---
title: "Best Credit Card Terminal Alternatives 2026 | Capterra"
description: "Looking for alternatives to Credit Card Terminal? Find out how Credit Card Terminal stacks up against its competitors with real user reviews, pricing information, and what features they offer."
source_url: "https://www.capterra.com/p/171168/Credit-Card-Terminal/alternatives/"
page_type: "alternatives"
language: "en"
---

# Credit Card Terminal alternatives

Last updated on August 26th, 2026

The best Credit Card Terminal alternatives are Cheddar Up (best overall), Square Payments (best free plan), PayPal Point of Sale (best budget option), and Stripe (most reviewed). Together they hold 8,464 verified Capterra reviews, with overall ratings from 4.6 to 4.9 out of 5. Credit Card Terminal itself holds 4.8 out of 5 across 4 reviews.

### Credit Card Terminal
- Rating: 4.8 out of 5 (4 reviews)
- Ease of use: 4.3 out of 5
- Starting price: Not available
- Key features: 2 of 4 top category features

---

## Top alternatives

Credit Card Terminal alternatives compared

| Product | Rating difference | Ease of use | Starting price | Key features |
| --- | --- | --- | --- | --- |
| [Housecall Pro](https://www.capterra.com/p/140363/HouseCall-Pro/) — 4.7 out of 5 (2,744 reviews) | Rated 0.1 lower than this product | 4.6 out of 5 | $79.00 /mo | 3 of 4 top category features |
| [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/) — 4.9 out of 5 (84 reviews) | Rated 0.1 higher than this product | 4.9 out of 5 | Not available | 3 of 4 top category features |
| [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/) — 4.2 out of 5 (146 reviews) | Rated 0.6 lower than this product | 4.3 out of 5 | $99.00 /mo | 4 of 4 top category features |
| [360 Payments](https://www.capterra.com/p/177326/360-Payments/) — 4.7 out of 5 (35 reviews) | Rated 0.1 lower than this product | 4.7 out of 5 | Not available | 3 of 4 top category features |
| [Stripe](https://www.capterra.com/p/123889/Stripe/) — 4.6 out of 5 (3,380 reviews) | Rated 0.2 lower than this product | 4.5 out of 5 | Not available | 2 of 4 top category features |
| [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) — 3.7 out of 5 (35 reviews) | Rated 1.1 lower than this product | 3.9 out of 5 | Not available | 4 of 4 top category features |
| [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) — 4.7 out of 5 (2,710 reviews) | Rated 0.1 lower than this product | 4.7 out of 5 | Not available | 4 of 4 top category features |
| [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) — 4.6 out of 5 (2,290 reviews) | Rated 0.2 lower than this product | 4.6 out of 5 | $0.01 | 4 of 4 top category features |
| [Shopify POS](https://www.capterra.com/p/205337/Shopify-POS/) — 4.6 out of 5 (248 reviews) | Rated 0.2 lower than this product | 4.6 out of 5 | $5.00 /mo | 4 of 4 top category features |
| [QuickBooks Money](https://www.capterra.com/p/170065/QuickBooks-Money/) — 4.4 out of 5 (103 reviews) | Rated 0.4 lower than this product | 4.5 out of 5 | Not available | 3 of 4 top category features |

---

## Top Free alternatives to Credit Card Terminal

The best free alternatives to Credit Card Terminal are Housecall Pro, Cheddar Up, and Helcim — all three offer a free plan alongside paid tiers.

### [Housecall Pro](https://www.capterra.com/p/140363/HouseCall-Pro/) — 4.7 out of 5 (2,744 reviews)
- Free options: Free trial
- Starting price: $79.00 /mo

### [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/) — 4.9 out of 5 (84 reviews)
- Free options: Free version
- Starting price: Not available

### [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) — 3.7 out of 5 (35 reviews)
- Free options: Free version
- Starting price: Not available

---

## Top alternatives for SMBs

Among reviewers from companies with 1-200 employees, the highest-rated Credit Card Terminal alternatives are Cheddar Up (4.9), 360 Payments (4.7), and PayPal Point of Sale (4.6).

### [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/)
- 58 SMB reviewers say
- Overall rating: 4.9 out of 5 across 58 SMB reviews
- Ease of use: 4.9 out of 5 across 58 SMB reviews

> "I don't foresee any issues though." — Eva D., President (August 7, 2025)

### [360 Payments](https://www.capterra.com/p/177326/360-Payments/)
- 29 SMB reviewers say
- Overall rating: 4.7 out of 5 across 29 SMB reviews
- Ease of use: 4.7 out of 5 across 29 SMB reviews

> "Ready to go & easy to use software that really hits the nail on the head with practicality and transparency." — Sarah P., Owner (April 30, 2025)

### [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/)
- 1,094 SMB reviewers say
- Overall rating: 4.6 out of 5 across 1,094 SMB reviews
- Ease of use: 4.6 out of 5 across 1,093 SMB reviews

> "Extreme expensive fees and customer service level is not good." — Daniel R., Manager (January 21, 2025)

---