12 Best Portable Credit Card Readers for Small Businesses in 2027
AIThis post was created with the assistance of artificial intelligence (AI).

For most small businesses, I’d choose the Square Handheld POS Terminal as the best overall portable credit card reader because it combines a handheld form with a broader point-of-sale role. The Square Reader for Contactless and Chip is a simpler pick for sellers who already use a compatible phone or tablet, while the SumUp Terminal with Receipt Printer suits businesses that want a more self-contained checkout. The main tradeoffs are portability versus built-in features, phone dependence versus standalone operation, and a compact reader versus a device that can print receipts. I compare all 12 options by how well they fit different small-business workflows, not just by their feature lists. Continue reading for the full breakdown and help matching a reader to your checkout needs.

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12
compared
6
brands
Which portable credit card readers for small businesse should you buy?
★ Top Pick
Clover Go Mobile POS System
Best for Employee-managed Mobile Sales
Bluetooth connection pairs the reader wirelessly with a smartphone
See on Amazon →
Small retailers and food-service businesses that want a portable touchscreen terminal with barcode scanning and support for chip and contactless payments.
Square Handheld POS Terminal f
Accepts EMV chip, NFC contactless, Apple Pay, and Google Pay
View on Amazon →
Microbusinesses and mobile sellers who already use a USB-C iPhone, iPad, or Android device and only need magstripe payment acceptance through Square POS.
Square Reader for Magstripe
Very light at 6.53 grams
View on Amazon →
Mobile retailers, cafés, and food-service businesses that need a handheld POS with a built-in printer, mobile data, and inventory or refund tools.
SumUp Terminal Portable POS Sy
Built-in thermal printer produces paper receipts at checkout
View on Amazon →
Market vendors and mobile service businesses that prioritize a slim handheld, barcode scanning, and the ability to take payments offline.
Square Handheld Portable POS a
Offline payment support can help during internet interruptions
View on Amazon →
Pros & cons at a glance
Clover Go Mobile POS System
✓ Bluetooth connection pairs the reader wirelessly with a smartphone
✗ Requires payment processing through Powering POS
Square Handheld POS Terminal f
✓ Accepts EMV chip, NFC contactless, Apple Pay, and Google Pay
✗ Equipment ships after signup with Square
Square Reader for Magstripe
✓ Very light at 6.53 grams
✗ Requires a compatible device with a USB-C connector
SumUp Terminal Portable POS Sy
✓ Built-in thermal printer produces paper receipts at checkout
✗ At 1.79 pounds, it is heavier than phone-connected readers such as Clover Go
Square Handheld Portable POS a
✓ Offline payment support can help during internet interruptions
✗ Protective case for accidental drops is optional
8 Seconds Processing Dejavoo P
✓ Accepts contactless, EMV chip, magnetic stripe, and mobile-wallet payments
✗ Designed for fixed checkout locations rather than roaming payments
Square Terminal Mobile Payment
✓ Built-in battery supports cordless checkout
✗ Payment processing requires Square services
SumUp Plus Bluetooth Card Read
✓ Lightweight reader designed for portable payments
✗ Requires a compatible phone or tablet for checkout
VeriFone VX520 Dual-Communicat
✓ Supports both dial and Ethernet connections
✗ Contactless reader is optional rather than included
Square Reader for Contactless
✓ Accepts contactless and chip payments, including Apple Pay and Google Pay
✗ Requires a compatible phone or other device to connect
SumUp Solo Card Reader and The
✓ Accepts chip, contactless, Apple Pay, and Google Pay
✗ Requires the SumUp mobile app for payment management
P3 Portable Credit Card Machin
✓ Accepts magnetic stripe, EMV chip, NFC contactless, and mobile wallet payments
✗ Listed battery capacity does not establish how long the terminal runs between charges

Key Takeaways

  • Standalone and phone-connected readers serve different jobs: Square Handheld, Square Terminal, and SumUp Terminal combine payment hardware with more self-contained checkout functions, while compact readers depend on a compatible phone or tablet.
  • Receipt printing often means carrying a larger device: SumUp Terminal, SumUp Solo with printer, Dejavoo P1, and P3 bundle payment acceptance with paper receipts, trading pocketability for a more complete counter-free setup.
  • Square offers the widest range of form factors in this lineup: its handheld terminals, countertop-style mobile terminal, and small readers let businesses choose between a fuller POS experience and a minimal phone-based setup.
  • Magstripe-only acceptance is a narrow fit: the Square Reader for Magstripe is best reserved for workflows where swipe payments are specifically needed; businesses seeking broad modern payment acceptance should compare chip and contactless options.
  • Not every portable terminal is equally suited to a new mobile operation: the VeriFone VX520 is a legacy-style terminal, so buyers should confirm current processor, network, and support compatibility before choosing it over newer mobile-focused devices.
2
Square Handheld POS Terminal f
Best for Barcode-assisted Checkout
1
Clover Go Mobile POS System
Best for Employee-managed Mobile Sales
3
Square Reader for Magstripe
Best for Minimal, Magstripe-only Checkout

