As 10 melhores soluções de pagamento móvel para o comércio a retalho em 2026

As 15 melhores soluções de pagamentos móveis analisadas

1. 

   1

   Square

   Best for bringing together all sides of your business

   • Free plan + 30-day trial available
   • From $49/month

   Visit Website

   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   With Square, you have everything you need to take payments and grow your sales. This payment service allows you to sell in-person, over the phone, online, and even out and about when in the field. Square also allows you to track customer preferences, feedback, and inventory.

   One of the best things about Square is the versatility it offers. You can charge credit cards by magstripe, chip cards, and contactless readers, as well as Google, Apple, and Samsung Pay. Businesses also have the option to enable virtual terminal payments, where you enter a card number and other details manually with no card reader required.

   Square has the power to support individuals and small businesses with simple tools, as well as massive organizations with custom plans. This platform works for food and beverage, retail, beauty, services, and much more.

   Square Standout Features and Integrations

   Features include mobile card reader, near-field communication, ACH payment processing, POS system, fraud detection, bank transfers, electronic payments, subscription billing, reporting and analytics, partial payments, receipt management, offline access, and SSL security features.

   Integrations include Mailchimp, Wix, FreshBooks, Weebly, WooCommerce, Paymo, QuickBooks, Make, Zoho Invoice, and Book Like A Boss.

   Pros and Cons

   Pros:

   • No monthly fee for small businesses
   • Summaries of every transaction
   • Easy to set up

   Cons:

   • Bluetooth connectivity issues
   • No geo-mapping capabilities
   Learn more about Square:

   • Check out Square on their website
   • Read my in-depth review of Square
   • Explore best alternatives to Square
2. 

   2

   Payment Depot

   Best value for high transaction volumes

   • Free demo available
   • Pricing upon request

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   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Payment Depot offers merchant services that focus on transparent pricing and low-cost credit card processing, aiming to eliminate hidden fees for businesses. This approach has garnered positive feedback from customers who value honesty and have reported substantial savings, making Payment Depot a preferred choice for both small and large businesses seeking clarity in their transaction costs.

   Payment Depot offers a robust mobile payment solution that caters well to businesses on the go, combining convenience with efficiency. By partnering with SwipeSimple, Payment Depot provides a mobile app and card reader that enable merchants to accept payments directly from their smartphones or tablets, regardless of location. This mobile app supports a wide range of functionalities, including the ability to manage a product catalog, save payment information securely, add tips, and process refunds.

   Moreover, Payment Depot's mobile payment solution is designed with user experience in mind, supporting payments from mobile wallets like Apple Pay and Google Pay. This inclusivity in accepted payment methods caters to the growing consumer preference for contactless payments, enhancing the customer experience by offering quick and convenient payment options. The mobile app's intuitive interface ensures that business owners and their staff can easily navigate its features, from transaction processing to inventory management.

   Payment Depot Standout Features and Integrations

   Features include subscription-based pricing, free payment gateway, virtual terminal through swipesimple, compatibility with pos systems like clover and vital select, user-friendly interface, support for mobile and ach payments, integration with major ecommerce platforms, no hidden fees, and dedicated customer support​​​​​​​​​​.

   Integrations include OpenCart, PrestaShop, 3dCart, BigCommerce, WooCommerce, Magento, Zen Cart, NCR, Authorize.Net, PayTrace, and others.

   Pros and Cons

   Pros:

   • Cost-effective for businesses with high transaction volumes
   • User interface is straightforward and intuitive
   • Comprehensive equipment offerings

   Cons:

   • Not ideal for low-volume businesses
   • Limited to US-based, non-high-risk merchants
   Learn more about Payment Depot:

   • Check out Payment Depot on their website
3. 

   3

   Shopify POS

   Best for powering your retail business with more tools

   • 3-day free trial
   • From $89/month

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   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   The Shopify POS mobile payment solution offers businesses software that can streamline their entire purchase process in a centralized platform, from recording customer data and managing loyalty programs to tracking inventory, processing payments, and distributing commissions to staff.

   With Shopify POS, you get all the essential features of a traditional POS system, as well as unique solutions for scalability and growth. With omnichannel options that manage online and retail stores, you don’t need to track multiple inventories, payment systems, and catalogs separately. This all-in-one solution syncs data across the entire platform for easier management.

