Skip to content

Top Mobile Payment Apps

The use of smartphones in processing credit card payments is not a new thing to many. In fact, the practice is currently well accepted, thanks to its affordable setup costs and few-commitment contracts offered by most service providers. It’s no surprise that most merchants are beginning to rely exclusively on free Android and iPhone mobile processing apps as their main means of accepting all credit card payments.

Indeed, this is a very cost-effective method of taking credit card payments for specific business type, for instance, individual contractors and other one-register locations. On the other hand, established businesses with high processing volumes are better off utilizing mobile payment apps as a secondary processing option.

Discover below some of the best mobile card processing apps available for both Android and iPhone. These providers have been rated depending on the cost-effectives, customer service, and consumer reviews. Also note that some options are a perfect fit for one-register locations whereas others serve well as additions to full-time traditional merchant accounts. Most of these service providers also enable third-party integration with services like QuickBooks. It is however important to visit each of these providers’ sites to check for the latest features and pricing.


Fattmerchant has been actively providing retailers with merchant accounts since 2014, its main goal being to offer flat-rate pricing with a subscription model.

Services Include;

  • NPC Mobile (for both Android & iOS)
  • EMV-compatible countertop terminals,
  • virtual terminal
  • Payment gateway
  • Shopping cart
  • QuickBooks integration
  • Online invoicing
  • Recurring billing

Fattmerchant has several pricing offers with different rates. You can go for; flat fee plan—charges a flat rate on all transactions, or the fixed monthly fee plan that also includes a fixed rate per-transaction amounts exceeding interchange.

Host Merchant Services

Host Merchant Services is a merchant account provider and the company behind “HMSPay”— a free mobile credit card processing app that comes with a free reader for qualified businesses.

Other Host Services include;

  • Point-of-sale solutions
  • Online marketing tools
  • Online payment gateway
  • Virtual terminal

Host has an interchange-plus pricing structure (with no early cancellation fees) which means you enjoy a transparent pricing plan and terminate the service without penalty.

Wrapping Up

If you haven’t added mobile payment as an option for your customers then you must be reducing your bottom line. Many consumers prefer it for its speed and ease of use. So if you can’t have it as your primary means, add it as a secondary option.