Our Top Portable Credit Card Readers For Small Businesses Picks

Clover Go Mobile POS SystemClover Go Mobile POS SystemBest for Employee-managed Mobile SalesConnection: BluetoothModel number: GOv3Item weight: 5.6 ouncesVIEW LATEST PRICESee Our Full Breakdown
Square Handheld POS Terminal for Card and Contactless PaymentsSquare Handheld POS Terminal for Card and Contactless PaymentsBest for Barcode-assisted CheckoutDimensions: 7.04 x 3.12 x 0.86 inchesWeight: 2 poundsPayment methods: EMV chip, NFC contactless, Apple Pay, Google PayVIEW LATEST PRICESee Our Full Breakdown
Square Reader for Magstripe (USB-C)Square Reader for Magstripe (USB-C)Best for Minimal, Magstripe-only CheckoutConnectivity: USB Type-CCompatible devices: Apple and Android devices with a USB Type-C connectorOperating systems: iOS, AndroidVIEW LATEST PRICESee Our Full Breakdown
SumUp Terminal Portable POS System with Receipt PrinterSumUp Terminal Portable POS System with Receipt PrinterBest for Printed Receipts on the GoScreen: 6.5-inch HD touchscreen with Corning Gorilla GlassPrinter: Built-in 40 mm thermal printerPayment methods: Chip and PIN, contactless, Apple Pay, Google PayVIEW LATEST PRICESee Our Full Breakdown
Square Handheld Portable POS and Credit Card ReaderSquare Handheld Portable POS and Credit Card ReaderBest for Lightweight Offline CheckoutDimensions: 7.04 x 3.12 x 0.62 inchesWeight: 2.11 ouncesManufacturer: SquareVIEW LATEST PRICESee Our Full Breakdown
8 Seconds Processing Dejavoo P1 Touchscreen POS Terminal with Receipt Printer8 Seconds Processing Dejavoo P1 Touchscreen POS Terminal with Receipt PrinterBest for a Fixed Checkout with Backup ConnectivityModel: Dejavoo P1 (SPT-1000)Display: 5-inch HD touchscreenOperating system: AndroidVIEW LATEST PRICESee Our Full Breakdown
Square Terminal Mobile Payment and Receipt DeviceSquare Terminal Mobile Payment and Receipt DeviceBest All-in-One Portable CheckoutManufacturer: SquareDimensions: 5.6 x 3.4 x 2.5 inWeight: 14.7 ozVIEW LATEST PRICESee Our Full Breakdown
SumUp Plus Bluetooth Card Reader for SmartphonesSumUp Plus Bluetooth Card Reader for SmartphonesBest for Simple Phone-Paired PaymentsModel: SumUp Plus Card ReaderConnectivity: BluetoothCompatible devices: Smartphones and tabletsVIEW LATEST PRICESee Our Full Breakdown
VeriFone VX520 Dual-Communication Credit Card Terminal with Smart Card ReaderVeriFone VX520 Dual-Communication Credit Card Terminal with Smart Card ReaderBest for a Wired Countertop SetupModel: VeriFone VX520Connectivity: Dial and EthernetMemory: 128 MB / 32 MBVIEW LATEST PRICESee Our Full Breakdown
Square Reader for Contactless and Chip (2nd Generation)Square Reader for Contactless and Chip (2nd Generation)Best Compact Reader for Tap and ChipGeneration: 2nd GenerationCompatible devices: Android and iPhoneConnectivity: BluetoothVIEW LATEST PRICESee Our Full Breakdown
SumUp Solo Card Reader and Thermal Printer BundleSumUp Solo Card Reader and Thermal Printer BundleBest for Printed Receipts on the MoveBrand and model: SumUp SoloIncluded components: Solo card reader and printerPayment types: Chip, contactless, Google Pay, and Apple PayVIEW LATEST PRICESee Our Full Breakdown
P3 Portable Credit Card Machine with Wi-Fi, 4G LTE, and Receipt PrinterP3 Portable Credit Card Machine with Wi-Fi, 4G LTE, and Receipt PrinterBest for All-in-One Payment OptionsConnectivity: Wi-Fi, 4G LTE, Bluetooth, and USBPayment methods: NFC contactless, EMV chip, magnetic stripe, and mobile walletsDisplay: 5-inch HD IPS touchscreenVIEW LATEST PRICESee Our Full Breakdown
Specs at a glance
portable credit card readers for small businesseWeightConnectivityDimensions
Clover Go Mobile POS System———
Square Handheld POS Terminal f2 pounds—7.04 x 3.12 x 0.86 inches
Square Reader for Magstripe6.53 gUSB Type-C4.5 × 0.62 × 4.5 inches
SumUp Terminal Portable POS Sy—Wi-Fi and mobile data via SIM card—
Square Handheld Portable POS a2.11 ounces—7.04 x 3.12 x 0.62 inches
8 Seconds Processing Dejavoo P408 gEthernet, Wi-Fi, 4G LTE, Bluetooth, and USB2 x 4 x 10 in
Square Terminal Mobile Payment14.7 oz—5.6 x 3.4 x 2.5 in
SumUp Plus Bluetooth Card Read142 gBluetooth—
VeriFone VX520 Dual-Communicat2.5 lbDial and Ethernet9 x 6 x 3 in
Square Reader for Contactless 5.92 ozBluetooth—
SumUp Solo Card Reader and The—Wi-Fi and mobile data—
P3 Portable Credit Card Machin408 gWi-Fi, 4G LTE, Bluetooth, and USB—

More Details on Our Top Picks

  1. Clover Go Mobile POS System

    Clover Go Mobile POS System

    Best for Employee-managed Mobile Sales

    View Latest Price

    Clover Go is a good fit for small businesses that want a phone-based checkout setup with a few staff controls built in. Its Bluetooth connection keeps the reader separate from the phone, while configurable tips and tax rates help accommodate different transactions without a fixed counter setup. Digital receipts offer another way to close sales without carrying a printer.

