# Credit Card Terminal & Reader — user reviews > 126 indexed App Store user reviews of Credit Card Terminal & Reader by Inner Fence, LLC, rated 2.93/5 from 14 ratings. - Source: https://appshunter.io/ios/app/credit-card-terminal-and-reader/id290137919/reviews - App overview in markdown: https://appshunter.io/ios/app/credit-card-terminal-and-reader/id290137919.md - Rating breakdown: 5★ 5 · 4★ 2 · 3★ 0 · 2★ 1 · 1★ 6 ## What do users think of Credit Card Terminal & Reader? Overall sentiment: neutral **Pros** - 👍 Easy to use - 🚀 Convenient for mobile businesses - 💡 Impressive customer support - 🚀 Quick setup and activation - 👍 Reliable and works well **Cons** - 💰 Expensive monthly fees - 💰 High transaction fees - 🔒 Concerns about security and hidden charges - 🐛 Unreliable service and account issues **Commonly reported bugs** - Compatibility issues with certain devices or regions - Inconsistent performance and unreliable transaction processing **Most requested features** - Ability to integrate with other merchant services - More transparent pricing and fee structure - Improved user interface and functionality ## Newest reviews (12 of 126) ### 1/5 — Greedy app developer! *2014-07-03, version 7.6* In addition to the monthly fee, transaction fee and percentage per transaction.. This app wants you to pay an additional monthly fee PLUS a another 2% cut per transaction? So a monthly fee and a percentage to my merchant and now another monthly and percentage to the app developer!? No thanks. ### 1/5 — Are you kidding? *2014-06-13, version 7.5* Who would pay 2% of a total sale and a fee each month on top of your merchant account charges to use this app? ### 1/5 — EXPENSIVE *2014-05-30, version 7.5* They don't tell you it's $29/ month plus a percentage... Until after you sign up. ### 2/5 — Undisclosed fees *2014-05-17, version 7.5* Great app, just wish they'd mention they charge a monthly fee before I made an account ### 1/5 — Undisclosed fees *2014-05-11, version 7.4* This is an average app which may be useful to you. However, something they fail to mention in their App Store write up is the need to sign up for a monthly paid account with them. So on top of whatever you're paying your CC processor, in my case Stripe, Innerfence also want a cut. There is nothing this app provides which warrants an additional cut of my already tight margins. ### 1/5 — Deceitful *2014-04-16, version 7.3* Everything works flawlessly until you try to open the TOS (terms of sale) and all of a sudden, "error, can't communicate with our servers. Try again later" I have a better idea; Deleted! ### 1/5 — Tina L *2014-04-06, version 7.3* I researched this companies policies and choose them over square because of the hold policy square had and some negative reviews. BAD DECISION!! This company uses stripe who pulled the same crap I read about square. I had a $1500 payment that was to be deposited within 7 days and on the 6th day I was told they had to hold my funds for 30 days because I sell coffee products from organo gold. Kyle the support rep at inner fence said I was the first this ever happened too even though I called him before I ever processed the transaction to see if they hold funds. I caution EVERYONE before selecting inner fence. You may be better off with square. ### 1/5 — UH-MER-CUH ONLY *2014-03-03, version 7.2* Just another stupid company that doesn’t tell you up front it’s for the USA only, until the app farts out “zip code is invalid,” “state is required,” etc. ### 1/5 — Rip off!!!! *2013-10-09, version 7.0* That's by far tooooooo much! A Monthly fee additionally a transaction fee and additionally up to almost 4%! No way! ### 4/5 — Change Skin color *2013-09-17, version 7.0* The new update is all most ok The skin color looks poor ### 1/5 — $25 a month *2013-08-26, version 5.21* How can this have so many positive ratings and no comments. 