![]() You’ll need a merchant account to get started, but iPay POS does not lock you into one of their merchant account providers. A versatile mobile processing solution for Apple mobile devices including the iPhone, iPad, and iTouch, iPay POS offers access to multiple payment gateways. There are no additional fees or transaction percentages charged for using the app, but the standard credit card payment processing fees still apply.Ĥ. Payment gateway options are limited to Authorize.Net, NMI, and Pay Pal Pro. The app costs $4.99 and requires a supported phone running software of 4.6.0 or higher. Formerly known as BlackCard, this mobile credit card processing service for the Blackberry offers the option of setting up a merchant account through NoblePay. And those using certain versions of Quick Books can download transactions directly to the software program.ģ. High-volume customers will pay $12.95 per month along with a 1.7% transaction fee on swiped cards, or 2.7% for keyed entries. The pay-as-you-go plan charges a 2.7% transaction fee for swipes versus 3.7% for manually entered card numbers. Both plans include a free app and card reader plus no setup fees or monthly minimums. The pricing plan has two options, pay-as-you-go for businesses with fewer transactions or a high-volume option requiring a monthly service fee offset by lower transaction costs. Created by the maker of the well-known accounting software, GoPayment is also available for the top three smartphone platforms. If you have the option of choosing between a regular merchant account for credit card processing or using Square, you can use this calculator to help you compare the two and find the best value for your business.Ģ. Currently, Square is not available for Android tablets.Īn additional note. The card reader and mobile app are free, and the mobile app can be downloaded via your mobile device. Square users must be running Android 2.1 or Apple iOS 4.0, and have a GPS enabled device with a 3.5″ headphone jack. Swipe a customer’s credit card and it’ll cost you a flat 2.75%, while typing in the card number runs 3.5% + $0.15 per transaction. ![]() The only catch is that manual entries carry a higher processing fee than do swipes. One of the best known credit card processing apps, Square includes a proprietary dongle that plugs directly into your Android, iPad, iPhone, or iTouch headphone jack, but gives you the option of swiping or typing in credit card info. Since the top three mobile devices in the United States include Apple’s iPhone or iPad, phones running Google’s Android operating system, and Research in Motion’s Blackberry, this overview covers several options for each platform.ġ. Some credit card readers don’t require the physical hardware piece, while others offer the option of entering a credit card number manually or swiping the card. Included in this overview of credit card reading devices are both mobile apps and what are known as “dongles.” A dongle is simply a piece of hardware – in this case the mag stripe reader – that attaches to the mobile phone and allows the secured software application to run. That’s why several companies have created credit card reading devices and applications for smart phones. You may not be able to use a hard-wired credit card reader, and processing cards via an Internet connection (if one is available at all) can also be a challenge. A source of frustration for many sellers, especially those with non-traditional venues, can be credit card processing.
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