Comparison

HMP Retail vs AnyPal

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

Head to head
About

HMP Retail

Process credit card payments securely and reliably from your mobile device. This app offers a cost-effective solution with no hidden fees, and a reliable offline mode for accepting payments anywhere. It supports various transaction types and provides detailed reporting.

Highlights
  • Secure credit card swipe or keyed entry
  • Process major credit cards and gift cards
  • Customizable email receipts
  • Electronic signature capture
  • Detailed reporting and analytics
  • Offline payment processing (Store & Forward)
Read full description

Description Accept credit cards anywhere, securely and reliably, for less, with the Heartland Mobile Payments app. Begin processing credit card payments right through your iPhone, iPad or iPod Touch without paying additional set-up, monthly service, gateway or transaction fees. • Secure – All card data is encrypted as it’s swiped, then securely sent to Heartland for authorization, so sensitive card data is never stored on your mobile device or transmitted in the clear. • Cost-Effective – Get everything you need from one source with no middlemen, outside gateways or third party providers to increase your costs. • Reliable – Accept payments even when you are in areas without Wi-Fi access or cellular service, using our Store & Forward feature. • Comprehensive – Process card present, card not present (mail order, telephone order), voice authorization and other transaction types properly, minimizing time and cost while eliminating aggravation. With the Heartland Mobile Payments app, you get the first truly comprehensive mobile payment solution developed by a payments processor. In order to use the Heartland Mobile Payment app, a Heartland merchant account is required. *** FEATURES *** • Accept payments via secure card swipe or keyed entry • Process all major credit cards, corporate cards and Heartland gift cards • Customizable email receipts for your customers • Optional portable Bluetooth receipt printer • Access detailed reports on your mobile device, or through Heartland’s InfoCentral reporting portal • Electronic signature capture • Add photos of purchased goods • Record location of purchases • Live customer support available 24/7/365 •• Dedicated local sales representative *** GETTING STARTED *** Getting started is easy. Just download the free Heartland Mobile Payment app and contact Heartland to setup a merchant account and obtain your Heartland encrypted card reader. Learn more at HeartlandPaymentSystems.com or email HeartlandMobilePayments@e-hps.com

About

AnyPal

Send money to any PayPal account without needing a PayPal membership. Simply use the recipient's email address and your own to complete the transfer. This app facilitates quick money movement without saving details or taking a cut.

Highlights
  • Send money to any PayPal account
  • No PayPal account required for sender
  • Uses recipient's email address
  • No data saved
  • No transaction fees
Features
Currently charting
Read full description

AnyPal allows non-PayPal users the ability send money to any PayPal account without having to sign up and be a member of PayPal. All you need is the PayPal account holder's email address and the money will transfer to them and you will enter in your email address on the PayPal screen and get an email confirming the money transfer.. AnyPal does not save any details nor take a percentage of any payment. This is a great way to add money to your own PayPal account, pay for rent, or for anything where you need to transfer money to a PayPal account without having to sign-up with PayPal.

Screenshots

HMP Retail4 screens
AnyPal4 screens

Verdict

The call

The clearest difference is price: HMP Retail at Free against AnyPal's $0.99. HMP Retail also leads on rating (3.7 vs 3.0) and update cadence (every 2 months vs every 31 months). AnyPal's advantage is chart position (#151 vs unranked). On review sentiment, ratings volume, 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

HMP Retail is free to download; AnyPal costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

HMP Retail holds the better App Store score, 3.7 against 3.0. Both are backed by a comparable volume of ratings — 15 and 15 respectively. Written reviews complicate that: 38% of HMP Retail's written reviews are positive against 40% of AnyPal's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

HMP Retail ships an update every 2 months, AnyPal every 31 months. The most recent releases landed on November 5, 2026 and November 6, 2026 respectively.

Scorecard6 real differences · 5 level
HMP Retail versus AnyPal: the parameters behind the verdict, then further details
ParameterHMP RetailAnyPal
PriceFree — better$0.99
Rating3.7 (15 ratings) — better3.0 (15 ratings)
Positive reviews38.5% of reviews40.0% of reviews — better
Number of ratings1515
Update frequencyEvery 2 months — betterEvery 31 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
Best chart rank—#151 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS9.0 — better16.4
Further details — not scored
Size22 MB35 MB
Age rating4+4+
DeveloperHeartland Payment Systems, Inc.Greg Herrmann

Customer experience

HMP Retail

All ratings15 ratings
Positive66.7%
Neutral6.7%
Negative26.7%
Written reviews13 reviews
Positive38.5%
Neutral23.1%
Negative38.5%

AnyPal

All ratings15 ratings
Positive46.7%
Neutral6.7%
Negative46.7%
Written reviews5 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

In-app purchases

None

HMP Retail

No in-app purchases

None

AnyPal

No in-app purchases

Questions

Is HMP Retail free?
HMP Retail is free to download, with no in-app purchases.
Is AnyPal free?
AnyPal costs $0.99, with no in-app purchases.
Which has better reviews, HMP Retail or AnyPal?
HMP Retail is rated higher. HMP Retail averages 3.7 out of 5 from 15 ratings, while AnyPal averages 3.0 from 15 ratings.
Do HMP Retail or AnyPal have ads?
Neither HMP Retail nor AnyPal shows ads.
Which is updated more often, HMP Retail or AnyPal?
HMP Retail ships an update every 2 months, and AnyPal every 31 months. Most recently, HMP Retail was updated on November 5, 2026 and AnyPal on November 6, 2026.

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