Skip to content

Instantly share code, notes, and snippets.

@mybestaintfree
Created July 28, 2024 18:01
Show Gist options
  • Save mybestaintfree/1768e142dd184a93e88662abf747f77e to your computer and use it in GitHub Desktop.
Save mybestaintfree/1768e142dd184a93e88662abf747f77e to your computer and use it in GitHub Desktop.
Pay Securely Anywhere - 19 Best Credit Card Readers for Businesses of All Sizes
title
Pay Securely Anywhere - 19 Best Credit Card Readers for Businesses of All Sizes

Pay Securely Anywhere: 19 Best Credit Card Readers for Businesses of All Sizes

Credit-Card-Reader-1

Welcome to our roundup of the best Credit Card Readers on the market today. We've scoured the internet to bring you a list of top-rated products to help you make the most of your purchases. Whether you're a small business owner or an individual looking to streamline your shopping experience, this article has got you covered.

Our team of experts has curated a collection of the finest credit card readers available, ensuring that each item in our roundup boasts top-notch performance, user-friendly features, and excellent customer support. Dive into our comprehensive reviews and discover the credit card reader that best suits your needs and preferences.

As an Amazon Affiliate we earn through qualified purchases at no cost to you

Reviews

tx-systems-scr3310-usb-smart-card-reader-1

As a regular user, I recently got my hands on the TX Systems SCR3310 USB Smart Card Reader and found it to be quite impressive! The setup was a breeze, and I was able to start using it right away without any hassle.

With the SCR3310, I've noticed that it supports USB and all relevant security standards, making it a reliable and smooth experience. The smart card reader is compatible with various operating systems, which is a huge plus for people like me who work on different devices.

One thing that stood out to me is its high communication speed performance. It made the process of using smart cards for different applications a lot faster and more efficient. However, there were some instances where the card reader struggled to read certain types of cards, but overall, it was a great experience.

The build quality of the SCR3310 is sturdy and durable, which speaks volumes about its craftsmanship. The device is compact and portable, making it perfect for people who need to use smart cards on the go.

In conclusion, the TX Systems SCR3310 USB Smart Card Reader is an excellent choice for users looking for a reliable, efficient, and easy-to-use smart card reader. It has its minor shortcomings, but it delivers more pros than cons, making it a worthwhile investment.

msr90-usb-swipe-magnetic-credit-card-reader-3-tracks-mini-smart-card-reader-msr605-msr606-deftun-1

The MSR90 USB Swipe Magnetic Credit Card Reader is a handy little device that's perfect for a variety of applications, from POS systems to banking and access control. It's small enough to fit in the palm of your hand, but don't let its size fool you - it's packed with features that make it a reliable and efficient option.

One of the first things you'll notice is the sleek USB interface, which provides reliable connectivity with compatible devices. The LED indicator offers an easy view of the operating status, so you always know when the card reader is up and running. And, with its bi-directional swipe reading feature, you can read the card conveniently.

Of course, no product is perfect, and the MSR90 does have its drawbacks. For one, you may run into compatibility issues with certain systems. Additionally, the card reader's small size can make it a bit fiddly to handle, especially if you're working with larger cards.

But overall, the MSR90 is a solid choice for anyone in need of a magnetic card reader. Its reliability, combined with its compact size and user-friendly features, make it a worthwhile investment.

first-data-fd150-emv-ctls-credit-card-terminal-with-wells-350-encryption-1

I recently had the chance to use the First Data FD150 EMV CTLS Credit Card Terminal - and let me tell you, it's been a game-changer. The upgrade to PCI 5.0 makes all the difference when it comes to security, and I love how it still has the familiar look and feel of the previous version, the FD130. One of the best things about this terminal is its compatibility with chip cards, EMV, and NFC, which is a huge bonus for any business owner.

However, there were a couple of minor cons that I noticed. First, slight variations in color could make the product look a bit off depending on lighting and screen resolution. And lastly, it's important to have help around when moving the item, as it's a bit heavier than I expected.

