Best overall: Square Best for highly customizable payment workflows: Stripe Best for tailored POS setups: Clover Best for interchange-plus pricing: Helcim Best for e-commerce businesses with in-person sales: Shopify Finding the right credit card payment app is crucial as the need for secure, scalable, and feature-rich payment solutions grows. With tools designed to streamline operations, improve customer experiences, and support diverse payment methods, these apps empower businesses to stay competitive in an increasingly digital business environment. Related: Best mobile credit card processing solutions Top credit card payment apps comparison The credit card payment apps below are my top picks based on pricing, app features, user experience, and my own hands-on testing and research. These apps are available for Apple and Android devices and offer ways to accept credit card payments. While some credit card processing apps only offer limited functionality, the top six apps all provide levels of scalability, whether in terms of volume processing, additional business tools, or bigger POS setups. Our rating (out of 5) Starting monthly cost Tap to Pay Transaction fee Integration options Square 4.46 $0 iPhone & Android 2.6% + $0.10 APIs, third-party integrations, Square App Marketplace Stripe 4.31 $0 iPhone & Android 2.7% + $0.05 APIs, extensive third-party integrations Clover 4.31 $14.95 iPhone only 2.6% + $0.10 APIs, App Market plugins Helcim 4.28 $0 iPhone only Interchange + 0.40% + $0.08 APIs, limited third-party integrations Shopify 4.18 $39 iPhone & Android APIs, Shopify App Store Square: Best overall Our rating: 4.46 out of 5 Image: Square Square is a leader in the credit card payment app space, offering a seamless blend of hardware, software, and payment processing that caters to businesses of all sizes. Its robust ecosystem includes everything from a free point-of-sale (POS) app to advanced tools for inventory management, team coordination, and customer engagement. What sets Square apart is its ease of use combined with powerful features, like Square Online for e-commerce and built-in integrations with accounting and marketing platforms. Unlike many competitors, Square doesn’t charge monthly fees for its core services, making it an ideal choice for businesses seeking affordability without compromising functionality or scalability. Why I chose Square When it comes to easy and affordable ways to accept credit card payments, Square is one of my go-to’s. There are no upfront costs to use the payment app, and its seamless integration of POS systems, payment processing, and ecommerce tools ensures you can handle both in-person and online transactions effortlessly. With support for Tap to Pay on both iPhone and Android, Square makes accepting contactless payments simpler than ever, eliminating the need for additional hardware in many cases. Although Square has paid add-ons, I think its free features are impressively robust. It covers essential needs, such as sales tracking, customer management, and inventory control. These free tools allow you to start small and scale as needed without a heavy upfront investment. Pricing App subscription — $0 per month. Account fee — $0 per month. Processing fees. In-person — 2.6% + $0.10. Online — 2.9% + $0.30. Manually entered — 3.5% + $0.15. Invoices — 3.3% + $0.30. Minimum cost for additional hardware — $0 (free magstripe reader) Features Free Square account includes POS, mobile app, invoicing, virtual terminal, and payment links for online transactions. Square supports Tap to Pay on both iOS and Android, allowing contactless payments without additional hardware. Includes a free mobile card reader with every signup; in-person transaction rates are transparent and competitive. Robust reporting, inventory management, and customer engagement tools are built into the app at no extra cost. Offers add-ons like payroll, marketing, and team management tools at affordable prices for growing businesses. Square credit card payment app home page. Image: Square Pros and cons Pros Cons Free features like POS, invoicing, and payment links. Free card reader and supports Tap to Pay on iPhone and Android. Intuitive and user-friendly app. High-volume businesses need to request custom rates. Limited customer support hours. Potential account holds. Stripe: Best for highly customizable payment workflows Our rating: 4.31 out of 5 Image: Stripe The Stripe Dashboard app is a powerhouse for businesses that require highly customizable payment workflows. Unlike many competitors, Stripe’s app empowers developers and tech-savvy businesses with robust APIs, enabling tailored payment experiences across various platforms. Its advanced features include real-time insights into payment activity, fraud detection tools, and streamlined management of subscriptions and invoices. What sets it apart is its unparalleled scalability—whether you’re processing a few transactions or managing global payment operations, Stripe adapts seamlessly. With support for over 135 currencies and payment methods, it’s an excellent choice for businesses with diverse customer bases or international ambitions. Related: Best international merchant accounts Why I chose Stripe For businesses that require flexible and customizable payment workflows, I think Stripe is an unbeatable choice. Its robust APIs and developer-friendly tools make it easy to design tailored payment solutions that integrate seamlessly with your existing systems. Whether you’re handling subscriptions, marketplace payments, or one-time transactions, Stripe’s flexibility ensures that your workflow aligns perfectly with your business needs. Plus, with support for Tap to Pay on both iOS and Android, Stripe simplifies contactless payments, reducing the need for additional hardware. While Stripe offers premium add-ons, its core features—like real-time payment tracking, advanced fraud detection, and multi-currency support—are highly valuable on their own. These tools enable businesses of all sizes to scale effortlessly, manage international transactions, and maintain control over their payment processes with minimal friction. Pricing App subscription — $0 per month. Account fee — $0 per month. Processing fees. In-person — 2.7% + $0.05. Online — 2.9% + $0.30. Manually entered — 3.4% + $0.30. Invoices — 3.1% + $0.05. Minimum cost for additional hardware — $59 (Stripe Reader M2) Features Highly customizable payment workflows through advanced APIs. Multi-currency support for seamless international transactions. Real-time payment tracking and analytics. Advanced fraud detection with machine learning tools. Options for subscription management and recurring billing. Integration with over 100 third-party apps and tools. Scalable infrastructure suitable for startups and enterprises.