Square Reader for magstripe (USB-C)
4.6Editor score
Plug and play USB-C connection
Free Point of Sale app included
Next business day funding available
In this guide
Credit card swipers are essential tools for modern businesses handling in-person transactions. They enable merchants to securely read magnetic stripe data from various cards efficiently.
We evaluated ten top-rated devices based on compatibility, ease of setup, and reliability. Our analysis covers simple USB readers and advanced mobile terminals for diverse needs.
Each pick highlights key features and real-world performance insights. Prices fluctuate often, so verify current listings before purchasing your preferred payment processing device.
Top 3 Picks for Best Credit Card Swipers
Square Terminal – Credit Card Machine to Accept All Payments | Mobile POS
4.5Editor score
All-in-one payment and receipt device
Built-in battery lasts all day
Process chip cards in two seconds
PAX S300 v2, RS232/Ethernet, PIN Pad/Card Reader/SCR/Contactless – Dual Com, EMV, NFC – S300-000-364-02NA
3.9Editor score
PCI PTS 3.x security certified
Large color touch screen display
Contactless and chip card support
Top 10 Best Credit Card Swipers in 2026 Compared
The following table provides a side-by-side overview of all ten products. It highlights key specifications to help you quickly identify the right device for your specific business requirements.
ProductsSpecificationsEditor scorePrice
Editor's Choice
MSR90 USB Swipe Magnetic Credit Card Reader
USB emulation keyboard interface
Reads up to 3 tracks
Bi-directional swipe reading
LED indicator for status
4.2Editor score
Editor's Choice
USB Magnetic Stripe 3-Track POS Credit Card Reader
USB interface keyboard emulation
Reads all 3 tracks
Works on Windows and Mac
LED indicator light included
4.2Editor score
Editor's Choice
Square Terminal – Credit Card Machine
Accepts all major credit cards
Prints receipts directly
Built-in battery power
Next business day funding
4.5Editor score
ETEKJOY USB 3-Track Magnetic Stripe Card Reader
USB interface keyboard emulation
Reads high and low coercivity
Compact size with 1 cord
Screw holes for mounting
4.3Editor score
Square Reader for magstripe (USB-C)
USB-C connectivity
Works with Apple devices
Free Point of Sale app
Next business day funding
4.6Editor score
2xhome – Set of 2 – POSMATE
Set of two readers
Reads 1 2 3 tracks
ISO and AAMVA compatible
5ft cable length included
4.1Editor score
SumUp Plus Card Reader, Bluetooth
Bluetooth connectivity
Accepts major credit cards
Free SumUp App required
Low transaction fees
3.8Editor score
PAX S300 v2, RS232/Ethernet
PCI PTS 3.x security
Large color touch screen
Contactless and EMV ready
USB and LAN connectivity
3.9Editor score
Clover Go Contactless Reader
EMV Chip Ready
Contactless payments support
No merchant account required
Works with iOS and Android
4.0Editor score
Generic Dejavoo QD2 Mobile Wireless Terminal
Chip Card EMV NFC compatible
2.4 inch color LCD
192 MB memory total
Requires SwyftPAY account
1. MSR90 USB Swipe Magnetic Credit Card Reader – Best Overall Credit Card Swiper
MSR90 USB Swipe Magnetic Credit Card Reader
USB emulation keyboard interface
Reads up to 3 tracks
Bi-directional swipe reading
LED indicator for status
The MSR90 is a reliable USB emulation keyboard interface designed for businesses needing simple magnetic stripe reading. With a 4.2 rating it offers robust performance for processing payment data efficiently without complex installation steps.
Pros
- Plug and play setup
- Reads scratched magstripe cards
- Compatible with Windows and Mac
- Durable design for high use
- Affordable entry-level price
Cons
- Basic feature set only
- Requires external software config
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Its bi-directional swipe reading handles high jitter and worn cards better than many competitors. The LED indicator provides clear visual feedback during connection and swiping events ensuring users know the device status instantly.
While it lacks advanced encryption features required for some high-security environments it excels at basic data capture. The configuration software allows easy changes for different card formats like ISO7811 and AAMVA.
This reader is ideal for small businesses or developers needing a quick USB solution. It balances cost and functionality effectively making it a strong choice for routine transaction processing tasks.
Plug and Play Simplicity
No driver installation is needed since it emulates a keyboard interface for instant recognition by connected systems.
Durable Card Handling
Superior reading technology ensures reliable performance even with scratched or worn magnetic stripe cards common in high traffic areas.
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2. USB Magnetic Stripe 3-Track POS Credit Card Reader – Reliable Data Capture
USB Magnetic Stripe 3-Track POS Credit Card Reader
USB interface keyboard emulation
Reads all 3 tracks
Works on Windows and Mac
LED indicator light included
This USB magnetic stripe reader provides straightforward access to payment data for various applications. It supports all three tracks on magnetic cards and works seamlessly with text editors and POS software.
