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Best Merchant Account Apps

208+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

Every iPhone needs a few good merchant account apps. We benchmark 208+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Top Picks for Merchant Account

Found: Business Banking#1

Found: Business Banking by Indie Technologies Inc

Banking, Bookkeeping, & Taxes
Editor's Choice
💰 Finance
4.8😐(32K ratings)
Free
Found: Business Banking screenshot 1
Found: Business Banking screenshot 2
Found: Business Banking screenshot 3
Found: Business Banking screenshot 4
Found: Business Banking screenshot 5
Found: Business Banking screenshot 6

This app offers business checking, bookkeeping, and tax tools for small businesses. It simplifies workflows by allowing users to track expenses, save receipts, manage taxes, send invoices, and pay contractors all within the application, with no hidden fees.

What We Love

  • 🚀 Seamless onboarding and account setup
  • 🔒 Robust security features
  • 👍 Intuitive and user-friendly interface
  • 🤑 Helpful tax and expense tracking features

Room to Improve

  • 🐛 Occasional app crashes and freezes
  • 🕰️ Slow response times and delayed account updates
  • 🚫 Limited customer support options
SwipeSimple - Point of Sale#2

SwipeSimple - Point of Sale by CardFlight, Inc.

Accept Payments Anywhere
Strong Contender
💼 Business
4.8😐(5.6K ratings)
Free
SwipeSimple - Point of Sale screenshot 1
SwipeSimple - Point of Sale screenshot 2
SwipeSimple - Point of Sale screenshot 3
SwipeSimple - Point of Sale screenshot 4

This application allows businesses to accept credit card payments on the go. It provides tools for recording transactions, calculating taxes, managing discounts, and tracking sales in real-time. Inventory management and user permissions are also supported.

What We Love

  • 👍 Easy to use
  • 🚀 Seamless payment processing
  • 💳 Reliable card reader
  • 📱 Convenient mobile app

Room to Improve

  • 🐛 Connectivity issues with Bluetooth card reader
  • 🔍 Limited reporting and analytics
  • 💰 Hidden fees and unexpected charges
Merchant.app#3

Merchant.app by Merchant Platforms, Inc.

A modern approach to payments
Worth Considering
💰 Finance
5.0(6 ratings)
Free
Merchant.app screenshot 1
Merchant.app screenshot 2
Merchant.app screenshot 3
Merchant.app screenshot 4

This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.

More Merchant Account apps to explore

4
CASHDROP
CASHDROP
CASHDROP
Sell online from your phone
Free

This app allows businesses to sell products and services both online and in-person without charging any seller fees. It offers a comprehensive suite of tools including payment processing, inventory management, sales analytics, and marketing features, all accessible from a mobile device.

Zero seller fees on all salesAccept cash, card, and QR code paymentsBuild a commission-free online store
💼 Business
(284)
free
5
QuickBooks GoPayment POS
QuickBooks GoPayment POS
QuickBooks GoPayment POS
Mobile POS
Free

Accept in-person and contactless payments directly on your iPhone without extra hardware. Manage sales, send receipts, and sync transactions with your accounting software. Streamline your business finances on the go.

Accept contactless payments via Tap to Pay on iPhoneProcess debit and credit card paymentsSend text or email receipts
💼 Business
(6.4K)
free with in-app purchases
6
PayTrace Go
PayTrace Go
PayTrace Go
Mobile Payment Processing
Free

Process credit card payments on the go with this mobile solution. Capture signatures, send email receipts, manage customer information, and review transaction history directly from your device.

Credit card processingSignature captureEmail receipts
💼 Business
(744)
free
7
GoDaddy Commerce: POS Payments
GoDaddy Commerce: POS Payments
GoDaddy Commerce: POS Payments
Sell, Get Paid, Grow
Free

Manage your business sales, inventory, and payments from your phone. This app offers fast checkout with barcode scanning, flexible payment options, and comprehensive business management tools. Grow your business on the go with ease.

