Best Credit Card Reader Writer Software

Credit Card Reader Writer Software

If you own or work in a small business, you know the benefits of modern technology. New advancements have definitely made life easier for owners all over the world, and perhaps nothing changed the landscape more than credit cards. The small plastic rectangles have allowed shops and companies to access new customer bases that they previously would not have been able to.

There are a number of credit card reader/writer software options out there. This article will break down some of the best options and analyze their traits. Each one gives you a great way to accept credit card payments and work with integrated software to scan whatever you need.

Quick Summary

  • The Square Reader is one of the best and most popular options for people who take credit card payments. It’s small, compact, and allows for both credit card chips and contactless payments. Simple, but very effective.
  • Another recommended option is the PayPal PCSUSDCRT Chip and Swipe Reader. It only works with the PayPal app, but the software works extremely well with the reader and writer.
  • The Deftun Bluetooth MSR-X6 (BT) Magnetic Stripe Card Reader Writer Encoder is another good option that comes with the benefits of a Bluetooth connection. It’s compatible with both Windows and macOS, making it quite versatile as well.

Who Should Get This?

If you run any sort of business, large or small, you need a way to easily accept credit card payments. A credit card reader writer is essential for just about any storefront or business. The software and the accompanying hardware device gives you the ability to quickly accept credit card payments reliably and effectively.

The reader devices are also extremely portable, which makes them easy to use. As such, they’re great options for anyone with a side hustle. If you only deal with digital goods and have no real need for a storefront, you can probably get away without having a reader writer for credit cards. However, I would still recommend one just in case.

Best Credit Card Reader Writer Software: What to Consider?


One of the best aspects of utilizing credit card reader writer software into your business is the portability. It does not matter if you run a little coffee shop or sell crafts at a farmer’s market, you need a way to accept credit card payments. These devices and the software that works with them, allows for easy transactions that will keep your customers happy and the profits coming in.

All of the options you’ll find on this list are quite portable. However, within portability, there are several different levels to consider as well. You might want an option that can literally fit in your pocket if your business moves around, or you might want something that’s a bit bigger if you have a permanent storefront. Just be sure to check the size before purchasing.


Another factor to consider when purchasing credit card reader writer software is its compatibility with certain common software and credit cards. You want to make sure that it will work with the system you have in place or else you will need to get other equipment to make everything come together. If your business is Windows or macOS based, make sure the option you get is compatible with that operating system.

Integrated Apps

A few of the options listed below are set up to only work with integrated apps as part of their software. That means you’ll only be able to use the reader through that particular app and then the payments will be transferred to your bank or business accounts from there. That’s good to know if you have a favorite platform. It also means you’ll need to choose one app over another when first getting started.

Chip Reader/Contactless Payments

Traditional credit card readers and writers work by reading a magnetic strip on the card, but that is becoming less and less common as technology progresses. It’s more likely that you’ll need an option that can read magnetic chips, and you might even want the ability to work with contactless payments as well. That doesn’t change much on the software end, but make sure the option you choose has the ability to scan and read modern credit cards.

Best Credit Card Reader Writer Software: Our Picks

1. Square Reader

At the top of the list here is the Square Reader. It kicks things off both because it’s easy to use and it’s extremely reliable. The hardware is portable as well. The reader accepts various forms of payment, including EMV chip cards, Apple Pay, and Android Pay. It even comes with a magstripe reader to accept 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

>> Check Price on Amazon <<

2. PayPal PCSUSDCRT Chip and Swipe Reader

PayPal is a trusted brand in the world of online payments, and the PCSUSDCRT Chip and Swipe Reader is a great option for those that need to write and read credit cards. It only works through the PayPal app, but the device provides a reliable way to accept credit card payments regardless of your business or location. It’s portable and comes with a clip that easily attaches to your phone or tablet when accepting payments.


  • 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

>> Check Price on Amazon <<

3. Deftun Bluetooth MSR-X6 (BT)

The Deftun Bluetooth MSR-X6 (BT) is a more traditional reader writer option that’s still used by business owners all over the world. It features a Bluetooth and USB interface that’s compatible with a variety of different operating systems and devices. This option will give you the ability to read, write, erase, and compare credit cards with ease through the magnetic strip. It’s easy to use as well.


  • 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

>> Check Price on Amazon <<

Useful Tips and Resources

Getting setup with credit card reader writer software is typically pretty straightforward, but it can become a bit complicated if you’ve never attempted it before or if you’re new to running a business.

Check out these links to learn how to get started with Square and PayPal. For the other option in this guide, you’ll need to follow the instructions that come with the unit.

Final Thoughts

The ability to accept credit card payments is a must for any modern business. Without it, you’ll certainly lose out on additional income and create a worse user experience. By using the above models you’ll be able to stay relevant no matter what industry you’re in.

Have you ever used a credit card reader writer software option other than the ones listed here? Let us know in the comments below!

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