The Best Credit Card Reader Writers of 2022

If you own or work in a small business, you know the benefits of modern technology. The advances in technology have certainly made the lives of business owners all over the world easier, and perhaps nothing has changed the landscape more than the introduction of credit cards. With the advent of the small plastic rectangles, businesses and shops have been able to reach new customer bases previously unavailable to them.

Each of these offers a great way to accept credit card payments and work with integrated software to scan whatever you need. This article will review a few of the top options and analyze their features and benefits.

Who Should Get This?

You need a credit card reader writer if you run any kind of business, large or small. It is an essential item for any storefront or business. The software, along with the accompanying hardware device, allows you to accept credit card payments rapidly, reliably, and effectively.

The reader devices are also extremely portable, which makes them easy to use. Consequently, they are excellent options for anyone with a side hustle. If you only deal with digital goods and do not need a storefront, you can probably get by without a reader writer for credit cards. However, I still recommend one in case.

What to Look for Before Buying a Credit Card Reader Writers


The portability of credit card reader writers is one of the greatest advantages of using them for your business. Whether you run a small coffee shop or sell crafts at a farmer’s market, you need a way to accept payment by credit card. These devices and the software that works with them, allows for easy transactions that will keep your customers happy and the profits coming in.

In this list, you’ll find a number of options that are quite portable. However, within the category of portability, there are several different levels of portability. If you are moving your business, you might want a portable option that fits in your pocket, or you might want a more substantial option if you have a permanent storefront. Be sure to double check the size prior to purchasing.


As another factor to consider when purchasing credit card reader writer software, its compatibility with certain common programs and credit cards must be taken into account. In order to make sure that it works with your existing system, you will need to purchase other equipment to make everything work. Make sure the option you select is compatible with your operating system if your business is based on Windows or macOS.

Integrated Apps

As part of their software, some of the options listed below are only able to work with integrated apps. Consequently, you will only be able to use the reader through this particular application, and the payments will be transferred from there to your bank account. It is useful to know if you have a favorite platform. It also means that you must choose one app over another when you begin.

Chip Reader/Contactless Payments

Technology is progressing, and traditional credit card readers and writers are becoming less and less common as a result. As a result, it is more likely that you will require an option that can read magnetic chips, as well as the ability to process contactless payments. As far as software is concerned, that does not change much, but ensure that the option you choose is capable of reading and scanning modern credit cards.

Best Credit Card Reader Writers: Our Picks 2022

1. Square Reader

Square Reader

The Square Reader takes the top spot on this list because it is extremely easy to use and extremely reliable. The reader’s hardware is also portable. It accepts a wide range of payment methods, including EMV chip cards, Apple Pay, and Android Pay. The reader even includes a magstripe reader for older cards.


  • Affordable
  • Easy and effective
  • Accepts multiple types of payments
  • Comes with magstripe reader
  • Portable


  • Only works with Square App
  • Square takes a percentage of payments

Buy on Amazon

2. PayPal PCSUSDCRT Chip and Swipe Reader

PayPal PCSUSDCRT Chip and Swipe Reader

A trusted name in the world of online payments, PayPal is an excellent choice for those who need to write and read credit cards, and the PCSUSDCRT Chip and Swipe Reader is one of the best. It works only through the PayPal app, but the device provides a reliable way to accept credit card payments regardless of your business or location. When accepting payments, you can attach it to your phone or tablet with a clip since it is portable and portable.


  • Easy to use
  • PayPal provides an excellent digital payment platform
  • Highly portable
  • Comes with clip to attach to phone or tablet for easy payments


  • Only works with PayPal app
  • 2.7 percent charge per transaction
  • Battery life could be stronger

Buy on Amazon

3. Deftun Bluetooth MSR-X6 (BT)

Deftun Bluetooth MSR-X6 (BT)

The Deftun Bluetooth MSR-X6 (BT) is a more traditional reader writer option that is still used by business owners all over the world. A Bluetooth and USB interface makes it compatible with a wide variety of devices and operating systems. Through the magnetic strip on the credit card, you will be able to read, write, erase, and compare credit cards easily, and it is extremely convenient to use.


  • More traditional stand alone reader
  • Bluetooth functionality
  • Wide compatibility
  • Easy to use and set up


  • Won’t accept chips or contactless payments
  • The integrated app adds additional cost

Buy on Amazon

Useful Tips and Resources

The process of setting up credit card reader writer software is usually fairly simple, but can become complicated if you have never attempted it before or if you are new to the world of business.

If you would like to learn more about Square and PayPal, check out these links. If you would like to learn more about the other option in this guide, please refer to the instructions that come with the unit.

Final Thoughts

The ability to accept credit card payments is a necessity for any modern business. Without it, you will lose out on additional income and will create a poor user experience.

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