Who should use it: Square is ideal for new businesses just getting started. The POS software is missing important features, such as purchase orders and vendor management-for these features, you’ll have to upgrade your plan. Support is only available 24/7 for customers that opt for a paid plan. There are some limitations to using Square as your mobile credit card reader and POS.

To accept Apple Pay or chip cards, you will have to fork over $49 for the EMV reader, but it’s still one of the more affordable options. Square is easy to use, and with just the free magstripe reader, you can get started accepting payments with no upfront costs.

Keyed-in transaction fee: 3.5% + 15 cents rate.

Online transaction fee: 2.9% + 30 cents rate.

In-person transaction fee: 2.6% + 10 cents rate.

Transaction fees vary depending on how you accept payments.

The POS software syncs your online and in-person sales, so you can take payments from your website or your mobile app with the reader. You can use Square POS to handle multichannel sales, so you can sell online and in person with no monthly fees. It is one of our favorite credit card readers for Android and iOS for its affordability, feature set and usability. Square POS includes inventory management, low-stock alerts, email and text receipts and sales reports. You can purchase a chip mobile reader for $49 to accept contactless payments in person or online-you only pay a flat processing fee on each transaction. Square POS is a mobile POS solution that’s free to use and includes a free magstripe mobile reader.

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