While Square’s free POS and reasonable transaction rates make it great for those selling at the occasional farmers market or conference, it can also grow with the ambitious entrepreneur. For Android, it has 4.8 stars and more than 187,000 reviews. In the Apple App Store, it has a 4.8 rating out of 5 based on nearly 372,000 reviews. Square ranks number one on our lists of best free credit card readers for iPhones and Android, and also leads our list of best mobile credit card readers. What’s New: Square’s mobile app now includes tap-to-pay for iPhone users. PayPal Zettle and SumUp are similarly free but without the “expansion packs.” Meanwhile, Payanywhere also has a free plan, plus custom pricing plans with monthly fees and lower transaction rates. Loyalty Program: Starts at $45 per month.Payroll: $35 per month plus $5 per employee.Square Plus (Advanced Retail and Restaurant): $60 per month.Square Plus (Appointments): $0–$69 per month.For example, SumUp’s 2.75% for in-person transactions may seem higher, but Square’s additional 10 cents per transaction can add up, especially if you have low-dollar-value transactions. Square’s fees are somewhat higher than many apps for credit card payments on our list. Volume discounts: Custom pricing for businesses processing over $250,000 in credit card sales.Buy-now-pay-later: 6% + 30 cents with AfterPay.Online: 2.9% + 30 cents per transaction.Keyed-in: 3.5% + 15 cents per transaction.In-person: 2.6% + 10 cents per transaction.
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