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Head-to-head · Mobile Payment Processing Software

PayPal Point of Sale vs SwipeSimple

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score PayPal Point of Sale #3 in Mobile Payment Processing Software 9.1/10 Free plan Free plan✓ 2 of 4 features Visit PayPal
SwipeSimple #5 in Mobile Payment Processing Software 8.8/10 Paid ✓ 3 of 4 features Visit SwipeSimple

PayPal Point of Sale leads on 0 checks, SwipeSimple on 1, 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 scorePayPal Point of Sale · 9.1/10
  • Free planonly PayPal Point of Sale
  • Most featuresSwipeSimple · 3 of 4

PayPal Point of Sale scores higher on our rubric for mobile payment processing software: 9.1 against 8.8 out of 10; our editors rank them #3 and #5.

SwipeSimple offers offline payments; PayPal Point of Sale doesn't. On payout timing, SwipeSimple gives you Next_day where PayPal Point of Sale offers Instant.

PayPal Point of Sale is the better fit for businesses already using PayPal. SwipeSimple is the better fit for businesses needing recurring and offline payments.

  • PayPal Point of Sale fits best

    Businesses already using PayPal

  • SwipeSimple fits best

    Businesses needing recurring and offline payments

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. How we rank.

Side by side

Feature PayPal Point of Sale 9.1/10 Visit ↗ SwipeSimple 8.8/10 Visit ↗
At a glance
Editor score 9.1 8.8
Ranking #3 in Mobile Payment Processing Software #5 in Mobile Payment Processing Software
Best for Businesses already using PayPal Businesses needing recurring and offline payments
Pricing model Free plan + paid Paid
Starting price Free plan Not checked yet
Free plan ✓ (best) Not checked yet
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Support Phone, Tickets, Docs Email, Phone, Docs
Compliance PCI DSS, 2FA PCI DSS
Integrations 3 integrations 3 integrations
Built for Solo, Small business, Mid-market, Enterprise Solo, Small business
Features PayPal Point of Sale 2/4 · SwipeSimple 3/4
Reader required — —
Tap to Pay ✓ ✓
Offline payments — ✓ (best)
Recurring payments ✓ ✓
Specs
Payout timing Instant Next_day
Payment methods credit cards, debit cards, gift cards, contactless cards, digital wallets, PayPal, Venmo QR codes Visa, Mastercard, American Express, Discover, ACH, Apple Pay, Google Pay, other contactless digital wallets
Our review
Pros
  • No monthly or startup fee for POS software
  • Accepts cards, wallets, PayPal, Venmo QR codes, and gift cards
  • Includes inventory, reporting, loyalty, and key integrations
  • Supports Tap to Pay on iPhone without a separate reader
  • Combines invoices, ACH, subscriptions, and installments
  • Offers offline payments and QuickBooks Online integration
Cons
  • Transaction fees apply when a sale is made
  • Offline payments are not supported
  • Tap to Pay requires a supported iPhone or Android device
  • Processing pricing and fees vary by merchant-service provider
  • Optional hardware costs $49 or $299 upfront
  • Tap to Pay is available on iPhone, not Android devices
Our verdict

PayPal Point of Sale is mobile point-of-sale software for small businesses and larger organizations accepting in-person payments. It supports iPhone and Android devices, with web access also available. Businesses can take credit, debit,…

Read the review →

SwipeSimple is a payment acceptance platform for small businesses that need to take payments in person, online, or through mobile devices. It supports iOS, Android, and web browsers, with card acceptance through Tap to Pay on iPhone,…

Read the review →
  1. PayPal Point of SaleMobile Payment Processing Software 9.1Free plan
  2. SwipeSimpleMobile Payment Processing Software 8.8Paid

Strengths and trade-offs

  • PayPal Point of Sale — where it wins

    • No monthly or startup fee for POS software
    • Accepts cards, wallets, PayPal, Venmo QR codes, and gift cards
    • Includes inventory, reporting, loyalty, and key integrations

    Where it doesn't

    • Transaction fees apply when a sale is made
    • Offline payments are not supported
    • Tap to Pay requires a supported iPhone or Android device

  • SwipeSimple — where it wins

    • Supports Tap to Pay on iPhone without a separate reader
    • Combines invoices, ACH, subscriptions, and installments
    • Offers offline payments and QuickBooks Online integration

    Where it doesn't

    • Processing pricing and fees vary by merchant-service provider
    • Optional hardware costs $49 or $299 upfront
    • Tap to Pay is available on iPhone, not Android devices

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