Using Your Mobile Phone To Accept Credit Cards

When credit card processing began, it promised to be a boom to retail merchants and those who provided services on an ongoing basis. However, hooking into a system that could process credit cards usually involved monthly fees, equipment costs and a variety of different prices that ate into profits and became burdensome to manage for accounting.
The advent of the smartphone allowed people to connect to the Internet quickly and on a mobile basis, in a variety of environments.

What Is Mobile Credit Card Processing?

Mobile credit card processing uses the Internet connection that a standard smartphone implements. Smartphones are different than the common cell phones in that they can use applications that can do certain tasks. In addition to making simple phone calls, these “apps” allow the use to do computing, store personal information, play audio and video files, use email and connect to other computers. More recently, applications have been available that allow smartphones to connect to credit card processing companies. This innovation has opened up the world of mobile payments to artists, craftspeople vendors and a variety of in-home service people.

Benefit of Mobile Credit Card Payments

Mobile credit card processing allows merchants to cut their costs considerably. Generally, only two fees are applicable, one for swiping the card and a slightly higher fee for keying in the credit card number. This simple scale makes accounting easier for small businesses. Merchants who once had to send invoices to customers and wait for payment can take their money on the spot. Usually, the funds are deposited into the merchant’s account the next day. Merchants can easily keep track of payments by email, which are sent to them each time the processing application is used. When the payment is made to the merchant’s bank, the fee amount is clearly indicated for easy entry into accounting systems. Customers prefer mobile payments, too. They can make a payment at the time of sale or service wherever it is.

What You Will Need

Signing up for mobile credit card processing is easy. First, you will need a smartphone. If you don’t have one, purchase one and take the time to get to know this amazing new technology. You will then be required to go to the credit card processor’s web site to create an account that connects to your bank. After downloading the “app” for processing, you will then be ready to serve your customers on the go.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

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I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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