Mobile Credit Card Processing

Using a sophisticated mobile credit card processing service can help boost your business advantage. this way the credit card payment process can be done anywhere through Mobile Smartphone that you use like android, iPhone, windows and so forth. Accept credit card payments and manage your store's overall operations from your mobile device.

If accepting credit cards whenever and wherever is important to your business, consider mobile credit card processing and receive payments on smartphones.

Acceptance of car payments from using a card reader and mobile devices equipped with an application to enable merchants to receive payments while on the go. Mobile card readers provide small businesses with very low investment ways to process payments by credit card.

Here we recommend the main brands of the best mobile credit card processors you can use:

Best Mobile Payment Processor

Mobile Credit Card Processing

1. PayPal Here

PayPal With a powerful system and 110 million active accounts, their interface is familiar and their names are reputable for security (despite some complaints in recent years). Their entry into the mobile space is PayPal Here (PPH), a mobile card reader for Android and Apple.

FEATURES

• Free sign up
• Check, cash, credit, and debit card processing capabilities
• Support online, through support forums/communities, and over the phone
• No cancellation or obligations
• Most users will start accepting transactions within a week
• Clean interface which existing PayPal users will find extremely easy to navigate
• Multiple users
• Reports for sales by date, person, payment type, and items purchased

PRICING

• Card Swipe: 2.70% (U.S. cards)
• Card Key-in or Scan: 3.50% + $0.15 (U.S. cards)
• International card rates are 1% more, so 3.70% and 4.50% respectively
• Checks are free
• $20 chargeback fee (this is refunded in the case of customer error)

SETUP

• Up to two days for a credit check
• Up to a week for the card swiper to arrive. However, you can buy it in stores like Staples and Office Direct for $14.99, and PayPal will reimburse you
• You need to download the PayPal App from either the Play or App store (don’t worry, it’s free)

COMPATIBILITY

• iPhone 3GS and later and iPad devices running iOS version 5.0
• Android version 2.3.3 (Gingerbread) or later
• 3.5 mm headset jack with microphone
• Support for location services
• Internet access (via WiFi or cellular data network)
• Some Android tablets

2. Square

Square is one of the first mobile processors to actually strike a chord with the market. It has a very simple pricing structure, a beautiful user interface that is functional and self-explanatory, and very small and portable. From a software perspective, Square offers an intuitive and simple user experience.

Square can be used on iPhone 3GS and up version, as long as iOS is running slow 6.0. As for Android, 4.0 and up is the default, and on their site. Here are the features of square ; 

Features

• Free sign up
• No minimum or maximum transaction rates: process $1 or $1 million, Square doesn’t care
• Multiple accounts
• No reduced functionality for tablet devices
• Square Analytics, including sales summaries and QuickBooks/Xero integration
• Transparent pricing structure

Pricing

• 2.75% per swiped transaction, per sale with Square Sites, or by paid Square invoice.
• 3.50% + 15 cents per manually entered transaction
• Paid Square Invoices: 2.75%
• $0 chargeback fee
• Transactions appear in your bank account the next business day

Setup

• Setup is easy and instantaneous
• The Square Reader arrives in the mail within seven to 10 business days

Compatibility

• Most Apple devices from the iPhone 3GS and up
• Apple needs to be running iOS 6.0
• Android needs to be 4.0 or higher
• 3.5mm headset jack with microphone
• Location services enabled
• Access to internet

3. PayAnywhere

PayAnywhere is a fairly generic mobile processor company. The level of security, compatibility, setup time, and customer service are all pretty standard.

PayAnywhere offers APIs to integrate their payment system easily into your website, get all your sales (and sales data) in one place. This is a practical feature, but not a breakthrough. Lastly, PayAnywhere offers a storefront package, which includes all the small businesses that need to start their storefront with PayAnywhere.

Features

• In-app analytics
• Receipts include a picture of the product and a description
• PayAnywhere can account for tip and tax
• QuickBooks integration
• Digital inventory
• Accepts all major credit cards and PayPal cards

Pricing

• Swiped 2.69%
• Keyed 3.49% + $0.19
• $25 chargeback fee
• $25 Non-Sufficient Fund (NSF) charge
• $15 Retrieval fee every time your customer wants a sales receipt for a particular transaction

Setup

• Within five minutes, according to the website

Compatibility

• iOS 7.0 or higher
• iPhone 4 and up and all iPads
• Android needs OS 4.0 or higher, a 3.5mm headset jack with microphone, a normal or large screen size and internet and location services (they have a list of compatible devices on their website)

4. Flint Mobile

Flint Mobile has pursued a different business model. Instead of including a free card swiper, they abandoned the model completely, opting instead for scanning credit cards with phone cameras. There’s no decrease in security, and they continue to offer the accounting integration, great UI, and invoicing and tracking of other organizations.

Features

• Customizable card scanning setting
• Coupons
• In-app analytics
• QuickBooks integration
• Up to nine different users
• Accepts most major credit cards

Pricing

• 1.95% per transaction for debit cards
• 2.95% per transaction for credit cards

Setup

• Instant setup and go, without waiting for a swiper to arrive
• The small credit check to improve your Flint standing takes a few days

Compatibility

• iOS 6.0 or higher on iPhone’s 3GS and up
• Android OS 4.0

5. Intuit GoPayment

Intuit, the people behind QuickBooks, entered the world of mobile processors with GoPayment. To become GoPay-er, you must have a merchant account with Intuit.

Features

• Hi-volume pricing option
• Takes all major credit cards, including international ones
• Seamless integration with QuickBooks
• Up to 50 users
• Online chat, FAQs, and other support in addition to phone customer service
• Invoicing services, including SMS invoicing and personalized invoices with your company name and logo

Pricing

Basic Option

2.40% + $0.25 per swiped transaction

3.40% + $0.25 per keyed transaction

Additional $0.15 transaction fee for non-qualified transactions

$0.20 Batch fee

Pro Option

• $19.95 monthly fee
• 1.75% + $0.25 per swiped transaction
• 3.15% + $0.25 per keyed transaction
• Additional $0.15 transaction fee for non-qualified transactions
• $0.20 Batch fee
• Remember: Unless you’re doing $3,500 or more per month, the basic option is the most cost effective
• GoPayment reserves the right to charge customers $500 for shady merchant activity

Setup

• Very fast if you’re already a customer with Intuit; if not, it may take a little longer
• If you’re a new customer, setup is free
• If you’re a returning customer, then you have to buy the $50 swiper
• Swipers arrive within five to seven days

Compatibility

• Apple devices running iOS 6.0 or higher
• Android devices running OS 2.2 or higher are usually ok, but there are exceptions
• They include extensive lists of devices with known comparability issues, which include Windows and BlackBerry devices. However, they do stress that while these devices are not supported, it may be worth downloading the app to see if it works.

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