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Head-to-head · Mobile Payment Processing Software

MobilePayments vs Stripe Terminal

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score MobilePayments #7 in Mobile Payment Processing Software 8.6/10 Free plan Free plan✓ 2 of 4 features Visit MobilePayments
Stripe Terminal #8 in Mobile Payment Processing Software 8.5/10 Paid ✓ 3 of 4 features Try Stripe Terminal

MobilePayments leads on 1 check, Stripe Terminal on 0, and 4 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreMobilePayments · 8.6/10
  • Free planonly MobilePayments
  • Most featuresStripe Terminal · 3 of 4

MobilePayments scores higher on our rubric for mobile payment processing software: 8.6 against 8.5 out of 10; our editors rank them #7 and #8.

MobilePayments offers free plan; Stripe Terminal doesn't. On payout timing, MobilePayments gives you Next_day where Stripe Terminal offers Instant.

MobilePayments is the better fit for budget-conscious businesses wanting a free POS. Stripe Terminal is the better fit for developers building custom mobile payment flows.

  • MobilePayments fits best

    Budget-conscious businesses wanting a free POS

  • Stripe Terminal fits best

    Developers building custom mobile payment flows

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Side by side

Feature MobilePayments 8.6/10 Visit ↗ Stripe Terminal 8.5/10 Visit ↗
At a glance
Editor score 8.6 8.5
Ranking #7 in Mobile Payment Processing Software #8 in Mobile Payment Processing Software
Best for Budget-conscious businesses wanting a free POS Developers building custom mobile payment flows
Pricing model Free plan + paid Paid
Starting price £49/device one-time —
Free plan ✓ (best) —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS Web, iOS, Android
Support Email, Live chat, Phone Docs
Integrations 1 integrations 6 integrations
Built for Solo, Small business, Mid-market, Enterprise Small business, Mid-market, Enterprise
Features MobilePayments 2/4 · Stripe Terminal 3/4
Reader required — —
Tap to Pay ✓ ✓
Offline payments ✓ ✓
Recurring payments Not checked yet ✓ (best)
Specs
Payout timing Next_day Instant
Payment methods chip and PIN, contactless debit and credit cards, Apple Pay, Google Pay, other digital wallets credit cards, debit cards, contactless cards, digital wallets
Our review
Pros
  • Free POS app with Tap to Pay on iPhone
  • Payment links support text, email, WhatsApp, social media, and QR codes
  • Includes inventory, reporting, bookings, tables, and loyalty tools
  • Tap to Pay works on compatible iPhone and Android devices
  • Offline collection, reader management, and encryption support custom deployments
  • APIs and SDKs unify online and in-person payment data
Cons
  • Card-reader payments require a separate £49 one-time device
  • Stripe is the listed integration
  • Merchant approval includes identity verification and eligibility checks
  • No free plan; transaction fees and hardware costs apply
  • Implementation is technical and requires API or SDK integration
  • Tap to Pay and offline payments have eligibility and device limitations
Our verdict

MobilePayments is a UK payment-processing and point-of-sale service for businesses accepting payments in person, remotely, or online. Its web and iOS presence covers Tap to Pay on iPhone, card-reader payments, payment links, QR-code…

Read the review →

Stripe Terminal provides in-person payment infrastructure for businesses and platforms building custom point-of-sale experiences. It supports certified mobile and smart card readers, Tap to Pay on compatible iPhone and Android devices,…

Read the review →
  1. MobilePaymentsMobile Payment Processing Software 8.6Free plan
  2. Stripe TerminalMobile Payment Processing Software 8.5Paid

Strengths and trade-offs

  • MobilePayments — where it wins

    • Free POS app with Tap to Pay on iPhone
    • Payment links support text, email, WhatsApp, social media, and QR codes
    • Includes inventory, reporting, bookings, tables, and loyalty tools

    Where it doesn't

    • Card-reader payments require a separate £49 one-time device
    • Stripe is the listed integration
    • Merchant approval includes identity verification and eligibility checks

  • Stripe Terminal — where it wins

    • Tap to Pay works on compatible iPhone and Android devices
    • Offline collection, reader management, and encryption support custom deployments
    • APIs and SDKs unify online and in-person payment data

    Where it doesn't

    • No free plan; transaction fees and hardware costs apply
    • Implementation is technical and requires API or SDK integration
    • Tap to Pay and offline payments have eligibility and device limitations

More comparisons

All mobile payment processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update