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The Top 5 Smartphone Card Readers

This article will explain how credit card machines for iPhone and Android models work. It will also take a look at the best iPhone card readers and Android card readers available in the UK.

Credit Card Machines For iPhone And Android

Technology is moving forward quickly, and while some businesses are only beginning to use Chip and PIN and Contactless card payments, others are moving ahead with more innovative methods of payments.

A number of payment providers are now offering credit card machines for mobile phones like the iPhone, and Android card readers, which can handle most credit card transactions.

Credit card machines for smartphones are popular with sellers who don’t necessarily have a permanent ‘base’ from where they can process cards. These are often smaller businesses and sole traders. Ideal for processing payments on the move, credit card machines for Android and iPhones are a low cost solution for small businesses and individuals.

smartphone card reader

How Credit Card Machines for iPhones Work

There are a few different options available for iPhone users and Android users who want to accept credit card transactions. They are usually made up of a combination of an app and a card reader, which will connect to your phone by Bluetooth or plug in to the headphone jack.

Both Android devices and iPhones can connect to mobile card readers this way.


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Best Smartphone Card Reader In The UK

There are many options for merchants looking to take card payments with an Android device or iPhone in the UK. Below we have detailed some of the most popular solutions.

Some of the provider names will be familiar, as they have already been offering the same service in the US. In the UK, these companies provide chip & pin readers, while in the US swipe readers are more common.

PayPal, for example, offers PayPal Here as a bluetooth chip & pin reader in the UK, and as a swipe reader that connects to the phone via the headphone jack in the US.

ProviderCard ReaderFeatures
PayPalPayPal Here• Accepts debit cards, credit cards and PayPal payments
• Card reader costs £49.95
• Contactless will soon be available
• Connects via Bluetooth
IntuitIntuit Pay• Accepts debit cards and credit cards
• Customisable receipts
• No PCI compliance fees
• Connects via Bluetooth
iZettleCard Reader Lite• Accepts ccredit and debit cards
• Free with an iZettle account
• Smallest smartphone card reader & longest battery life
• Connects via cable to the phone's headphone jack
iZettleCard Reader Pro Contactless• Accepts debit cards, credit cards and Apple Pay
• Accepts contactless payments
• Card reader costs £79
• Connects via Bluetooth
PaylevenPayleven Chip & Pin Reader• Accepts credit and debit cards
• Card reader costs £49
• Connects via Bluetooth

PayPal Here

paypal here card reader for android card reader reviewPaypal Here is a reader and app option that is a reliable and discreet payment processor that can be used anywhere and offers Chip and PIN capability.

PayPal’s mobile card processing tool is a handy and reliable asset for businesses, particularly those who already use PayPal for their business.

PayPal’s system is easy to set up, with a quick app download, and then an initial payment of £49.95 to order a card reader, which will connect via Bluetooth to enable you to take the payments.

Very user-friendly, it can be used by multiple users, making it ideal for shops, restaurants, conferences and events. A transaction fee of 2.75% applies, which is a more affordable solution than some credit card payment methods.

Intuit Pay

intuit pay for iphone card reader review

Intuit Pay’s mobile app is free to download and is easy to use to take payments on the move via an iPhone or iPad. All that users need to do is fill out the card details and process the payment. The app doesn’t store personal data and offers a secure payment method from the leading credit card provider.

A low cost solution for businesses, users pay a 2.75% transaction fee and there is no monthly fee to pay, meaning that the service can be cancelled at any time. If users wish, they can also purchase a card terminal although it’s not a requirement to use the service.

Using credit card machines via your iPhone is a simple way to process payments, without the need for additional equipment, set up fees and gives you the opportunity to process payments on the go.

It’s possible to get offer great services to your customers without having a physical card terminal to hand. The products reviewed above are just some of the options available through different merchant account services.

iZettle Card Reader Lite & Pro Contactless

izettle card readers for android card readers reviewiZettle's card reader solution comes in 2 options. The Lite version is free when you open an iZettle account. It is the smallest, lightest smartphone chip & pin reader on the market.

Because it doesn't have a screen, it's battery lasts much longer than most other card readers for Android and iPhone. The iZettle Card Reader Lite connects to the smartphone via the headphone jack. Not using Bluetooth also contributes to its great battery life.

The iZettle Card Reader Pro Contactless is the updated version of the Card Reader Pro. As the name suggests, the new version is able to take contactless payments. The card reader costs £79.

The Pro Contactless connnects to Android devices and iPhones by Bluetooth. Both the Pro and the Lite readers can be charged using USB.

iZettle has a sliding fee scale, which means that their fees go down the more transactions you process per month. The standard transaction fee is 2.75%, which is the rate every transaction will be billed at. If you hit the next tier up, and the transaction fee goes down, you will get a refund on the excess transaction fees at the end of the month.

The first tier at which fees start going down is a spend of £2000. The fees are the same no matter whether you use the Lite or the Pro Reader. iZettle doesn't charge any contract fees.

Payleven

payleven card reader for android card reader reviewPayleven's chip & pin card reader costs £49. It's available from Payleven's website and also from retailers like Staples.

The Payleven card reader can accept debit and credit card payments and connects to a phone via Bluetooth.

Payleven also have a sliding fee scale starting at 2.75%. The first tier at which the fee drops is a spend of £2500.

Next Steps

Get details for the most relevant merchant accounts services for your business by completing the form at the top of the page where Expert Market will bring you matches based on your requirements.