25 month is ridiculous! ### 1/5 — Wat *2013-08-25, version 5.21* IDK ## Most critical reviews (10 lowest-rated) ### 1/5 — Basically stripe *2024-08-14, version 16.0* If I wanted to use stripe, I would have registered with them. The app makes your believe they are a different company and they have their own terminal but after you register and pay, you have to connect with strip and go through stripe’s terminal ### 1/5 — $49/mo + 2.9% + US$0.30 per sale? *2016-05-24, version 9.2* This os an outrage, 0 stars for this company that takes advantage off small businesses. ### 1/5 — Expensive *2016-01-24, version 9.2* I'm happy using "Square" which is fantastic super easy intuitive and cheap. ### 1/5 — Do not use. *2015-07-16, version 8.4* Stay away from this company. They do steal your money. I had a horrible experience with them. They used another corrupt company called Stripe. ### 1/5 — Junk *2015-03-19, version 8.1* I purchased this app years ago. Yes paid for it. It use to connect to my authorize.net account no problem. Now they charge fees to use your own merchant account. So on top of your merchant processing fees this app wants a monthly fee plus add there own processing fees. Avoid this garbage plenty of other apps that offer the same thing for free ### 1/5 — Unimpressed *2015-01-30, version 8.1* I believe it would be good business to list your fees upfront. $40 a month is ridiculous for something PayPal does for free. ### 1/5 — Bad App *2014-12-03, version 8.1* $40 plus fees a month. Cheap. Fake paid reviews. Sad. ### 1/5 — Stay Away! *2014-10-14, version 7.8.1* Used this company for credit card transactions. I signed a contract with Innerfence who then uses PowerPay for the processing. I never signed a contract with PowerPay. After using the service there were many related fees that were undisclosed. When I tried to cancel the account they added additional fees. When I refused to pay $106.36 of fees to close the account they turned me over to collections. The Thomas Agency Collection Agency repeatedly harassed me even calling after 9pm. They continued to threaten to ruin my credit by turning this over to the credit bureau. I made several attempts to handle this in a professional manner with Innerfence with no success. I eventually paid the fees to cancel the service just to rid myself of this nightmare. I have been using Wave now for all business transactions and it has been a pleasant experience. ### 1/5 — I feel cheated *2014-10-13, version 7.8.1* The app did not tell me that there would be a monthly bill of $39 until after I signed up. ### 1/5 — Pricing *2014-08-22, version 7.6* $ 39 per month for new Merchant? Are you normal? ## Most praised reviews (10 highest-rated) ### 5/5 — Works well *2016-09-12, version 8.4* We have been using this app for about a year. Just downloaded the latest update and it is working well. App is simple, easy to use and the customer service is quick and reasonable. ### 5/5 — Love my new credit card charging app! *2016-01-28, version 9.2* Easy & quick with great US based customer support. Highly recommended by my friends. Glad I made the switch. ### 5/5 — Great new simpler look 👍 *2015-10-16, version 9.2* Loving the new design. Especially on the iPad, the bigger fonts make for a much better counter-height experience. New icon is a great refinement of the old one. Very happy! ### 5/5 — Just upgraded *2015-09-28, version 9.1* Bought a new phone iPhone 6 for my biz. Perfect! ### 5/5 — Fantastic app *2015-05-05, version 8.2* Great app. Easy to sign up and running transactions is so simple. The support team is great. Would recommend to anyone. ### 5/5 — Owner/President *2014-03-26, version 7.3* Works great. I can accept credit cards anywhere...even on job sites after I complete an installation. It's nice to not have to wait until I get back to the office. Plus there is no costly terminal to buy or rent. I love it and highly recommend it. ### 5/5 — Fantastic *2014-02-26, version 7.2* Great app. Worth downloading. Makes everything easier! ### 5/5 — Owner *2013-09-10, version 5.21* Super convenient. Can charge anytime and anywhere when I make a sale. ### 5/5 — Hahahajajajajajajajajajajajajajajajajajajjajajajajajajajajajajajajajaaaa *2013-08-25, version 5.21* Lol ### 5/5 — Accepting credit card payments from my iPhone *2013-08-09, version 5.20* Now I can take my business with me! Great product, easy to setup and use. Thanks! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-11.*