Comparison

Credit Card Terminal & Reader vs Payable

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

Head to head
About

Credit Card Terminal & Reader

Transform your mobile device into a portable credit card reader. Accept payments anywhere, swipe or key in card details, and manage transactions securely. Send digital receipts with location data and capture tips or sales tax.

Highlights
  • Accept credit card payments
  • Swipe or key in card details
  • Capture tips and sales tax
  • Collect signatures
  • Send PDF receipts with location
  • Integrates with multiple payment gateways
Features
Read full description

Accept credit cards. Anywhere. As seen in Apple’s TV ads. Turn your iPhone or iPad into a mobile credit card terminal and accept payments while you’re on the go. The simple, secure way to ensure you never miss a sale. Get a free Credit Card Reader accessory when you create your new account. With Credit Card Terminal, you can swipe or key in credit cards, accept tips, capture signatures, collect sales tax, and print receipts. Even send PDF receipts with a map showing the transaction location. 1. Download the Credit Card Terminal app 2. Enter your business information 3. Instantly start accepting Visa, MasterCard, Discover, and American Express Already have one of the following accounts? Authorize.Net, Beanstream, Bluefin, BluePay, Braintree, Element Express, First Data, MerchantWARE, NMI, PayPal Payments Pro, PayTrace, Pin Payments, Quantum, Sage Payment, Stripe, USA ePay, or Verifi. Connect it to your Inner Fence account to start processing with it. Every business is unique, so please contact us with any questions. Our US-based support team will be happy to help you. Learn more at www.innerfence.com, or email us at support@innerfence.com

About

Payable

Accept cashless payments easily and securely with a portable card reader and mobile app. Ideal for businesses of all sizes, it supports a wide range of card networks and provides quick access to funds.

Highlights
  • Accepts Visa, Mastercard, Amex, CUP, Alipay, and QPlus
  • Portable and secure Bluetooth card reader
  • Send receipts via email or text
  • Funds deposited within 1-2 business days
  • No monthly targets or rentals
  • Supports multiple currency types
Features
Read full description

Never miss a Sale with the Payable Card Reader & App. Payable makes it easy, safe, and cost-effective for businesses of all sizes to start accepting cashless payments. Payable offers a variety of credit card readers along with a custom-developed App, making it possible for merchants to accept cashless payments and manage transactions directly on their mobile devices. The solution allows merchants to accept payments from VISA, Mastercard, AMEX, Diners Club, Alipay, CUP, and is the only MPOS terminal in Sri Lanka to support payments from such a wide variety of networks on one unit. Payable offers lightweight, portable, and highly secure card readers that connect to a mobile phone via Bluetooth and allow merchants to begin accepting card payments in-store or on the go with minimal hassle. The solution guarantees money in the merchant's account within 2 business days and is offered without monthly targets, rentals, or minimum transaction values – making it the ideal solution for MSME merchants to grow their business and access the cashless ecosystem. Features: • Accepts Visa, Mastercard, Amex and CUP transactions • Accepts QPlus and Alipay transactions • Easy to Use Card Reader & App • Secure solution developed to meet PA DSS compliance • Bluetooth connectivity between phone & card reader offers increased connection reliability • Portable and lightweight • Free installation, set up, and training • Ability to send receipts via email or text message • Portable solution ideal for trade fairs, events, deliveries & on the go businesses • No fixed-line connectivity required • Automated transaction reconciliation • Money in your account within 1-2 business days • Easy Access to Support via Hotline • Supports multiple currency types • Installment transactions

Screenshots

Credit Card Terminal & Reader4 screens
Payable4 screens

Verdict

The call

The clearest difference is review sentiment: Credit Card Terminal & Reader at 66% against Payable's 0%. Credit Card Terminal & Reader also leads on rating (2.9 vs 2.0) and ratings volume (14 vs 4). Payable's advantage is update cadence (every 3 months vs every 6 months) and iOS requirement (11.0 vs 26.6). On price, ads, in-app purchases and monetization model 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

Credit Card Terminal & Reader holds the better App Store score, 2.9 against 2.0. Both are backed by a comparable volume of ratings — 14 and 4 respectively. Written reviews point the same way: 66% of Credit Card Terminal & Reader's written reviews are positive against 0% of Payable's.

UpkeepUpdate frequency

Credit Card Terminal & Reader ships an update every 6 months, Payable every 3 months. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

Scorecard5 real differences · 5 level
Credit Card Terminal & Reader versus Payable: the parameters behind the verdict, then further details
ParameterCredit Card Terminal & ReaderPayable
PriceFreeFree
Rating2.9 (14 ratings) — better2.0 (4 ratings)
Positive reviews65.9% of reviews — better0.0% of reviews
Number of ratings14 — better4
Update frequencyEvery 6 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS26.611.0 — better
Further details — not scored
Size48 MB68 MB
Age rating4+4+
DeveloperInner Fence, LLCPAYable (Pvt) Ltd.

Customer experience

Credit Card Terminal & Reader

All ratings14 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews126 reviews
Positive65.9%
Neutral1.6%
Negative32.5%

Payable

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Credit Card Terminal & Reader

Reported bugs

2 issues
  • Compatibility issues with certain devices or regions
  • Inconsistent performance and unreliable transaction processing

Requested features

3 requests
  • Ability to integrate with other merchant services
  • More transparent pricing and fee structure
  • Improved user interface and functionality

Payable

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Credit Card Terminal & Reader

No in-app purchases

None

Payable

No in-app purchases

Questions

Is Credit Card Terminal & Reader free?
Credit Card Terminal & Reader is free to download, with no in-app purchases.
Is Payable free?
Payable is free to download, with no in-app purchases.
Which has better reviews, Credit Card Terminal & Reader or Payable?
Credit Card Terminal & Reader is rated higher. Credit Card Terminal & Reader averages 2.9 out of 5 from 14 ratings, while Payable averages 2.0 from 4 ratings.
Do Credit Card Terminal & Reader or Payable have ads?
Neither Credit Card Terminal & Reader nor Payable shows ads.
Which is updated more often, Credit Card Terminal & Reader or Payable?
Credit Card Terminal & Reader ships an update every 6 months, and Payable every 3 months. Most recently, Credit Card Terminal & Reader was updated on October 24, 2026 and Payable on October 10, 2026.

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