Credit Card Reader App Review

Editorial Update: I have since come across complaints from numerous customers about this company. As many are regarding funds being unnecessarily held for extended periods of time, I am not comfortable recommending PayAnywhere. I addressed these complaints with someone from that company and was told those issues were not a concern to me. There are similar complaints extending all the way back to early 2012. So please do sufficient research before committing to a company for something so important to your business.

As you know, long gone are days of cumbersome credit card sliders stamping paper copies for vendors and buyers. As we keep moving forward the large, stationary credit card readers bolted onto countertops are also becoming a thing of the past. If you are a business owner or merchant looking to find a quick and nimble way to process credit cards, you’ll want to check out mobile readers and apps.
There are numerous credit card reader and app companies out there. Today, we want to break down the soft and hardware that Payanywhere delivers.

PayAnywhere Credit Card Reader Short Review

What’s the upside of PayAnywhere credit card readers?

  • The software and hardware is free
  • Per swipe costs start at 2.69%
  • No need for installation of hardwired credit card reader “box”
  • Extremely user-friendly / learning curve
  • 24/7 Support
  • The reader can take Visa, MasterCard, Discover and American Express
  • The reader fits into the headphone jack and is compatible with iPhone, iPad, iPod touch, most Android smartphones or tablets, and BlackBerry smartphones

What’s the downside of PayAnywhere credit card readers?

The extra cost of a PayAnwhere reader is zero. But that does assume you have a modern “smart” device such as an iPhone or compatible tablet.

If you are going to personally be processing these payments, then it is simple to do this on your own phone or device. If you are going to have employees processing these payments, it’s likely you’ll need to fork out the cash for a device rather than being liable for your employees personal device.

PayAnywhere’s cost to you is simply charging you per swipe—at 2.69% per.

PayAnywhere Credit Card Reader Extended Review

So how does PayAnywhere stack against the market it’s entering?


The below graphic is from PayAnywhere’s website. They don’t list who they are comparing their pricing against, but I found it to be Square which is a leader in marketshare. PayAnywhere’s per swipe fee isn’t significantly lower (2.69% vs. 2.75%), but Square has significantly higher entrance fees to get the hardware compared to PayAnywhere’s free headphone slot plug-in.

PayAnywhere charges 3.49% + plus 19 cents for keyed-in / typed transactions.

Pay Anywhere Pricing


Nope. There are no monthly fees or minimums. Expect to receive funds within 2 business days of processing.


It is not hard to find the support number on PayAnywhere’s website. It’s right there on top. Whereas with other company’s customer service departments, you might have to dig around to find a number or enter a trouble ticket first. This allows you to reach out to a person right away rather than getting onto a computer first and going through a series of steps.

The App

Viewing transaction details is a piece of cake, such as the sale amount, tax, discount, and even tip. You can also see graphs of your top sales days, produce a variety of custom reports, and set it up to send reports to you via email automatically.

Should you try the PayAnwhere reader and app?

If you own a business, you should absolute try making an account to access their services. It’s free. And it’s quality. Who can complain about free, quality things? If you don’t like it, there’s no cancellation fee. All you have to do is sign up at PayAnywhere and they’ll mail you the reader for free with no obligation.

Author Bio: Todd is our native gun for hire that curates four websites spanning multiples genres. Check out how he’s helping men become better men at Fearless Men.