Comparison

SmartSwipe Credit Card Reader vs Payable

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

Head to head
About

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.

Highlights
  • 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
Read full description

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

About

Payable

Accept cashless payments easily and securely with a portable card reader and mobile app. Ideal for businesses of all sizes, it supports a wide range of card networks and provides quick access to funds.

Highlights
  • Accepts Visa, Mastercard, Amex, CUP, Alipay, and QPlus
  • Portable and secure Bluetooth card reader
  • Send receipts via email or text
  • Funds deposited within 1-2 business days
  • No monthly targets or rentals
  • Supports multiple currency types
Features
Read full description

Never miss a Sale with the Payable Card Reader & App. Payable makes it easy, safe, and cost-effective for businesses of all sizes to start accepting cashless payments. Payable offers a variety of credit card readers along with a custom-developed App, making it possible for merchants to accept cashless payments and manage transactions directly on their mobile devices. The solution allows merchants to accept payments from VISA, Mastercard, AMEX, Diners Club, Alipay, CUP, and is the only MPOS terminal in Sri Lanka to support payments from such a wide variety of networks on one unit. Payable offers lightweight, portable, and highly secure card readers that connect to a mobile phone via Bluetooth and allow merchants to begin accepting card payments in-store or on the go with minimal hassle. The solution guarantees money in the merchant's account within 2 business days and is offered without monthly targets, rentals, or minimum transaction values – making it the ideal solution for MSME merchants to grow their business and access the cashless ecosystem. Features: • Accepts Visa, Mastercard, Amex and CUP transactions • Accepts QPlus and Alipay transactions • Easy to Use Card Reader & App • Secure solution developed to meet PA DSS compliance • Bluetooth connectivity between phone & card reader offers increased connection reliability • Portable and lightweight • Free installation, set up, and training • Ability to send receipts via email or text message • Portable solution ideal for trade fairs, events, deliveries & on the go businesses • No fixed-line connectivity required • Automated transaction reconciliation • Money in your account within 1-2 business days • Easy Access to Support via Hotline • Supports multiple currency types • Installment transactions

Screenshots

SmartSwipe Credit Card Reader4 screens
Payable4 screens

Verdict

The call

The clearest difference is review sentiment: SmartSwipe Credit Card Reader at 65% against Payable's 0%. SmartSwipe Credit Card Reader also leads on rating (4.3 vs 2.0) and ratings volume (45 vs 4). 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

SmartSwipe Credit Card Reader holds the better App Store score, 4.3 against 2.0. That said, the two scores are not equally well evidenced: SmartSwipe Credit Card Reader has 45 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 65% of SmartSwipe Credit Card Reader's written reviews are positive against 0% of Payable's.

UpkeepUpdate frequency

SmartSwipe Credit Card Reader ships an update every 2 months, Payable every 3 months. The most recent releases landed on October 6, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 7 level
SmartSwipe Credit Card Reader versus Payable: the parameters behind the verdict, then further details
ParameterSmartSwipe Credit Card ReaderPayable
PriceFreeFree
Rating4.3 (45 ratings) — better2.0 (4 ratings)
Positive reviews64.5% of reviews — better0.0% of reviews
Number of ratings45 — better4
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.011.0 — better
Further details — not scored
Size31 MB68 MB
Age rating4+4+
DeveloperJohn KennedyPAYable (Pvt) Ltd.

Customer experience

SmartSwipe Credit Card Reader

All ratings45 ratings
Positive82.2%
Neutral2.2%
Negative15.6%
Written reviews62 reviews
Positive64.5%
Neutral3.2%
Negative32.3%

Payable

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

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

Payable

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SmartSwipe Credit Card Reader

No in-app purchases

None

Payable

No in-app purchases

Questions

Is SmartSwipe Credit Card Reader free?
SmartSwipe Credit Card Reader is free to download, with no in-app purchases.
Is Payable free?
Payable is free to download, with no in-app purchases.
Which has better reviews, SmartSwipe Credit Card Reader or Payable?
SmartSwipe Credit Card Reader is rated higher. SmartSwipe Credit Card Reader averages 4.3 out of 5 from 45 ratings, while Payable averages 2.0 from 4 ratings.
Do SmartSwipe Credit Card Reader or Payable have ads?
Neither SmartSwipe Credit Card Reader nor Payable shows ads.
Which is updated more often, SmartSwipe Credit Card Reader or Payable?
SmartSwipe Credit Card Reader ships an update every 2 months, and Payable every 3 months. Most recently, SmartSwipe Credit Card Reader was updated on October 6, 2026 and Payable on September 23, 2026.

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