Comparison

SmartSwipe Credit Card Reader vs PayfirmaHQ Mobile

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

PayfirmaHQ Mobile

Features
Read full description

Payfirma Mobile turns your iPhone into a hub for accepting credit card payments and keeping up with your growing business. With support for US and Canadian currency, web-based reporting, and employee permissions, Payfirma Mobile lets you run your business from the palm of your hand. • Accept credit card payments • Track cash, check, and other payments • Email customized digital receipts • Partial and full refunds • Map sale locations Payfirma has offices in the US and Canada and has been pioneering mobile payments since 2011. For answers on all things Payfirma, visit www.payfirma.com or call 1-800-747-6883. All credit card processing requires a merchant account with Payfirma.

Screenshots

SmartSwipe Credit Card Reader4 screens
PayfirmaHQ Mobile4 screens

Verdict

The call

The clearest difference is iOS requirement: PayfirmaHQ Mobile at 9.0 against SmartSwipe Credit Card Reader's 12.0. 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.

UpkeepUpdate frequency

SmartSwipe Credit Card Reader ships an update every 2 months, PayfirmaHQ Mobile every 3 months. The most recent releases landed on November 3, 2026 and November 11, 2026 respectively.

Scorecard1 real difference · 9 level
SmartSwipe Credit Card Reader versus PayfirmaHQ Mobile: the parameters behind the verdict, then further details
ParameterSmartSwipe Credit Card ReaderPayfirmaHQ Mobile
PriceFreeFree
Rating4.3 (45 ratings) — better—
Positive reviews64.5% of reviews—
Number of ratings45 — better—
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.09.0 — better
Further details — not scored
Size31 MB48 MB
Age rating4+4+
DeveloperJohn KennedyPayfirma Corporation

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

PayfirmaHQ Mobile

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SmartSwipe Credit Card Reader

No in-app purchases

None

PayfirmaHQ Mobile

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 PayfirmaHQ Mobile free?
PayfirmaHQ Mobile is free to download, with no in-app purchases.
Do SmartSwipe Credit Card Reader or PayfirmaHQ Mobile have ads?
Neither SmartSwipe Credit Card Reader nor PayfirmaHQ Mobile shows ads.
Which is updated more often, SmartSwipe Credit Card Reader or PayfirmaHQ Mobile?
SmartSwipe Credit Card Reader ships an update every 2 months, and PayfirmaHQ Mobile every 3 months. Most recently, SmartSwipe Credit Card Reader was updated on November 3, 2026 and PayfirmaHQ Mobile on November 11, 2026.

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