The Best Mobile Credit Card Processing Solutions of 2020

By
Lori Fairbanks
,
business.com staff
| Updated
Jul 24, 2020

With mobile credit card processing, you can accept payments from mobile devices. See our picks for the best mobile credit card processors in 2020.
Best Mobile App
Free POS software
No monthly fees
Choice of hardware
Best for Android
Low, flat rates
Supports multiple users
Suitable for solopreneurs
Best for Apple Devices
Cheapest EMV/NFC card reader
Pay as you go
Competitive flat rates
Best for Online Small Businesses
Accept cards in person and online
Competitive rates
No long-term contract
With mobile credit card processing, you can accept payments from mobile devices. See our picks for the best mobile credit card processors in 2020.
Updated 07/24/20

We've added more info comparing and contrasting the pros, cons and features for our best pick selections.

If you're the owner of a new business, process less than $3,000 per month or have small sales tickets, a mobile credit card processor is probably going to be your best payment processing option. It's also a great choice for freelancers, seasonal businesses and sole proprietors. 

The biggest reason for this is that, in most cases, it will save you money because you pay a processing fee for each transaction and that's it. There are no monthly or annual fees, nor a long-term contract. Equipment costs are also minimal; all you need to get started is a card reader and an app that you use on your smartphone or tablet. Then, as your business grows, you can add more accessories. 

If you process more than $3,000 per month or need your own merchant account, check out our reviews for full-service credit card processors. Otherwise, read on to learn more about the pricing, features and contracts you should look for in a mobile credit card processor.

February 2020: Visa's published interchange rates will change this year. The card brand informed its banking partners about upcoming changes in a document seen by Bloomberg, saying, "Based on the most recent review in the U.S., Visa is adjusting its default U.S. interchange rate structure to optimize acceptance and usage and reflect the current value of Visa products." The rate changes will be implemented in April and October, and merchants can expect to pay higher rates for card-not-present transactions like e-commerce purchases and lower rates for transactions made by businesses in education, healthcare and real-estate industries. The new interchange rate structure will include new categories for vending machine, parking and rent transactions.

How We Decided
Our team spends weeks evaluating dozens of business solutions to identify the best options. To stay current, our research is regularly updated.
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Reviews

Square: Best Mobile App

For its basic service, all you pay are processing rates. There are no monthly or annual maintenance fees.
The app, available for both iPhones and Android phones, comes with a full suite of POS features.
It's the only top mobile credit card processor that charges a per-transaction fee to its in-person processing rate.
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Square is one of the biggest names in mobile credit card processing, providing its services to more than 2 million small business merchants and individual sellers in the U.S., the U.K., Canada, Australia and Japan. 

We chose Square as the best low-fee credit card processing service because it doesn't charge any of the monthly or annual account maintenance fees that most companies charge, such as statement, payment gateway and PCI compliance fees. All you pay are its flat-rate transaction fees. It doesn't have a chargeback fee either, which is unusual, even among mobile credit card processing companies. 

Read Review

PayPal Credit Card Processing: Best for Android

As one of the best-known brand names in credit card processing, it inspires customer confidence in your business.
It's one of the few processing services that can be used by individuals, making it a great option for freelancers or solopreneurs.
Its chip and contactless card reader is more expensive than competitor card readers.

PayPal is a huge name in the payments industry, serving 23 million merchants and 246 million consumers in more than 200 countries and regions. With a PayPal Business account and the PayPal Here app, small businesses can accept credit, debit, and PayPal payments online, in-store and on the go.

PayPal is one of the few processors that allows both businesses and individuals to accept payments, making it a popular choice for freelancers, consultants, solopreneurs, and other very small businesses. It has flat-rate pricing and no contract, so you only pay for the processing services you use, and you can close your account at any time without paying a penalty. For these reasons, it's our pick as the best low-volume credit card processor.

Read Review

SumUp: Best for Apple Devices

Its card reader is a bargain – it accepts mag stripe, chip, contactless payments ‒ compared to what other processors charge for similar equipment.
The free app is basic, but you can create a product catalog, view reports and search your sales history.
It's primarily an in-person processing service. It does have a virtual terminal for card-not-present transactions, but that rate is higher than most.

SumUp launched in 2012 and is now a global mobile credit card processing company that works with thousands of small businesses in 31 countries. Its notable customers include Bosch, DHL and Staples. 