    Compared with the Square Reader for Magstripe (USB-C), Clover Go accepts a wireless connection and adds employee permissions, but it comes with a more restrictive processing arrangement: payments must go through Powering POS. That requirement, along with US-only availability, makes it less flexible for businesses choosing a provider or operating internationally. I’d shortlist it when staff access and mobile checkout matter more than processor choice.

    Pros:
    • Bluetooth connection pairs the reader wirelessly with a smartphone
    • Configurable tips and multiple tax rates suit varied transactions
    • Digital receipts can be sent by email or text
    • Employee permissions support staff-managed checkout
    Cons:
    • Requires payment processing through Powering POS
    • Available only to US-based businesses

    Best for: US-based service businesses with several employees that need a Bluetooth phone-based checkout and configurable tips or tax rates.

    Not ideal for: Businesses that want to choose their own payment processor or need a reader outside the United States, because processing is tied to Powering POS and availability is US-only.

    • Connection:Bluetooth
    • Model number:GOv3
    • Item weight:5.6 ounces
    • Package dimensions:5.28 x 4.8 x 1.65 inches
    • Processing requirement:Powering POS
    • Availability:US-based businesses only
    Our verdict
    “Choose Clover Go if your US business needs wireless phone-based checkout and employee permissions, and you’re comfortable using Powering POS.”
  2. Square Handheld POS Terminal for Card and Contactless Payments

    Square Handheld POS Terminal for Card and Contactless Payments

    Best for Barcode-assisted Checkout

    View Latest Price

    This Square Handheld suits small retailers and food-service operators who need more than a basic card reader. Its touchscreen and barcode scanning can keep product lookup and payment together on one portable device, while support for EMV chip and NFC contactless payments, including Apple Pay and Google Pay, covers several common checkout methods.

    Unlike the Square Reader for Magstripe (USB-C), this is a dedicated terminal rather than a lightweight phone accessory, so it can handle a more self-contained checkout workflow. That added capability comes with a bigger commitment: equipment ships after signup with Square, and the product information does not specify battery life or connectivity details. I’d favor it over the slimmer Square Handheld Portable POS and Credit Card Reader when barcode scanning and a touchscreen matter more than a clearly stated pocketable design.

    Pros:
    • Accepts EMV chip, NFC contactless, Apple Pay, and Google Pay
    • Touchscreen supports an on-device checkout workflow
    • Barcode scanning can help with product lookup
    • Onboarding assistance and payment-processing consultation are offered
    Cons:
    • Equipment ships after signup with Square
    • Battery life is not specified in the supplied product details
    • Connectivity details are not specified in the supplied product details

    Best for: Small retailers and food-service businesses that want a portable touchscreen terminal with barcode scanning and support for chip and contactless payments.

    Not ideal for: Owners seeking a simple, lightweight phone accessory or who need confirmed battery and connectivity specifications before choosing hardware.

    • Dimensions:7.04 x 3.12 x 0.86 inches
    • Weight:2 pounds
    • Payment methods:EMV chip, NFC contactless, Apple Pay, Google Pay
    • Display:Touchscreen
    • Scanning:Barcode scanning
    • ASIN:B0H6KK2PKH
    Our verdict
    “Pick this Square Handheld if your business needs barcode-assisted checkout on a touchscreen terminal and can accept the unspecified battery and connectivity details.”
  3. Square Reader for Magstripe (USB-C)

    Square Reader for Magstripe (USB-C)

    Best for Minimal, Magstripe-only Checkout

    View Latest Price

    Square Reader for Magstripe (USB-C) is the simplest, lightest option here for a business that specifically needs to take magstripe payments through a compatible phone or tablet. At 6.53 grams, it adds little carrying weight, and the Square Point of Sale app brings sales tracking, inventory management, tips, and digital receipts to the connected device.

    Compared with Clover Go, this reader plugs in rather than pairing over Bluetooth, so the USB-C requirement narrows which devices can be used. It also handles magstripe payments only according to the supplied product details; the Square Handheld POS Terminal is a stronger fit when chip, contactless, barcode scanning, or a dedicated screen is needed. I’d choose this reader for a deliberately basic setup, not as a broadly equipped checkout terminal.

    Pros:
    • Very light at 6.53 grams
    • Connects directly through USB-C without Bluetooth pairing
    • Square POS supports sales tracking, inventory, tips, and digital receipts
    • Compatible with listed USB-C Apple and Android devices
    Cons:
    • Requires a compatible device with a USB-C connector
    • Product details describe magstripe acceptance, not chip or contactless payments

    Best for: Microbusinesses and mobile sellers who already use a USB-C iPhone, iPad, or Android device and only need magstripe payment acceptance through Square POS.

    Not ideal for: Businesses that need chip or contactless acceptance, use a device without USB-C, or want a standalone terminal.

    • Connectivity:USB Type-C
    • Compatible devices:Apple and Android devices with a USB Type-C connector
    • Operating systems:iOS, Android
    • Weight:6.53 g
    • Dimensions:4.5 × 0.62 × 4.5 inches
    • Data transfer rate:1.5 megabits per second
    • Warranty:1 year
    • Model number:A-SKU-0862
    Our verdict
    “Choose this reader for the lightest, simplest Square setup if your compatible USB-C device and magstripe-only needs match its narrow scope.”
  4. SumUp Terminal Portable POS System with Receipt Printer

    SumUp Terminal Portable POS System with Receipt Printer

    Best for Printed Receipts on the Go

    View Latest Price

    The SumUp Terminal is the most self-contained choice in this group for businesses that want a portable checkout with printed receipts. Its built-in 40 mm thermal printer can provide a paper receipt at the point of sale, while Wi-Fi and mobile data via SIM card give the device more than one listed connection route. Catalog, inventory, refund, and reporting tools also extend it beyond payment capture.