Overall, I'm really happy with my purchase of the First Data FD150 EMV CTLS Credit Card Terminal. It's reliable, convenient, and offers great security features for my business. I definitely recommend it to anyone in the market for a high-quality credit card terminal.

verifone-vx-520-dual-com-160-mb-credit-card-machine-emv-europay-mastercard-or-1

The Verifone VX 520 is a robust countertop machine designed for longevity, excelling in encryption, decryption, and processing at lightning-fast speeds. Equipped with a powerful processor and expandable memory, it handles NFC payments and value-added applications like loyalty or gift card acceptance. With a full range of connectivity options, including dial, Ethernet, and optional battery, this device can go wherever you need it.

The VX 520 features a unique communication port area tucked underneath the device, keeping countertops clutter-free.

nayax-vpos-touch-cashless-credit-card-reader-1

Introducing the Nayax VPOS Touch, a revolutionary cashless credit card reader that combines the convenience of cashless payments with the personal touch of a neighborhood store. This all-in-one solution from Nayax simplifies operations and brings great consumer engagement, leading to increased revenue and improved upsell opportunities.

With its sleek, high-resolution color touchscreen protected by gorilla glass, the VPOS Touch engages consumers with its attractive design. Seamlessly integrated with telemetry technology, it allows for cashless clearance, monitoring, management, and business intelligence. The device can be monitored in real-time using Wi-Fi or cellular networks, ensuring transactions and data are always transmitted securely.

The VPOS Touch offers multiple payment options, including credit cards, touchless payments, and a feature for secure and 24/7 connectivity. Its remote vending capabilities with instant refunds make it an ideal choice for convenience stores and vending machines. The device also features multivend options and anti-fraud thresholds, ensuring optimal performance and security.

To utilize the Nayax VPOS Touch, operators must have a Nayax Merchant Account. However, its advanced features, flexibility, and connectivity options make it a top choice for businesses looking to integrate cashless payments and improve their overall operations.

panasonic-fz-vnf551w-contactless-smartcard-xpak-reader-1

The Panasonic FZ-VNF551W Contactless Smartcard Xpak Reader is a remarkably reliable and user-friendly smartcard reader. With 13.56MHz support and ISO 14443 A/B compliance, this reader effortlessly integrates into various systems and setups.

This device is perfect for access control and identification applications, delivering top-notch performance in a compact and easy-to-install design. Trusted by professionals, the Panasonic FZ-VNF551W meets the highest standards of quality and durability, providing the convenience and efficiency of contactless media support. Experience seamless integration and enhanced functionality with the Panasonic FZ-VNF551W Contactless Smartcard Xpak Reader.

misiri-x6-smallest-usb-3-tracks-magnetic-credit-card-reader-writer-1

I recently tried out the Misiri X6, the smallest USB 3 credit card reader writer, and let me tell you, it's quite impressive! In my daily life, I found it incredibly convenient to handle all my credit card transactions with ease. The small size made it a perfect companion for my travels.

What really stood out for me was the device's ability to read, write, copy, erase, compare, save to file, and file to write. The compatibility with both high and low card technologies (300~4000 oe) and various track types made it a versatile tool for my needs. The handy manual single direction swipe feature also proved to be quite useful.

My only concern was the power supply, as it relied solely on a USB connection. However, once connected and set up, I didn't encounter any issues. The device worked seamlessly with multiple operating systems, including Windows, Mac OS, Linux, and Unix, making it a reliable choice for my diverse technological environment.

Overall, the Misiri X6 proved to be a handy and efficient credit card reader writer in my day-to-day tasks. I highly recommend it to anyone looking for a compact yet powerful solution for their credit card management needs.

sumup-plus-card-reader-nfc-rfid-credit-card-reader-1

The SumUp Plus Card Reader is an impressive all-in-one solution for businesses seeking an affordable alternative to complex POS systems. This device offers the convenience of accepting various payment types, including swipe, chip, and contactless (NFC) transactions. With a more powerful processor, the SumUp Plus can handle up to 500 transactions per charge, making it a reliable choice for growing businesses.

