Best Merchant Account Provider Apps

222+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated June 2026

Looking for free merchant account provider apps? 20 of our 222+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Merchant Account Provider Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PhoneSwipe - Merchant ServicesPhoneSwipe - Merchant ServicesFree3.9★ (16)NoNoJul 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)YesNoJul 2026
3QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8★ (6.4K)YesNoJul 2026
4Credit Card Machine - AcceptCredit Card Machine - AcceptFree3.7★ (21)NoNoMay 2026
5Aspire Account CenterAspire Account CenterFree2.3★ (78)NoNoJul 2026
6AmexAmexFree4.9★ (4.3M)NoNoJul 2026
7Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoJul 2026
8Stripe DashboardStripe DashboardFree4.7★ (69K)NoNoJul 2026

Top Picks for Merchant Account Provider

Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
FreeAds
#36in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
QuickBooks GoPayment POS#3

QuickBooks GoPayment POS by Intuit Inc.

Mobile POS
Worth Considering
💼 Business
4.8😞(6.4K ratings)
FreeAds
QuickBooks GoPayment POS screenshot 1
QuickBooks GoPayment POS screenshot 2
QuickBooks GoPayment POS screenshot 3
QuickBooks GoPayment POS screenshot 4
QuickBooks GoPayment POS screenshot 5
QuickBooks GoPayment POS screenshot 6

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.

What We Love

  • ⭐ Great app
  • 🚀 Convenient for mobile payments
  • 💳 Integrates well with QuickBooks

Room to Improve

  • 🔒 Security concerns with withheld payments
  • ❌ Poor customer service
  • 🐛 Frequent app crashes and bugs

More Merchant Account Provider apps to explore

4
Credit Card Machine - Accept
Credit Card Machine - Accept
Credit Card Machine - Accept
by Paynet Systems, Inc
Free

This app allows businesses to accept credit card payments on the go, in-store, and online. It offers features for managing sales, invoices, recurring billing, and even includes a free online webstore. Get paid quickly with deposits in 1-2 business days.

Accept credit card paymentsCreate and send invoicesSet up recurring billing
💼 Business
(21)
free with in-app purchases
5
Aspire Account Center
Aspire Account Center
Aspire Account Center
by Atlanticus Services Corporation
Free

Manage your credit cards from your Apple device. Check balances, view transactions, set up alerts, and monitor your credit score for free. Securely access your accounts with fingerprint or PIN.

Manage credit cardsCheck account balancesView payment activity
💰 Finance
(78)
free
6
Amex
Amex
Amex
Payments, Balance & Rewards
Free

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

Secure account managementTrack spending and rewardsPay bills and manage balance
💰 Finance
(4.3M)
free
7
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
8
Stripe Dashboard
Stripe Dashboard
Stripe Dashboard
Accept and manage payments
Free

Manage your business finances and accept payments from anywhere. Monitor revenue, balances, and payouts in real-time. Send invoices, create subscriptions, and issue refunds directly from your mobile device.

Real-time revenue and balance monitoringAccept in-person paymentsSend payment links and invoices
💼 Business
(69K)
free with in-app purchases
9
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
10
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
Sell & Get Paid Now
Free

Accept contactless payments directly on your iPhone without extra hardware. Get paid instantly and access funds immediately with a prepaid card. Utilize AI-driven insights to grow your business.

Accept contactless paymentsInstant fund accessSpend with JIM Visa® Prepaid card
💰 Finance
(10K)
free with in-app purchases
11
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
12
Found: Business Banking
Found: Business Banking
Found: Business Banking
Banking, Bookkeeping, & Taxes
Free

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.

Business checking accountAutomated expense trackingDigital receipt saving
💰 Finance
(32K)
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
Elan Credit Card
Elan Credit Card
Elan Credit Card
by Elan Financial Services
Free

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

Secure login with username/password, fingerprint, or Face IDView account balance, transactions, and available creditMake one-time payments and set up AutoPay
💰 Finance
(191K)
free
15
Payoneer - Business Payments
Payoneer - Business Payments
Payoneer - Business Payments
by Payoneer Inc
Free

Manage global business payments seamlessly from anywhere. This platform facilitates international money transfers, online payment processing, and currency management for businesses of all sizes. It offers secure and cost-effective solutions to receive and send funds worldwide.

Receive payments globallySend money overseasInternational payment gateway
💰 Finance
(5.2K)
free
16
Wise: Global Money Transfer
Wise: Global Money Transfer
Wise: Global Money Transfer
Send payments internationally
Free

Manage your money internationally with ease. Send, receive, spend, and hold multiple currencies with competitive exchange rates and low fees. Get local bank details for global payments and a multi-currency card for spending worldwide.

International money transfersMid-market exchange ratesMulti-currency card
💰 Finance
(107K)
free with in-app purchases
17
ADP Mobile Solutions
ADP Mobile Solutions
ADP Mobile Solutions
HR for Employees & Managers
Free

Access payroll, time, benefits, and HR information for yourself and your team. Track time, view pay statements, manage time off, and connect with colleagues. Managers can approve requests and view team calendars.

View pay & W2 statementsRequest and approve time offTrack time & attendance (punch in/out, timesheets)
💼 Business
(4.3M)
free with in-app purchases
18
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
19
Revolut Business
Revolut Business
Revolut Business
Go beyond business as usual
Free

Manage your business finances with an all-in-one account designed for efficiency. Track spending, issue corporate cards, and handle global payments in multiple currencies. Automate expense management and gain insights with advanced analytics to support business growth.

Global payments in 30+ currenciesIssue physical and virtual corporate cardsAutomated expense management
💰 Finance
(2.8K)
subscription
20
PayPal POS (ex Zettle)
PayPal POS (ex Zettle)
PayPal POS (ex Zettle)
Grow with our point of sale.
Free

This application allows businesses to accept various in-person payments, including cards and contactless methods. It also provides tools for managing inventory, tracking sales with reports, and creating staff accounts. Integrations are available for accounting, e-commerce, and specific industries.

Accept card and contactless paymentsIntuitive product library for inventorySales tracking and reporting
💼 Business
(1.1K)
free with in-app purchases

FAQ about Merchant Account Provider

What are the best merchant account provider apps for iPhone?
PhoneSwipe - Merchant Services tops our merchant account provider apps ranking as of June 2026, with a 3.9-star average from 16 App Store ratings, and it's free to download.
Yes — 20 of the top merchant account provider apps we rank are free to download, including PhoneSwipe - Merchant Services and Afterpay: Pay over time.
PhoneSwipe - Merchant Services has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 222+ merchant account provider apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
PhoneSwipe transforms your iPhone or iPad into a credit card reader. It allows businesses to accept various credit card payments and PayPal directly from their mobile device. The app provides features for managing inventory, applying discounts, and tracking sales.
Key features include secure credit card processing, the ability to accept Visa, Mastercard, American Express, Discover, and PayPal. Users can add items with photos and modifiers, track stock, offer discounts, send receipts via email or SMS, and access real-time sales reports.