Credit Card Reader and App Review

As you know, long gone are days of cumbersome credit card sliders stamping paper copies for vendors and buyers. As we keep moving forward the large, stationary credit card readers bolted onto countertops are also becoming a thing of the past. If you are a business owner looking to find a quick and nimble way to process credit cards, you’ll want to check out mobile readers and apps.

If you are a business owner looking to not have to invest in expensive countertop credit card readers, what offers just might be for you. If you’re seeking a nimble and quick way to process credit and debit cards, you’ll want to take a look at mobile readers and apps that more than one company are making.

There are numerous credit card reader and app companies out there. Today, we want to break down the software and hardware that delivers.

PayAnywhere Tablet Swiper Credit Card Reader Short Review

What’s the upside of PayAnywhere credit card readers?

  • The software and hardware is free
  • Per swipe costs start at 2.69%
  • No need for installation of hardwired credit card reader “box”
  • Extremely user-friendly / learning curve
  • 24/7 Support
  • The reader can take Visa, MasterCard, Discover and American Express
  • The reader fits into the headphone jack and is compatible with iPhone, iPad, iPod touch, most Android smartphones or tablets, and BlackBerry smartphones

What’s the downside of PayAnywhere credit card readers?

There’s no start-up fee for the PayAnywhere reader. The hardware and app are free. Although that does assume you have a “smart” device to plug the hardware into and use the application on (such as an iPhone, Android or compatible tablet).

If you are going to personally be processing these payments, then it is simple to do this on your own device. If you are going to have employees processing these payments, it’s likely you’ll need to fork out the cash for a device rather than being liable for your employee’s personal device. Credit Card Reader Extended Review

So how does stack against the market it’s entering?


The below graphic is from PayAnywhere’s website. They don’t list who they are comparing their pricing against, but I found it to be Square which is a leader in marketshare. PayAnywhere’s per swipe fee isn’t significantly lower (2.69% vs. 2.75%), but Square has significantly higher entrance fees to get the hardware compared to PayAnywhere’s free headphone slot plug-in.

PayAnywhere charges 3.49% + plus 19 cents for keyed-in / typed transactions.

PayAnywhere Pricing Table


No monthly fees, no minimums. Funds are transferred within 2 business days of processing.

Support doesn’t bury their Support number under layers and layers of knowledge base articles. The number is right there on top of their website. Whereas with other company’s customer service departments, you might have to dig around to find a number or enter a trouble ticket first before you can connect with a homosapien.

The App

Viewing transaction details is a piece of cake, such as the sale amount, tax, discount, and even tip. You can also see graphs of your top sales days, produce a variety of custom reports, and set it up to send reports to you via email automatically.

Should you try the reader and app?

If you own a business, absolutely. It’s free. And it’s quality. Who can complain about free, quality things? If you don’t like it, there’s no cancellation fee.

If you want to try it, all you have to do is apply at and they’ll mail you the reader for free with no obligation.

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