    Compared with the phone-dependent Clover Go and the plug-in Square Reader for Magstripe (USB-C), this is a fuller handheld POS rather than an accessory. That means a larger, heavier device to carry, at 1.79 pounds, and a more involved kit than a pocket reader. The all-day battery description is useful for mobile shifts, though no specific runtime is provided. I’d choose it when paper receipts and onboard business tools justify the extra hardware.

    Pros:
    • Built-in thermal printer produces paper receipts at checkout
    • Accepts chip and PIN, contactless, Apple Pay, and Google Pay
    • Wi-Fi and mobile data via SIM card are listed connectivity options
    • Includes catalog, inventory, refund, and sales-reporting tools
    Cons:
    • At 1.79 pounds, it is heavier than phone-connected readers such as Clover Go
    • The all-day battery description does not provide a specific runtime

    Best for: Mobile retailers, cafés, and food-service businesses that need a handheld POS with a built-in printer, mobile data, and inventory or refund tools.

    Not ideal for: Sellers who want a very light reader to pair with a phone or who do not need printed receipts and onboard POS tools.

    • Screen:6.5-inch HD touchscreen with Corning Gorilla Glass
    • Printer:Built-in 40 mm thermal printer
    • Payment methods:Chip and PIN, contactless, Apple Pay, Google Pay
    • Connectivity:Wi-Fi and mobile data via SIM card
    • Battery:1 included lithium-ion battery; designed for all-day use
    • Item weight:1.79 pounds
    • Package dimensions:8.11 x 5.2 x 3.19 inches
    Our verdict
    “Choose the SumUp Terminal if printed receipts and a broader portable POS matter more to your business than carrying the lightest possible reader.”
  5. Square Handheld Portable POS and Credit Card Reader

    Square Handheld Portable POS and Credit Card Reader

    Best for Lightweight Offline Checkout

    View Latest Price

    This Square Handheld is aimed at sellers who need a slim device that can scan items and keep payment taking available when internet access is interrupted. The product lists offline payment support, a built-in barcode scanner, and a long-lasting battery, pairing a compact form with functions that go beyond a basic card reader. Its stated weight of 2.11 ounces also makes it notably lighter on paper than the other Square handheld listing in this batch.

    Compared with the Square Handheld POS Terminal for Card and Contactless Payments, this model emphasizes a thinner body and offline support, while that listing explicitly names chip, NFC, and mobile-wallet acceptance and gives no battery or connectivity details. The supplied information here does not specify particular payment methods beyond major credit and debit cards, so buyers should confirm acceptance details before choosing it. A protective case is optional, and processing fees apply.

    Pros:
    • Offline payment support can help during internet interruptions
    • Built-in barcode scanner supports item lookup
    • Slim 7.04 x 3.12 x 0.62-inch design
    • Product details describe a long-lasting battery
    Cons:
    • Protective case for accidental drops is optional
    • Payment processing fees apply
    • The supplied details do not identify specific card or contactless payment methods

    Best for: Market vendors and mobile service businesses that prioritize a slim handheld, barcode scanning, and the ability to take payments offline.

    Not ideal for: Businesses that need a protective case included or require clearly specified payment methods and connectivity details before buying.

    • Dimensions:7.04 x 3.12 x 0.62 inches
    • Weight:2.11 ounces
    • Manufacturer:Square
    • Connectivity feature:Offline payments
    • Barcode scanning:Built-in barcode scanner
    • Battery:Long-lasting battery; runtime not specified
    Our verdict
    “Pick this Square Handheld if a slim device with barcode scanning and offline payment support is your priority, after confirming it accepts the payment methods you need.”
  6. 8 Seconds Processing Dejavoo P1 Touchscreen POS Terminal with Receipt Printer

    8 Seconds Processing Dejavoo P1 Touchscreen POS Terminal with Receipt Printer

    Best for a Fixed Checkout with Backup Connectivity

    View Latest Price

    The Dejavoo P1 is better suited to a shop counter than to taking payments while moving around: its built-in thermal printer and physical keypad make it a self-contained checkout station, while the 4G LTE option can keep it connected when Ethernet or Wi-Fi is unavailable. It accepts chip, swipe, contactless, and mobile-wallet payments, giving customers several ways to pay. Compared with the Square Terminal, it offers more listed connection types, but its description positions it as a fixed-location device rather than a cordless reader for carrying around all day. The 408 g body is relatively light for a terminal with a printer, yet the product data does not specify battery operation. Choose it for a counter that needs receipts and network flexibility; skip it if portability away from a power and checkout setup is your priority.

    Pros:
    • Accepts contactless, EMV chip, magnetic stripe, and mobile-wallet payments
    • Built-in thermal printer provides printed receipts at checkout
    • Ethernet, Wi-Fi, and 4G LTE offer multiple ways to connect
    • Touchscreen and physical keypad support different checkout interactions
    Cons:
    • Designed for fixed checkout locations rather than roaming payments
    • Battery-powered operation is not specified in the product data
    • A one-year warranty is listed, with no longer coverage details provided

    Best for: Small retailers or service businesses that want a countertop terminal with printed receipts and Ethernet, Wi-Fi, and cellular connection options.

