Comparison

SmartSwipe Credit Card Reader vs Processa

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

Processa

This cloud-based point-of-sale application simplifies credit card payment processing for businesses. It allows for product customization, customer data storage, and real-time analytics. Advanced features are available for iPad users, including table mode for restaurants.

Highlights
  • Process credit card payments
  • Customize products with details and images
  • Securely store customer payment information
  • Apply custom tips and discounts
  • View real-time payment analytics
  • Detailed transaction history
  • Split payment functionality
Features
Read full description

Processa is the cloud-based POS (Point-of-Sale) app that you and your business need. The simplest and quickest way to accept credit card payments on your device. Features: - Process payments right on your device or connect your card reader. - Customize your products with names, descriptions, unique taxes and images. - Use the Customer Vault to save your customer data and their payment information. - Add unique tips and discounts. - View real-time analytics about your payments. - See your detailed transaction history. - Enter manual amounts during the checkout process. - Split payment functionality. - Email your transactions to your customers. iPad features: - Advanced checkout system. - Have multiple open carts at the same time. - Table mode for restaurants and bars.

Screenshots

SmartSwipe Credit Card Reader4 screens
Processa4 screens

Verdict

The call

The clearest difference is rating: SmartSwipe Credit Card Reader at 4.3 against Processa's 4.0. SmartSwipe Credit Card Reader also leads on review sentiment (65% vs 50%) and ratings volume (45 vs 10). 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 4.0. Both are backed by a comparable volume of ratings — 45 and 10 respectively. Written reviews point the same way: 65% of SmartSwipe Credit Card Reader's written reviews are positive against 50% of Processa's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
SmartSwipe Credit Card Reader versus Processa: the parameters behind the verdict, then further details
ParameterSmartSwipe Credit Card ReaderProcessa
PriceFreeFree
Rating4.3 (45 ratings) — better4.0 (10 ratings)
Positive reviews64.5% of reviews — better50.0% of reviews
Number of ratings45 — better10
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size31 MB122 MB
Age rating4+4+
DeveloperJohn KennedyFluid Pay LLC

Customer experience

SmartSwipe Credit Card Reader

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

Processa

All ratings10 ratings
Positive70.0%
Neutral10.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

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

Processa

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SmartSwipe Credit Card Reader

No in-app purchases

None

Processa

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 Processa free?
Processa is free to download, with no in-app purchases.
Which has better reviews, SmartSwipe Credit Card Reader or Processa?
SmartSwipe Credit Card Reader is rated higher. SmartSwipe Credit Card Reader averages 4.3 out of 5 from 45 ratings, while Processa averages 4.0 from 10 ratings.
Do SmartSwipe Credit Card Reader or Processa have ads?
Neither SmartSwipe Credit Card Reader nor Processa shows ads.
Which is updated more often, SmartSwipe Credit Card Reader or Processa?
SmartSwipe Credit Card Reader ships an update every 2 months, and Processa every 2 months. Most recently, SmartSwipe Credit Card Reader was updated on November 3, 2026 and Processa on November 3, 2026.

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