Payments Terminal vs Cloud Commerce
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payments Terminal
Accept global payments with Bitcoin, bypassing traditional fees and chargebacks. Securely conduct business worldwide, protecting both merchants and customers from fraud and identity theft. Enjoy significant savings compared to conventional payment platforms.
- Eliminate transaction fees
- Accept global payments
- Zero chargebacks
- Identity theft protection
- Secure transaction tracking
Read full descriptionHide full description
Eliminate Middlemen: Get Payment in any amount, from any corners of the world, from any mobile device. Zero Chargebacks: Bitcoin does not force its users to shoulder the risks of payment fraud.Merchant can refund and Customer's can pay without disclosing sensitive information. Identity Theft Protection: Through the bitcoin network, Payments Terminal maintains a record of your transaction.Any fraudulent transaction can easily be tracked back to the source. Enjoy Application!!
Cloud Commerce
This app enables businesses to accept payments anywhere by leveraging cloud-based technology. It offers solutions for in-store and digital transactions, modernizing payment acceptance for merchants of all sizes.
- Cloud-based payment processing
- Tap on Phone functionality
- Pay by Link integration
- Click to Pay support
- Queue busting solutions
- Mobile checkout capabilities
Read full descriptionHide full description
Mastercard Cloud Commerce moves payment capabilities to the cloud to empower the next evolution of acceptance, bridging in-store and digital experiences. Cloud Commerce is Mastercard’s cloud native software-based acceptance solution that combines Tap on Phone, Pay by Link, Click to Pay and more. It modernizes physical and digital acceptance, offering channel partners pre-certified software, easy integration, scale, and speed to market – in turn helping them grow their business. Cloud Commerce is empowering merchants of all sizes with new use cases to better serve their customers. These use cases include: - Queue Busting: Allowing consumers to check out in line when shopping, at pick up, or at their doors, reducing wait times and increasing sales. - Mobile Checkout: Helping consumers get to their next transit destination, at busy in-person events, when fundraising, and more. - Cash-Only Merchants: SMEs/micro-merchants and mobile venues can use Tap on Phone to address their need for flexible, low-cost, mobile, and scalable card acceptance solutions. By providing a low-maintenance, cost-effective, software-based solution, both channel partners and merchants can expand their customer base, offer new services, and increase revenue opportunities
Screenshots
Verdict
The clearest difference is update cadence: Payments Terminal at every 11 days against Cloud Commerce's every 6 weeks. Payments Terminal also leads on ratings volume (29 vs 3). 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 Payments Terminal against 5.0 for Cloud Commerce. That said, the two scores are not equally well evidenced: Payments Terminal has 29 ratings behind it against 3, so its average is the more settled of the two.
Payments Terminal ships an update every 11 days, Cloud Commerce every 6 weeks. The most recent releases landed on October 15, 2026 and October 6, 2026 respectively.
| Parameter | Payments Terminal | Cloud Commerce |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (29 ratings) | 5.0 (3 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 29 — better | 3 |
| Update frequency | Every 11 days — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 18.5 | 18.5 |
| Further details — not scored | ||
| Size | 72 MB | 43 MB |
| Age rating | 17+ | 4+ |
| Developer | HashCash Consultants LLC | Mastercard International Incorporated |
Customer experience
Payments Terminal
Cloud Commerce
In-app purchases
Payments Terminal
No in-app purchases
Cloud Commerce
No in-app purchases






