Square Reader for magstripe (USB-C)
4.6Editor score
Compact design for easy portability
Free point of sale app included
Quick setup with no long commitments
In this guide
Finding the right credit card reader for your phone can transform how you accept payments on the go. Whether you run a pop-up shop or manage a service business, having reliable hardware ensures you never miss a sale.
We evaluated ten leading models based on connectivity, security features, and ease of use. Our comparison focuses on real-world performance to help you choose the device that fits your specific operational needs and budget constraints.
Each pick highlights key strengths and limitations so you can make an informed decision quickly. Keep in mind that pricing and availability fluctuate frequently, so verify the latest details before finalizing your purchase 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 for all day use
Secure payments with fraud prevention
Clover GO (3rd Generation)
5.0Editor score
Wireless Bluetooth connection to mobile
End to end data security protection
Customizable tips and tax settings
Top 10 Best Credit Card Readers for Phones in 2026 Compared
The following table provides a side by side overview of all ten models including their key specifications and direct links to view current availability on Amazon.
ProductsSpecificationsEditor scorePrice
Best Budget
Square Reader for magstripe (USB-C)
Connects via USB-C port
Works with Apple devices
Accepts magstripe cards only
No monthly fees required
4.6Editor score
Editor's Choice
Square Reader for contactless and chip
Supports contactless and chip
Improved connectivity and battery
Offline payments for 24 hours
Enhanced security features included
4.5Editor score
Best Premium
2-in-1 Smart Card Reader with NFC
Supports CAC and military ID
Dual-head USB-A and USB-C
Works on Windows Mac and Linux
Certified for high security use
4.3Editor score
Clover GO (3rd Generation)
Bluetooth wireless connectivity
Requires SwyftPAY processing
Paperless receipts via email
Multiple employee permissions support
5.0Editor score
Square Terminal
All in one POS device
Built-in battery for all day
Prints receipts directly
Accepts all major card types
4.5Editor score
SumUp Plus Card Reader
Bluetooth and NFC support
Free SumUp app included
Low transaction fee rate
No long-term contracts needed
3.8Editor score
SumUp Solo Credit Card Payment
Full touch-screen interface
Includes free SIM card
Standalone mobile data connection
Fast setup upon registration
3.5Editor score
Clover GO (Newest Model)
Bluetooth pairing with phone
Requires Powering POS processing
End to end data security
Employee management features
3.6Editor score
Clover Go Contactless Reader
EMV chip ready
No merchant account required
Works with iOS and Android
Limited quantities available now
4.0Editor score
Clover Go Bluetooth Reader (3rd Gen)
Payments on the go ready
No merchant account needed
Works with any Clover account
Tips and taxes customizable
3.6Editor score
1. Square Reader for contactless and chip – Best Overall Card Reader
Square Reader for contactless and chip (2nd Generation)
Contactless and chip support
Extended battery life
Offline payments up to 24h
Enhanced connectivity features
The Square Reader for contactless and chip stands out as the top choice for modern mobile payments. With a strong 4.5 star rating, it balances functionality and security effectively for small businesses seeking reliability.
Pros
- Accepts Apple Pay and Google Pay
- No monthly fees or contracts
- Enhanced security and fraud prevention
- Simple and customizable POS setup
- Reliable performance anywhere
Cons
- Higher upfront cost than magstripe
- Requires Square account setup
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Its key strengths include accepting contactless payments, chip cards, and digital wallets like Apple Pay. The device offers improved connectivity and extended battery life, ensuring you can operate throughout the day without interruption.
While the price is higher than basic magstripe readers, the added security and offline capabilities justify the investment. You can keep taking payments for up to twenty four hours even without internet access.
Ideal for retailers and service providers who need versatile payment options, this reader is a solid investment. It provides data security and dispute management at no extra cost, making it a complete solution.
Versatile Payment Acceptance
Accepts tap to pay chip cards and mobile wallets for maximum customer convenience.
Offline Capability
Continues to process payments for up to twenty four hours without internet connection.
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2. Square Reader for magstripe – Best Budget Card Reader
Square Reader for magstripe (USB-C)
USB-C connectivity
Magstripe only support
Free POS app included
No long-term commitments
For those on a tight budget, the Square Reader for magstripe offers an affordable entry into mobile payments. Rated 4.6 stars, it is perfect for businesses that primarily deal with swipe cards.
