CDGpay vs Merchant.app
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CDGpay
This app allows businesses to securely accept credit card payments on mobile devices. It supports major card brands at a low flat rate and offers features like manual entry, secure storage of payment information, and offline processing. Monitor transactions, manage balances, and issue refunds directly from the app.
- Accept major credit card brands
- Low flat processing rates
- Manual card entry option
- Secure customer payment storage
- Offline transaction processing
- Monitor account balances and transactions
- Process refunds and cancellations
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Securely accept credit card payments on your phone or tablet using CDGcommerce’s credit card processing app. Accept payments from all major credit card brands (Visa, MasterCard, Discover and American Express) at a low flat rate. We support POS payments and mobile payments in one convenient app! Card Processing Solutions • Quickly process credit card payments at low rates with a mobile card reader • Manually enter card numbers if you aren’t near your card reader • Securely store a customer’s payment information to be charged for future purchases • Accept a credit card payment when you don’t have data coverage and process it as soon as you get back into coverage Monitor Your Business • Check your available and pending account balances • Review pending, completed and declined transactions • Refund or cancel transactions • Manage transfers to your bank account. Additional Features: • Include sales tax and allow customers to add a tip to their order • Capture your customer’s signature and then e-mail them a receipt.
Merchant.app
This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.
- Process payments via terminal, text, or email
- Lightning-fast transactions
- Customer payments via phone or email
- Real-time transaction dashboard
- Refund tracking
- Industry-leading data security
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An ideal system for businesses, Merchant Platforms will help you process your payments and impress your customers through terminal, text or email payment prompts and lightning-fast transactions. Customers can make payments instantly through their phone or email without the hassle of credit card authorization forms. A dashboard with real-time updates helps you keep track of all the transactions and refunds within your business. Merchants and customers can rest assured that each payment is kept safe and secure through industry-leading data security standards.
Screenshots
Verdict
The clearest difference is update cadence: Merchant.app at every 2 weeks against CDGpay's every 2 months. Merchant.app also leads on ratings volume (6 vs 1). CDGpay's advantage is iOS requirement (11.0 vs 13.4). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for CDGpay against 5.0 for Merchant.app. That said, the two scores are not equally well evidenced: Merchant.app has 6 ratings behind it against 1, so its average is the more settled of the two.
CDGpay ships an update every 2 months, Merchant.app every 2 weeks. The most recent releases landed on June 22, 2026 and July 8, 2026 respectively.
| Parameter | CDGpay | Merchant.app |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (6 ratings) |
| Positive reviews | — | 50.0% of reviews |
| Number of ratings | 1 | 6 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 53 MB | 84 MB |
| Age rating | 4+ | 4+ |
| Developer | TSYS Acquiring Solutions, L.L.C. | Merchant Platforms, Inc. |
Customer experience
CDGpay
Merchant.app
In-app purchases
CDGpay
No in-app purchases
Merchant.app
No in-app purchases









