MSR90 USB Swipe Magnetic Credit Card Reader
4.2Editor score
USB plug and play interface
Reads up to three tracks
Compatible with Windows and Mac
In this guide
Choosing the right credit card swiper is essential for modern businesses that need to accept payments quickly and securely. Whether you run a retail store, an online shop, or a mobile service, having a reliable device ensures smooth transactions and happy customers.
We evaluated ten top-rated products based on performance, compatibility, security features, and user feedback. Our analysis covers everything from basic magnetic stripe readers to advanced mobile terminals that support chip and contactless payments for versatile use.
Each pick highlights key strengths and ideal use cases to help you decide which device fits your specific needs. Keep in mind that product availability and pricing can change, so always check the latest details before making your final purchase decision.
Top 3 Picks for Best Credit Card Swipers
Square Terminal
4.5Editor score
Accepts all major payment types
Built-in battery for mobility
Fast chip card processing
PAX S300 v2
3.9Editor score
High security encryption standards
Large color touch screen
Supports contactless and chip
Top 10 Best Credit Card Swipers in 2026 Compared
The following table provides a side-by-side comparison of all ten products to help you quickly identify the best option for your business needs based on key specifications and capabilities.
ProductsSpecificationsEditor scorePrice
Best Budget
MSR90 USB Swipe
USB emulation keyboard interface
Reads three tracks of data
LED indicator for status
Works with Windows and Mac
4.2Editor score
Editor's Choice
USB Magnetic Stripe Reader
Keyboard emulation interface
Reads high and low coercivity
LED indicator for swipes
Compatible with POS systems
4.2Editor score
Editor's Choice
Square Terminal
Accepts all major cards
Built-in rechargeable battery
Prints receipts instantly
Next day deposit available
4.5Editor score
ETEKJOY USB Reader
USB interface no drivers
Reads three tracks
Compact size with screw holes
Fifteen point five inch cord
4.3Editor score
Square Reader for magstripe
USB-C connectivity
Works with Apple devices
Free POS app included
Next day deposit option
4.6Editor score
2xhome POSMATE Set
Set of two readers
Three tracks applicable
Fifteen inch cable length
ISO and ANSI compatible
4.1Editor score
SumUp Plus Card Reader
Bluetooth connectivity
Accepts NFC RFID cards
Free SumUp app use
Low transaction fee rate
3.8Editor score
PAX S300 v2
Integrated retail solution
PCI PTS security design
Large color touch screen
USB and LAN options
3.9Editor score
Clover Go Contactless
EMV chip ready
No merchant account required
Works with iOS and Android
Limited quantities available
4.0Editor score
Generic Dejavoo QD2
Chip and NFC compatible
Color LCD with backlight
Secure payment anywhere
Requires new merchant account
1. MSR90 USB Swipe – Best Budget Card Reader
MSR90 USB Swipe
USB plug and play
Three track reading
LED status indicator
Bi-directional swipe
The MSR90 USB Swipe is a reliable magnetic card reader designed for businesses needing simple and efficient transaction processing. With a solid rating, it stands out for its plug-and-play functionality that eliminates the need for complex software installations or drivers.
Pros
- No drivers required
- Easy configuration software
- Durable magnetic reader
- Affordable price point
- Works on multiple OS
Cons
- Basic magnetic only
- No chip support
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Its ability to read up to three tracks of information ensures compatibility with various card formats including ISO7811 and AAMVA. The bi-directional swipe feature enhances reliability even with worn or scratched cards, making it a practical choice for high-volume environments.
While it lacks support for modern chip cards, its durability and ease of use make it a strong contender for those prioritizing budget and straightforward operation. The LED indicator provides clear visual feedback during connections and swipes, reducing user error.
This device is ideal for small businesses or organizations that primarily handle magnetic stripe cards and need a cost-effective solution. Its compatibility with Windows and Mac systems adds versatility, ensuring it fits into most existing setups without hassle.
Plug and Play Convenience
Simply connect the USB device to your computer and start reading cards immediately without installing any additional software or drivers.
Robust Build Quality
Designed to handle over a million card swipes, this reader offers long-lasting performance even in demanding daily business operations.
