Best Merchant Acquiring Services Apps

0+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated July 2026

Out of 0+ merchant acquiring services apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Merchant Acquiring Services Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PhoneSwipe - Merchant ServicesPhoneSwipe - Merchant ServicesFree3.9★ (16)NoNoJul 2026
2QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8★ (6.4K)YesNoAug 2026
3Square Point of Sale (POS)Square Point of Sale (POS)Free4.8★ (603K)NoNoAug 2026
4Credit Card Machine - AcceptCredit Card Machine - AcceptFree3.7★ (21)NoNoMay 2026
5Citi Mobile®Citi Mobile®Free4.9★ (4M)NoNoAug 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026
7Jim: sell & get paid instantlyJim: sell & get paid instantlyFree4.7★ (11K)YesNoAug 2026
8AYA PAY MerchantAYA PAY MerchantFree4.5★ (12)NoNoJul 2026

Top Picks for Merchant Acquiring Services

QuickBooks GoPayment POS#2

QuickBooks GoPayment POS by Intuit Inc.

Mobile POS
Strong Contender
💼 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
Square Point of Sale (POS)#3

Square Point of Sale (POS) by Block, Inc.

Payments & Business Dashboard
Worth Considering
💼 Business
4.8😐(603K ratings)
Free
#30in Business
Square Point of Sale (POS) screenshot 1
Square Point of Sale (POS) screenshot 2
Square Point of Sale (POS) screenshot 3
Square Point of Sale (POS) screenshot 4
Square Point of Sale (POS) screenshot 5
Square Point of Sale (POS) screenshot 6

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

What We Love

  • 👍 Convenient and easy to use
  • 🚀 Quick transactions and payouts
  • 💡 Useful reporting and inventory management features
  • 👍 Professional and sleek hardware design

Room to Improve

  • 🐛 Connectivity issues with card readers
  • 🔒 Concerns over account deactivation and fund holds
  • 🤖 Poor customer service and lack of live support

More Merchant Acquiring Services 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
Citi Mobile®
Citi Mobile®
Citi Mobile®
A Banking App Designed for You
Free

Manage your banking and finances with a comprehensive mobile app. Open accounts, deposit checks, pay bills, and track spending. Securely access your accounts and manage your cards with features like card locking and PIN resets.

Open new accountsMobile check depositPay bills and schedule payments
💰 Finance
(4M)
free with in-app purchases
6
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
7
Jim: sell & get paid instantly
Jim: sell & get paid instantly
Jim: sell & get paid instantly
Tap to Pay & Payment Links
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
(11K)
free with in-app purchases
8
AYA PAY Merchant
AYA PAY Merchant
AYA PAY Merchant
AYAPay wallet app for Merchant
Free

This app empowers AYAPAY merchants to manage their transactions efficiently and securely. Merchants can create payment requests, generate QR codes for quick payments, and track their wallet balance and transaction history. It also facilitates seamless money transfers between their agent wallet and linked bank accounts.

Create payment requestsGenerate QR codes for paymentsScan customer QR codes
💰 Finance
(12)
free
9
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
(4.4M)
free
10
Greenwood - Mobile Banking
Greenwood - Mobile Banking
Greenwood - Mobile Banking
by Greenwood, Incorporated
Free

This financial app offers savings and spending accounts designed for the Black and Latino communities. It provides early direct deposit, fee-free ATM withdrawals, and opportunities to support community initiatives through account features.

Digital savings and spending accounts4.15% APY on savingsNo overdraft or monthly fees
💰 Finance
(7.3K)
free
11
Inter: Mobile Banking
Inter: Mobile Banking
Inter: Mobile Banking
Credit card & Money transfers
Free

Manage your finances with a comprehensive banking app. Spend, invest in stocks, save with gift cards, and send money globally all from your phone. Access a range of financial services designed for modern lifestyles.

Banking solutionsStock and ETF investingGift cards with cashback
💰 Finance
(22K)
free
12
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
(711)
free
13
Access More
Access More
Access More
by Access Bank Plc
Free

This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.

Quick account openingPersonalized dashboards and themesInvestment services
💰 Finance
(117K)
free
14
Sterling OneBank
Sterling OneBank
Sterling OneBank
OneBank
Free

This digital banking app allows users to open accounts instantly, manage money, pay bills, and access loans and investments. It offers a stylish interface, seamless onboarding, and robust security features for a convenient banking experience.

Instant account openingSend and receive moneyBill payments
💰 Finance
(920)
free
15
First Merchants Mobile App
First Merchants Mobile App
First Merchants Mobile App
by First Merchants Corporation
Free

Manage your finances conveniently from your mobile device. Check balances, transfer funds, pay bills, deposit checks, and send money to others. Locate nearby branches and ATMs easily.

Check account balances and transactionsTransfer money between accountsPay bills and view history
💰 Finance
(28K)
free
16
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
17
ABA Merchant
ABA Merchant
ABA Merchant
by Advanced Bank of Asia Ltd.
Free

This mobile point-of-sale solution allows businesses of any size to accept customer payments. It's designed for entrepreneurs and businesses like cafes, salons, or delivery services. Simply download, activate with your bank account, and start processing transactions.

Accept customer paymentsmPOS solutionSuitable for various business types
💰 Finance
(15)
free
18
Paysign®
Paysign®
Paysign®
Paysign, Inc.
Free

Manage your funds and track transactions on your card from anywhere. View your balance, review recent activity, get account alerts, and locate surcharge-free ATMs. It's a secure and convenient way to handle your finances on the go.

View account balanceTrack transaction historyReceive account alerts
💰 Finance
(520)
free
19
Robinhood Banking
Robinhood Banking
Robinhood Banking
Credit Card & Banking
Free

This app offers a credit card with 3% cash back and virtual card numbers for private spending. It also provides banking services like high-yield savings, no-fee ATMs, and full-service banking without visiting a branch.

3% cash back on all categoriesVirtual cards with disposable numbersSecure account management and card controls
💰 Finance
(77K)
free with in-app purchases
20
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
(657)
free with in-app purchases

FAQ about Merchant Acquiring Services

What are the best merchant acquiring services apps for iPhone?
PhoneSwipe - Merchant Services tops our merchant acquiring services apps ranking as of July 2026, with a 3.9-star average from 16 App Store ratings, and it's free to download.
Yes — 20 of the top merchant acquiring services apps we rank are free to download, including PhoneSwipe - Merchant Services and QuickBooks GoPayment POS.
PhoneSwipe - Merchant Services has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
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.