SumUp is our choice as the best mobile credit card reader for Apple devices because it's inexpensive; accepts magstripe, chip, and contactless payments – including those made using the Apple Watch; has a long battery life; and connects to your iPhone or iPad via Bluetooth so you can use it on both new and older devices. Although it's our pick as the best iPhone card reader, it can also be used with Android phones and tablets, as can its mobile app. 

Read Review

Shopify Payments: Best for Online Small Businesses

Shopify makes it easy for e-commerce businesses that want to open pop-up shops or participate in local events to accept credit cards in person.
If you subscribe to higher-tier plans, you pay lower processing rates. Also, service is month to month.
Shopify's new app only supports iOS devices.

For e-commerce businesses that open up pop-up shops and need a way to accept credit cards in person, we recommend Shopify Payments – the in-house credit card processing service offered by Shopify. This cloud-based e-commerce platform serves more than 800,000 merchants across 175 countries, including well-known brands like Nestle and Red Bull. 

It's our choice as the best mobile credit card processing service for online businesses because it makes it easy for you to accept payments across multiple channels: on your website or blog, on social media, and in person at various locations using your phone or tablet. 

Read Review

Mobile Credit Card Processing Rates

Most mobile credit card processing companies have flat-rate pricing. Typically, you pay a percentage of each sale, and the swipe rate is the same no matter what type of cards your customers use. Rates are higher for transactions you manually key in or accept online, but again, you pay the same rate, whether the card is debit or credit, regular or rewards, consumer or corporate.

Flat-rate pricing initially looks more expensive than other pricing models because the rates are higher than the starter rates that many processors advertise. However, one of the hallmarks of flat-rate pricing is that you pay fewer fees than you would with a full-service payment processor; in fact, the best mobile credit card processors don't charge any at all. This makes these mobile processors very attractive options, especially if you process a low volume of credit card transactions, such as if you're a new business or most of your receivables are cash or check.

Flat rates can be one of two models:

  • Percentage of sale only (usually 2.25% to 3.5%).
  • Percentage of sale plus a per-transaction fee (usually 10 to 30 cents). With this type of plan, the percentage is usually lower than those that only charge a percentage rate.

If you sell large-ticket items, pricing with a lower percentage rate will probably be more cost-effective, even with the addition of the per-transaction fee. If you sell small-ticket items, you'll want to choose a payment processor that doesn't charge a per-transaction rate, since this can quickly eat into your profits. For example, although a per-transaction fee of 25 cents is a nominal amount, if your average transaction is only $5, you're paying 5% of your transaction on top of whatever percentage rate you pay.

These are some possible variations in flat-rate pricing:

  • Some processors charge a slightly higher rate for American Express and international cards.
  • Some processors charge the same rate regardless of how the transaction is processed, which may be a good model to look for if you also accept payments over the phone or online.
  • Some processors charge different rates for debit and credit cards, which may save you money if your customers prefer to make debit card payments.

If you plan to use a full-service payment processor, mobile rates are usually the same as retail (in-person) rates and use the same interchange-plus or tiered pricing model. See our credit card processing review for an explanation of these pricing models.

Mobile Credit Card Processing Fees

Mobile credit card processors typically charge fewer fees than full-service ones, and the best don't charge any regular fees. That means no monthly fee, monthly minimum, monthly payment gateway fee, or PCI compliance or noncompliance fees. There are no setup fees, payment gateway setup fees or early termination fees either.

In most cases, the only additional cost you'll see is a chargeback fee if a customer disputes a charge. These tend to be more common with online sales than in-person sales, though they may occur if your customer is dissatisfied with a purchase or doesn't recognize your business name on their credit card statement.

If, however, you arrange your mobile credit card processing service through a full-service payment processor, you can expect to pay all the same fees you would for retail processing. If you process a high volume of sales each month, you may save more money working with a full-service processor because rates are lower. Conversely, if you process a low volume of sales each month, it's more cost-effective to choose a merchant aggregator that only charges processing costs, with no account-based fees.

Mobile Credit Card Processing Contracts

Most mobile credit card processors have online applications, and their user agreements, or terms of service, are shorter and more straightforward than standard payment processing contracts. It's important that you take the time to read them thoroughly, along with any linked documents, before you fill out the application. If you can't find the user agreement on the application or the company's website, you should contact the company and ask for a link so you can review it before signing up.