    Not ideal for: Mobile vendors who need a clearly specified cordless, battery-powered reader to carry between customers.

    • Model:Dejavoo P1 (SPT-1000)
    • Display:5-inch HD touchscreen
    • Operating system:Android
    • Payment methods:Contactless, EMV chip, magnetic stripe, and mobile wallets
    • Connectivity:Ethernet, Wi-Fi, 4G LTE, Bluetooth, and USB
    • Printer:Built-in thermal receipt printer
    • Weight:408 g
    • Dimensions:2 x 4 x 10 in
    • Warranty:1 year
    Our verdict
    “Choose the Dejavoo P1 for a stationary small-business checkout that needs printed receipts and several connection options, not for all-day mobile use.”
  7. Square Terminal Mobile Payment and Receipt Device

    Square Terminal Mobile Payment and Receipt Device

    Best All-in-One Portable Checkout

    View Latest Price

    The Square Terminal earns its place for businesses that want a portable, self-contained checkout rather than a small reader that depends on a phone. Its built-in battery supports cordless use throughout the day, and the integrated receipt printer means staff can complete a sale and hand over a paper receipt from the same device. Compared with the Square Reader for Contactless and Chip (2nd Generation), the Terminal adds its own screen and printer, but it is also heavier and less pocketable. The tradeoff is platform commitment: payment processing requires Square services, so it is a less flexible choice for businesses already tied to another processor. The listed 24/7 phone support and fraud-prevention services may suit owners who prefer an established support path over assembling a phone-and-reader setup.

    Pros:
    • Built-in battery supports cordless checkout
    • Integrated printer produces receipts without a separate device
    • Accepts major credit and debit cards
    • Includes 24/7 phone support and fraud prevention
    Cons:
    • Payment processing requires Square services
    • Larger and heavier than a phone-paired reader such as Square Reader for Contactless and Chip
    • The listed product data does not specify the full range of accepted payment methods

    Best for: Small shops, pop-ups, and service counters that want a cordless checkout device with a built-in receipt printer and Square processing.

    Not ideal for: Businesses that need processor flexibility or want the smallest reader to pair with a phone.

    • Manufacturer:Square
    • Dimensions:5.6 x 3.4 x 2.5 in
    • Weight:14.7 oz
    • Battery:1 included lithium-ion battery
    • Payment acceptance:Major credit and debit cards
    • Receipt printing:Built in
    • Support:24/7 phone support
    • Payment processing:Requires Square services
    Our verdict
    “Pick the Square Terminal if you want a portable, printer-equipped checkout in one device and are comfortable processing payments through Square.”
  8. SumUp Plus Bluetooth Card Reader for Smartphones

    SumUp Plus Bluetooth Card Reader for Smartphones

    Best for Simple Phone-Paired Payments

    View Latest Price

    The SumUp Plus keeps the hardware side of mobile checkout simple: this 142 g Bluetooth reader pairs with an iOS or Android phone or tablet running the free SumUp app. That makes it a more compact setup than the Square Terminal, which adds a screen and receipt printer but takes up more room and ties processing to Square. The SumUp’s leaner approach also means the phone remains part of the checkout; this reader does not list a built-in printer or standalone display. Its stated in-person transaction fee is 2.6% plus 10, but the source does not specify the currency for that amount, and contract details are absent. It fits sellers who already carry a compatible device and want a straightforward card reader; businesses that need a self-contained terminal or clear fee terms should compare alternatives.

    Pros:
    • Lightweight reader designed for portable payments
    • Pairs with iOS and Android smartphones or tablets over Bluetooth
    • Works with the free SumUp app
    • Accepts major credit and debit cards
    Cons:
    • Requires a compatible phone or tablet for checkout
    • The listed in-person transaction fee does not specify its currency
    • No built-in receipt printer or standalone screen is listed

    Best for: Market sellers, mobile service providers, and small operators who already use an iOS or Android phone or tablet for checkout.

    Not ideal for: Businesses that need a standalone terminal, printed receipts from the reader, or fully specified transaction-fee terms before choosing.

    • Model:SumUp Plus Card Reader
    • Connectivity:Bluetooth
    • Compatible devices:Smartphones and tablets
    • Operating systems:iOS and Android
    • Weight:142 g
    • Color:White
    • Transaction fee:2.6% + 10 per in-person transaction; currency unspecified
    • Warranty:Contact manufacturer
    Our verdict
    “Choose the SumUp Plus for a lightweight phone-based checkout, but look elsewhere if you need an independent terminal or clearer fee details.”
  9. VeriFone VX520 Dual-Communication Credit Card Terminal with Smart Card Reader

    VeriFone VX520 Dual-Communication Credit Card Terminal with Smart Card Reader

    Best for a Wired Countertop Setup

    View Latest Price

    The VX520 is the least phone-centered choice here: it is a wired countertop terminal with Ethernet and dial connectivity, aimed at businesses that want a dedicated card machine rather than a Bluetooth reader. Its EMV smart-card support and VeriShield Protect encryption give it a defined security focus, while cable management can help keep a fixed till less cluttered. Compared with the Dejavoo P1, however, it lacks listed Wi-Fi and cellular options, and contactless acceptance requires an optional reader. That makes it a weaker fit for shops expecting customers to tap or pay by mobile wallet without extra hardware. At 2.5 pounds, it is also substantially less convenient to carry than the SumUp Plus. Pick it for a stable, wired checkout environment; skip it for pop-ups or a tap-first customer base.

