# Credit Card Terminal & Reader vs Payable

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.

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

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.

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.

## The numbers

| Metric | Credit Card Terminal & Reader | Payable |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (14 ratings)](https://appshunter.io/ios/app/credit-card-terminal-and-reader/id290137919/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/payable/id1122916286/reviews) |
| Number of ratings | **14** | 4 |
| Positive reviews | **65.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 48 MB | 68 MB |
| Requires iOS | 26.6 | **11.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Inner Fence, LLC](https://appshunter.io/developer/290137922) | [PAYable (Pvt) Ltd.](https://appshunter.io/developer/1122916285) |

## What reviewers say

### Credit Card Terminal & Reader

[App page](https://appshunter.io/ios/app/credit-card-terminal-and-reader/id290137919)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient for mobile businesses
- 💡 Impressive customer support
- 🚀 Quick setup and activation
- 👍 Reliable and works well

**What reviewers complain about**

- 💰 Expensive monthly fees
- 💰 High transaction fees
- 🔒 Concerns about security and hidden charges
- 🐛 Unreliable service and account issues

**Reported bugs**

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

**Requested features**

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


### Payable

[App page](https://appshunter.io/ios/app/payable/id1122916286)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*