# SmartSwipe Credit Card Reader vs Zulio

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.

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.

## The numbers

| Metric | SmartSwipe Credit Card Reader | Zulio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (45 ratings)](https://appshunter.io/ios/app/smartswipe-credit-card-reader/id615529232/reviews)** | [3.8 (11 ratings)](https://appshunter.io/ios/app/zulio/id6446093895/reviews) |
| Number of ratings | **45** | 11 |
| Positive reviews | **64.5% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 31 MB | 62 MB |
| Requires iOS | **12.0** | 15.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [John Kennedy](https://appshunter.io/developer/1691416823) | [Provident Payments Central LLC](https://appshunter.io/developer/1675895508) |

## 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


### Zulio

[App page](https://appshunter.io/ios/app/zulio/id6446093895)

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.

**Highlights:** Accept card payments, No processing fees, Auto-calculate fees, Offer cash discounts, Send invoices, Clean reporting, Personal customer support

**Features:** Apple Wallet

**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 Zulio free?

Zulio is free to download, with no in-app purchases.

### Which has better reviews, SmartSwipe Credit Card Reader or Zulio?

SmartSwipe Credit Card Reader is rated higher. SmartSwipe Credit Card Reader averages 4.3 out of 5 from 45 ratings, while Zulio averages 3.8 from 11 ratings.

### Do SmartSwipe Credit Card Reader or Zulio have ads?

Neither SmartSwipe Credit Card Reader nor Zulio shows ads.

### Which is updated more often, SmartSwipe Credit Card Reader or Zulio?

SmartSwipe Credit Card Reader ships an update every 2 months, and Zulio every 3 weeks. Most recently, SmartSwipe Credit Card Reader was updated on October 22, 2026 and Zulio on October 24, 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.*