    Pros:
    • Supports both dial and Ethernet connections
    • Accepts EMV smart cards
    • Lists VeriShield Protect encryption and PCI security specifications
    • Cable management supports a tidier fixed checkout
    Cons:
    • Contactless reader is optional rather than included
    • No Wi-Fi or cellular connection is listed
    • At 2.5 pounds, it is less portable than compact Bluetooth readers

    Best for: Small businesses with a fixed checkout counter that prefer Ethernet or dial connections and primarily need EMV chip acceptance.

    Not ideal for: Mobile sellers or businesses that need built-in contactless acceptance, Wi-Fi, or cellular connectivity.

    • Model:VeriFone VX520
    • Connectivity:Dial and Ethernet
    • Memory:128 MB / 32 MB
    • Contactless reader:Optional
    • Security:PCI PED 2.0; optional PCI PTS 3.0; VeriShield Protect encryption
    • Weight:2.5 lb
    • Dimensions:9 x 6 x 3 in
    • Color:Grey
    Our verdict
    “The VX520 suits a wired, chip-card-focused counter but is a poor match for mobile checkout or tap-first sales.”
  10. Square Reader for Contactless and Chip (2nd Generation)

    Square Reader for Contactless and Chip (2nd Generation)

    Best Compact Reader for Tap and Chip

    View Latest Price

    This Square reader is the lineup’s compact choice for sellers who already have a compatible phone: the 5.92 oz Bluetooth reader accepts contactless and chip payments, including Apple Pay and Google Pay, while the phone supplies the screen and checkout interface. Its stated ability to take offline payments for up to 24 hours can help during a temporary connection outage, though offline availability is time-limited. Compared with the Square Terminal, it is lighter and easier to carry, but it has no built-in display or receipt printer. It also requires a compatible Android phone or iPhone and operates within Square’s services, unlike the phone-paired SumUp Plus. This is a good fit for lean mobile setups; choose the Terminal instead if you need a self-contained device with printed receipts.

    Pros:
    • Accepts contactless and chip payments, including Apple Pay and Google Pay
    • Compact, battery-powered design for mobile checkout
    • Supports offline payments for up to 24 hours
    • Includes fraud prevention and payment-dispute management
    Cons:
    • Requires a compatible phone or other device to connect
    • Offline payment availability is limited to 24 hours
    • Does not include a built-in screen or receipt printer

    Best for: Market vendors, pop-up businesses, and mobile service providers who want a compact tap-and-chip reader to pair with an Android phone or iPhone.

    Not ideal for: Businesses that need a standalone checkout screen, on-device receipt printing, or payment processing outside Square.

    • Generation:2nd Generation
    • Compatible devices:Android and iPhone
    • Connectivity:Bluetooth
    • Power source:Battery powered
    • Battery:1 included lithium-ion battery
    • Weight:5.92 oz
    • Offline payments:Up to 24 hours
    • Warranty:Limited 1-year
    Our verdict
    “Choose this Square Reader for compact tap-and-chip payments with a phone, and choose the Square Terminal if you need a printer and standalone checkout.”
  11. SumUp Solo Card Reader and Thermal Printer Bundle

    SumUp Solo Card Reader and Thermal Printer Bundle

    Best for Printed Receipts on the Move

    View Latest Price

    I’d choose the SumUp Solo bundle for a small business that needs a separate, portable receipt printer alongside its card reader. It takes chip and contactless payments, including Apple Pay and Google Pay, and connects through Wi-Fi or included mobile data, so a phone hotspot is not the only connection option. The printer’s stated capacity of up to 800 receipts per charge suits busy market days or mobile service work where paper receipts still matter. Compared with the SumUp Plus Bluetooth Card Reader, this bundle adds printing and mobile data, but it also means carrying another device and using the SumUp app. Its thermal printer avoids ink, though you still need compatible paper, and the stated per-transaction fee may be a consideration for frequent sellers.

    Pros:
    • Accepts chip, contactless, Apple Pay, and Google Pay
    • Wi-Fi and included mobile data support use away from a fixed network
    • Thermal printer is inkless and rated for up to 800 receipts per charge
    • SumUp app provides payment management, refunds, and reporting
    Cons:
    • Requires the SumUp mobile app for payment management
    • Separate reader and printer add equipment to carry
    • A transaction fee applies to each payment

    Best for: Market vendors, mobile service providers, and pop-up retailers who want a portable card reader with its own receipt printer and app-based payment reporting.

    Not ideal for: Businesses that prefer a single compact reader, do not need printed receipts, or want to manage payments without the SumUp mobile app.