Pros
- Simple USB connection
- Reads high and low coercivity
- Compatible with POS systems
- Red LED status indicator
- Affordable price point
Cons
- No encryption capabilities
- Basic plastic build quality
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The device reads both high and low coercivity cards ensuring versatility across different card types. Its LED indicator lights up red when connected and blinks during swipes providing clear visual cues for users.
Configuration software is available for changing settings though it may require initial setup time. It is not suitable for encrypted systems so check requirements before purchasing for secure environments.
Ideal for loyalty programs or access control where simple data reading is sufficient. It offers a budget-friendly option for businesses needing basic card data entry capabilities.
Universal System Compatibility
Works on Windows Mac and other USB capable systems making it versatile for different operating environments.
Visual Status Feedback
Red LED indicator clearly shows connection status and swiping activity to prevent user errors during transactions.
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3. Square Terminal – Credit Card Machine – Best All-in-One Terminal
Square Terminal – Credit Card Machine
Accepts all major credit cards
Prints receipts directly
Built-in battery power
Next business day funding
Square Terminal combines sales ring up payment acceptance and receipt printing in one sleek device. It processes chip cards quickly and allows merchants to use it cordlessly thanks to its long-lasting built-in battery.
Pros
- Accepts all major credit and debit cards
- Prints receipts directly
- Built-in battery for mobility
- Low rates with no hidden fees
- Next business day funding
Cons
- Higher upfront cost
- Requires Square account setup
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Merchants appreciate the simplicity of accepting all major credit and debit cards with a single low rate. Funds are deposited as soon as the next business day helping businesses maintain healthy cash flow without waiting weeks.
While the initial cost is higher than simple readers the integrated features save time and equipment. It is designed for counter use or mobile sales within a store offering flexibility for retail environments.
This terminal is perfect for businesses wanting a unified payment and POS solution. It eliminates the need for separate hardware making it a top choice for modern retail operations.
Integrated Receipt Printing
Print customer receipts directly from the device without needing a separate printer or extra connections.
Portable Battery Design
Built-in battery lasts all day allowing you to ring up customers anywhere in your store without outlet access.
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4. ETEKJOY USB 3-Track Magnetic Stripe Card Reader – Compact Option
ETEKJOY USB 3-Track Magnetic Stripe Card Reader
USB interface keyboard emulation
Reads high and low coercivity
Compact size with 1 cord
Screw holes for mounting
The ETEKJOY reader offers a compact solution for businesses needing basic magnetic stripe capabilities. It works on Windows and Mac systems and integrates well with standard software like Excel or Notepad.
Pros
- Compact size fits small counters
- 145cm USB cord included
- Screw holes for fixing
- Works with Excel and Word
- High coercivity card support
Cons
- Basic build materials
- No advanced security features
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Its 145cm USB cord provides flexibility in placement while two 3mm screw holes allow secure fixing at the bottom. The LED indicator light confirms connection and reading status for immediate feedback.
This model supports high and low coercivity cards ensuring compatibility with various magnetic formats. Configuration software helps change settings easily if needed for specific data tracking or access control needs.
Ideal for budget-conscious businesses needing a reliable reader for point of sale systems. It balances affordability with practical features like fixed mounting options for counter stability.
Flexible Cable Length
The 145cm USB cord allows convenient placement away from the computer without stretching cables unnecessarily.
Secure Mounting Design
Two screw holes on the bottom enable secure fixing to counters preventing accidental movement during use.
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5. Square Reader for magstripe (USB-C) – Best Budget Credit Card Swiper
Square Reader for magstripe (USB-C)
USB-C connectivity
Works with Apple devices
Free Point of Sale app
Next business day funding
This small USB-C reader allows you to accept payments anywhere with just your smartphone or tablet. It connects easily and works with the free Square Point of Sale app to manage inventory and send digital receipts.
Pros
- Extremely affordable purchase price
- Plug and play USB-C setup
- Free Square Point of Sale app
- Next business day funding
- Works with Lightning devices
Cons
- Limited to Square ecosystem
- Basic magnetic stripe only
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Merchants benefit from getting their money as soon as the next business day without long-term contracts. The compact design makes it perfect for mobile sales or small counters with limited space.
While it focuses on simplicity and low cost it delivers reliable performance for basic transaction needs. It is designed for Apple devices with a Lightning connector expanding its usability for iOS users.
Best suited for startups or solo entrepreneurs needing an immediate low-cost payment solution. Its ease of setup and free app integration make it the top budget choice.
Free Software Ecosystem
Download the free Square Point of Sale app to track sales manage inventory and accept tips easily.