One major advantage of this card reader is its ability to work across the United States, Puerto Rico, and Guam. The SumUp Plus also connects via NFC and Bluetooth, making it mobile-capable for on-the-go transactions. At just 5.59 inches tall and 5.75 inches long, it has a compact design that fits nicely in your pocket or business case.

However, one downside to note is that the SumUp Plus may take some time for activation after connecting your bank account. User reviews highlight an average activation time of 3-7 business days, which can prove to be a bottleneck for businesses demanding immediate payment processing capabilities.

Overall, the SumUp Plus Card Reader offers an easy-to-use, versatile, and cost-effective solution for businesses in need of a dependable payment processing tool. While there may be some initial setup hurdles, the benefits of this device outweigh the minor drawbacks.

cherry-st-1044-smart-usb-card-reader-1

As someone who frequently deals with secure data, I was thrilled to try out the Cherry St-1044 Smart USB Card Reader. This sleek little device is a game changer for those of us who need to handle sensitive information on the go.

The first thing that stood out to me was the heavy, stable base. This allowed me to operate the device with just one hand, something that comes in handy when I'm multitasking or need to take notes quickly. Plus, it kept the device from slipping around while I was working.

But what really won me over was its compatibility with a variety of cards and systems. Whether I was accessing controls, logging into a network, or conducting smart card-based transactions, the St-1044 got the job done with ease. And I appreciated that it was certified by CAC and FIPS 201, as that added an extra layer of security to my operations.

Of course, no device is perfect. While the USB 2.0 compatibility was great, I did notice a bit of a lag when transferring larger files. And while the device itself is quite durable, the base does add a bit of weight to it, which can be a bit of a hassle when I'm on the go.

Overall, though, the Cherry St-1044 Smart USB Card Reader is a fantastic tool for anyone who needs to manage sensitive data on the go. With its easy operation, compatibility with a variety of systems, and added security features, it's well worth the investment.

hid-r30210315-1-omnikey-3021-usb-reader-1

The OMNIKEY 3021 USB Reader is a versatile and high-performance smart card reader compatible with a wide range of contact smart cards and application software. This USB-powered device, featuring an easy-to-use interface, is perfect for large-scale deployments and comes with a 2-year limited warranty.

One of the key benefits of the OMNIKEY 3021 USB Reader is its compatibility with various operating systems, making it suitable for many different applications. It is also designed to support credit cards, e-ID cards, and more. The product's compact size and light weight make it a convenient and portable option for users on the go.

However, some users have mentioned that the package does not include middleware, which may be an issue for certain smart cards. Additionally, the product is priced higher than other options available on the market, which could be a drawback for some customers. Overall, the OMNIKEY 3021 USB Reader offers a reliable and efficient smart card reading solution, but potential buyers should be aware of its limitations and price point.

deftun-smallest-usb-magstripe-credit-card-reader-writer-msrx6-1

Experience the ultimate convenience with the Deftun Smallest USB Magstripe Credit Card Reader Writer. This powerhouse device works like a charm with all major operating systems, including Windows, macOS, and Linux, making it a versatile addition to your tech arsenal. It's small, yet mighty, boasting dimensions of just 5.5x1.6x1.6 inches and weighing a mere 145g, making it perfect for travel-sized users.

One of its standout features is its ability to read, write, copy, erase, compare, save to file, and write to file, offering immense functionality in one compact package. The device is also compatible with a broad range of HI-CO and LO-CO cards (with an operating frequency of up to 4000 Oe) and supports tracking formats from 1 to 3. Its manual single-direction swipe mechanism ensures an intuitive user experience, all powered by a simple USB connection.

In my day-to-day life, I've come to appreciate the fact that this device works seamlessly across various operating systems and doesn't require any additional power adapters, thanks to its USB-powered design. The compact size and lightweight nature make it a joy to travel with, ensuring I never miss a beat when it comes to managing my finances on the go. Overall, the Deftun Smallest USB Magstripe Credit Card Reader Writer impresses with its impressive functionalities and ease of use, making it an essential addition to your tech collection.

deftun-msr-x6bt-bluetooth-magnetic-credit-card-reader-writer-encoder-stripe-msrx6bt-msr206-1

The Deftun MSR X6(BT) Bluetooth Magnetic Credit Card Reader Writer turned out to be surprisingly versatile in my daily life. It's one of the smallest card readers I've ever used, but don't let the size fool you - it packs a punch. And no more fumbling with pesky cords; this reader operates via Bluetooth, making it convenient to carry around or use in my office.