   Shopify is for businesses of all sizes, but they especially excel in supporting retail and wholesale businesses. Whether you’re just starting your business or trying to grow it with a robust marketing strategy, Shopify POS offers a place to sell, market, and manage everything associated with your organization.

   Shopify POS Standout Features and Integrations

   Features include contactless NFC, electronic payments, mobile access, POS, pricing management, customer history, email marketing, accounting integrations, employee management, return tracking and management, forecasting, multi-location, and sales reports.

   Integrations include Shopify, Meta for Business, DataFeedWatch, TapMango, Extensiv Order Manager, Sling, Better Reports, Marsello, SendCloud, and Glew.

   Pros and Cons

   Pros:

   • Convenient for customers
   • Modern and intuitive navigation
   • All-in-one platform for business management

   Cons:

   • Minimal customer support
   • No variable or custom pricing
   Learn more about Shopify POS:

   • Check out Shopify POS on their website
   • Read my in-depth review of Shopify POS
   • Explore best alternatives to Shopify POS
4. 

   4

   Stax

   Best for real-time business health monitoring

   • Free demo available
   • From $99/month

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   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Stax is an all-in-one payment platform that allows businesses to accept in-person, online, and mobile payments, with customizable smart terminals, top industry gateways, and convenient payment options such as swipe, dip, tap, Apple Pay, and Google Pay.

   I chose Stax as a mobile payment solution because of its comprehensive mobile app that supports iOS and Android, allowing for real-time business insights and access to sales reports. This feature allows for monitoring of business health on the go. Additionally, Stax offers compliant surcharging solutions with 0% markup on direct-cost interchange, allowing businesses to pass credit card processing fees to their customers.

   Furthermore, their point-of-sale system has the ability to synchronize mobile transactions seamlessly. Overall, Stax Pay provides a secure and convenient way for businesses to manage their payment data and monitor their business health from their mobile device. 

   Stax Standout Features and Integrations

   Features include subscription billing, ecommerce integrations, recurring payments, invoicing, credit card surcharging, real-time analytics, developer-friendly APIs, and support for multiple payment methods including credit cards, digital wallets, and bank transfers.

   Integrations include popular business tools such as Slack, Quickbooks, Microsoft Office, Google Suite, CRMs and more. Additional integrations are possible through Zapier, though this requires a separate subscription and may incur additional costs.

   Pros and Cons

   Pros:

   • Advanced invoicing and billing software included
   • User-friendly and versatile platform for various payment types
   • Developer-friendly API

   Cons:

   • Potential added fees for advanced features
   • May be cost-prohibitive for businesses with low sales volume
   Learn more about Stax:

   • Check out Stax on their website
5. 

   5

   CardX by Stax

   Best for zero-cost credit card transactions

   • From $29/month

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   CardX by Stax is a payment processing tool that allows businesses to accept credit card payments at zero cost, ensuring compliance with surcharging regulations. It offers solutions for online, in-office, and in-person transactions, allowing businesses to keep 100% of their sales and remain fully compliant with all rules and regulations.

   I chose CardX by Stax for mobile payment solutions because it offers zero-cost credit card transactions and seamless surcharging compliance, making it stand out from other payment solutions. This tool allows businesses to keep 100% of every credit card sale and provides a fully compliant, turnkey solution, making it the best option for zero-cost credit card transactions.

   Additionally, the platform is fully compliant with all rules and regulations, offering powerful surcharging and 24/7 customer service to drive sales and lower payment processing times.

   CardX by Stax Standout Features and Integrations

   Features include transparent pricing, no hidden fees, compliance with surcharging regulations, easy integration, enhanced convenience, efficiency for businesses, customer support, real-time reporting, secure transactions, and fraud prevention tools.

   Integrations include Stax Pay, Stax Connect, Stax Bill, Stax Processing, and Click to Pay.

   Pros and Cons

   Pros:

   • Detailed transaction insights
   • Customizable surcharge options
   • Compliance with surcharging laws

   Cons:

   • Not best suited for smaller transaction volumes
   • Complex integration process
   Learn more about CardX by Stax:

   • Check out CardX by Stax on their website
6. 