Quick Fund Access
Get your money as soon as the next business day helping you maintain steady cash flow operations.
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6. 2xhome – Set of 2 – POSMATE – Best Value Bulk Pack
2xhome – Set of 2 – POSMATE
Set of two readers
Reads 1 2 3 tracks
ISO and AAMVA compatible
5ft cable length included
This set includes two USB mini readers perfect for businesses needing multiple stations. They read data from 1 2 3 tracks and are compatible with ISO ANSI and AAMVA standards for drivers licenses and gift cards.
Pros
- Set of two readers included
- Reads 1 2 3 tracks
- 5ft cable for flexibility
- Compatible with multiple card types
- Budget-friendly bundle price
Cons
- Not encrypted for high security
- Basic plastic construction
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Each unit comes with an approximate 5ft cable length allowing convenient placement near registers or counters. They are ideal for access control or ID verification where encryption is not required.
The bundle offers significant value compared to buying single units separately. It simplifies bulk procurement for small businesses needing backup units or secondary checkout lanes.
Best for non-secure applications like loyalty programs or internal tracking. Verify system requirements to ensure encryption is not needed before purchasing for sensitive financial data.
Bulk Bundle Value
Purchasing a set of two readers provides cost efficiency and backup options for busy business locations.
Flexible Cable Length
The 5ft cable ensures you can position the reader comfortably near the cashier or terminal without restrictions.
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7. SumUp Plus Card Reader, Bluetooth – Best Mobile Bluetooth Option
SumUp Plus Card Reader, Bluetooth
Bluetooth connectivity
Accepts major credit cards
Free SumUp App required
Low transaction fees
This mobile card reader accepts payments anywhere and anytime using Bluetooth technology. It works with the free SumUp App on smartphones or tablets to process transactions efficiently without long-term commitments.
Pros
- Bluetooth wireless connection
- Accepts major credit and debit
- Use free SumUp App
- Low transaction fees
- No long-term contracts
Cons
- Lower average rating
- Requires smartphone app dependency
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Merchants pay one low rate with no hidden fees making it transparent for small business owners. It accepts all major credit and debit cards ensuring broad compatibility for customer payments.
The device is designed for mobility allowing you to accept payments away from a fixed counter. Setup is straightforward by downloading the app and pairing the reader via Bluetooth.
Ideal for event vendors or service providers needing a portable solution. While the rating is lower it offers flexibility for those prioritizing mobility over advanced hardware features.
Wireless Freedom
Bluetooth connectivity allows you to take payments anywhere without being tethered to a computer or cable.
Simple App Integration
Use the free SumUp App on your smartphone to start accepting transactions quickly with no complex setup.
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8. PAX S300 v2, RS232/Ethernet – Best Premium Terminal
PAX S300 v2, RS232/Ethernet
PCI PTS 3.x security
Large color touch screen
Contactless and EMV ready
USB and LAN connectivity
The S300 is a premium retail payment solution designed for multilane merchants needing high transactional security. It features PCI PTS 3.x security design and protects all transaction information with robust encryption standards.
Pros
- PCI PTS 3.x certified security
- Large color touch screen
- Contactless and EMV support
- Massive memory for performance
- Sleek retail design
Cons
- Higher price point
- Complex for simple needs
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Merchants get a large color touch screen and loudspeaker for exceptional multimedia performance. It supports contactless e-Signature magnetic stripe and Chip & PIN ensuring comprehensive payment acceptance options.
With USB and LAN connectivity options the device offers flexible integration into existing networks. Its 32-bit ARM11 processor and massive memory handle high volume transactions smoothly without lag.
Best for established businesses requiring top-tier security and customer experience. It combines high functionality with a stylish device suitable for modern retail environments.
State-of-the-Art Security
PCI PTS 3.x and SRED design encrypts all transaction information protecting sensitive customer payment data effectively.
Multimedia Performance
The 32-bit ARM11 processor and massive memory ensure exceptional performance for multimedia and transaction speed.
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9. Clover Go Contactless Reader – Best for Quick Mobile Payments
Clover Go Contactless Reader
EMV Chip Ready
Contactless payments support
No merchant account required
Works with iOS and Android
Clover Go provides mobile payment acceptance with EMV chip and contactless support. It works with iOS and Android devices making it versatile for various smartphones and tablets used by merchants.
Pros
- EMV chip card support
- Contactless payment capability
- Works with iOS and Android
- No merchant account required
- Compact portable design
Cons
- Limited quantities available
- May require current version
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This version requires no merchant account allowing quicker setup for those seeking flexibility. However quantities may be limited and orders might be fulfilled with the most current version available.
Its compact design makes it easy to carry for on-the-go transactions. It balances basic features with affordability for businesses needing essential card reading capabilities.
