Compare · 2026

    Simple vs Jim: The 2026 Comparison

    The rate on the sale is not the rate you pay.

    Jim advertises 1.99% per tap, and it pays you onto its own prepaid card. Moving that money to your bank costs another 1.99% + $0.99 per transfer, so a business that banks its sales pays close to 4% on every tap. Simple charges 2.19% on every transaction and deposits to your bank the next day. Simple's 2.19% is the lowest processing rate of any POS that deposits to your bank.

    Get started with SimpleCalculate your savings ↓
    No contracts, month-to-monthNext-day funding to your bankTap to Pay on iPhone and Android

    Comparison data verified October 2026 from jim.com. Jim is a trademark of its owner, which does not endorse Simple.

    Key facts: Simple vs Jim

    • Jim charges 1.99% per Tap to Pay sale and 4.99% + $0.30 per payment link; Simple charges 2.19% on every transaction, in person and online.
    • Jim deposits sales to the Jim Visa Prepaid Card; moving money to a bank costs 1.99% + $0.99 per transfer with a $15 minimum.
    • At $10,000 in monthly taps and four bank transfers, a business that moves all of its Jim tap sales to a bank pays about 3.98% in total; Simple's 2.19% includes next-day deposits to your bank.
    • Jim is a payments app with no inventory, loyalty, employee scheduling, or multi-location tools; Simple includes inventory and loyalty from $29/month and staff scheduling and time clock from $99/month (Medium plan and up).
    • If you spend your sales on the Jim Card and never bank them, Jim costs less per tap. At $10,000/month in tap-only sales and four bank transfers, Simple costs less including its $29 plan once roughly a quarter of net sales reach a bank; the threshold varies with volume.

    Pricing at a glance

    PricingSimpleJIM
    In-person card rate2.19%1.99% per tap
    Online and invoice rate2.19%4.99% + $0.30
    Tap to Pay on your phoneIncluded, 2.19%1.99%
    Where your money goesYour bank account, next dayJim Visa Prepaid Card, in seconds
    Moving money to your bankIncluded1.99% + $0.99 per transfer, $15 minimum
    Software$29 / $99 / $399 per location (Operations Hub from $99)$0
    HardwareOptional: free Compact Reader, Mobile POS, StationPhone only
    SupportPhone, chat, emailChat and email

    Jim is faster to a card; Simple is cheaper to a bank.

    JIM is a free iPhone and Android app. Tap to Pay has a $1 minimum sale; bank transfers have a $15 minimum.

    Feature by feature

    Small ($29, 5 users) includes Core, Back Office and Customer Engagement. Medium ($99, 10 users) adds Operations Hub; Large ($399) includes unlimited users. All prices are per location.

    Core

    FeatureSimpleJIM
    Point of Sale (sales, returns, exchanges)IncludedBasic: enter an amount, tap
    Invoicing (invoices, estimates, recurring)IncludedPayment links only
    E-commerce with drag-and-drop page builderIncluded: per-location themes, scheduled homepages, built-in SEO toolsAI website builder
    Appointments & online bookingIncludedJim Booking
    Loyalty programIncludedNot available
    Advanced discount engine (BOGO, bundles, smart clearance)IncludedNot available
    Customer segmentation with live rule preview + AI recommendationsIncludedNot available
    Text & email marketingIncludedNot available

    Back Office

    FeatureSimpleJIM
    Inventory: POs, transfers, audits, variants, vendorsIncludedNot available
    Purchase-order returns & inventory roomsIncludedNot available
    Expense management wired into live P&LIncludedNot available
    Reports & analyticsIncludedNot available
    Register with blind close & float accountabilityIncludedNot available
    Store & multi-location managementIncluded on every planNot available
    Transparent payment onboarding (live status + corrections)IncludedNot available
    Integrations hubIncludedNot available

    Operations Hub

    FeatureSimpleJIM
    Employee scheduler & shiftsIncluded (Medium plan and up)Not available
    Time clock with GPS + geofence + PTOIncluded (Medium plan and up)Not available
    Task management (recurring, read-&-sign)Included (Medium plan and up)Not available
    Forms & checklists with approvalsIncluded (Medium plan and up)Not available
    Delivery & dispatch: your drivers, vehicles, map-drawn zonesIncluded (Medium plan and up)Not available
    Service queues (swim lanes)Included (Medium plan and up)Not available
    Branded customer support portal + ticket inboxIncluded (Medium plan and up)Not available
    Help center builderIncluded (Medium plan and up)Not available

    The details that matter

    The cash-out math

    $10,000 in taps costs $199 at Jim. The other $9,801 sits on the Jim Card. Move it to your bank in four transfers and Jim takes another $195.04 plus $3.96 in transfer fees. That is $398 in total, an effective 3.98%. The same $10,000 at Simple costs $219 and lands in your bank the next day. Jim's 1.99% is real, but only for money you spend from the card. This compares payment and transfer fees before Simple's separate $29 monthly Small plan. Four transfers are assumed; changing their count changes the fixed fees.

