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PhoneSwipe Review


PhoneSwipe offers an app and mobile card reader for taking credit and debit card payments while you’re away from your store or office. You can accept credit all major card payments almost anywhere.

However, there are two drawbacks: Firstly, PhoneSwipe is proprietary. In order to use it, you’ll need a merchant account with North American Bancard (NAB). Secondly, PhoneSwipe cannot process chip credit cards using the chip. You can accept chip credit cards and run them with the magnetic strip, as with traditional credit cards, but if you do that, you’re liable for fraudulent transactions.

If you’re still considering PhoneSwipe despite the limited choice of processors and lack of chip card acceptance, here’s what you need to know about the features and functions.

PhoneSwipe’s Features

PhoneSwipe offers several features that will help you boost your business. The app allows you to record cash transactions, while a free credit card swiper lets you accept Visa, MasterCard, Discover, and American Express cards. Additionally, the app includes a function for discounting, allows customers to tip, and automatically calculates taxes owed.

On the business management side of things, PhoneSwipe boasts next day funding (for transactions that are completed by 5 PM Eastern time) and provides real time reporting. A basic inventory management function is also available, allowing you to organize stock into color-coded groups and set multiple prices.

Hardware and Compatibility

PhoneSwipe’s free card reader is approximately 1.5 x 1.5 x 0.5 in and accepts traditional magnetic strip credit and debit cards. It will also swipe PayPal Payment cards. The reader comes with a 1-year limited warranty for malfunctions.

The card reader can be used with either Apple or Android smartphones and tablets. A list of compatible devices is available on PhoneSwipe’s website.


PhoneSwipe claims that its card reader and app are completely safe to use. The app doesn’t store customer credit card information in the application or on the smartphone used. Furthermore, PhoneSwipe offers end-to-end encryption, meaning that it transforms credit card data into an unbreakable code from the moment you swipe the card. It stays encoded even after it arrives at PhoneSwipe’s servers.


You don’t want to wait until the end of the day, week or even month to see transaction data. PhoneSwipe lets you access real time reports on transactions. You can see top-selling items, deposits, set chargeback alerts, and update your business profile.

PhoneSwipe Pricing

PhoneSwipe publishes flat-rate pricing of 2.69% for all swiped transactions. You have the option to key in a transaction, too; in that case, the flat rate is 3.49% plus $0.19 per transaction.

No other fees are currently disclosed, but rates and fees are subject to change. Cancellation fees may also apply.

Helpful Links

App in Google Play Store
App in iTunes/App store

Product Features

Selective: North American Bancard


  • iOS compatible
  • Android Compatible
  • EMV capable
  • NFC capable

PhoneSwipe Q&A

PhoneSwipe Reviews ( 1)

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from CardFellow, on May 31, 2016

This reader has a limited choice of processors, and doesn't currently accept chip cards. Probably worthwhile to look elsewhere.

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