Comparison

CDGpay vs Merchant.app

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

CDGpay4 screens
Merchant.app4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
CDGpay versus Merchant.app: the parameters behind the verdict, then further details
ParameterCDGpayMerchant.app
PriceFreeFree
Rating5.0 (1 ratings)5.0 (6 ratings)
Positive reviews—50.0% of reviews
Number of ratings16 — better
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better13.4
Further details — not scored
Size53 MB84 MB
Age rating4+4+
DeveloperTSYS Acquiring Solutions, L.L.C.Merchant Platforms, Inc.

Customer experience

CDGpay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Merchant.app

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

CDGpay

No in-app purchases

None

Merchant.app

No in-app purchases

Questions

Is CDGpay free?
CDGpay is free to download, with no in-app purchases.
Is Merchant.app free?
Merchant.app is free to download, with no in-app purchases.
Which has better reviews, CDGpay or Merchant.app?
CDGpay and Merchant.app are both rated 5.0 out of 5 on the App Store, from 1 and 6 ratings respectively.
Do CDGpay or Merchant.app have ads?
Neither CDGpay nor Merchant.app shows ads.
Which is updated more often, CDGpay or Merchant.app?
CDGpay ships an update every 2 months, and Merchant.app every 2 weeks. Most recently, CDGpay was updated on June 22, 2026 and Merchant.app on July 8, 2026.

Other comparisons