These are some of the things you want to look for in the user agreement:

  • Fee schedule. Many mobile payment facilitators include a list of rates and fees in the user agreement, or link to a page that explains pricing in greater detail.
  • Term length and cancellation policy. Although mobile credit card processors usually have generous pay-as-you-go or month-to-month service terms, a few have standard processing contracts with three-year terms that automatically renew for one or two more years. If the processor you want to work with has such a contract, make sure to call your rep and see if they can give you a waiver for month-to-month service with no early termination fees or liquidated damages.
  • Identity verification and underwriting. Mobile processors often need minimal documentation to set up your account, such as your phone number, driver's license, Social Security number and a credit card. Some also request a business license, tax ID number or your employer identification number (EIN). A few may require you to submit to a credit check.
  • Compliance with the PCI Data Security Standard and card network rules. All merchants that accept credit card payments are subject to card network rules and PCI standards.
  • Permitted use. Some mobile payment processing services can only be used by businesses. Others allow individual use.
  • Prohibited businesses and goods. Make sure your business type and the goods or services you sell are allowed. If they're not, the company will freeze your funds and close your account.
  • Chargeback fee and procedure. If a customer disputes a charge, most processors charge you a fee, usually $15 to $25, and you're liable for the amount of the transaction if the dispute is settled in the customer's favor. The processor may request documentation related to the transaction, hold your funds, or create a reserve account to cover future chargebacks and fees. If you have too many chargebacks, the processor may close your account.
  • Reserve account. Most processors have the right to create a reserve account to cover possible chargebacks. If you have chargebacks or transactions that the processor considers suspicious, it may create a reserve account and hold your funds.

If you're working with a full-service processor that offers mobile payment processing, your rep may send you just the application or merchant agreement. This isn't the complete contract, but if you fill it out and sign it, you're agreeing to it. For this reason, it's important to ask for the terms and conditions (or terms of service) and the program guide.

You want to read through all three of these documents before signing anything. If you don't, you may find yourself locked into a lengthy, automatically renewing contract with steep cancellation fees. You specifically want to look for information on processing rates, fees and cancellation terms – including the procedure you'll need to follow to exit your contract. Also look out for clauses that automatically enroll you in additional services.

What Features Do You Need?

Whether you choose to work with a payment facilitator, an ISO/MSP or a direct processor for your mobile processing, you should expect the service to include basic features that allow you to accept payments. It should do the following:

  • Let you accept all major credit cards, including Discover and American Express
  • Provide a free credit card payment app
  • Sell mobile EMV card readers at a reasonable cost
  • Provide customer support by email or phone

Credit Card Payment Apps

Before selecting a mobile payment facilitator, make sure its free app is compatible with your smartphone or tablet. Although the best payment facilitators have apps for both iOS and Android devices, some only support one platform. Most processors have lists of compatible devices on their websites, or they can email their lists to you upon request.

Even when an app is available for both platforms, the features may differ, and one version may have more functions than the other. Likewise, some iPad and tablet apps have more features than phone apps.

Every mobile credit card payment app includes register or basic POS software that you can use to ring up sales. You should be able to do the following with it:

  • Manage a product catalog so you can easily find and add items to a ticket
  • Prompt customers for tips
  • Accept customer signatures on the phone or tablet screen
  • Email, text or print receipts
  • Generate sales reports
  • Connect to a cash drawer, barcode scanner and printer

Mobile Credit Card Readers

One of the chief appeals of mobile credit card processing is that it requires very little equipment, keeping your upfront costs low. All you really need is a phone or tablet with cellular or internet service, a credit card payment app, and a mobile card reader.

Many processors offer to give you a free card reader, but these are typically not EMV compliant and only read the magnetic stripe on credit and debit cards. You should plan on upgrading to a reader that accepts EMV chip cards so you won't be held liable if you unwittingly accept a payment with a counterfeit card.

The best mobile EMV card readers have NFC capabilities as well, allowing you to accept every payment type, so your customers can swipe their magstripe cards, dip their EMV chip cards, and tap their contactless cards (or their phones if they prefer to use a mobile wallet like Apple Pay or Google Pay). Such mobile card readers are very affordable, nearly always costing under $100. SumUp's contactless reader costs just $19, which is the lowest price we've seen.

Some mobile payment facilitators sell card readers at chain stores, so you can replace them easily, which is reassuring if you're worried about downtime due to equipment failure. For example, you can buy Square credit card readers at the Apple Store, Best Buy, Staples and Target. You may also be able to find PayPal credit card readers at your local stores.

