Best Online Merchant Account Apps

0+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated July 2026

Whether you're new to online merchant account or looking for an upgrade, our curated collection of 0+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Online Merchant Account Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8★ (6.4K)YesNoAug 2026
2PhoneSwipe - Merchant ServicesPhoneSwipe - Merchant ServicesFree3.9★ (16)NoNoJul 2026
3Payanywhere: Point of Sale POSPayanywhere: Point of Sale POSFree3.6★ (657)NoNoAug 2026
4Credit Card Machine - AcceptCredit Card Machine - AcceptFree3.7★ (21)NoNoMay 2026
5BM OnlineBM OnlineFree4.2★ (2.1K)NoNoAug 2026
6InstaBIZ by ICICI BankInstaBIZ by ICICI BankFree4.7★ (711)NoNoAug 2026
7Akulaku MerchantAkulaku MerchantFreeNoNoAug 2026
8ABA MerchantABA MerchantFree4.0★ (15)NoNoAug 2026

Top Picks for Online Merchant Account

QuickBooks GoPayment POS#1

QuickBooks GoPayment POS by Intuit Inc.

Mobile POS
Editor's Choice
💼 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
Payanywhere: Point of Sale POS#3

Payanywhere: Point of Sale POS by North American Bancard

Credit Card Reader & Payment
Worth Considering
💼 Business
3.6😞(657 ratings)
Free
Payanywhere: Point of Sale POS screenshot 1
Payanywhere: Point of Sale POS screenshot 2
Payanywhere: Point of Sale POS screenshot 3
Payanywhere: Point of Sale POS screenshot 4
Payanywhere: Point of Sale POS screenshot 5
Payanywhere: Point of Sale POS screenshot 6

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.

What We Love

  • 🚀 Quick payments
  • 💡 Convenient mobile payments
  • 👍 User-friendly app
  • 🚀 Fast payouts

Room to Improve

  • 🐛 Frequent app crashes
  • 🐛 Unreliable card reader connection
  • 💰 Unexpected fees

More Online Merchant Account 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
BM Online
BM Online
BM Online
Banque Misr Mobile Banking
Free

Manage your bank accounts, transfer funds, and handle your cards securely from your mobile device. This app provides convenient access to your financial information and allows you to perform various banking transactions on the go.

Account access and balance inquiryTransaction history viewingFund transfers (own, BM, local EGP)
💰 Finance
(2.1K)
free
6
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
7
Akulaku Merchant
Akulaku Merchant
Akulaku Merchant
Bisnis di Satu Genggaman
Free
💼 Business
(0)
8
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
9
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
10
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
💰 Finance
(54)
free
11
iTransact Mobile Merchant
iTransact Mobile Merchant
iTransact Mobile Merchant
by Payroc, LLC
Free

Accept credit and debit card payments on the go with this mobile point-of-sale solution. Features include EMV chip processing, electronic receipts, and transaction history. Easily manage multiple accounts from a single application.

Accept credit and debit card paymentsEMV chip card transactionsFull point-of-sale features
💼 Business
(116)
free
12
Sunbit
Sunbit
Sunbit
Sunbit
Free

Manage your buy now, pay over time financing for everyday purchases and services. View account details, make payments, and track your installment plans. Access your transaction history and update payment information easily.

Manage Sunbit CardView account detailsMake payments
💰 Finance
(358)
free
13
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
14
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
💰 Finance
(10K)
free with in-app purchases
15
Privat24 – mobile bank
Privat24 – mobile bank
Privat24 – mobile bank
Payments.Cashback.Loan.Deposit
Free

Manage your finances with this comprehensive mobile banking app. Perform payments, transfers, and manage loans and deposits. Track expenses, earn cashback, and access various financial services online.

Online payments and money transfersLoan and deposit managementCashback and loyalty programs
💰 Finance
(8.5K)
free
16
Finstore
Finstore
Finstore
Merchant store application
Free

Create an online store quickly to sell products. Accept payments, manage stock, and monitor sales performance from a central hub. Designed for Nigerian business owners.

Launch online storeAccept paymentsReal-time inventory management
💼 Business
(2)
ad-supported
17
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
18
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
19
Wave Merchant
Wave Merchant
Wave Merchant
Merchant App for Wave Merchant
Free

This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.

Dynamic QR code paymentsReal-time transaction historyBusiness analytics
💰 Finance
(10)
free
20
Ampere Mobile Business Account
Ampere Mobile Business Account
Ampere Mobile Business Account
Money Transfer and Online Pay
Free

Open a business bank account in minutes with a comprehensive banking solution. Send and receive money internationally, manage multiple currencies, and utilize a free corporate debit card. Includes tools for online payments and invoice management.

Open business account in minutesSend/receive money internationallyMulti-currency account with UK/EU IBANs
💰 Finance
(57)
free with in-app purchases

FAQ about Online Merchant Account

What are the best online merchant account apps for iPhone?
QuickBooks GoPayment POS tops our online merchant account apps ranking as of July 2026, with a 4.8-star average from 6.4K App Store ratings, and it's free to download.
Yes — 20 of the top online merchant account apps we rank are free to download, including QuickBooks GoPayment POS and PhoneSwipe - Merchant Services.
QuickBooks GoPayment POS shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
QuickBooks GoPayment POS is a mobile application that allows businesses to accept in-person and contactless payments directly on their iPhone. It enables users to process card payments, digital wallets like Apple Pay, and manage sales transactions efficiently.
You can accept payments using the Tap to Pay on iPhone feature, which allows contactless transactions directly on your device. The app also supports processing physical debit and credit cards. You can also add products or services with their prices and have the app calculate totals including sales tax and tips.