The functions it offers - read, write, copy, erase, compare, save to file, and file to write - are so handy. I've got to admit, my life as a busy professional has been made a lot simpler by this little guy.

However, there's one thing I'd like to see improved: the instruction manual - it could be more user-friendly. Overall, this Deftun reader is well worth its weight in gold.

clover-flex-mobile-pos-card-reader-1

The Clover Flex Mobile POS & Card Reader has been a lifesaver for my small business. Being able to process transactions on the go using 3G connectivity or WiFi has made a significant difference in our customer satisfaction and overall efficiency. One particularly helpful feature is the ability to accept electronic signatures and send receipts, either by email or text.

However, I've encountered some issues with the battery life, which only lasts for about 8 hours, and my inventory management experience was somewhat limited by the 1GB RAM and 8GB storage space. Nevertheless, I'm confident that the Clover Flex will continue to be a reliable and user-friendly addition to our business operations.

square-credit-card-magstripe-reader-white-1

The Square Credit Card Reader, a sleek and compact device, offers a hassle-free payment solution for businesses. Its streamlined design and user-friendly interface make it easy to accept credit card payments on the go with your iPhone or Android phone. The 3.5mm headjack ensures seamless compatibility with a plethora of devices, while the low transaction fee and direct deposit to your bank account provide financial security.

This versatile device is praised for its sturdy build, ease of use, and compatibility with various phone models. However, some users have reported issues with the reader's compatibility with certain phone models, and a need for a compatible case or adapter. Overall, the Square Credit Card Reader is an ideal choice for businesses seeking a mobile and secure payment solution.

square-reader-for-magstripe-with-lightning-connector-1

This compact and lightweight Credit Card Reader by Square boasts compatibility with iOS devices, ensuring seamless payment processing. Designed with a diligent focus on high-quality craftsmanship, it boasts a sturdy build that offers users durability and the reassurance of long-lasting performance.

Paired with the app, users can easily set up the reader and enjoy a user-friendly experience. However, some customers have reported difficulty with the return policy and the reader not fitting their specific device, but overall, this Square Reader offers a reliable and convenient solution for accepting payments on the go.

square-register-0373-pos-card-reader-quill-1

The Square Register 0373 POS Card Reader, also known as Quill, comes with an impressive all-in-one POS/card-reader system. This convenient system accepts all major credit cards, such as magnetic strip, contactless, and chip cards, at a competitive rate of 2.6% + $0.1 per tap, dip, or swipe. The Quill's efficiency enhances even further when you integrate additional optional add-ons and accessories, like cash drawers, receipt printers, order-ticket printers, bar-code scanners, and more (add-ons and accessories sold separately). The versatile system features Wi-Fi and Ethernet compatibility.

Quill is a great option for small businesses seeking a user-friendly, credit card processing solution. However, some users have experienced compatibility issues with third-party software and certain add-ons, so it may not be the best choice for businesses with specific needs. Additionally, a few customers mentioned that the build quality could be better, with a few components breaking over time.

Despite these limitations, the Square Register 0373 POS Card Reader, or Quill, offers a comprehensive and flexible payment processing experience. Its sleek design and competitive pricing make it an attractive pick for businesses looking to efficiently and conveniently make credit card transactions.

square-terminal-white-1

I recently tried the Square Terminal, and I must say, it exceeded my expectations. As a busy entrepreneur, the ease of use and speed of this device were fantastic.

Processing chip cards in just two seconds is an incredible feature, and I loved how quick and efficient the transactions were. The built-in battery that lasts all day is a feature I found especially helpful, saving me the hassle of carrying around and charging additional batteries.