Barcode scanning for faster checkoutReal-time stock level trackingFlexible payment options (Tap to Pay, Pay Links, QR Codes)
💼 Business
(16K)
free with in-app purchases
8
ChargeStripe: Stripe Payments
ChargeStripe: Stripe Payments
ChargeStripe: Stripe Payments
Mobile Credit Card Processing
Free

Transform your iPhone into a powerful payment terminal. Accept credit and debit cards, mobile wallets, and recurring payments with ease. Securely process transactions in over 135 currencies with customizable business tools.

Accept credit and debit cardsTap to Pay on iPhoneApple Pay and Google Pay support
💰 Finance
(2.1K)
free with in-app purchases
9
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Credit Card Reader & Payment
Free

This app is a comprehensive point-of-sale system for businesses. It allows you to accept various payment types, manage inventory, track sales, and send invoices directly from your device. Optional hardware can enhance its functionality for different business needs.

Accept contactless, chip, and magstripe paymentsTrack cash and gift card salesCreate and send invoices
💼 Business
(653)
free with in-app purchases
10
Novo - Small Business Checking
Novo - Small Business Checking
Novo - Small Business Checking
Built for modern businesses
Free

This app offers a digital checking account designed for modern small businesses. Apply online quickly and access free banking tools, including debit card control, bill pay, ACH transfers, and check deposits. Manage funds efficiently with features like transaction categorization and savings reserves.

Online account applicationFree banking toolsDebit card control
💰 Finance
(20K)
free
11
OnPoint Mobile
OnPoint Mobile
OnPoint Mobile
by OnPoint Community Credit Union
Free

Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.

Secure sign-in with biometricsBill management and paymentsSend money to contacts
💰 Finance
(23K)
free with in-app purchases
12
Branch: A Better Payday
Branch: A Better Payday
Branch: A Better Payday
Your money—fast
Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

Fast wage accessDigital bank accountDebit card
💰 Finance
(67K)
free with in-app purchases
13
OPay Business
OPay Business
OPay Business
by OPAY DIGITAL SERVICES PTE. LTD.
Free

This app empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.

Omnichannel payment collectionUnique account for transfersPOS application and management
💰 Finance
(337)
free
14
Nomod | Payment Links
Nomod | Payment Links
Nomod | Payment Links
Pay links and card processing
Free

Create and share payment links, process card payments, and sell anything anywhere. Offers online and in-person payment options, including buy now pay later services. Ideal for businesses needing flexible payment solutions.

Create and share payment linksAccept online and in-person paymentsSupport for Tabby & Tamara (BNPL)
💼 Business
(57)
free with in-app purchases
15
InstaBIZ by ICICI Bank
InstaBIZ by ICICI Bank
InstaBIZ by ICICI Bank
Loan, UPI, Merchant Banking
Free

This all-in-one business banking app offers a comprehensive suite of services for daily financial needs. Customers can manage accounts, apply for various loans, handle export-import transactions, and make instant payments. It also provides seamless merchant banking solutions.

Open current account instantlyApply for loans and overdraftsManage export-import transactions
💰 Finance
(680)
free
16
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases
17
Wonder - Business Account
Wonder - Business Account
Wonder - Business Account
Omni-channel Business Solution
Free

This app provides a comprehensive digital solution for businesses to collect payments, manage invoicing, and track transactions. It offers features like virtual terminals, online invoicing, and real-time reporting to streamline business operations and facilitate growth.

Collect payments without external hardwareGenerate and send online invoicesVirtual terminal for mobile devices
💰 Finance
(5)
free
18
JazzCash Business
JazzCash Business
JazzCash Business
Track, Manage & Accept Payment
Free

Manage your business finances on the go. Track performance, accept payments via QR codes or invoices, and make disbursements. Features include instant refunds, debit card management, and earning rewards for referrals.

Track business performanceAccept and manage paymentsGenerate invoices and reminders
💰 Finance
(143)
free
19
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Recharges, Bills Payments
Free

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(164K)
free with in-app purchases
20
Lili - Business Banking
Lili - Business Banking
Lili - Business Banking
Banking, Accounting & Taxes
Free

This all-in-one platform offers business banking, smart bookkeeping, tax preparation, credit building, and invoicing for small business owners. Manage your finances, track expenses, and get paid faster, all in one place.

Business checking accountSmart bookkeeping toolsTax preparation features
💰 Finance
(6.9K)
free with in-app purchases

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