Comparison

HMP Retail vs KCSB Mobile Banking

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

KCSB Mobile Banking

Manage your Kalamazoo County State Bank accounts on the go. Check balances, review transactions, transfer funds, and pay bills securely. Supports Touch ID/Face ID for quick and safe access.

Highlights
  • Check account balances
  • Search recent transactions
  • Transfer cash between accounts
  • Pay bills
  • Manage payees
  • Touch ID/Face ID login
Features
Read full description

Start banking wherever you are with Kalamazoo County State Bank Mobile App. Available to all Kalamazoo County State Bank online banking customers. Available features include: Accounts: •Check your latest account balance and search recent transactions by date, amount, or check number. Transfers: •Easily transfer cash between your accounts. Bill Pay: •Make payments and view recent and scheduled payments. Manage Payees: •Ability to add new payees, existing payers, or delete payees directly from the mobile app. Touch ID/Face ID: •Touch ID/Face ID allows you to use a secure and more efficient sign-on experience using your fingerprint or facial recognition.

Screenshots

HMP Retail4 screens
KCSB Mobile Banking4 screens

Verdict

The call

The clearest difference is rating: KCSB Mobile Banking at 4.8 against HMP Retail's 3.7. KCSB Mobile Banking also leads on ratings volume (54 vs 15). HMP Retail's advantage is ads (none vs shown) and update cadence (every 2 months vs every 4 months). On price, in-app purchases and device support 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

KCSB Mobile Banking holds the better App Store score, 4.8 against 3.7. Both are backed by a comparable volume of ratings — 15 and 54 respectively.

UpkeepUpdate frequency

HMP Retail ships an update every 2 months, KCSB Mobile Banking every 4 months. The most recent releases landed on October 23, 2026 and October 20, 2026 respectively.

Scorecard6 real differences · 4 level
HMP Retail versus KCSB Mobile Banking: the parameters behind the verdict, then further details
ParameterHMP RetailKCSB Mobile Banking
PriceFreeFree
Rating3.7 (15 ratings)4.8 (54 ratings) — better
Positive reviews38.5% of reviews—
Number of ratings1554 — better
Update frequencyEvery 2 months — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS9.0 — better15.0
Further details — not scored
Size22 MB148 MB
Age rating4+4+
DeveloperHeartland Payment Systems, Inc.KALAMAZOO COUNTY STATE BANK

Customer experience

HMP Retail

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

KCSB Mobile Banking

All ratings47 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

HMP Retail

No in-app purchases

None

KCSB Mobile Banking

No in-app purchases

Questions

Is HMP Retail free?
HMP Retail is free to download, with no in-app purchases.
Is KCSB Mobile Banking free?
KCSB Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, HMP Retail or KCSB Mobile Banking?
KCSB Mobile Banking is rated higher. HMP Retail averages 3.7 out of 5 from 15 ratings, while KCSB Mobile Banking averages 4.8 from 54 ratings.
Do HMP Retail or KCSB Mobile Banking have ads?
KCSB Mobile Banking shows ads; HMP Retail does not.
Which is updated more often, HMP Retail or KCSB Mobile Banking?
HMP Retail ships an update every 2 months, and KCSB Mobile Banking every 4 months. Most recently, HMP Retail was updated on October 23, 2026 and KCSB Mobile Banking on October 20, 2026.

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