With mobile credit card processing services, it is easier for merchants to accept card payments and sell products from any location with a tablet or a smartphone. The best mobile payment processing tools should be reliable and have a reasonable transaction fee. Moreover, they must function offline and come with a free, user-friendly business management app. Let us look at some of the best options that are beneficial for small and large businesses alike.

Square
Square ranks at the top of the list of mobile payment processing tools. It is particularly beneficial for small businesses. Square has no startup or monthly fees and is easy to use. Once the app is installed, one can easily start using the tools within no time. The app is compatible with iOS and Android devices and even works offline. Its flawless inventory program adds to its likability.

However, its transaction fees are one of the most expensive in the market, but the extensive features it offers makes up for it. For instance, you get banking service, something only PayPal offers. Moreover, it also has exquisite POS software for appointment-based businesses and restaurants. In addition, it also has an online store, Shopify. You get several tailored volume discounts for business processing of more than $250000 per year with average transactions of more than $15. Lastly, you also get multiple plans to pick from.

Clover
Clover is an excellent mobile payment processing software and one of the top competitors for Square. With Clover Go, you get a mobile card reader that costs $49. It accepts payment by tap, dip, or swipe. Its POS is free, and the Starter Plan also has zero monthly fees. Clover is compatible with iOS and Android devices with Bluetooth. You receive round-the-clock phone support, which sets it apart from the other providers in the market. Customers can choose to avail of the receipt via email or text. But sadly, the details around the pricing and production options may be tricky to locate on its website. Also, you will have to sign the contract to use Clover, and its card-present transaction fee is 2.6 percent plus 10 cents for every transaction.

PayPal Zettle
It is famous as an online payment system. PayPal Zettle also provides a no-cost POS solution and a pocket-friendly mobile credit card reader, costing $29 for the first time and $79 for every reader required. Since it is a chip reader, you can take Google Pay, Samsung Pay, Apple Pay, and contactless card payments. In addition, you can also receive payments over the phone and via custom gift cards.

One of the standout features of PayPal Zettle is its ability to accept Venmo and PayPal payments. The customers can transfer via the online payment system, or you can create a QR-coded invoice for the customers to scan on the dedicated PayPal Zettle application. It has one of the lowest flat-rate transaction fees. You can use its POS features to manage the sales, inventory, and staff sans any monthly fee. Thus, if you wish to take alternative payments, PayPal Zettle can be a good choice.

SumUp
SumUp is another popular mobile payment processing software available in thirty-one countries. It supports cards with EMV, has a lithium-ion battery, and is powered via a micro-USB port. SumUp is an ideal choice for lower-volume users because it has a fixed transaction cost, no minimum usage level or monthly fee. You can connect the card reader via Bluetooth to an Android or iOS phone via a downloadable app. It also supports various credit cards, such as Discover Card, American Express, Visa, and MasterCard, and services, such as Google Pay and Apple Pay. Bank account payouts might take one to two days. That said, you will need a card reader for every transaction because you cannot enter them manually.