In addition to mobile card readers, many payment facilitators offer accessories such as receipt printers, cash drawers and barcode scanners so you can set up a full checkout station. These accessories can speed up the checkout process, make it easier to accept both cash and credit card payments, and provide printed receipts to customers who prefer them to email or text receipts. The accessories mobile processors offer tend to be less expensive than similar products used with standard retail processing solutions.

If you wish to accept credit cards using only your phone, some mobile processors use newer technologies that eliminate the need for a card reader. Apps such as Flint and QuickBooks GoPayment capture your customer's credit card information using your phone's camera. Since the card isn't swiped, it's treated as an e-commerce transaction, so the rate is higher than what you'd pay if you accept payments using a mobile credit card reader.

Our Methodology

Our search for the best mobile credit card processors began by asking small business owners which companies they use and what they like about them. We then searched industry, business and review websites for additional options. We compiled this information into a list of more than 100 companies, adding mobile processors that contacted us requesting to be reviewed as well as those we were already familiar with.

We then researched each company's website, studying support resources such as knowledgebases, how-to guides, articles and blogs, and video tutorials when available.

Eventually, we narrowed our list down to 12 finalists. To determine our best picks, we looked for companies that charge minimal fees and offer competitive pricing, because we realize that affordability is a top priority when you're looking for a mobile payment processor. We wanted to find companies that provide month-to-month or pay-as-you-go service and don't charge early termination fees, because you should be able to switch processors without incurring penalties if you find better pricing or service elsewhere.

We also considered how quickly and simply companies set up accounts, their application requirements, and startup costs, including equipment. Although most standard credit card processors offer mobile processing as a stand-alone service, for this review we focused on payment facilitators and companies that offer transparent, flat-rate pricing and minimal fees.

Mobile Credit Card Processing FAQs

Q: Does my small business need to accept credit cards? Can't I just accept cash only?

A: Some businesses only accept cash payments, but before you decide on this business model, consider how your customers prefer to pay. If your customers don't carry cash or they prefer to pay by credit or debit card, you may lose sales if you only accept cash. According to the 2018 TSYS U.S. Consumer Payment Study, only 14% of consumers prefer to pay by cash, while 26% prefer credit cards and 54% favor debit cards.

Q: Can individuals accept credit cards?

A: Although all full-service payment processing companies and many mobile credit card processors require their customers to be actual businesses, a few mobile processors – like Square and PayPal – also work with individuals and allow them to use their services for things like garage sales and fundraisers. Another provider, SumUp, works with sole proprietors – even if their businesses are very small, such as crafters who sell at local events a few times a year.

Q: Is mobile credit card processing safe?

A: Data security is a top concern for the payment industry, and mobile processors proactively comply with the Payment Card Industry's Data Security Standard (PCI DSS), which has proven effective in discouraging hackers. According to one study, 96% of merchants that experienced data breaches in 2011 weren't PCI compliant.

Mobile card readers use tokenization and point-to-point encryption to securely capture and transmit payment data, and many are now EMV compliant. EMV adoption has been a significant force in the war against fraud; Visa recently announced that EMV-compliant merchants have seen counterfeit fraud losses drop by 87%.

Q: What is the best iPhone credit card reader?

A: The best credit card readers for Apple phones and tablets have both EMV and NFC technology so you can accept chip cards and contactless payments – including both contactless cards and mobile payments like Apple Pay and Google Pay. Usually, these credit card readers attach to your iPhone or iPad via Bluetooth. Most of the time you'll need to purchase one, as the free swipe reader that the mobile credit card processors give you only read the magnetic stripe on cards – not the EMV chip – which leaves you open to liability if you inadvertently accept a counterfeit credit card. Swipers also lack NFC capabilities, which may frustrate your customers who prefer to use Apple Pay.

The swipers usually have a headphone jack that plugs into your device, so if you have an iPhone 7 or newer, you'll need a Lightning adapter in order to use it. Square offers a newer credit card swiper for iPhone that has a Lightning port, but it can still only be used to swipe a card with a magnetic stripe, so you'll want to plan on upgrading to an EMV/NFC card reader.

Q: How can I save money on mobile processing?

A: Mobile credit card processing companies that post their rates and fees online usually don't negotiate their rates and fees unless you process a high enough volume of transactions each month to qualify for volume discounts or custom pricing.

