SmartSwipe Credit Card Reader vs Zulio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Zulio
Empower your business to accept card payments without incurring additional costs. This app allows you to automatically include credit card fees in your pricing and offer cash discounts. Enjoy no processing fees, simple reporting, and dedicated customer support.
- Accept card payments
- No processing fees
- Auto-calculate fees
- Offer cash discounts
- Send invoices
- Clean reporting
- Personal customer support
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Give customers choice in how they pay without increasing your costs. Accepting card payments using traditional processors with high fees, and complicated PCI requirements can feel unfair. You shouldn't have to pay another “gross income tax” to get paid for the work you do. Auto calculate and include the credit card fee in your regular price and offer discount for paying with cash. No Processing Fees Accept Payments Send Invoices Personal Customer Support No Annual PCI Requirements Clean reporting. Keep 100% of everything that hits your account.
Screenshots
Verdict
The clearest difference is rating: SmartSwipe Credit Card Reader at 4.3 against Zulio's 3.8. SmartSwipe Credit Card Reader also leads on review sentiment (65% vs 50%) and ratings volume (45 vs 11). Zulio's advantage is update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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.
SmartSwipe Credit Card Reader holds the better App Store score, 4.3 against 3.8. Both are backed by a comparable volume of ratings — 45 and 11 respectively. Written reviews point the same way: 65% of SmartSwipe Credit Card Reader's written reviews are positive against 50% of Zulio's.
SmartSwipe Credit Card Reader ships an update every 2 months, Zulio every 3 weeks. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.
| Parameter | SmartSwipe Credit Card Reader | Zulio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (45 ratings) — better | 3.8 (11 ratings) |
| Positive reviews | 64.5% of reviews — better | 50.0% of reviews |
| Number of ratings | 45 — better | 11 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.4 |
| Further details — not scored | ||
| Size | 31 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | John Kennedy | Provident Payments Central LLC |
Customer experience
SmartSwipe Credit Card Reader
Zulio
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
Zulio
Not enough reviews yet to summarise bugs or requests.
In-app purchases
SmartSwipe Credit Card Reader
No in-app purchases
Zulio
No in-app purchases
Questions
Is SmartSwipe Credit Card Reader free?
Is Zulio free?
Which has better reviews, SmartSwipe Credit Card Reader or Zulio?
Do SmartSwipe Credit Card Reader or Zulio have ads?
Which is updated more often, SmartSwipe Credit Card Reader or Zulio?
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