Pros
- Very affordable price point
- Quick and easy setup
- Free Point of Sale app
- Compact and portable design
- Next business day payouts
Cons
- Only accepts magstripe cards
- Not compatible with chip taps
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This reader connects via USB-C and works seamlessly with the free Square Point of Sale app. You can track sales, manage inventory, and send digital receipts without paying monthly fees.
The main limitation is its inability to read chip or contactless cards. However for for low volume sellers or specific use cases, this remains a functional and cost effective tool.
Choose this if you need immediate payment processing without upfront investment. It gets your money as soon as the next business day and requires no long-term contracts.
Cost Effective Start
Begin accepting payments with minimal upfront cost using this simple magstripe reader.
Free Software Integration
Pair with the free Square app to manage your business all in one place.
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3. Clover GO – Best Premium Card Reader
Clover GO (3rd Generation)
Wireless Bluetooth connection
End to end security
Customizable tips and taxes
Paperless receipts via email
The Clover GO (3rd Generation) achieves a perfect five star rating, reflecting its high quality and reliability. It pairs wirelessly with your mobile device for a seamless payment experience anywhere.
Pros
- Perfect five star rating
- Secure Bluetooth connectivity
- Customizable employee permissions
- Easy to use interface
- US based processing support
Cons
- Requires specific SwyftPAY processing
- Higher price point
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Security is paramount with this reader as it provides end to end encryption for all transactions. You can also set custom tips and tax rates while managing employee permissions easily.
Keep in mind this device requires processing through SwyftPAY and is for US based businesses only. While more expensive, the robust features and security make it a premium choice.
Best for established businesses needing advanced controls and secure transactions. The ability to text or email receipts adds convenience for both you and your customers.
Advanced Security
Protects customer and business data with end to end encryption during transactions.
Business Management
Allows creation of multiple employee permissions to control access to sales data.
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4. 2-in-1 Smart Card Reader – Best for Government ID
2-in-1 Smart Card Reader with NFC
Supports CAC and military ID
Dual-head USB-A and USB-C
Works on Windows Mac and Linux
FCC and CE certified
This reader serves a unique niche by supporting CAC and military IDs alongside standard credit cards. Rated 4.3 stars, it is ideal for government or field verification scenarios.
Pros
- Specialized for military cards
- Plug and play setup
- Compatible with multiple OS
- Durable travel friendly construction
- High-speed USB 2.0 transmission
Cons
- Not for general credit card sales
- Complex for standard retail use
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It features a dual-head cable with USB-A and USB-C ensuring compatibility across various devices. The plug and play design means no drivers are needed for immediate use on Windows or Mac.
The unit is certified for high security and meets EMV standards for government authentication. It comes with a reinforced cable and includes LED and buzzer prompts for feedback.
Choose this if you handle identity verification for military or government clients. It offers reliable after-sales service with a 24-month warranty and lifetime technical support.
Secure Authentication
Certified to meet high security military and government standards for identity checks.
Multi OS Compatibility
Works seamlessly across Windows Mac Linux and Android without extra drivers.
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5. Square Terminal – Best All-in-One System
Square Terminal
All in one device
Built-in battery
Prints receipts
Accepts all major cards
Square Terminal combines payment acceptance with point of sale capabilities in a single device. With a 4.5 star rating, it is perfect for businesses wanting to avoid carrying phones for transactions.
Pros
- Rings up sales and prints receipts
- Cordless with long battery life
- Processes chip cards in seconds
- No long-term contracts
- Next business day payouts
Cons
- Most expensive option listed
- Heavier than phone readers
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You can ring up sales accept payments and print receipts directly from this unit. The built-in battery allows cordless use designed to last all day without charging interruptions.
It accepts all major credit and debit cards with one low rate and no hidden fees. The hardware is designed for counter use but is portable enough for in-store mobility.
Best for retail environments needing dedicated hardware for customer interaction. The speed of processing chip cards in just two seconds keeps lines moving efficiently during peak times.
Dedicated Hardware
Provides a standalone solution that does not rely on your personal mobile device.
All Day Battery
Built-in battery designed to last all day for consistent operation.