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2. USB Magnetic Stripe Reader – Simple POS Solution
USB Magnetic Stripe Reader
USB interface type
Reads three tracks
LED light indicator
Multi system support
This USB magnetic stripe reader offers a straightforward solution for businesses requiring basic card reading capabilities. It is designed to read data from all three tracks on magnetic cards, ensuring compatibility with most standard formats used in various industries.
Pros
- No software installation
- Works with word processors
- High and low coercivity
- Compact design
- Affordable option
Cons
- Magnetic stripe only
- Basic functionality
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Its keyboard emulation feature allows seamless integration with applications like Excel, Word, and POS systems without the need for specialized drivers. The LED indicator provides clear status updates, making it easy to confirm when a card has been successfully read.
While it does not support chip or contactless payments, its reliability and ease of use make it a practical choice for smaller setups. The ability to work on Windows, Mac, and other USB capable systems adds to its versatility.
Ideal for loyalty programs, access control, or basic transaction needs, this reader delivers consistent performance at an affordable price point. It is a solid option for those who need a dependable magnetic stripe reader without extra complexities.
Universal Compatibility
This reader works with a wide range of systems including Windows and Mac ensuring it fits into existing tech setups easily.
Visual Feedback System
The LED indicator light changes state during connection and swiping to provide clear confirmation of device status.
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3. Square Terminal – Best All-in-One Mobile POS
Square Terminal
Accepts all payments
Built-in battery
Receipt printing
Fast chip processing
The Square Terminal is a comprehensive mobile POS solution designed to streamline sales and payment acceptance for businesses of all sizes. With a high user rating, it stands out for its ability to accept all major credit and debit cards while offering competitive rates.
Pros
- All payment types
- No long-term contracts
- Next day deposits
- Cordless mobility
- Easy setup
Cons
- Higher cost
- Battery dependence
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Its built-in battery allows for cordless operation, making it perfect for mobile vendors or businesses that need flexibility within their physical location. The device processes chip cards quickly and prints receipts instantly, enhancing the overall customer experience.
Despite the higher price point compared to basic readers, its all-in-one functionality eliminates the need for separate hardware. The lack of long-term contracts and hidden fees adds financial flexibility, allowing businesses to manage costs more effectively.
Ideal for retailers, restaurants, or service providers who want a reliable and portable payment solution, this terminal delivers consistent performance. It is a strong investment for those seeking a modern and efficient way to handle transactions anywhere.
Seamless Transaction Processing
Process chip cards in just two seconds to keep lines moving and customers happy during peak business hours.
Fast Payment Access
Get your money deposited as soon as the next business day ensuring steady cash flow for your operations.
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4. ETEKJOY USB Reader – Compact Magnetic Reader
ETEKJOY USB Reader
USB interface
Three track read
Compact size
LED indicator
The ETEKJOY USB Reader is a compact and efficient magnetic stripe card reader designed for point of sale applications. It supports reading data from all three tracks on magnetic cards ensuring compatibility with various formats including high and low coercivity cards.
Pros
- No driver needed
- Screw mounting holes
- Fifteen inch cord
- Works with POS
- Affordable price
Cons
- Magnetic only
- Basic features
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Its keyboard emulation interface allows it to work seamlessly with text editors, spreadsheets, and POS systems without additional software. The compact design includes screw holes for secure mounting, making it suitable for fixed setups in retail or office environments.
While it lacks support for chip or contactless payments, its reliability and ease of integration make it a practical choice for basic transactions. The LED indicator provides clear status updates, reducing errors during card swiping.
Ideal for businesses that need a straightforward and affordable magnetic reader, this device delivers consistent performance. Its compatibility with Windows and Mac systems ensures it fits into most existing tech setups without hassle.
Secure Mounting Options
Two screw holes on the bottom allow for stable installation on counters or desks to prevent accidental displacement.
Long Cable Reach
The fifteen point five inch USB cord provides enough flexibility to position the reader conveniently near the checkout area.