However, there are things you can do to lower your mobile credit card processing costs or ensure that you're getting the best possible rate. Flat rates make it easy to calculate exactly what you'll pay for your processing, so if you know your average sales ticket size, you can do the math to figure out which mobile processor will save you money. Generally, the following guidelines apply:

  • If you have large sales tickets, look for a mobile credit card processing company that has lower percentage rates, even if that means you pay a per-transaction fee.
  • If you have small sales tickets, look for a mobile credit card processor that doesn't charge per-transaction fees. The percentage rate will be higher, but it will still be less expensive.

If your business is seasonal, a processing company that has pay-as-you-go or month-to-month terms with no monthly minimum can save you money, since you won't be paying fees for a service you aren't using during the offseason.

Also consider the cost of value-added features in your calculations. For example, some payment facilitators provide you with free POS software as long as you use their processing services. If it meets your needs, calculate whether it would be cheaper than subscribing or purchasing POS software elsewhere.

Q: What is the difference between a mobile credit card processor and a full-service processor?

A: As a small business owner, you may wonder what the difference is between a mobile credit card processor and a full-service one, and which one is the better fit for your business. Both types of processors can set you up to accept payments using a mobile device, but there are some key differences that can affect your costs, commitment length and overall satisfaction with your account.

The biggest difference between the two is that a full-service processor sets you up with your own merchant account, while a mobile processor sets you up as a submerchant under its master merchant account.  

A submerchant account is faster to set up and has minimal application requirements. There's usually not a contract, many don't charge any monthly or annual fees, and the processor takes care of PCI compliance – which are all good things. The downside is that mobile processors have less risk tolerance . If there's something abnormal about your account, such as a sudden spike in your monthly processing volume, or a transaction that's much larger than average or otherwise looks suspicious, the processor may freeze your funds or suspend your account. There are also some industries that mobile processors consider high-risk and don't work with, so you'll want to read the user agreement before signing up to make sure your business type is supported.  

Another difference is that some mobile credit card processors, such as PayPal and Square, allow individuals to sign up for accounts, which may be useful for solopreneurs, freelancers, and very new businesses that are still getting set up and may not yet qualify for an account with a full-service processor.  

Generally, mobile processing is the most cost-effective payment processing solution for businesses that process less than $3,000 per month because, in most cases, you pay as you go for the processing services you use and there are no monthly or annual fees. It's also a good solution for businesses that don't yet know what their monthly processing volume will be. The trade-off is that you pay higher transaction rates than you'd pay a merchant services provider. If the processor only charges a percentage for each transaction and doesn't tack on a flat per-transaction fee, it's also an affordable option for businesses with low-dollar sales tickets – even those processing well over $3,000 per month. 

Mobile credit card processing has minimal hardware requirements, so you can start accepting credit cards with very little upfront cost. If you already have a phone, the only processing equipment you need to buy is a mobile credit card reader. These cost under $100 (and often $50 or less) for a model that can accept chip and contactless cards as well as mobile wallets like Apple Pay and Google Pay. With just your phone, the free mobile processing app, and the card reader, you can ring up sales and accept card payments wherever you do business, whether you're at a job site, a trade or truck show, or even your brick-and-mortar location. As your business grows, you can purchase peripherals like a receipt printer, cash drawer, barcode scanner and tablet stand. 

Established business owners have the option of working with a full-service processor and adding mobile credit card processing to their account or working with a mobile processor. Their employees can then use mobile card readers with tablets or phones as line busters to speed up the checkout process or, for restaurants, to accept tableside payments.

If you decide that a mobile processor is the best fit for your business, our reviews can help you identify the companies you want to learn more about, but you'll still want to contact the companies directly to verify that you have the pricing and terms that apply to your specific business. This call will also allow you to feel out the quality of a company's customer service. Finally, before signing up for an account, you should read the user agreement or contract to make sure that the processor works with your business type and the items or services you sell aren't prohibited.  

If you prefer to work with a full-service processor, see our credit card processing review for our recommendations. Our point-of-sale systems review is another helpful resource to check out if you plan to add this technology to your business.

community answers

Common Mobile Credit Card Processing Questions & Answers
Have a mobile credit card processing question of your own?
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What's the best online credit card processing with SSL?
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Mary-Alice Miller
Mary-Alice Miller
Answered
We use Stripe and it's been super easy for us and you don't pay any fees unless you process transactions. It really depends on the volume though. I think the Stripe transaction fees are slightly higher, but again, you don't have any ongoing maintenance and other fees. If you are processing a large volume of transactions, setting up a merchant account and processing through a traditional bank might make more economic sense. You just have to walk through the fees and run an analysis.
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What to Expect in 2020

The customer experience is at the forefront of credit card processing trends for 2020. Michel Léger, executive vice president of innovation for Ingenico, explained this focus in a recent press release: "Now, everyone can pay when they want, where they want, and how they want. ... It's not enough anymore to just offer payment solutions that are tailored to consumers; now payments need to be taken right to them." 

