PhoneSwipe vs Processa
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PhoneSwipe
Turn your mobile device into a credit card reader. Accept major credit cards and PayPal payments with secure, encrypted transactions. Manage inventory, offer discounts, and track sales with real-time reporting.
- Credit card processing
- Accept Visa, Mastercard, Amex, Discover, PayPal
- Secure and encrypted transactions
- Item management with photos and modifiers
- Stock tracking
- Discount offers
- Email/SMS/printer receipts
- Real-time reporting
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Transform your iPhone or iPad into a credit card reader with a free app and merchant account from Phone Swipe. Sign up for a merchant account with Phone Swipe and you’ll be able to accept Visa, Mastercard, American Express, Discover and PayPal credit card payments. Pay-as-you-go and custom pricing options are available with Phone Swipe merchant services. FEATURES Phone Swipe has all the perks of a traditional merchant account and gives you everything you need to run and grow your business from your mobile device. - Credit card processing with the free Phone Swipe app, card reader, and merchant account - Process cards today and receive your funds next business day - Secure and encrypted transactions - Add items with photos, modifiers, and multiple prices - Track the stock of your items - Use your device’s camera or purchase a compatible Bluetooth barcode scanner to scan barcodes - Offer discounts to your customers at the cart- and item-level - Allow your customers to sign and add tips - Send email or SMS receipts, or connect a printer for paper receipts - Watch your business grow with free real-time reporting on your credit card processing using Phone Swipe Inside To learn more about credit card processing with Phone Swipe, visit phoneswipe.com
Processa
This cloud-based point-of-sale application simplifies credit card payment processing for businesses. It allows for product customization, customer data storage, and real-time analytics. Advanced features are available for iPad users, including table mode for restaurants.
- Process credit card payments
- Customize products with details and images
- Securely store customer payment information
- Apply custom tips and discounts
- View real-time payment analytics
- Detailed transaction history
- Split payment functionality
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Processa is the cloud-based POS (Point-of-Sale) app that you and your business need. The simplest and quickest way to accept credit card payments on your device. Features: - Process payments right on your device or connect your card reader. - Customize your products with names, descriptions, unique taxes and images. - Use the Customer Vault to save your customer data and their payment information. - Add unique tips and discounts. - View real-time analytics about your payments. - See your detailed transaction history. - Enter manual amounts during the checkout process. - Split payment functionality. - Email your transactions to your customers. iPad features: - Advanced checkout system. - Have multiple open carts at the same time. - Table mode for restaurants and bars.
Screenshots
Verdict
The clearest difference is monetization model: Processa at free against PhoneSwipe's free with in-app purchases. PhoneSwipe's advantage is update cadence (every 2 weeks vs every 2 months) and iOS requirement (9.0 vs 15.0). On price, rating, review sentiment and ratings volume 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 — 3.9 for PhoneSwipe against 4.0 for Processa. Both are backed by a comparable volume of ratings — 16 and 10 respectively. Written reviews are what separate them: 58% of PhoneSwipe's written reviews are positive against 50% of Processa's.
PhoneSwipe ships an update every 2 weeks, Processa every 2 months. The most recent releases landed on October 17, 2026 and October 3, 2026 respectively.
| Parameter | PhoneSwipe | Processa |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (16 ratings) | 4.0 (10 ratings) — better |
| Positive reviews | 57.7% of reviews — better | 50.0% of reviews |
| Number of ratings | 16 — better | 10 |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 9.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 91 MB | 122 MB |
| Age rating | 4+ | 4+ |
| Developer | North American Bancard | Fluid Pay LLC |
Customer experience
PhoneSwipe
Processa
In-app purchases
PhoneSwipe
No in-app purchases
Processa
No in-app purchases