   6

   QuickBooks Online

   Best for small business accounting tools

   • Free plan + 30-day trial available
   • From $38/month

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   Customer Rating:4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   QuickBooks Online is a cloud-based accounting software that you can use to process your payments, track your expenses, and manage your invoices. It's designed for small- and medium-sized businesses, and is available in the US, Canada, the UK, and Australia. You can access the platform from anywhere because it's cloud-based, making it possible to manage transactions on the go.

   To automate your data entry, you can connect your bank feeds to the software. It calculates sales tax automatically for transactions, and allows you to charge clients and customers via invoice. The invoicing tool creates customizable invoices, which you can then send by email or by printing and mailing.

   The software's expense tracking feature lets you categorize and track your business expenses, helping you keep clean and up-to-date financial records for your business. It has a detailed analytics and reporting dashboard to give you a comprehensive overview of where money is coming from, and where it's going.

   QuickBooks Online integrates with over 450 business apps like Square, Stripe, Paychex, Insightly CRM, Mailchimp, Shopify, eBay, BigCommerce, Magento, Squarespace, and Etsys. Paid plans start from $30 per month, and a 30-day free trial is available.

   Learn more about QuickBooks Online:

   • Check out QuickBooks Online on their website
   • Explore best alternatives to QuickBooks Online
7. 

   7

   Helcim

   Best for cost-effective payment processing

   • Free demo available
   • From Interchange + 0.40% + 8¢ (varies by volume)

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   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Helcim is a payment processing tool designed to provide businesses with cost-effective solutions for accepting credit and debit card payments, both in-person and online. Its commitment to transparent pricing and low processing rates positions Helcim as a competitive choice for businesses aiming to reduce their processing fees.

   I chose Helcim for mobile payment solutions because of its commitment to low processing rates and transparent pricing, which is crucial for businesses looking to manage costs effectively. What makes Helcim different is its Interchange Plus pricing model and the Helcim Fee Saver feature, which can significantly reduce credit card fees.

   Beyond just payment processing, Helcim provides a full suite of integrated services, including a comprehensive merchant platform that supports a wide range of functionalities such as invoicing, customer management, and inventory management.

   Helcim Standout Features and Integrations

   Features include merchant accounts for accepting credit and debit card payments, a mobile app for iOS and Android for on-the-go payment acceptance, virtual terminals for processing transactions over the phone or via other non-direct methods, and payment gateways for integrating payments into business websites with features like hosted payment pages, QR codes, and recurring payment plans.

   Integrations include Xero, Quickbooks, WooCommerce, Foxy.io, and Great Exposure.

   Pros and Cons

   Pros:

   • Support through phone, email, and an online ticket system
   • Interchange-plus pricing model is highly transparent
   • Extensive range of services beyond payment prossing alone

   Cons:

   • Limited physical presence outside Canada and the US
   • Complexity for small merchants
   Learn more about Helcim:

   • Check out Helcim on their website
   • Read my in-depth review of Helcim
8. 

   8

   Clover

   Best for POS system integrations

   • 90-day free trial
   • From $16/month

   Visit Website

   Customer Rating:3.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Clover is a point-of-sale (POS) system that provides businesses with a combination of hardware and software to process sales transactions and manage various aspects of their operations. The system is designed to support businesses in the retail, restaurant, and service industries by providing a centralized solution for sales, payment processing, and business management tasks.

   Clover offers portable devices that allow merchants to accept payments anywhere, whether at the counter, at the table, or on the go. These customizable POS devices can handle a wide range of payment types, including credit and debit card swipes, mobile wallets, EMV chips, and contactless payments.

   Clover's software platform also includes features for tracking sales, managing inventory, and analyzing business performance. Overall, it is intended to provide businesses with the tools they need to process transactions efficiently while also offering insights into their operations.

   Clover Standout Features and Integrations

   Features include a customizable interface, employee management and order management tools, customer relationship management, loyalty and rewards programs, offline mode in the case of internet outages, point-to-point encryption (P2PE), and Payment Card Industry Data Security Standard (PCI-DSS) compliance.