    • Brand and model:SumUp Solo
    • Included components:Solo card reader and printer
    • Payment types:Chip, contactless, Google Pay, and Apple Pay
    • Connectivity:Wi-Fi and mobile data
    • Printer type:Thermal, inkless
    • Printer weight:16 ounces
    • Maximum copies per charge:Up to 800 receipts
    • Print resolution:300 x 300
    Our verdict
    “Choose this bundle if printed receipts and mobile connectivity matter more than carrying the smallest possible setup.”
  12. P3 Portable Credit Card Machine with Wi-Fi, 4G LTE, and Receipt Printer

    P3 Portable Credit Card Machine with Wi-Fi, 4G LTE, and Receipt Printer

    Best for All-in-One Payment Options

    View Latest Price

    The P3 is a self-contained handheld terminal for businesses that want several payment methods and a built-in printer in one unit. It accepts magnetic stripe, EMV chip, and NFC contactless payments, with mobile wallets also listed, giving it broader card acceptance than the SumUp Solo bundle’s stated chip and contactless support. Wi-Fi and 4G LTE offer flexibility for work on the move, while the 5-inch touchscreen and physical keypad provide two ways to enter information. Unlike the SumUp, its 2-inch printer is built into the terminal, which avoids packing a separate printer. The tradeoff is limited battery detail: the removable 2600 mAh battery is specified, but operating time is not. Buyers should also account for thermal paper and confirm the payment setup suits their business before choosing this Android-based terminal.

    Pros:
    • Accepts magnetic stripe, EMV chip, NFC contactless, and mobile wallet payments
    • Wi-Fi and 4G LTE support transactions in different locations
    • Built-in 2-inch thermal printer keeps the receipt hardware in one device
    • Touchscreen and physical keypad offer flexible data entry
    Cons:
    • Listed battery capacity does not establish how long the terminal runs between charges
    • Printing requires a supply of thermal paper
    • At 408 g, it is less pocketable than a small reader paired with a phone

    Best for: Mobile merchants and service businesses that need swipe, chip, and contactless acceptance plus printed receipts in one handheld terminal.

    Not ideal for: Sellers who need confirmed all-day battery runtime, want a compact reader paired with a phone, or prefer a payment setup with clearly specified service terms.

    • Connectivity:Wi-Fi, 4G LTE, Bluetooth, and USB
    • Payment methods:NFC contactless, EMV chip, magnetic stripe, and mobile wallets
    • Display:5-inch HD IPS touchscreen
    • Printer:Built-in 2-inch thermal receipt printer
    • Print speed:70 mm per second
    • Battery:Removable 2600 mAh lithium polymer
    • Operating system:Android 11
    • Weight:408 g
    Our verdict
    “Pick the P3 if you need broad payment acceptance and built-in receipt printing in one handheld device, and can verify its battery and service details first.”
portable credit card readers for small businesses
What makes a great portable credit card readers for small businesse
1
Choose a checkout setup before choosing a device
Start by deciding whether staff should take payments on a phone or use a dedicated terminal.
2
Check payment methods against your actual customers
Chip, contactless, and magstripe support are not interchangeable from a customer’s point of view.
3
Treat connectivity as part of portability
A device is only mobile if it can stay connected where sales happen.
4
Decide whether printed receipts earn their extra bulk
Built-in printing can help when customers regularly request paper receipts or staff need a physical record at the point of sale.
How to choose your portable credit card readers for small businesse
1
How we picked
I ranked these readers by how well they address the practical demands of small-business checkout: payment methods, mobil
2
Choose a checkout setup before choosing a device
Start by deciding whether staff should take payments on a phone or use a dedicated terminal.
3
Check payment methods against your actual customers
Chip, contactless, and magstripe support are not interchangeable from a customer’s point of view.
4
Treat connectivity as part of portability
A device is only mobile if it can stay connected where sales happen.
5
Decide whether printed receipts earn their extra bulk
Built-in printing can help when customers regularly request paper receipts or staff need a physical record at the point
Vetted portable credit card readers for small businesses ·
The best portable credit card readers for small businesses, compared
★ Winner Clover Go Mobile POS System
Best for Employee-managed Mobile Sales
12compared

How We Picked

I ranked these readers by how well they address the practical demands of small-business checkout: payment methods, mobility, setup effort, receipt handling, and how much extra equipment a seller needs to carry. I gave preference to options with a clear role and a workable balance between portability and everyday usability. A compact reader can be a strong choice when a business already has a suitable phone or tablet; it ranks lower as a complete solution if the seller needs a standalone terminal or paper receipts.

The order also reflects tradeoffs rather than feature count alone. Handheld and standalone devices rank ahead when they can support a more independent checkout, while phone-connected readers earn their place through simplicity and lighter carry. Printer-equipped models make sense for businesses that regularly issue paper receipts, but their bulk is a drawback for pop-up sellers. I treated older or less clearly mobile-oriented hardware more cautiously, since processor compatibility, connectivity, and ongoing support can matter as much as the device itself.

Everyday → specialist
Everyday & valuePremium & specialist
Which portable credit card readers for small businesse fits you?
The everyday user
All-round, reliable
The enthusiast
Premium & high-performance
The gift-giver
Looks & craftsmanship

Factors to Consider When Choosing Portable Credit Card Readers For Small Businesses

A portable reader is only one part of a payment setup. I’d choose the device around the way customers pay, where transactions happen, and what equipment the business already owns. These broader checks can prevent a compact reader from becoming an inconvenient setup—or a full terminal from adding weight and functions the business rarely uses.

Choose a checkout setup before choosing a device

Start by deciding whether staff should take payments on a phone or use a dedicated terminal. A phone-connected reader can keep the kit small, but it makes the phone part of the checkout system and may compete with calls, inventory tasks, or staff access. A standalone device can reduce that dependence, though it may add another screen, charger, and device to manage. Avoid buying a reader based only on its size if the real workflow requires multiple staff members or frequent transactions. Write down who will take payments, what they need to see on screen, and where the sale happens. That simple workflow check often points more clearly to a category than a feature list does.

