innerfence.co

What It Is

Inner Fence’s Credit Card Terminal is a credit card acceptance app for iPhone, iPad, Android, Mac, Windows, and Windows Phone. It works with card readers, and can also process in-person payments via Stripe or an existing merchant account/payment gateway. It is closer to a lightweight mobile POS than a full payment institution back office.

Core Capabilities

For payment methods, the documentation explicitly supports Visa, MasterCard, Discover, American Express, Diners Club, and JCB. In the Stripe setup, it also mentions EMV chip cards, contactless payments, and Apple Pay. Platform compatibility is one of its strengths: one account can be used across multiple devices, with features such as transaction history, refunds, maps, signatures, tips, sales tax, email/PDF receipts, and charts. Gateway support is fairly broad, including Authorize.Net, Braintree, PayPal Payments Pro, Stripe, First Data, NMI, and others. Its developer API allows third-party apps to call Credit Card Terminal, pass in the amount, invoice number, and customer information, and receive transaction results plus a masked card number after payment. This helps reduce the compliance risk of the merchant’s own app handling card data directly.

Pricing and Settlement

The Stripe plan costs $79/month when billed annually or $99/month when billed monthly, including unlimited terminals and 1 free card reader. Other plans are Individual, Professional, and Business, priced at $9/terminal/month + 1.9% per transaction, $79/month + 0.9% per transaction, and $299/month with no per-transaction fee, respectively. It states that there are no setup fees, annual fees, minimum processing fees, PCI compliance fees, etc.; chargebacks cost $15. Funds are deposited on a 2-day rolling basis, though initial deposits for new accounts may take up to 7 days.

Pros, Cons, and Best Fit

Its advantages are cross-platform support, compatibility with existing gateways, features tailored to in-person payments, U.S.-based customer support, and a 30-day trial. Limitations include coverage primarily aimed at the United States and Canada, while details on licensing, PCI certification, and deeper risk-control capabilities are not disclosed. Low-volume merchants may also find the monthly fee relatively high. It is suitable for field services, trade shows and markets, mobile sales, small and micro businesses, and teams that already have a merchant account but need a mobile terminal.

China Access and Alternatives

The main content does not provide information on mainland China network access, account registration, or settlement to local bank cards, so china_access can only be assessed as unknown. For merchants or consumers in China, it is important to verify cross-border acquiring, supported currencies, compliance, and access stability. Comparable alternatives include Square, Stripe Terminal, PayPal Zettle, SumUp, Clover, and Shopify POS.