Mobile credit card processing is the perfect tool to help you do this, as it allows you to accept payments from your customers wherever they are – whether that's on the sales floor of your retail store, tableside at your restaurant, or offsite at an event. 

Another way of improving the customer experience in 2020 is allowing customers to pay how they want, which means you need to be able to accept payments multiple ways – such as "tap and go" checkout for contactless cards and mobile wallets that use near-field communication (NFC). Even though consumers have been slow to adopt mobile wallets, contactless cards are being issued rapidly and may quickly become your customers' preferred payment method. In 2019, Visa issued more than 100 million contactless cards, and its goal for 2020 is to get 300 million contactless cards into the market. Luckily, many EMV mobile readers include NFC capabilities, so if you've updated your credit card reader recently, you should already have this technology in place. 

Speaking of mobile card readers, is new mobile checkout technology in the works for 2020? The Payment Card Industry Security Standards Council (PCI SSC) has released new standards for contactless payments, and it hints that card readers may not be needed for mobile credit card processing much longer. Instead, merchants may be able to accept payments using just a smartphone or tablet and a payment app. Troy Leach, senior vice president of PCI SSC, said in a press release that the new PCI standards and program for contactless payments "now provide merchants the option to use validated solutions that require no additional hardware to accept contactless transactions."

Lori Fairbanks: Staff
Lori Fairbanks,
business.com staff
Lori Fairbanks has years of experience writing and editing for both print and online publications. After graduating from Brigham Young University with a Bachelor of Arts in English, she worked as a magazine editor and then as a freelance writer and editor for a variety of companies, including marketing firms and a medical university. She now writes for business.com and Business News Daily about financial systems and services for small businesses, such as accounting software, credit card processing and point-of-sale systems.

Services

CDG Commerce provides in-store, mobile and online credit card processing services for businesses of all sizes across multiple industries. It doesn't require you to sign a contract, and it integrates with more than 50 accounting software programs, e-commerce platforms and CRM systems.
Cartwheel Register by Tantrum Street is a mobile credit card processing app for the iPhone and iPad. Instead of using a card reader, it uses your device's camera to capture card data. The company charges a flat percentage of each sale plus a per-transaction fee. There are no monthly, annual or PCI compliance fees. There's no contract either, so you can cancel at any time without penalty.
EMSplus is a mobile credit card processing app from Electronic Merchant Systems (EMS) that works on Apple and Android phones and tablets. It has flat-rate pricing and a month-to-month agreement with no setup, cancellation or monthly fees. There are also no monthly minimum processing requirements.
Flint has partnered with Stripe to offer an innovative mobile credit card processing system. You don't need a reader to accept credit cards on your smartphone – just download the credit card payment app and then scan the card to process a transaction. It also comes with features like e-commerce processing and invoice billing.
Payanywhere, the mobile credit card processing arm of North American Bancard, offers two plans. The pay-as-you-go plan is for businesses processing less than $10,000 per month. It has flat-rate pricing, with no monthly fees or minimum. The custom plan is for businesses processing more than $10,000 per month and requires you to call for a quote. Card readers are available, including a Bluetooth option.
Authorize.Net is a payment gateway provider that lets you accept credit cards through the platform itself or integrate payment with your existing merchant account. Mobile credit card processing is also available. Features include advanced fraud detection, customer information management, invoicing, recurring billing and e-check processing.
GoPoint by T-Mobile for Business is a mobile credit card processing service that has a competitive flat rate, same-day funding and no additional fees. The GoPoint mobile app can be used with Apple and Android phones. The GoPoint Pro app is available for Android tablets and has additional features like inventory management and receipt printing. The company offers a choice of two mobile card readers.
QuickBooks Payments
QuickBooks Payments, a division of Intuit, has several processing solutions, allowing you to accept payments on the go, in your store and online, either through a web store hosted on a compatible e-commerce platform or invoices you send through the QuickBooks accounting software. You can view its rates online and choose a plan with no monthly fee or one with a monthly fee and lower rates.
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