    The online rate

    Jim's payment links cost 4.99% + $0.30. On a $100 invoice that is $5.29. Simple charges $2.19 on the same invoice, because Simple uses one rate for every transaction. For a service business that bills by link or invoice, that gap is larger than the entire tap savings. The difference on this invoice is $3.10 before any Jim bank transfer fee. A mixed business should compare its actual online share, not just its tap rate. Simple's software subscription remains separate, so include the plan fee when comparing your full monthly budget.

    Savings Calculator

    JIM payment and bank transfer fees, October 2026.

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    Feature comparison

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    $0 on Jim (basic)
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    $0 on Jim (basic)
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    Simple

    Processing only

    $2,628

    per year

    JIM

    Payments + bank transfers

    $5,658

    per year

    Annual processing costs only. Simple software is separate: $29 / $99 / $399 per month per location. Operations Hub starts at Medium ($99, 10 users). JIM software is $0.

    You save on processing

    $3,030

    per year vs JIM, before Simple software

    Processing

    • Every card transaction: 2.19%$219/mo

    Processing

    • Tap fees: 1.99%$159/mo
    • Payment link fees: 4.99% + $0.30$115/mo
    • Moving money to your bank$198/mo
    Start with Simple

    Estimate uses the stated percentage formula and average ticket, not individual transactions. JIM lists a $1 minimum sale for Tap to Pay and a $15 minimum bank transfer; use inputs that meet these minimum amounts. Bank share applies to sales net of payment fees. Profit Booster is excluded.

    Not for sale at any price on Jim

    Inventory · Loyalty · Text and email marketing · Employee scheduling (Medium plan and up) · Time clock (Medium plan and up) · Multi-location · Expense tracking with live P&L · Task management (Medium plan and up) · Forms and checklists (Medium plan and up) · Customer support portal (Medium plan and up)

    Seven tools Jim doesn't make

    • Inventory: Track stock, variants, purchase orders and transfers from Small.
    • Loyalty: Reward repeat visits with points and customer-linked offers from Small.
    • Employee scheduler (Medium plan and up): Publish shifts and coordinate your team in one place.
    • Time clock (Medium plan and up): Record staff hours with GPS and geofence controls.
    • Multi-location management: Manage stores together, with each location priced separately.
    • Expense tracking with live P&L: Connect business spending to a current profit-and-loss view.
    • Task management (Medium plan and up): Assign recurring work and follow completion across locations.

    The bottom line

    Jim fits a pop-up or side hustle that takes a few taps a week and spends its sales from the Jim Card. The moment your money needs to reach a bank, or you need inventory, staff, or loyalty, Simple costs less and does more. Jim is faster to a card. Simple is cheaper to a bank. For fees, payouts and complaints in depth, read our full Jim app review.

    Total-cost savings depend on sales volume and bank share, including Simple's plan fee. Staff scheduling and time clock require Medium plan and up.

    Frequently asked questions

    On the tap, yes. Jim charges 1.99% per Tap to Pay sale and deposits it to the Jim Visa Prepaid Card. Moving that money to a bank costs another 1.99% + $0.99 per transfer, so banked sales cost about 3.98%.

    Sales land on the Jim Visa Prepaid Card within seconds. You can spend from the card anywhere Visa or Apple Pay is accepted, or send it to a bank by Same Day ACH for 1.99% + $0.99 per transfer, with a $15 minimum.

    Per tap, Jim is cheaper: 1.99% against Square's 2.6% + 15 cents. Square deposits to your bank for free the next business day, while Jim charges 1.99% + $0.99 to reach a bank. For banked sales averaging more than about $11 a sale, Square costs less than Jim, and Simple at 2.19% costs less than both.

    Profit Booster adds the processing fee to your customer's total: 2.99% in person and 4.99% + $0.30 online. You keep your full price. Check your state's rules on customer fees before turning it on.

    Jim is built by CloudWalk, Inc., the Brazilian fintech behind InfinitePay. Banking services are provided by Lead Bank, Member FDIC.

    Yes. Simple runs on the same phone with Tap to Pay, plus a free Compact Reader if you want one. Sign up, connect your bank, and you are taking payments at 2.19% with next-day deposits.

    Stop paying twice. Get everything, for 2.19%.

    Software from $29/month per location. Operations Hub from Medium ($99/month).

    Get startedTalk to us

    All Jim pricing and feature information verified October 2026 from jim.com and help.jim.com. Details may change; we update this page regularly. Jim is a trademark of its owner, which does not endorse Simple.