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With no monthly or annual fees, the swipe rate of EMSplus is the lowest rate of this list. Pay Anywhere is a customizable mobile app and reader to accept credit card payments and manage your business.Features maps, signatures, receipts, refunds, history, and more. Encrypts transaction data during your sale and destroys sensitive card information, so it’s not stored on your system. Quick Books Go Payment from Intuit is a free app and reader to accept magstripe and EMV chip debit and credit cards, along with Apple Pay, Google Pay, and Samsung Pay.Review and refund transactions from the app or the website. Transactions appear in Quick Books for hassle-free bookkeeping. The apps include a variety of features to manage inventory and transactions.There are free and premium readers to handle all levels of mobile sales.Square doesn’t store data on your device after a payment has been processed. The app features email receipts and invoicing, cash register mode with product categories and pictures, tip functionality, and more.