One minor drawback I experienced was that square's fees are higher than some competitors. However, the convenience and user-friendly interface made up for that. I also noticed that the device does not support internet browsing or any additional apps, which may be a downside for some users.

Overall, the Square Terminal is a reliable and convenient solution for businesses on the go. Its speed, ease of use, and long-lasting battery make it a valuable asset, and I highly recommend it to others.

square-contactless-chip-reader-white-1

The Square contactless and chip reader, available in a sleek white design, is a versatile option for businesses looking to streamline their payment processing. Constructed with lightweight plastic material, it offers a comfortable yet sturdy feel in your hands. With a rechargeable battery capable of lasting up to 12 hours on a single charge, it ensures you can process payments throughout the day without the need for frequent recharging.

The reader features both NFC and EMV chip technology, allowing you to accept various contactless transactions, including those made using Apple Pay and Google Wallet. Bluetooth connectivity enables seamless integration with your iOS or Android device, making setup and usage a breeze. This smart card reader can either be used independently as a portable device for on-the-go transactions or connected to a Square Stand to provide a countertop payment solution for your business.

While some users have reported occasional issues with charging and pairing, the Square contactless and chip reader has received positive feedback for its ease of use, compatibility with a wide range of devices, and secure payment processing capabilities. With a solid 4.4-star rating based on 347 customer reviews and tags such as "Performs well", "Easy to set up", "Durability", "Craftsmanship", "Sturdiness", this reader offers a reliable and efficient solution for businesses looking to accept a variety of payment types.

square-terminal-credit-card-reader-white-1

The Square Terminal Credit Card Reader is a must-have device for any small business or individual looking to accept payments seamlessly and securely. This All-In-One hardware makes it easy to process chip cards in a matter of seconds, even when Wi-Fi is unavailable. I love that it operates cordlessly all day, freeing up your hands to do other tasks. The built-in battery is a game-changer, ensuring you can work without any wires getting in the way.

In addition to its impressive hardware features, Square Terminal's 24/7 fraud protection and 24/7 phone support are just the icing on the cake. I can attest to the fact that processing payments quickly and securely ensures a smooth customer experience, every time. The competitive pricing of 2.6% + 10 per tap, dip, or swipe is also a massive plus, as it saves me money in the long run.

One of the best parts about this card reader is that it works with any standard 2.25 in. x 50 ft. thermal printer paper, making refills easy and hassle-free. Its user-friendly design means even non-tech-savvy individuals can use it with ease.

While this product does not have an internet browser or support additional apps, it excels in its primary function of accepting payments. Its no-frills approach means it's easy to navigate and use daily.

In conclusion, the Square Terminal Credit Card Reader is a fantastic tool for any business looking for an affordable, efficient, and user-friendly point-of-sale solution. Its combination of reasonable pricing, ease of use, and impressive functionality makes it a standout choice for all your payment processing needs.

Buyer's Guide

The need for secure and swift payment processing has made credit card readers an essential tool for businesses. However, choosing the right credit card reader can be a challenging task due to the multitude of options available. In this buyer's guide, we will walk you through the essential features, considerations, and advice for selecting the best credit card reader for your business.

Important Features to Consider

  1. Card Reader Types: Credit card readers come in various types, including smartphone-based, Bluetooth, USB, and magnetic stripe. Consider the type that best suits your business requirements and the devices you commonly use for payment processing. For instance, if you work primarily on the go, a smartphone-based reader may be your best bet.

Processing Speed

  1. Processing Speed: The processing speed of a credit card reader can significantly impact your customers' experience. Faster processing speeds are generally preferred, as they enable you to serve more customers and reduce the risk of transaction errors. Look for readers with high processing speeds and minimal transaction times.

Secure Transactions

  1. Security: The last thing you want is to compromise your customers' sensitive information. Ensure the credit card reader you choose adheres to the latest security standards, such as EMV, and offers features like encryption and tokenization to keep your customers' data safe from fraudsters. A reader with a secure chip for transactions is a must.