Check payment methods against your actual customers

Chip, contactless, and magstripe support are not interchangeable from a customer’s point of view. Consider the cards and wallets your customers commonly use, along with any specific payment requirements from your business or processor. A swipe-only reader can be a poor fit if customers expect to tap or insert a chip card, even if it appears simple and portable. At the other extreme, a feature-rich terminal may add little value if the business only needs a basic in-person checkout. Confirm the payment methods supported by both the hardware and the processing service before ordering. This is especially useful when replacing an existing reader, since a new device may not work with the same account or workflow.

Treat connectivity as part of portability

A device is only mobile if it can stay connected where sales happen. Check whether it relies on a phone, Wi-Fi, or a cellular connection, and verify that the connection is available at markets, outdoor events, delivery stops, or other sales locations. A built-in cellular option can reduce dependence on venue Wi-Fi, but it may involve a separate service arrangement and coverage limits. Phone-connected readers also inherit the phone’s battery and signal constraints. A common mistake is to focus on wireless hardware while overlooking the network needed to process payments. Match connectivity to your real selling locations and keep a backup plan for weak service.

Decide whether printed receipts earn their extra bulk

Built-in printing can help when customers regularly request paper receipts or staff need a physical record at the point of sale. It can also make a portable setup heavier and introduce paper supplies, charging, and printer upkeep. If most customers accept digital receipts, carrying a printer may solve a problem the business rarely has. Consider how receipt preferences differ by customer, event, or industry rather than assuming every sale needs paper. Also check how replacement paper is sourced and whether the printer is integrated or an extra item in the kit. The right choice depends on receipt habits, not on the presence of a printer alone.

Check processor compatibility and the whole operating cost

The device’s form factor does not tell you whether it can work with your payment account. Before choosing hardware, confirm that your processor supports the model, that the needed payment methods are enabled, and that the device can receive current software and support. This matters particularly for older terminals, which may depend on communication methods or service arrangements that have changed. Compare the full cost of operating the setup, including any required phone or tablet, connectivity, accessories, and replacement supplies. A low-hardware-cost reader can become less appealing if it needs equipment you do not already own. Get compatibility details from the processor or seller before committing to a device.

Frequently Asked Questions

Should I choose a phone-connected reader or a standalone terminal?

Choose a phone-connected reader if you already have a compatible phone, want a light kit, and are comfortable using that phone during checkout. A standalone terminal is a better match when staff need a dedicated payment device or you want to avoid tying up a personal phone. Remember that standalone does not automatically mean independent of network access or other setup requirements. Check how the device connects and what software or account it needs. The best choice is the one that fits the actual checkout routine, not simply the one with fewer parts.

Is a magstripe-only reader enough for a small business?

It may be enough for a limited workflow where swipe payments are specifically required and customers have other accepted payment options. It is a restrictive choice for a general-purpose checkout because it does not provide the same chip and contactless options as readers designed for those methods. Before buying, check customer expectations, processor requirements, and whether the reader can be used with your existing payment setup. A business replacing a general-purpose reader should be cautious about narrowing acceptance methods. If you need broader in-person acceptance, compare chip-and-contactless hardware instead.

When is a built-in receipt printer worth carrying?

A built-in printer can make sense when paper receipts are frequently requested or your business routinely needs a physical transaction record at the point of sale. It may also simplify checkout compared with carrying a separate printer. The tradeoff is added size and the need to manage paper and device power. If your sales are mostly mobile and customers accept digital receipts, a printer-equipped terminal could add weight without improving the routine. Check receipt expectations with customers and staff before choosing a larger device for this feature.

What should I verify before buying a used or older payment terminal?

Confirm that your current processor supports the exact model and that it can connect using a network or communication method still available to you. Ask whether software updates, replacement parts, and technical support remain available. Also check which payment methods the terminal accepts and whether those methods match your checkout needs. A device can power on yet remain unsuitable if it cannot be activated with your account. For the VX520 or any older terminal, get compatibility confirmation before purchase rather than relying on its listed features alone.

Do I need a full POS terminal if I only take payments at occasional events?

Not necessarily. A compact phone-connected reader may be easier to carry and sufficient if you only need to accept payments and already own a compatible device. A fuller terminal can be useful if event sales involve frequent transactions, paper receipts, or a dedicated staff checkout. Think about what happens between events too: a specialized terminal may sit unused if the business has no regular need for it. Check network availability at event locations and plan for device charging. Choose the smallest setup that reliably supports the sales process rather than paying for functions that rarely get used.

Conclusion

For a strong all-around handheld checkout, I’d start with the Square Handheld POS Terminal; it offers a more complete portable setup than the small phone-connected readers. For best value in a simple workflow, compare the Square Reader for Contactless and Chip or SumUp Plus Bluetooth Card Reader if you already have a compatible phone and do not need a printer. Beginners who want a more self-contained device can look at the SumUp Terminal with Receipt Printer, while a best premium-style fit for paper-receipt workflows is the SumUp Solo Card Reader and Thermal Printer Bundle. For sellers who need a lightweight reader or a specific setup, the compact phone-connected options are easier to carry; for those needing cellular connectivity and a printer, compare the P3 Portable Credit Card Machine with the Dejavoo P1 and confirm service compatibility first. I’d skip the magstripe-only Square reader as a general-purpose choice unless swipe acceptance is the specific need, and verify processor support before buying the legacy-style VX520.

This content is for general information only and is not financial, tax or legal advice. Consult a qualified professional for decisions about your money.
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