Best Unlock Merchant Apps

203+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated June 2026

Looking for free unlock merchant apps? 20 of our 203+ tracked titles are free to download โ€” no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Unlock Merchant

Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Shop anywhere, manage & save
Worth Considering
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(2.2M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • ๐Ÿ’ณ Easy payment process
  • ๐Ÿ“ฆ Wide range of stores
  • ๐Ÿ•ฐ๏ธ Flexible payment plans
  • ๐Ÿ” Convenient for large purchases

Room to Improve

  • ๐Ÿšซ Inconsistent approval process
  • โš ๏ธ Lack of Apple Wallet integration
  • ๐Ÿค– Automated decision-making issues

More Unlock Merchant apps to explore

4
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
(8.6K)
free with in-app purchases
5
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
6
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
7
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
8
ShopBack: Cashback & Rewards
ShopBack: Cashback & Rewards
ShopBack: Cashback & Rewards
Save money while shopping
Free

Earn money back on your purchases by shopping through this app. Discover deals, use coupon codes, and get rewarded with cashback on online and in-store purchases. Withdraw your earnings easily via PayPal or bank transfer.

Earn cashback on online shoppingDiscover deals and coupon codesComplete shopping quests for bonus rewards
๐Ÿ›๏ธ Shopping
(1.7K)
free
9
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
10
Ebirr Merchant
Ebirr Merchant
Ebirr Merchant
by ebirr Trading PLC
Free

This app serves as a comprehensive business management tool for merchants. It offers secure mobile wallet features, real-time bank integration, and cashier management to streamline financial operations and team coordination.

Secure mobile walletReal-time bank integrationCashier management
๐Ÿ’ฐ Finance
(10)
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
eZeel Pay Merchant App
eZeel Pay Merchant App
eZeel Pay Merchant App
by UnlockFintech LLC
Free
๐Ÿ’ฐ Finance
(0)
13
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
14
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
๐Ÿ›๏ธ Shopping
(1.3K)
free
15
WooCommerce: Store & POS
WooCommerce: Store & POS
WooCommerce: Store & POS
All-in-one mobile ecommerce
Free

Manage your online and in-person store from your mobile device. Add products, create orders, accept payments, and track sales in real time. Turn your tablet into a point-of-sale system and receive instant notifications for every sale.

Add and edit productsCreate orders on the goAccept in-person payments
๐Ÿ’ผ Business
(7.5K)
free with in-app purchases
16
Credit Card Terminal & Reader
Credit Card Terminal & Reader
Credit Card Terminal & Reader
Swipe Point of Sale (Stripe)
Free

Transform your mobile device into a portable credit card reader. Accept payments anywhere, swipe or key in card details, and manage transactions securely. Send digital receipts with location data and capture tips or sales tax.

Accept credit card paymentsSwipe or key in card detailsCapture tips and sales tax
๐Ÿ’ผ Business
(14)
free
17
ProPay Payments
ProPay Payments
ProPay Payments
Accept Credit Cards
Free

Accept credit card payments securely on your mobile device. Process chip and swipe cards, manually enter payments, and store customer information for future transactions. Access funds via a prepaid debit card and monitor your business activity with transaction reviews and refunds.

Accept chip and swipe credit cardsManual card entrySecurely store customer payment info
๐Ÿ’ฐ Finance
(60)
free with in-app purchases
18
A+ Merchant
A+ Merchant
A+ Merchant
by AYEYARWADDY FARMERS DEVELOPMENT BANK PUBLIC COMPANY LIMITED
Free

This application assists merchant partners in providing fast and secure customer service. It offers incentives for signing up and utilizing its features to enhance business operations.

Secure customer serviceQuick transaction processingMerchant incentives
๐Ÿ’ฐ Finance
(8)
free
19
Paystack Merchant
Paystack Merchant
Paystack Merchant
by Paystack Payments Limited
Free

This app enables businesses in Africa to receive payments globally through various methods like cards, bank accounts, and mobile money. It provides transaction management, payment requests, and easy login with biometric authentication. Users can also access support and update their business settings.

Request and receive international paymentsSupport for cards, bank accounts, USSD, mobile moneyPayment notifications
๐Ÿ’ผ Business
(20)
free
20
Moreta Pay
Moreta Pay
Moreta Pay
Easy payments for travelers
Free

This app enables international travelers to make QR payments in Southeast Asia. Avoid cash and ATM fees by paying local merchants directly from your phone in your own currency. Enjoy fast, secure, and transparent transactions.

QR payments in Southeast AsiaPay in your own currencyNo cash exchanges or ATM runs
๐Ÿ’ฐ Finance
(396)
free