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5. Square Reader for magstripe – Simple USB-C Option
Square Reader for magstripe
USB-C connector
Apple compatible
Free POS app
Next day deposit
The Square Reader for magstripe offers a simple and affordable way to accept payments using USB-C connectivity. It is designed to work with the free Square Point of Sale app allowing users to track sales, manage inventory, and send digital receipts effortlessly.
Pros
- No long-term commitments
- Easy setup process
- Free software included
- Track sales easily
- Affordable price
Cons
- Magstripe only
- Limited compatibility
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Its compatibility with Apple devices featuring a Lightning connector makes it a convenient choice for businesses already invested in the Apple ecosystem. The setup process is quick and requires no long-term commitments ensuring flexibility for small businesses.
While it only supports magnetic stripe cards, its ease of use and integration with Square's ecosystem make it a strong option for those starting out. The ability to receive deposits by the next business day helps maintain healthy cash flow.
Ideal for mobile vendors or small retailers who need a reliable and cost-effective payment solution, this reader delivers consistent performance. It is a practical choice for those who value simplicity and integration over advanced features.
Free POS App Integration
Download the free Square Point of Sale app to access powerful tools for managing your business without extra costs.
Quick Setup Experience
Set up quickly by creating an account and downloading the app to start accepting payments anywhere in minutes.
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6. 2xhome POSMATE Set – Dual Reader Pack
2xhome POSMATE Set
Set of two
Three tracks
Fifteen inch cable
ISO compatible
This set of two POSMATE USB readers provides a cost-effective solution for businesses needing multiple magnetic card reading stations. Each reader supports three tracks of data ensuring compatibility with various card formats including credit cards and gift cards.
Pros
- Multiple reader value
- Standard format support
- Long cable length
- Compact design
- POS compatible
Cons
- No encryption
- Basic hardware
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The fifteen-foot cable length offers flexibility in positioning the readers within your checkout area ensuring convenience for cashiers. Their compact design and standard ISO compatibility make them suitable for a wide range of applications from retail to access control.
While they do not support encrypted transactions, they are reliable for basic data capture needs. The set format allows for scalability without significant investment making it an attractive option for growing businesses.
Ideal for small retail stores or offices requiring multiple points of entry for card data, this set delivers consistent performance. It is a practical choice for those who need reliable magnetic stripe readers at an affordable price.
Value Pack Convenience
Purchasing a set of two readers allows you to equip multiple checkout counters without buying separate units individually.
Long Cable Reach
The fifteen inch cable provides ample length to connect the reader to your computer or POS system from a distance.
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7. SumUp Plus Card Reader – Mobile Bluetooth Option
SumUp Plus Card Reader
Bluetooth connectivity
NFC support
Free app
Low fees
The SumUp Plus Card Reader is a mobile payment solution that connects via Bluetooth to smartphones and tablets. It accepts all major credit and debit cards and supports contactless NFC payments making it versatile for various transaction types.
Pros
- No contracts
- Accepts major cards
- Mobile transactions
- Low processing fee
- Easy setup
Cons
- Lower rating
- App dependent
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Using the free SumUp app allows users to start accepting transactions immediately without long-term contracts or hidden fees. This flexibility is particularly beneficial for small businesses or freelancers who need a portable way to collect payments on the go.
While the rating is slightly lower than some competitors, its ease of use and competitive transaction fees make it a strong contender for mobile vendors. The simplicity of the setup process ensures anyone can start taking payments quickly.
Ideal for service providers or retail businesses that need mobility, this reader delivers reliable performance for in-person transactions. It is a practical choice for those who prioritize flexibility and cost-effectiveness in their payment processing.
Flexible Payment Acceptance
Accept payments anywhere and anytime with the mobile card reader that connects seamlessly to your smartphone or tablet.
Transparent Fee Structure
Pay a single low rate with no hidden fees ensuring you know exactly what you are paying for each transaction.
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8. PAX S300 v2 – High-Security Payment Terminal
PAX S300 v2
Integrated solution
PCI PTS security
Touch screen
Contactless support
The PAX S300 v2 is an integrated retail payment solution designed for multilane merchants requiring high levels of transactional security. It combines contactless NFC e-signature, magnetic stripe, and chip PIN capabilities into a single stylish device.
