Let's Find The Right Credit Card Processing Service For You

Pros / You can set up your account in as little as seven minutes.

Cons / Cartwheel Register doesn't offer the customer service features, such as a dedicated account rep and 24/7 phone service, that other mobile processors offer.

 Verdict / If you want to accept credit cards using your iPhone and no additional hardware, Cartwheel Register may be a good option for your small business.

Cartwheel Register is a relatively new mobile credit card processor and is a brand of Tantrum Street. Tantrum Street is based in Dallas, Texas, and is the parent company of other eCommerce brands, such as Skip Wallet. Cartwheel Register charges no fees and has low processing costs. This mobile card processor is innovative in that it doesn't require you to use an iPhone card reader to complete a transaction. Instead, you use your iPhone or iPad's camera to capture card information. For these reasons, Cartwheel Register receives the Top Ten Reviews Silver Award.

Because it uses different technology and transactions are processed as online transactions rather than card-present transactions, you don't need to worry about EMV regulations and liability for counterfeit fraud.

Cartwheel Register's mobile processing app is available on the App Store for iPhones and iPads at no cost. In addition to using it to accept credit and debit card payments, you can also use it to accept Skip Wallet payments and record cash transactions.

The app includes preset tip buttons that make it easy for your customers to add a gratuity to their bill, and they can sign their names directly on the screen of your device. You can then email your customers their receipts. If you want a more traditional countertop checkout station, you can connect third-party accessories such as wireless cash drawers and printers.

With Cartwheel Register, you can manage your inventory and scan in bar codes using your device's camera. During checkout, you can create one-time inventory items and add discounts to single items or to the entire purchase.

A bonus of using Cartwheel Register is that, along with accepting credit cards on iPhones, you have access to analytical data that can help you improve your business by giving you insights into purchasing trends and other customer behaviors. You can see your sales numbers for the day, week and month, and you can also view your entire transaction history. It has an integrated loyalty program that helps you get to know your customers, and you can use it to advertise your promotions to nearby Skip Wallet users.

Cartwheel Register is also working on a feature that lets you sync your data with QuickBooks Online, which is useful if you use this popular accounting program to keep track of your books.

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Fees & Pricing

This Apple mobile processor offers a simple pricing plan with a flat rate of 2.60 percent plus a $0.24 per-transaction fee for all transactions, regardless of the type of card that is used. The per-transaction fee is higher than some of the other processors we reviewed; however, its low rates can be cost effective, especially if your business tends to have larger ticket sizes.

Processing costs aside, Cartwheel Register doesn't charge any fees. You're not obligated to pay an annual PCI-compliance fee, to meet a monthly processing minimum or to pay a monthly fee.

Cartwheel Register is transparent with key information as it posts details on its website about pricing, fees and service terms. The agents we spoke with provided us with information that was consistent with what was listed on the website.

Setup & Service

This mobile processing company for iPhone users scored highly on our ease of application evaluation. Your account can be approved quickly, and you can be up and running the same day you apply. Depending on the type of business you're running, you may need to enter your employer identification number or Social Security number so the processor can confirm your identity when you apply.

Cartwheel Register doesn't have a long-term contract requirement, which is an important thing to consider when you're looking for a mobile credit card processor.

Customer Support

Cartwheel Register's customer support wasn't its strongest feature. Although it offers phone support and you can contact the company by email, like most mobile processing companies, it doesn't provide you with a dedicated account rep, and phone support isn't available 24/7. However, the reps that responded to our emails were helpful and knowledgeable.


Cartwheel Register's lack of fees, low processing costs and inventive technology that doesn't require the use of an iPhone credit card reader make it a mobile credit card processor well worth considering.

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Specifications and Benchmarks

Quick Picks

Noteworthy Feature
No hardware required
Best For
Larger tickets
Mobile EMV Card Reader
No hardware required

Setup & Service Terms

Ease of Application
Quick Setup Time
Quickly Clears the Account

Flat-Rate Pricing

Swiped Rate
Keyed in Rate
Per Transaction


Transparency & Consistency


Monthly Fee
Monthly Minimum
PCI Compliance
PCI Non-Compliance
Chargeback Fee

Tiered Pricing

Swiped Debit Card
Swiped Credit Card
Per Transaction

Customer Support

Customer Service
Dedicated Account Rep
Phone 24/7