Best Merchant Authorization Apps

211+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated May 2026

With an average user rating of 4.5โ˜…, the merchant authorization category is one of the App Store's strongest. Browse all 211+ apps we track, sorted so the most loved ones surface first.

Top Picks for Merchant Authorization

QuickBooks GoPayment POS#1

QuickBooks GoPayment POS by Intuit Inc.

Mobile POS
Editor's Choice
๐Ÿ’ผ Business
4.8๐Ÿ˜ž(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

  • โญ Great app
  • ๐Ÿš€ Convenient for mobile payments
  • ๐Ÿ’ณ Integrates well with QuickBooks

Room to Improve

  • ๐Ÿ”’ Security concerns with withheld payments
  • โŒ Poor customer service
  • ๐Ÿ› Frequent app crashes and bugs
Square Point of Sale (POS)#3

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

Payments & Business Dashboard
Worth Considering
๐Ÿ’ผ Business
4.8๐Ÿ˜(602K ratings)
FreeAds
#17in 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

  • ๐Ÿ‘ Convenient and easy to use
  • ๐Ÿš€ Quick transactions and payouts
  • ๐Ÿ’ก Useful reporting and inventory management features
  • ๐Ÿ‘ Professional and sleek hardware design

Room to Improve

  • ๐Ÿ› Connectivity issues with card readers
  • ๐Ÿ”’ Concerns over account deactivation and fund holds
  • ๐Ÿค– Poor customer service and lack of live support

More Merchant Authorization apps to explore

4
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)
๐Ÿ’ผ Business
(16K)
free with in-app purchases
5
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
๐Ÿ’ฐ Finance
(12)
free
6
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
๐Ÿ’ผ Business
(21)
free with in-app purchases
7
SecurLOCK Equip
SecurLOCK Equip
SecurLOCK Equip
by eFunds Corporation
Free

Take full control of your payment cards directly from your mobile device. Instantly turn your cards on or off, set spending limits, and define where and when they can be used. Manage your finances with enhanced security and personalized controls.

Turn cards on/offSet location-based controlsBlock international transactions
๐Ÿ’ฐ Finance
(4.4K)
free
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
๐Ÿ’ผ Business
(69K)
free with in-app purchases
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
๐Ÿ’ฐ Finance
(4.3M)
free
10
BILL AP & AR Business Payments
BILL AP & AR Business Payments
BILL AP & AR Business Payments
Pay bills and get paid online
Free

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

Automate AP and ARMultiple payment options (ACH, wires, virtual card, credit card, check)Real-time payment tracking and notifications
๐Ÿ’ผ Business
(49K)
free
11
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
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
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
12
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 Visaยฎ Prepaid card
๐Ÿ’ฐ Finance
(9.2K)
free with in-app purchases
13
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
๐Ÿ’ผ Business
(653)
free with in-app purchases
14
Privacy.com: Virtual Cards
Privacy.com: Virtual Cards
Privacy.com: Virtual Cards
Protect Your Payments
Free

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

Create virtual payment cardsMerchant-locked cardsOne-time-use cards
๐Ÿ’ฐ Finance
(7.1K)
free with in-app purchases
15
CardPointers for Credit Cards
CardPointers for Credit Cards
CardPointers for Credit Cards
Earn more points & cashback
Free

Maximize your credit card rewards by automatically tracking category bonuses and offers. Get real-time recommendations for the best card to use at stores and online, and easily manage your offers. Save money and earn more points, cashback, and miles daily.

Automatic category bonus trackingReal-time card recommendationsOffer management and activation
๐Ÿ’ฐ Finance
(9.7K)
free with in-app purchases
16
Shopify Point of Sale (POS)
Shopify Point of Sale (POS)
Shopify Point of Sale (POS)
Unify in-person & online sales
Free

This app unifies your online and in-person sales, helping you manage inventory, track performance, and build customer relationships. It offers seamless checkout, flexible fulfillment options like local pickup and delivery, and tools to streamline store operations.

Accept all major payment methodsManage inventory across online and in-storeProcess local pickup and delivery orders
๐Ÿ’ผ Business
(7.5K)
free
17
Bread Financial
Bread Financial
Bread Financial
Manage Your Comenity Cards
Free

Manage your Comenity credit cards securely and conveniently. Track transactions, make payments, view statements, and redeem rewards. This app allows for easy account management and access to exclusive offers.

Activate credit cardsReview transactions and statementsSchedule and manage payments
๐Ÿ’ฐ Finance
(143K)
free
18
ABA Merchant
ABA Merchant
ABA Merchant
by Advanced Bank Of Asia Limited
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
๐Ÿ’ฐ Finance
(15)
free
19
Citi Mobileยฎ
Citi Mobileยฎ
Citi Mobileยฎ
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
๐Ÿ’ฐ Finance
(3.9M)
free with in-app purchases
20
Groupon Merchant
Groupon Merchant
Groupon Merchant
by Groupon, Inc.
Free

Manage your Groupon campaigns directly from your smartphone. Scan and redeem Groupons, track campaign performance, view payment details, and respond to customer feedback.

Scan and redeem GrouponsTrack campaign performanceView payment details
๐Ÿ’ผ Business
(443)
free