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6. SumUp Plus – Best Bluetooth Option
SumUp Plus Card Reader
Bluetooth and NFC support
Free SumUp app
Low transaction fees
No long-term contracts
The SumUp Plus offers a straightforward solution for businesses needing Bluetooth and NFC capabilities. Rated 3.8 stars, it provides a mobile alternative to wired readers for flexibility.
Pros
- Accepts major cards and NFC
- Free mobile app included
- No hidden fees or contracts
- Portable anywhere anytime use
- Simple setup process
Cons
- Lower rating than competitors
- Limited features compared to others
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You pay one low rate with no hidden fees or long-term contracts making it transparent. The free SumUp app allows you to start accepting transactions quickly on your smartphone.
While the rating is lower than others, it remains a valid option for occasional sellers. It accepts all major credit and debit cards and works anywhere you have your phone.
Consider this if you prefer a simple setup without complex POS requirements. The mobile nature ensures you can accept payments anytime without tethering to a specific port.
Flexible Connectivity
Uses Bluetooth and NFC to accept payments anywhere without physical cables.
Transparent Fees
No hidden fees or long-term contracts for clear pricing structure.
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7. SumUp Solo – Best Standalone Device
SumUp Solo Credit Card Payment
Full touch-screen interface
Free SIM card included
Mobile data connection
Charging station included
SumUp Solo is a standalone device with a touch-screen interface and included mobile data. Rated 3.5 stars, it allows you to process payments without relying on a smartphone.
Pros
- Independent of mobile phone
- Intuitive touch-screen UI
- Reliable Wi-Fi connection
- US-based support available
- Fast setup on website
Cons
- Higher cost than app-based readers
- Lower user rating
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It includes a free SIM card for mobile data so you can stay in control wherever you go. The battery capability is strong and comes with an additional charging station for convenience.
Support is available through US-based channels via phone email and chat when needed. Setup is fast and hassle-free upon registration on the SumUp website or app.
Best for those who want an independent payment device separate from their personal phone. The strong connection ensures reliability even if you do not have a mobile signal.
Independent Operation
Processes payments without needing to pair with a separate mobile device.
Included Data
Includes free SIM card and mobile data for reliable connectivity.
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8. Clover GO (Newest) – Best for Employee Controls
Clover GO (Newest Model)
Bluetooth connection
End to end security
Custom tips and taxes
Employee permissions
The newest model of Clover GO offers the same premium features with updated connectivity. Rated 3.6 stars, it focuses on business management capabilities alongside secure payment acceptance.
Pros
- Pairs with any smart phone
- Secure transaction data
- Manage employee access easily
- Email or text receipts
- US-based processing support
Cons
- Requires Powering POS processing
- Lower rating than older models
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It pairs wirelessly via Bluetooth and provides end to end security for all transaction data. You can create multiple employee permissions to control who sees what under the hood.
Customers appreciate the ability to receive paperless receipts via text or email. The setup allows custom tips and tax rates for flexibility in pricing various items.
Ideal for small teams needing to manage access levels securely. Just ensure you are ready to process through Powering POS as required by the device.
Employee Management
Create and manage multiple employee permissions to control business access.
Paperless Options
Email or text receipts to customers for convenience and record keeping.
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9. Clover Go Contactless – Best for Chip Transactions
Clover Go Contactless Reader
EMV chip ready
Contactless payment support
No merchant account needed
iOS and Android compatible
This reader allows you to accept contactless and chip transactions without a traditional merchant account. Rated 4.0 stars, it is designed for simplicity with iOS and Android devices.
Pros
- Accepts modern chip cards
- No merchant account required
- Works on iOS and Android
- Limited quantities available
- Reliable payment processing
Cons
- End of life product note
- Fulfillment may vary
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EMV and chip ready technology ensures compatibility with modern secure cards. It works directly with the Clover Go system allowing you to bypass complex setup steps.
Note that quantities are limited and orders may be fulfilled with the current version. Always check the specific availability before purchasing to ensure the right model is shipped.
Best for those needing quick access to chip reading without complex contracts. The ease of use makes it a practical choice for small mobile transactions.
Modern Card Support
Accepts EMV and chip cards ensuring compatibility with secure payments.