   Integrations include WooCommerce, Homebase, 7shifts, Paychex Flex, Adobe Commerce, Deputy, Xero, Shopify, Mailchimp, and DocuSign.

   Pros and Cons

   Pros:

   • Provides reliable customer support
   • User-friendly interface
   • Offers a good mix of hardware options

   Cons:

   • Limited support for international currencies
   • Long-term contract required for some pricing plans
   Learn more about Clover:

   • Check out Clover on their website
   • Read my in-depth review of Clover
9. 

   9

   Merchant One

   Best customizable payment solutions tailored to specific business needs

   • Free quote available
   • Pricing upon request

   Visit Website

   Customer Rating:5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Merchant One is a payment processing solution that caters to a variety of business sectors, including retail, with a particular emphasis on credit card processing and point of sale (POS) systems. Recognized for its direct service approach and next-day funding capabilities, Merchant One stands out as a preferred choice for retail POS systems, serving over 100,000 customers with its reliable and cost-effective processing solutions.

   Another distinctive feature of Merchant One is its commitment to providing customizable payment solutions tailored to the specific needs of each business. Unlike one-size-fits-all payment processors, Merchant One works closely with clients to understand their unique requirements and challenges, offering personalized setups that include various payment gateways, POS systems, and mobile payment solutions.

   Merchant One differentiates itself by assigning dedicated account managers to each client. This approach ensures that businesses receive personalized support and guidance throughout their partnership with Merchant One. The dedicated account manager becomes familiar with the specific needs and challenges of the business, providing targeted advice, timely assistance with issues, and helping navigate the complexities of payment processing.

   Merchant One Standout Features and Integrations

   Features include high approval rates for high-risk businesses, customizable payment solutions, dedicated account managers, flexible payment processing options, mobile payment capabilities, e-commerce integration, pos systems support, 24/7 customer service, competitive pricing, comprehensive reporting and analytics, secure transaction processing, multi-channel payment acceptance.

   Integrations include Authorize.net, Payeezy Gateway, Payflow Pro, Paytrace Gateway, USAePay, Aloha, Micros, Maitre’D, 1ShoppingCart, BigCommerce, ecwid, Fishbowl, Magento, PrestaShop, Salesforce, and dozens more ecommerce platforms, shopping cart solutions, and sales enablement tools.

   Pros and Cons

   Pros:

   • Dedicated account managers for each client
   • Customizable payment solutions tailored to the specific needs businesses
   • High approval rates for high-risk businesses

   Cons:

   • Cost cosiderations for smaller businesses
   • Learning curve for advanced features
   Learn more about Merchant One:

   • Check out Merchant One on their website
   • Read my in-depth review of Merchant One
10. 

    10

    Stripe

    Best for a technology-first approach to payment processing

    • Free plan + Free demo available
    • From $0/month

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    Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

    

    Stripe is an online payment processing tool that’s targeted towards internet businesses. It allows users to set up a marketplace, accept payments with a global payment platform, and bill customers on a monthly or recurring basis.

    One of the best things about Stripe is its technology-first approach, which encourages developers to build integrations into the system with real-time webhooks. Using the developer platform means businesses spend less time on maintenance for legacy systems and more time focusing on the customer experience.

    As an online tool for internet retailers, Stripe is scalable for businesses of every size. Its versatility allows business owners to accept payments in over 135 currencies and global transfers, manage a subscription service, or create a crowdfunding platform. Using Stripe, you can ensure you have a variety of payment options for your customers.

    Stripe Standout Features and Integrations

    Features include an embeddable UI toolkit, authentication, in-person payments, authorization, payment links, online and recurring payments, iOS and android compatibility, financial reporting, and payout management.

    Integrations include Magento, Shopware, WordPress, Drupal, WooCommerce, PrestaShop, Afterpay, Klarna, Shopify, and Rippling.

    Pros and Cons

    Pros:

    • Automated fraud detection
    • Reliable and intuitive
    • No monthly fee, only transaction fee

    Cons:

    • Developer needed for some features
    • No real-time payment deposits
    Learn more about Stripe:

    • Check out Stripe on their website
    • Read my in-depth review of Stripe
    • Explore best alternatives to Stripe