Pros
- High security standards
- Large color display
- Sleek design
- Multiple connectivity
- EMV chip ready
Cons
- Higher cost
- Complex setup
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With state-of-the-art security including PCI PTS 3.x and SRED it protects and encrypts all transaction information ensuring compliance with industry standards. The large color touch screen and loudspeaker enhance user experience making transactions smoother and more engaging.
While the cost is higher compared to basic readers, the advanced security features and multimedia performance justify the investment for larger businesses. Its USB and LAN connectivity options provide flexibility for various network configurations.
Ideal for merchants who need a reliable and secure payment device, this terminal offers everything required for modern transactions. It is a premium choice for those prioritizing security and functionality in their payment infrastructure.
Advanced Encryption Standards
PCI PTS 3.x and SRED protect and encrypt all transaction information to ensure high security for every payment.
Enhanced User Interface
A large color touch screen and loudspeaker provide clear guidance and feedback during every transaction process.
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9. Clover Go Contactless – EMV Ready Option
Clover Go Contactless
EMV chip ready
Works iOS Android
No merchant account
Contactless support
The Clover Go Contactless Reader is a versatile payment device designed to accept EMV chip and contactless payments without requiring a dedicated merchant account. It works seamlessly with both iOS and Android devices making it accessible for a wide range of businesses.
Pros
- No merchant account needed
- EMV compliance
- iOS Android support
- Contactless payments
- Easy integration
Cons
- Limited availability
- End of life
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Its EMV compliance ensures that transactions are processed securely reducing the risk of fraud and increasing trust with customers. The ability to use it without a merchant account simplifies the setup process allowing businesses to start accepting payments quickly.
While quantities are limited and the version may be end of life, it remains a reliable option for those seeking a straightforward payment solution. Its compatibility with modern devices ensures it can integrate easily into existing workflows.
Ideal for small businesses or startups looking to accept secure payments without extensive setup, this reader offers convenience and reliability. It is a practical choice for those who want EMV capabilities without the complexity of traditional accounts.
Universal Device Support
Works with both iOS and Android devices ensuring compatibility regardless of the smartphone or tablet you use.
Secure Chip Transactions
EMV chip readiness ensures that card data is processed securely reducing fraud risk and enhancing customer trust.
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10. Generic Dejavoo QD2 – Mobile Wireless Terminal
Generic Dejavoo QD2
Chip NFC compatible
Color LCD display
Secure anywhere
Requires account
The Generic Dejavoo QD2 Mobile Wireless Terminal is designed for secure payment processing anywhere and anytime. It supports chip cards, EMV, and NFC ensuring compatibility with modern payment methods while providing a user-friendly color LCD display with backlight.
Pros
- Wireless processing
- Chip card support
- Backlight display
- Includes power supply
- Secure transactions
Cons
- Requires new account
- No rating data
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While it requires a new merchant account with SwyftPAY prior to shipping, this setup ensures a streamlined experience for businesses transitioning to a new payment provider. The terminal includes a power supply and offers reliable wireless capabilities for mobile operations.
Its secure transaction features make it suitable for businesses prioritizing data protection and compliance. The memory and processing capabilities ensure smooth operation even during high-volume transaction periods.
Ideal for businesses needing a portable and secure payment solution, this terminal offers the flexibility to accept payments anywhere. It is a practical choice for those willing to set up a new merchant account for a reliable wireless terminal.
Wireless Transaction Freedom
Process secure payments anywhere and anytime with the mobile wireless terminal designed for maximum flexibility.
Secure Payment Infrastructure
Chip card and NFC compatibility ensures secure data handling reducing fraud risk and enhancing transaction safety.
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Buying Guide – How to Choose the Best Credit Card Swipers
Selecting the right credit card swiper depends on your business needs, budget, and the types of payments you accept. This guide outlines key factors to consider to ensure you choose a device that offers reliability, security, and ease of use.
Payment Type Support
Determine whether you need a reader that supports only magnetic stripes or one that handles chip and contactless payments. Modern businesses often benefit from devices that accept all major payment types to ensure they can serve all customers.
Look for devices that support EMV chips and NFC to future-proof your payment infrastructure and enhance security.
