HMP Retail vs PayLocally
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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)
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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
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.
- Hybrid online payment processing
- Payment without debit/credit cards
- Pre-credited account payments
- Online shopper payments
- E-merchant payment solutions
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
HMP Retail ships an update every 2 months, PayLocally monthly. The most recent releases landed on November 5, 2026 and November 4, 2026 respectively.
| Parameter | HMP Retail | PayLocally |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (15 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 38.5% of reviews | — |
| Number of ratings | 15 — better | 1 |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 9.0 — better | 10.3 |
| Further details — not scored | ||
| Size | 22 MB | 30 MB |
| Age rating | 4+ | 17+ |
| Developer | Heartland Payment Systems, Inc. | PayLocally LLC |
In-app purchases
HMP Retail
No in-app purchases
PayLocally
No in-app purchases









