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