhere.
Control Your Business
Stay in control of your business wherever you go with a truly portable device.
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8. Clover GO (Newest Model) – Compact System
Clover GO (Newest Model)
Bluetooth pairing
Security protected
Employee management
Paperless receipts
This model offers similar benefits to the 3rd gen with wireless Bluetooth connectivity and strong security. It allows customizable tax rates and tip amounts.
Pros
- Connect wirelessly
- End to end security
- Customizable tax and tips
- Manage employee permissions
- Text receipts
Cons
- Requires specific processing
- Lower satisfaction rate
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You can email or text receipts and manage employee permissions to control access. It is designed for US-based businesses requiring specific processing partners.
User satisfaction ratings suggest potential improvements are needed compared to other Clover models. Review the latest features to see if they meet your needs.
Choose this if you prefer the Clover ecosystem but want the newest model. Confirm processing requirements align with your business location.
Employee Control
Create and manage multiple employee permissions easily so only certain employees need to see what is under the hood.
Flexible Receipts
Customers want it their way right down to the receipt with email or text options.
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9. Clover Go Contactless Reader – Limited Availability
Clover Go Contactless Reader
Contactless ready
EMV chip support
No merchant account
iOS and Android
This reader is EMV/Chip ready and works with iOS and Android devices. It is designed for businesses that do not require a separate merchant account.
Pros
- EMV chip ready
- No merchant account required
- Works with iOS and Android
- Contactless capability
- Basic setup
Cons
- Limited quantities
- End of life version
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However, quantities of this version are limited and it may be end of life. Orders may be fulfilled with the most current version of Clover Go.
While it offers basic payment functionality, the availability issues might delay delivery. Ensure the product matches your specific device and account needs.
Consider this if you find stock available and need a simple contactless reader. Check if you are comfortable with the current inventory status.
No Merchant Account
Process payments without needing a traditional merchant account which simplifies setup.
Wide Compatibility
Works with iOS and Android to cover most common mobile devices.
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10. Clover Go Bluetooth Reader (3rd Gen) – Basic Connectivity
Clover Go Bluetooth Reader (3rd Gen)
Bluetooth wireless
End to end security
Tax and tips
Any Clover account
This device offers end-to-end security and customizable tax and tips. It works with any Clover Go account for flexible business use.
Pros
- End to end security
- Custom tax and tips
- Works with any Clover Go account
- Bluetooth connectivity
- Mobile transactions
Cons
- Lower user satisfaction
- Requires setup
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Bluetooth connectivity ensures you can process payments on the go. It is designed for businesses needing reliable mobile transactions without fixed hardware.
User ratings suggest there may be better options depending on your needs. Confirm you are satisfied with the current features before buying.
Select this if you already have a Clover Go account and need Bluetooth support. Ensure it matches your current payment flow.
Secure Transactions
From the moment a card is accepted to the end of the transaction process your data is protected.
Business Customization
Set custom percentage amounts for tips and create multiple tax rates for the things you sell.
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Buying Guide – How to Choose the Best Credit Card Readers for Phones
Selecting the right reader involves checking compatibility, security, and fees. Here are key factors to consider.
Connectivity Options
Devices connect via Bluetooth, USB, or wireless internet. Choose what fits your phone and environment.
Check your phone's ports and decide on wired or wireless based on convenience.
Payment Types Supported
Some readers only take magnetic stripes. Others support chips, contactless, and mobile wallets.
Ensure the reader accepts the payment methods your customers use most.
Security Features
End-to-end encryption and fraud prevention are essential for safety. Look for EMV certification.
Security protects both your business and customer data from breaches.
Fees and Costs
Readers vary from free to expensive. Transaction fees also differ by provider.
Calculate total costs including device and per-transaction fees.
App Compatibility
Most readers need a specific POS app. Ensure it supports your operating system.
Choose a device that works seamlessly with your existing apps.
Battery Life
For mobile use, long battery life is key. Some units need charging stations.
Pick a reader that lasts your busiest shifts without recharging.
Funding Speed
Settlement times range from next day to weeks. Faster funding helps cash flow.
Check processing times before committing to a provider.
Offline Capabilities
Some devices allow offline transactions. This is useful in remote areas.
Look for offline modes if internet is unreliable.
How to Use and Care for Your Credit Card Readers for Phones
Connect your reader to your phone using the supported method like Bluetooth or USB. Open the POS app and log in.
Swipe, tap, or insert cards as directed. Send receipts via email or text if you like.
Keep the reader clean and dry. Charge batteries regularly and store in a safe place.
Frequently Asked Questions
Can these readers work with both Android and iPhone?
Most readers support both platforms but check the specific requirements. Some use Bluetooth which works with both. Others need specific connectors.
Do I need a merchant account to use these?
Many devices come with built-in processing so no separate account is needed. Some providers handle everything. Check the product details.
How long does it take to get paid?
Settlement times vary by provider. Some offer next business day funding. Others take several days. Confirm before buying.
What happens if the internet goes down?
Some readers have offline modes allowing temporary transactions. Others need internet. Check for offline support if needed.
Are there monthly fees for using the reader?
Many options have no monthly fees and charge per transaction. Some have plans. Read the terms carefully before deciding.
Can I accept contactless payments with all models?
Not all do. Many modern ones support tap and mobile wallets. Verify the features list for contactless support.
How secure are these devices?
Top models use encryption and fraud tools. They are designed to be safe. Choose reputable brands for best security.
Final Thoughts on Choosing the Best Credit Card Readers for Phones
Our top picks offer reliability and key features for mobile payments. They balance cost, support, and ease of use for most.
Prioritize security and compatibility with your devices. Also consider fees and funding speed for your business model.
Always verify current availability and specs before ordering. Check for any changes to ensure you get the right device.