Best for small businesses needing mobile chip support. Always verify current stock levels as limited quantities may affect availability.
Versatile Device Support
Works with both iOS and Android systems ensuring broad compatibility for mobile payment acceptance.
No Account Hassle
No merchant account is required for this model simplifying the setup process significantly for new users.
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10. Generic Dejavoo QD2 Mobile Wireless Terminal – Full Wireless Terminal
Generic Dejavoo QD2 Mobile Wireless Terminal
Chip Card EMV NFC compatible
2.4 inch color LCD
192 MB memory total
Requires SwyftPAY account
This mobile wireless terminal offers secure payment processing anywhere and anytime for businesses. It supports Chip Card EMV and NFC payments with a 2.4 inch color LCD display for clear user interaction.
Pros
- Chip Card EMV NFC compatible
- 2.4 inch color LCD display
- 192 MB memory included
- Includes terminal and power supply
- Secure wireless processing
Cons
- Requires new merchant account
- Higher price point
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The terminal includes 192 MB of memory and comes with the power supply ensuring ready use after setup. It requires a new merchant account with SwyftPAY prior to shipping equipment so plan accordingly.
Its design allows flexibility for businesses needing full processing capabilities in a portable form. It balances robust features with ease of use for various transaction types.
Best for businesses needing a standalone terminal. Remember to establish a merchant account before ordering to avoid shipping delays.
Robust Connectivity
Secure payment processing anywhere anytime with wireless capabilities for maximum business flexibility.
Complete Hardware Package
Includes terminal and power supply so you have everything needed to start processing payments immediately.
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Buying Guide – How to Choose the Best Credit Card Swipers
Selecting the right credit card swiper depends on your business needs and transaction volume. Understanding key factors helps ensure compatibility and security for your operations.
Connection Type
USB readers plug directly into computers while mobile options use Bluetooth or cellular networks. Choose the type that fits your existing hardware setup.
Ensure your devices support the connection method before purchasing to avoid compatibility issues.
Security Compliance
Merchants handling payment data must comply with industry security standards. Look for PCI PTS certification for robust data protection.
Non-encrypted readers are suitable for loyalty programs but not for secure financial processing.
Card Compatibility
Check if the device reads all three tracks and supports chip cards or contactless payments. Some readers handle only magnetic stripes.
Modern businesses need EMV and NFC support to accommodate evolving payment methods.
Integration Software
Ensure the reader works with your point of sale software or accounting tools. Most emulate keyboard interfaces for broad compatibility.
Verify specific application support like Excel or specialized POS systems during selection.
Durability
Consider the build quality if the device will face heavy use. Metal components or reinforced designs last longer than plastic ones.
Invest in durable hardware for high traffic environments to reduce replacement costs.
Transaction Costs
Beyond device price consider ongoing fees like processing rates or subscription costs. Some terminals charge per transaction while others have monthly fees.
Calculate total cost of ownership to find the most economical solution for your volume.
Portability
Mobile businesses need lightweight readers that fit in pockets or bags. Wireless options provide the most flexibility for on-the-go sales.
Check battery life if the device runs on rechargeable power for extended use.
Customer Support
Reliable support ensures quick resolution of technical issues. Look for vendors offering documentation and responsive service teams.
Strong support networks minimize downtime during critical business operations.
How to Use and Care for Your Credit Card Swipers
Connect the device to your computer via USB or pair it via Bluetooth. Ensure the indicator light shows it is ready for use.
Swipe the card firmly and steadily through the slot. Avoid dragging the card quickly to prevent read errors.
Keep the swiping slot clean and free of dust. Store the device in a cool dry place when not in use.
Frequently Asked Questions
Do these readers require internet connection?
USB readers do not need internet unless your software requires it. Bluetooth readers need a connected smartphone with data access for processing.
Are magnetic stripe readers still reliable?
Yes they are reliable for basic data capture but chip cards are more secure. Consider upgrading to EMV support for better protection.
Can I use these with Mac computers?
Most USB readers work with Mac as they emulate keyboards. Verify software compatibility before purchasing for specific systems.
What is the average lifespan?
High-quality readers can last over a million swipes. Proper care extends usability significantly for daily business operations.
Do I need special software?
Most work with basic text editors or standard POS software. Some require specific apps for advanced transaction tracking.
Is encryption included?
Basic USB readers usually do not include encryption. Look for PCI PTS certified models for secure financial data handling.
Final Thoughts on Choosing the Best Credit Card Swipers
The Square Terminal and MSR90 offer strong value for different needs ranging from mobile convenience to desktop stability.
Prioritize security compliance and connectivity options that match your business model to avoid future complications.
Always check current prices and availability before purchase as listings change frequently.