Comparison

HMP Retail vs PayLocally

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

PayLocally

This app offers a hybrid online payment solution for shoppers and businesses. It allows users to make payments with or without traditional cards, provided their account is pre-credited.

Highlights
  • Hybrid online payment processing
  • Payment without debit/credit cards
  • Pre-credited account payments
  • Online shopper payments
  • E-merchant payment solutions
Features
Read full description

It is a hybrid online Payment solution that provides payment processing to both online shoppers, e-merchants and businesses. It’s online payment solution enables online shoppers to make payments with or without debit or credit cards as long as the user's account is pre-credited with debit or credit card. And this can be done through PayLocally’s website.

Screenshots

HMP Retail4 screens
PayLocally4 screens

Verdict

The call

The clearest difference is rating: PayLocally at 5.0 against HMP Retail's 3.7. HMP Retail's advantage is ratings volume (15 vs 1). On price, update cadence, 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

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

ReceptionRating · Positive reviews · Number of ratings

PayLocally holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: HMP Retail has 15 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

HMP Retail ships an update every 2 months, PayLocally monthly. The most recent releases landed on November 5, 2026 and November 4, 2026 respectively.

Scorecard2 real differences · 8 level
HMP Retail versus PayLocally: the parameters behind the verdict, then further details
ParameterHMP RetailPayLocally
PriceFreeFree
Rating3.7 (15 ratings)5.0 (1 ratings) — better
Positive reviews38.5% of reviews—
Number of ratings15 — better1
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS9.0 — better10.3
Further details — not scored
Size22 MB30 MB
Age rating4+17+
DeveloperHeartland Payment Systems, Inc.PayLocally LLC

In-app purchases

None

HMP Retail

No in-app purchases

None

PayLocally

No in-app purchases

Questions

Is HMP Retail free?
HMP Retail is free to download, with no in-app purchases.
Is PayLocally free?
PayLocally is free to download, with no in-app purchases.
Which has better reviews, HMP Retail or PayLocally?
PayLocally is rated higher. HMP Retail averages 3.7 out of 5 from 15 ratings, while PayLocally averages 5.0 from 1 ratings.
Do HMP Retail or PayLocally have ads?
Neither HMP Retail nor PayLocally shows ads.
Which is updated more often, HMP Retail or PayLocally?
HMP Retail ships an update every 2 months, and PayLocally monthly. Most recently, HMP Retail was updated on November 5, 2026 and PayLocally on November 4, 2026.

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