No Account Needed
Requires no merchant account for simplified entry into payments.
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10. Clover Go (3rd Gen) – Best Portable Choice
Clover Go Bluetooth Reader (3rd Gen)
Bluetooth connection
No merchant account required
Tips and taxes customizable
Works with Clover account
The third generation Bluetooth reader is designed for payments on the go without account constraints. Rated 3.6 stars, it works with any existing Clover Go account seamlessly.
Pros
- Works with any Clover Go account
- End to end security
- Easy to setup online
- Email and text receipts
- US based business support
Cons
- Requires account signup
- Lower user rating
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Security is prioritized with end to end encryption protecting data from card acceptance to completion. You can customize tips and tax rates for various items you sell easily.
It supports paperless receipts so customers can get their proof of purchase via email. The setup is simple but requires an existing or new Clover Go account to function.
Ideal for mobile vendors or businesses already in the Clover ecosystem. Its Bluetooth connectivity ensures you can process payments anywhere your phone reaches.
Account Flexibility
Works with any existing Clover Go account for easy integration.
Custom Taxes
Set custom percentages for tips and multiple tax rates for different items.
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Buying Guide – How to Choose the Best Credit Card Readers for Phones
Selecting the right reader depends on your transaction needs device compatibility and budget constraints.
Connection Type
Readers connect via Bluetooth, USB-C, or Lightning ports. Bluetooth offers the most flexibility while wired connections are more stable.
Payment Methods
Decide if you need contactless, chip, or magstripe support. Most modern businesses require EMV chip readiness for security.
Processing Fees
Compare transaction rates and monthly fees. Some charge flat rates while others have hidden costs or subscription fees.
Device Compatibility
Ensure the reader works with your phone's OS. Some support both Android and iOS while others are limited to one platform.
Battery Life
For Bluetooth units, check battery duration. All-day use requires a robust battery to avoid interruptions during busy hours.
Security Features
Look for encryption and fraud prevention. End-to-end security protects customer data and builds trust with your clients.
Offline Capability
Some readers store transactions when offline. This is useful for areas with poor connectivity or temporary internet outages.
Account Requirements
Some devices require specific payment processors. Check if you need to sign up for a new merchant account to use them.
How to Use and Care for Your Credit Card Reader for Phones
Download the companion app from your device store and create an account. Ensure your phone's operating system is updated for compatibility with the reader app.
Pair the reader via Bluetooth or plug it into your phone securely. Open the app and enter test transaction mode to confirm the connection is stable.
Protect your reader from extreme temperatures and moisture. Keep the connection port clean from dust to prevent reading errors during transactions.
Frequently Asked Questions
Do I need a merchant account to use these readers?
Many readers like Square work with their built-in processing so no separate account is needed. Others may require you to sign up with a specific payment processor to function.
Are these devices secure for customer data?
Yes most modern readers use end-to-end encryption to protect card data during transactions. This reduces the risk of data breaches significantly for small businesses.
Can I accept contactless payments with these readers?
Many models support tap-to-pay for Apple Pay and Google Pay. Check the specific product details to confirm if contactless is included.
What happens if the internet goes down while selling?
Some readers can store transactions offline and process them later. This ensures you never lose a sale during connection outages.
Do these readers work with both Android and iPhone?
Most work with both but you should verify compatibility before buying. Some older models may be limited to one operating system only.
How long does it take to get paid after selling?
Most processors deposit funds within one to two business days. Some offer instant transfers for a small fee to access funds faster.
Is there a monthly fee to use the reader?
Many popular readers have no monthly fees and charge per transaction instead. Check the pricing model to ensure it fits your budget.
Can I use these readers at different locations?
Yes these mobile readers are designed to work anywhere you have internet. They are portable and perfect for vendors or services on the go.
Final Thoughts on Choosing the Best Credit Card Readers for Phones
We highlighted the Square Reader for contactless and chip as the top choice for its balance of features and security. It handles all major payment types seamlessly for most business needs.
For budget-conscious buyers the Square Reader for magstripe offers the simplest entry point with low upfront costs. Premium users might prefer the Clover GO for its advanced controls.
Always check the latest pricing and availability before purchasing to ensure you get the best deal. Select the device that aligns with your daily transaction volume and technical requirements.