Best Merchant Check Apps

209+ iOS apps curated and reviewed

4.0 avg rating
20 free apps
Updated July 2026

If you already know FMB, this is the deeper bench. 209+ merchant check apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of July 2026.

Compare top Merchant Check Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1FMB-Mobile 2.0FMB-Mobile 2.0Free4.7โ˜… (1.8K)NoNoJul 2026
2Ingo Money - Cash ChecksIngo Money - Cash ChecksFree4.2โ˜… (8.9K)YesNoJul 2026
3QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8โ˜… (6.4K)YesNoJul 2026
4PhoneSwipe - Merchant ServicesPhoneSwipe - Merchant ServicesFree3.9โ˜… (16)NoNoJul 2026
5Check Writer: Print ChecksCheck Writer: Print ChecksFree4.2โ˜… (309)YesYesJul 2026
6AYA PAY MerchantAYA PAY MerchantFree4.5โ˜… (12)NoNoMay 2026
7PaysignยฎPaysignยฎFree1.6โ˜… (520)NoNoJul 2026
8Payanywhere: Point of Sale POSPayanywhere: Point of Sale POSFree3.6โ˜… (653)NoNoJul 2026

Top Picks for Merchant Check

FMB-Mobile 2.0#1

FMB-Mobile 2.0 by Farmers and Merchants Bank of Long Beach

Editor's Choice
๐Ÿ’ฐ Finance
4.7๐Ÿ˜Š(1.8K ratings)
Free
FMB-Mobile 2.0 screenshot 1
FMB-Mobile 2.0 screenshot 2
FMB-Mobile 2.0 screenshot 3
FMB-Mobile 2.0 screenshot 4
FMB-Mobile 2.0 screenshot 5
FMB-Mobile 2.0 screenshot 6

Manage your personal and business banking accounts securely 24/7. Features include real-time activity viewing, fund transfers, bill payments, mobile check deposits, and advanced business management tools. Customize alerts and access credit score information.

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿš€ Efficient banking features
  • ๐Ÿ”’ Secure app
  • ๐Ÿ’ก Convenient mobile check deposit

Room to Improve

  • ๐Ÿ› Occasional app crashes
  • ๐Ÿ› Difficulty finding accounts for transfers
  • ๐Ÿ› Delayed credit card payment updates
Ingo Money - Cash Checks#2

Ingo Money - Cash Checks by Ingo Money, Inc.

Strong Contender
๐Ÿ’ฐ Finance
4.2๐Ÿ˜ž(8.9K ratings)
FreeAds
Ingo Money - Cash Checks screenshot 1
Ingo Money - Cash Checks screenshot 2
Ingo Money - Cash Checks screenshot 3
Ingo Money - Cash Checks screenshot 4
Ingo Money - Cash Checks screenshot 5

Cash almost any type of check quickly and easily from your phone. Get funds in minutes directly to your bank account, prepaid card, or PayPal. Avoid long lines and deposit holds with a simple photo submission process.

What We Love

  • ๐Ÿš€ Fast and convenient
  • ๐Ÿ’ก Works with various payment methods
  • ๐Ÿ‘ Helpful customer service
  • ๐Ÿš€ Instant check cashing

Room to Improve

  • ๐Ÿ› Inconsistent check approval
  • ๐Ÿ”’ Security and identity verification issues
  • ๐Ÿ’ฐ High fees for instant cashing
QuickBooks GoPayment POS#3

QuickBooks GoPayment POS by Intuit Inc.

Mobile POS
Worth Considering
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

More Merchant Check apps to explore

4
PhoneSwipe - Merchant Services
PhoneSwipe - Merchant Services
PhoneSwipe - Merchant Services
by North American Bancard, Inc.
Free

Turn your mobile device into a credit card reader. Accept major credit cards and PayPal payments with secure, encrypted transactions. Manage inventory, offer discounts, and track sales with real-time reporting.

Credit card processingAccept Visa, Mastercard, Amex, Discover, PayPalSecure and encrypted transactions
๐Ÿ’ผ Business
(16)
free with in-app purchases
5
Check Writer: Print Checks
Check Writer: Print Checks
Check Writer: Print Checks
Print Checks at Home
Free

Print checks directly from your smartphone or tablet. This app allows you to write, organize, and print checks at home, saving you time and money. It supports both personal and business checks and ensures compatibility with bank systems.

