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Mobile Payment Service Fee Comparison Chart

Mobile Payment Service Fee Comparison Chart

With the proliferation of mobile payment services, it’s hard to decide which service to use that’s best for your small business. Here is a comparison chart that may help you decide between Paypal Here, Square Up, Spark Pay and Flint. I left out PaySimple because they have a monthly fee, whereas all the others do not.

The green bold text indicates possible best option.

Paypal Here
Square Up
Spark Pay
Flint
Swiped transaction fee
2.7%
2.75%
2.7%
2.95% + $0.20
Typed transaction fee
3.5% + $0.15
3.5% + $0.15
3.7%
2.95% + $0.20
American Express
2.7%
2.75%
2.95%
2.95% + $0.20
Debit Card
2.7%
2.75%
2.7%
1.95% + $0.20
Card reader
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iOS
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Android
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Summary:

  • If you normally swipe credit cards from your customers, use Paypal and Spark Pay.
  • If you normally type in the transaction (not swiped) or if most of your customers use Debit cards, use Flint.
  • If most of your customers use American Express, use Paypal.
  • Possible deal breakers: Flint does not support card readers or Android.

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