Best Card Readers for Small Businesses on a Budget
Running a small business often means keeping costs low while delivering top-notch service. The right card reader can help you accept payments effortlessly, improve cash flow, and even boost customer satisfaction all without breaking the bank.
In this guide, we’ll walk you through the best card readers for small businesses on a budget, covering reliable, cost-effective options that are perfect for entrepreneurs, freelancers, or small shops. We’ll highlight the key features, pros, and cons of each solution to help you choose the best fit for your business.
1. Paymentsave
All-in-one payment solution with integrated business tools
Paymentsave offers an affordable card reader with features tailored for small businesses that are looking to grow. With the ability to accept contactless, chip, and swipe payments, Paymentsave’s reader integrates seamlessly with its POS system. What makes Paymentsave stand out is its access to flexible financial solutions, including merchant cash advances, designed to help small businesses grow. The setup is easy, and there are no monthly fees just pay as you go with low transaction rates.
Key Features:
- No monthly fees
- Integrated POS features
- Contactless, chip, and swipe payments
- Flexible financial solutions (merchant cash advance, etc.)
Perfect For: Small businesses looking for an integrated payment system with additional funding options to help them grow.
2. Square Reader
Square Reader is an excellent option for small businesses just starting out. It’s a portable device with no upfront fees, only transaction charges. You can accept contactless, chip, and swipe payments and even print receipts. Square also offers a free POS system, so you don’t need to worry about additional software costs.
Key Features:
- No monthly fees
- Contactless and chip payments
- Simple mobile app integration
- Low transaction fees
Perfect For: Freelancers, solo entrepreneurs, and new small businesses looking for a low-cost, flexible solution.
3. SumUp Air
Affordable, portable, and simple to set up
SumUp Air is one of the most budget-friendly card readers available for small businesses. This small, compact reader connects to your smartphone or tablet via Bluetooth. You only pay per transaction, with no monthly or hidden fees. It’s a great option for mobile businesses, market stalls, or service providers who need to accept payments on the go.
Key Features:
- No monthly fees
- Bluetooth connection to mobile devices
- Accepts contactless, chip, and PIN payments
- Free app for managing transactions
Perfect For: Market traders, pop-up shops, food trucks, or any business that needs flexibility and mobility.
4. Zettle by PayPal
Zettle by PayPal is a low-cost card reader that also doubles as a powerful point-of-sale (POS) system. For small businesses that need a more robust solution, Zettle provides detailed reporting, inventory management, and customer insights. It’s easy to use, accepts all major cards, and has no monthly fees. The device also connects seamlessly with the Zettle POS app, which offers additional features like sales reports and inventory tracking.
Key Features:
- Low transaction fees
- Integration with POS system and app
- Detailed reporting and analytics
- No monthly fees
Perfect For: Small businesses that need more than just a card reader—perfect for shops with inventory management needs or those tracking sales data.
5. iZettle Reader 2
iZettle Reader 2 offers fast card processing, a stylish design, and all the functionality a small business owner could need. It’s compatible with iOS and Android devices, accepts all major credit and debit cards, and provides a range of payment options, including contactless and mobile wallets. iZettle’s intuitive app allows you to track your sales, manage your stock, and view customer insights. With no monthly fees, it’s a budget-friendly option for businesses looking for a seamless payment solution.
Key Features:
- Fast transaction processing
- Accepts all card types
- Contactless, chip, and PIN payments
- No monthly fees
Perfect For: Small businesses that prioritize customer experience and want a sleek, fast payment solution.
Conclusion
Choosing the right card reader for your small business doesn’t have to be complicated or costly. With affordable options like Square, SumUp, PayPal Here, Zettle, and iZettle, you can find a device that suits your business model and keeps your costs low. Each solution is designed to be easy to use, mobile-friendly, and cost-effective perfect for small businesses aiming to streamline payments without stretching the budget.