Connectivity Options
Check if the reader connects via USB, Bluetooth, or cellular. USB readers are simple and reliable for fixed locations while Bluetooth or cellular options offer mobility for services that operate outside a physical store.
Choose a connectivity method that aligns with your hardware setup and operational needs.
Compatibility with Systems
Ensure the reader is compatible with your existing point of sale software or operating system. Some readers work seamlessly with specific platforms like Square or Clover while others are more generic.
Verify compatibility to avoid integration issues and ensure smooth transactions.
Security and Encryption
Security is paramount when handling customer payment data. Look for readers that offer encryption and comply with PCI standards to protect against data breaches and fraud.
Prioritize devices with advanced security features to safeguard your business and customer information.
Ease of Use
A user-friendly interface can significantly improve transaction speed and reduce errors. Consider readers that are plug-and-play and do not require complex software installations or drivers.
Choose devices with intuitive controls and clear feedback indicators for a better experience.
Durability and Build
If your business operates in high-volume or mobile environments, durability is key. Look for devices designed to withstand frequent use and potential wear and tear.
Invest in a reader with a robust build to ensure longevity and consistent performance.
Cost and Fees
Consider not just the upfront cost of the device but also any ongoing transaction fees or subscription costs. Some processors offer lower rates for specific devices while others have hidden fees.
Analyze the total cost of ownership to find a device that fits your budget.
Support and Warranty
Reliable customer support and warranty coverage can save time and money if issues arise. Check what kind of support is offered and how long the warranty lasts.
Choose a product from a reputable brand with good customer service reviews.
How to Use and Care for Your Credit Card Swipers
To ensure optimal performance always connect the reader securely to your computer or mobile device. For USB readers, simply plug them into an available port and for Bluetooth devices pair them with your phone or tablet following the manufacturer's instructions.
When swiping a card, do it smoothly and at a consistent speed to ensure the magnetic stripe is read correctly. Most devices have LED indicators that will signal when a card has been successfully processed so wait for that confirmation.
Regularly clean the magnetic stripe slot with a soft dry cloth to prevent dust and debris from interfering with readings. Avoid exposing the device to extreme temperatures or moisture and store it in a safe dry place when not in use.
Frequently Asked Questions
What is a credit card swiper?
A credit card swiper is a device that reads data from magnetic stripe cards to process payments. It captures card information and transmits it securely to payment processors for authorization and transaction completion.
Do credit card swipers work with all cards?
Most modern swipers support major credit and debit cards including those with chips and contactless features. However basic magnetic-only readers may not work with chip or NFC cards so check device specifications before buying.
Are credit card swipers secure?
Security depends on the device and encryption standards it uses. Look for swipers that comply with PCI standards and offer encryption to protect sensitive card data during transactions.
Can I use a credit card swiper with a smartphone?
Yes many modern credit card swipers connect via Bluetooth or USB-C and work with smartphones. These mobile readers often require a specific app to process transactions securely.
How much do credit card swipers cost?
Prices vary based on features and connectivity. Basic magnetic readers are typically affordable while advanced terminals with chip and contactless support cost more due to added functionality.
Do I need a merchant account to use a card swiper?
Some devices require a merchant account with a payment processor while others bundle this service into their system. Check the device details to see if an account setup is needed.
How do I clean a credit card swiper?
Use a soft dry cloth to gently wipe the magnetic stripe slot. Avoid using liquids or harsh chemicals that could damage the internal components of the device.
What are the benefits of a mobile card reader?
Mobile readers allow you to accept payments anywhere enhancing flexibility for service-based businesses or pop-up shops. They often integrate with mobile apps to streamline sales and reporting.
Final Thoughts on Choosing the Best Credit Card Swipers
Choosing the right credit card swiper depends on your specific business needs and budget. From budget-friendly magnetic readers to advanced mobile terminals there are options available for every type of operation.
Prioritize security compatibility and ease of use when making your decision. A reliable reader ensures smooth transactions and enhances customer satisfaction which is crucial for business growth.
Remember to check current prices and availability before purchasing as these can change over time. Investing in the right device now can save you time and money in the long run.