# SmartSwipe Credit Card Reader vs Payable

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.

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

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.

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.

## The numbers

| Metric | SmartSwipe Credit Card Reader | Payable |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (45 ratings)](https://appshunter.io/ios/app/smartswipe-credit-card-reader/id615529232/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/payable/id1122916286/reviews) |
| Number of ratings | **45** | 4 |
| Positive reviews | **64.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Size | 31 MB | 68 MB |
| Requires iOS | 12.0 | **11.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [John Kennedy](https://appshunter.io/developer/1691416823) | [PAYable (Pvt) Ltd.](https://appshunter.io/developer/1122916285) |

## What reviewers say

### SmartSwipe Credit Card Reader

[App page](https://appshunter.io/ios/app/smartswipe-credit-card-reader/id615529232)

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and easy to use
- 🚀 Fast and efficient transactions
- 💡 Good for business growth
- 💰 Competitive pricing and rates
- 🤝 Great customer support

**What reviewers complain about**

- ⚠️ Hidden fees and contracts
- 📞 Terrible customer service
- 🇨🇦 Not supporting Canadian businesses
- ⏳ Long waiting times for money
- 📉 High termination fees

**Reported bugs**

- App crashes
- Card reader not reading cards
- Email verification not sent
- Login screen freezes
- Demo not working initially

**Requested features**

- Support for Canadian businesses
- Clearer contract terms
- Improved customer service responsiveness
- More transparent fee structure


### Payable

[App page](https://appshunter.io/ios/app/payable/id1122916286)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*