Print checks from your phoneDigital check record keepingSupports personal and business checks
๐Ÿ’ฐ Finance
(309)
free with in-app purchases
6
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
7
Paysignยฎ
Paysignยฎ
Paysignยฎ
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
๐Ÿ’ฐ Finance
(520)
free
8
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
9
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
10
Check Karma
Check Karma
Check Karma
Seamless check cashing
Free

Manage in-store check cashing activity with real-time access to customer and transaction data. Approve or decline checks instantly and review detailed customer histories. Stay connected and informed about your check cashing business from anywhere.

Check dashboard with searchable listApprove/decline check submissionsDetailed customer history
๐Ÿ’ผ Business
(1)
free
11
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
๐Ÿ’ฐ Finance
(2.1K)
free with in-app purchases
12
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
13
CardStar
CardStar
CardStar
by Express Checkout LLC
Free

Consolidate loyalty, rewards, and membership cards into a single, easy-to-use application. Quickly add cards using your device's camera, access them instantly, and even share them with others. Discover offers and coupons from your favorite stores while managing your shopping lists.

Store loyalty, rewards, and membership cardsFast card setup with device cameraConvenient card access and sharing
๐Ÿ›๏ธ Shopping
(874)
free
14
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
๐Ÿ’ผ Business
(1.1K)
free with in-app purchases
15
FastPay Merchant
FastPay Merchant
FastPay Merchant
Smart Solution For Merchants
Free

This app provides merchants with a fast and easy way to manage payments. It offers real-time notifications, QR code payment acceptance, and detailed transaction history. Merchants can quickly check balances and search for specific transactions.

Instant payment notificationsAccept payments via merchant QR codeQuick balance check
๐Ÿ’ฐ Finance
(54)
free
16
Zapperโ„ข QR Payments & Rewards
Zapperโ„ข QR Payments & Rewards
Zapperโ„ข QR Payments & Rewards
The rewarding way to pay.
Free

This app offers a fast, easy, and secure way to make payments for various services, from dining out to online shopping and bill settlement. Discover exclusive deals, earn loyalty points, and enjoy insider benefits by joining merchant tribes. It also simplifies splitting bills and provides a history of your transactions.

Fast, easy, and secure paymentsJoin merchant tribes for insider benefitsGet and spend free vouchers
๐Ÿ’ฐ Finance
(3.9K)
free with in-app purchases
17
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
๐Ÿ’ฐ Finance
(28K)
free
18
SwipeSimple - Point of Sale
SwipeSimple - Point of Sale
SwipeSimple - Point of Sale
Accept Payments Anywhere
Free

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.

Accept credit card paymentsRecord cash salesAutomatic tax calculation
๐Ÿ’ผ Business
(5.6K)
free
19
Merchants Bank N.A. Mobile
Merchants Bank N.A. Mobile
Merchants Bank N.A. Mobile
Merchants Bank N.A.
Free

Manage your finances securely and conveniently from your mobile device. Access account balances, transfer funds, deposit checks, pay bills, and monitor your credit score. Set up travel notifications for your cards and enjoy quick access to balances.

Mobile depositsFast Balances+Face ID and Touch ID
๐Ÿ’ฐ Finance
(4K)
free with in-app purchases
20
Online Check Writer
Online Check Writer
Online Check Writer
Your One-Stop payment platform
Free

This cloud-based payment platform streamlines both paying and getting paid. It supports a wide range of payment methods, including printable checks, eChecks, credit/debit cards, and ACH. The app prioritizes security to prevent fraud and offers 24/7 customer support.

Printable checkseChecksCheck by mail
๐Ÿ’ฐ Finance
(43)
free

FAQ about Merchant Check

What are the best merchant check apps for iPhone?
FMB-Mobile 2.0 tops our merchant check apps ranking as of July 2026, with a 4.7-star average from 1.8K App Store ratings, and it's free to download.
Yes โ€” 20 of the top merchant check apps we rank are free to download, including FMB-Mobile 2.0 and Ingo Money - Cash Checks.
FMB-Mobile 2.0 has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 209+ merchant check apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to securely manage your personal and business banking accounts 24/7. You can view real-time account activity, check balances, transfer funds, pay bills, deposit checks, send money with Zelleยฎ, and access your credit score. Business users can also manage users, permissions, and process transactions like wire transfers and ACH.
For personal accounts, you can view real-time online activity, check balances, transfer funds, and pay bills. The app also supports mobile check deposits, sending money with Zelleยฎ, accessing your credit score with Savvy Money, and tracking finances with Personal Financial Management tools.