Ease of Use and Portability

  1. Ease of Use and Portability: You want a credit card reader that is easy for both your staff and customers to use. Simple, intuitive interfaces and clear instructions will help you and your staff process transactions with ease. Additionally, if you need a reader that can travel with you, portability should be a top priority. Choose a lightweight, compact, and durable reader that can withstand frequent travel and daily use.

FAQ

What is a credit card processing device?

A credit card processing device is an instrument that enables merchants or individuals to receive payment from clients via credit or debit cards. It can connect to various computers, mobile devices, or POS systems to facilitate secure and efficient financial transactions. Credit card processors come in diverse types, such as card machines, mobile card readers, and Bluetooth card readers, based on the user's requirements.

Credit card processors support various payment networks, including Visa, MasterCard, Amex, and Discover, ensuring clients have several payment options. With a credit card processing device, businesses can enhance their customer experience and boost sales by accepting payments quickly and securely. Moreover, these devices allow businesses to manage their transactions, monitor their cash flow, and make real-time adjustments if needed.

What are the different types of credit card processors?

Several credit card processing devices are accessible in the market, each with unique features and benefits. The primary types encompass card machines, mobile card processors, and Bluetooth card processors. Card machines are generally used by businesses and are stationary, whereas mobile card processors permit users to accept payments on the go from their smartphones or tablets. Bluetooth card processors provide even more convenience as users can connect them directly to their smartphones or other devices via Bluetooth and securely process transactions without any cords or wires.

Additionally, some credit card processors feature integrated payment gateways or work with third-party platforms like PayPal or Stripe. This enables businesses to accept various payment forms, such as Google Pay, Apple Pay, and other digital wallets, offering clients more flexibility in making payments. It is crucial to consider your business needs, budget, and the desired level of mobility when selecting the ideal type of credit card processor for your operations.

How do credit card processors function?

Credit card processors employ magnetic stripe technology to read and process transactional information from the card. The process is simplified: when a client inserts, swipes, or taps their card on the processor, the machine deciphers the magnetic stripe at the back of the card, which contains the cardholder's data, card information, and transactional details.

After the processor captures the necessary information, it securely transmits the data to the payment gateway for processing and verification. The gateway then communicates with the customer's bank to approve or decline the transaction, and finally, the payment is processed, and a receipt is generated for the client. The entire process takes just a few seconds, ensuring a swift and seamless payment experience for both the client and the vendor.

Are credit card processors safe?

Yes, credit card processors are generally regarded as secure, especially if they originate from reputable manufacturers and adhere to the latest security protocols. Most processors are equipped with technologies like SSL encryption, tokenization, and dynamic authentication to shield sensitive customer data throughout the transaction process.

When transactions are processed through a reliable credit card processor, the payment information is securely transmitted from the processor to the payment gateway and then to the cardholder's bank. This helps to minimize the risk of fraud and ensures that clients' personal and financial information remains confidential.

What are the advantages of using a credit card processor for businesses?

Utilizing a credit card processor offers numerous benefits for businesses, including improved customer satisfaction, increased sales, and enhanced data management. By accepting card payments, businesses cater to a broader clientele and provide a more convenient payment option. This results in happier clients and, ultimately, increased sales.

Moreover, credit card processors can assist businesses in streamlining their payment processing, reducing manual errors, and decreasing the time spent on managing cash and deposit transactions. They also provide businesses with valuable insights into their sales, revenue, and customer spending habits by generating detailed transaction reports. This data can be utilized for strategic planning, forecasting, and making well-informed business decisions.

How do I select the right credit card processor for my business?

When choosing a credit card processor, consider factors such as your business size, the type of transactions you handle, your budget, and the degree of mobility you require. For example, if you have a small retail store, a stationary card machine may be ideal, while a mobile card processor might be more suitable for a food truck or market stall.

It is also essential to ensure that the credit card processor you select supports all relevant payment networks, accepts various forms of payment, and is compatible with the devices and systems you utilize in your business. Thorough research and comparing features among different options can assist you in making an informed decision and selecting the most appropriate credit card processor for your specific needs.

As an Amazon Affiliate we earn through qualified purchases at no cost to you

Sign up for free to join this conversation on GitHub. Already have an account? Sign in to comment