PayTrace Go vs SmartSwipe Credit Card Reader
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayTrace Go
Process credit card payments on the go with this mobile solution. Capture signatures, send email receipts, manage customer information, and review transaction history directly from your device.
- Credit card processing
- Signature capture
- Email receipts
- Customer management
- Transaction history review
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PayTrace Go is a mobile payment solution that allows PayTrace merchants to process credit cards, capture signatures, send email receipts, manage customers, and review past transactions.
SmartSwipe Credit Card Reader
Transform your mobile device into a complete point-of-sale system. Easily manage products, track inventory, accept various payment types, and generate real-time reports. This app is designed for businesses of all types, offering a powerful and free solution.
- Product management with photos and pricing
- Inventory tracking
- Record credit cards, cash, and checks
- Add modifiers for restaurants
- Set discounts on products and orders
- Track tips and taxes
- Real-time reports and sales history
- Email, text, or print receipts
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Free Credit Card Reader & Point of Sale System. Transform your iPhone or iPad into a Point of Sale System (POS) and manage your retail or mobile business from anywhere. Easily manage products and payments anywhere your business takes you. Whether you are a retail business, food truck, hair stylist, pop up business or have a restaurant, SmartSwipe is catered for any and all business types. This free card reader is powerful, and is loaded with many features. Most POS apps charge you monthly or require you to activate a merchant account to use their application, but not us! Use our app for free and we will grow with you. SIMPLE SET UP 1. Download app 2. Create a username and password 3. Start managing your business CALL 866-925-5007 for quick set up FEATURES SmartSwipe has everything you need to manage and grow your business. All features are free and we continue to add new and innovative technology. - Manage products with photos, names, and pricing – Our merchant account solutions make it easy to manage your payments. - Track inventory – With this all in one, credit card reader cum payment management app. - Record credit cards, cash and checks – Never lose track of your payments. An easy, all in one way of tracking your payments. - Add modifiers for restaurants – Payment App that allows you to label the locations. - Set discounts on products and orders – Keep your customers happier. Do more with with less charge on credit card processing fee, but also - Track tips and taxes – A full purpose solution that lets you track the tips that you receive, along with tracking the taxes. A reliable payment solution cum financial app. - Real-time reports and sales history – Quick and swift reporting, a glimpse to sales history, and much more. Now, don’t just accept payments, but manage everything right from your point of sale system app. - Email, text or print receipts – A formidable credit card reader for iPhone. With this credit card reader app, you can email, text or print receipts to anyone. https://www.merchantaccountsolutions.com/?utm_source=app&utm_campaign=APPSTORE-APPLE
Screenshots
Verdict
The clearest difference is rating: PayTrace Go at 4.9 against SmartSwipe Credit Card Reader's 4.3. PayTrace Go also leads on ratings volume (808 vs 45). On price, review sentiment, update cadence and ads 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.
PayTrace Go holds the better App Store score, 4.9 against 4.3. That said, the two scores are not equally well evidenced: PayTrace Go has 808 ratings behind it against 45, so its average is the more settled of the two. Written reviews point the same way: 67% of PayTrace Go's written reviews are positive against 65% of SmartSwipe Credit Card Reader's.
PayTrace Go ships an update every 4 months, SmartSwipe Credit Card Reader every 2 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.
| Parameter | PayTrace Go | SmartSwipe Credit Card Reader |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (808 ratings) — better | 4.3 (45 ratings) |
| Positive reviews | 66.7% of reviews — better | 64.5% of reviews |
| Number of ratings | 808 — better | 45 |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.4 | 12.0 — better |
| Further details — not scored | ||
| Size | 29 MB | 31 MB |
| Age rating | 4+ | 4+ |
| Developer | PayTrace | John Kennedy |
Customer experience
PayTrace Go
SmartSwipe Credit Card Reader
User reviews
PayTrace Go
From 808 App Store ratingsWhat we love
- 🚀 Fast and quick processing
- 👍 Easy to use interface
- 💰 Fair and competitive rates
- 🎯 Reliable payment delivery
- 🤝 Great customer support
Room to improve
- 🐛 Card reader compatibility issues
- 🐛 Field formatting problems on larger screens
- 🐛 Data clearing glitches during entry
- 📏 Signature box too small
- 🔄 App requires frequent restarts
SmartSwipe Credit Card Reader
From 45 App Store ratingsWhat we love
- 👍 User-friendly and easy to use
- 🚀 Fast and efficient transactions
- 💡 Good for business growth
- 💰 Competitive pricing and rates
- 🤝 Great customer support
Room to improve
- ⚠️ Hidden fees and contracts
- 📞 Terrible customer service
- 🇨🇦 Not supporting Canadian businesses
- ⏳ Long waiting times for money
- 📉 High termination fees
Bugs and requests
PayTrace Go
Reported bugs
7 issues- Card reader not recognized on iPhone
- App randomly clears all form fields during data entry
- Card expiration date adds 5 years incorrectly
- Information fields run off screen on larger phones
- Bottom field overlaps with invoice slot
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- App freezes and requires restart before transactions
- Card reader accuracy issues with incorrect readings
Requested features
4 requests- Photo-based card reader functionality
- Enlarged confirmation box
- Better field scrolling on larger devices
- Improved signature capture area
SmartSwipe Credit Card Reader
Reported bugs
5 issues- App crashes
- Card reader not reading cards
- Email verification not sent
- Login screen freezes
- Demo not working initially
Requested features
4 requests- Support for Canadian businesses
- Clearer contract terms
- Improved customer service responsiveness
- More transparent fee structure
In-app purchases
PayTrace Go
No in-app purchases
SmartSwipe Credit Card Reader
No in-app purchases
Questions
Is PayTrace Go free?
Is SmartSwipe Credit Card Reader free?
Which has better reviews, PayTrace Go or SmartSwipe Credit Card Reader?
Do PayTrace Go or SmartSwipe Credit Card Reader have ads?
Which is updated more often, PayTrace Go or SmartSwipe Credit Card Reader?
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