ProPay Overall Rating
Review Updated: 10/17/2011
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ProPay Overview
ProPay Logo
ProPay (propay.com) is a credit card processing provider that shares attributes of both a traditional merchant account provider and services like that of PayPal, 2Checkout, Google Checkout and Amazon Payments.
ProPay’s similarities with a traditional merchant account include the ability to swipe credit cards at the point of sale, which results in lower processing fees for the merchant, as well as the ability to accept payments using other methods such as in e-commerce sales. However, unlike a normal merchant account provider, ProPay does not support the use of traditional credit card terminals like the type used at most retailers.
The similarities that ProPay shares with providers like PayPal and 2Checkout is the ability to easily sign up without going through the strict underwriting requirements of a normal merchant account. Like PayPal, ProPay acts as its own holding account and merchants must manually transfer their money to a linked checking account.
ProPay offers several ways to accept credit card payments including a couple mobile options. The first, ProPay Jak, is a service similar to that of GoPayment, Square and Pay Anywhere in which merchants can use an attached card reader with their smartphones to accept credit cards. However, unlike the other three options, ProPay Jak includes a variety of other services which are not offered by its competitors.
The second mobile option that ProPay offers uses a small skimming device called the “ProPay FLASH Card Reader” (formerly known as the MicroSecure Card Reader) that allows merchants to collect credit card data by swiping the card’s magnetic strip and storing the data for later charging. Merchants can also use ProPay FLASH to process real-time sales when the device is connected to an Internet connected computer and ProPay’s virtual terminal. Additionally, merchants can call into an automated phone system and type the credit card information into the phone’s keypad to process real-time sales.
ProPay was founded in 1997 and is based in Lehi, Utah. ProPay uses the transaction processing services of TSYS.
[Need to take credit cards on the go? Checkout GoPayment's free mobile app and card reader]
ProPay Sales Tactics & Marketing Strategy | A+
ProPay does not use any deceptive marketing or sales tactics that were apparent to this reviewer. The entire signup process is handled in-house and on the company’s website. Additionally, ProPay’s displayed pricing is transparent and does not hide fees.
ProPay Fees, Costs & Contract Terms| A
One standout benefit of ProPay is that the company has a month-to-month contract and no cancellation fee. ProPay also has no monthly minimum processing fees, and merchants can eliminate all other monthly fees by keeping their accounts active and opting for electronic statements.
ProPay offers simple processing fees with a single rate that is set by how the card is transacted, either typed-in or swiped through a card reader. One exception is American Express Cards, in which the rate is the same under both transaction types. Fees and rates also vary based on the account type the merchant chooses with ProPay. Additionally, ProPay can customize rates for high volume businesses.
ProPay’s rates and fees are competitive with most traditional 3-tier merchant accounts setups, and probably less expensive in many cases. However, ProPay is more expensive versus Interchange Pass-through rate pricing. As of this update, ProPay’s fees and costs are as follows:
ProPay Standard Fees
| Premium Account | Platinum Account | |
|---|---|---|
| Visa, MC & Discover(Swiped) | 1.99% + $0.20 | 1.99% + $0.20 |
| Visa, MC & Discover(Keyed) | 2.99% + $0.30 | 2.69% + $0.25 |
| American Express | 3.39%+$0.30 | 3.19%+$0.25 |
| Annual Fee | $59.95 | $79.95 |
| Checking Account Transfer Fee | $0.35 | $0.10 |
ProPay Incidental Fees
| Refund a Credit Card | $0.35 |
|---|---|
| Paper Statements | $10.00 per statement |
| Monthly Maintenance Fee(for expired accounts) | Between $5.00 and $30.00 monthly |
| Chargeback | $15.00 |
| Return Fee on Electronic Check (ACH) Transfers | $10.00 |
ProPay Hardware Costs (Optional)
| ProPay Jak Card Reader | iPhone – $39.95Android – $49.95 |
|---|---|
| ProPay Flash Card Reader | $89.95 |
ProPay Complaints & Service | A
ProPay has very few complaints for a company of its size. Many of the complaints that it does have appear to be filed by merchants that have little understanding of how credit card processing fees are assessed and would experience the same issues with any provider.
The one common theme in the legitimate complaints filed against that company is that ProPay has a tendency to hold funds and freeze accounts if a merchant starts making charges that differ from its normal transaction history, or if it suffers a chargeback. It some cases, it appears that ProPay will suddenly terminate an account without notice thereby leaving the merchant without a way to accept credit cards. Understandably, these same merchants complain of receiving poor customer service.
ProPay appears to be very cautious about how much risk it is willing accept from a merchant, so higher risk businesses may want to look elsewhere. It is also wise to avoid chargebacks at all costs if you choose to go with ProPay.
ProPay Better Business Bureau Report | A+
As of this update, ProPay is still accredited with the Better Business Bureau (BBB) and holds an “A+” rating. ProPay has reduced its complaint count with 36 reports filed in the last 36 months versus 53 reported as of the last update of this review a year ago. Of the 36 complaints, 21 are due to problems with products and services, 13 with billing and collections, and two in other areas. All but one complaint were resolved to the merchants’ satisfaction.
Bottom Line
ProPay is a great credit card processing option for small businesses looking to avoid a traditional merchant account or looking for ease-of-use and simple pricing. ProPay’s services are particularly well suited for mobile merchants, e-commerce merchants, service based businesses, mail/telephone order companies, and single register retailers that have Internet access. ProPay does not supply traditional credit card terminals or POS systems, so it may not best option for restaurants or busy retailers. High risk merchants, and those that have a higher chances of chargebacks, may want to look elsewhere because ProPay appears to act swiftly by freezing accounts that it suspects as a threat for losses.
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18 comments
Lesley
May 17, 2012 at 11:40 am (UTC -7)
I’ve used ProPay for my face to face sales for over four years. I wouldn’t say the company is perfect but it is more than adequate for my needs. I do wish they had 24/7 customer service since most of these sales are on weekends.
I have the Flash reader for when I have WIFI available and the Android JAK for when I don’t.
I maintain PayPal for web sales simply because of the name recognition.
Jessica
May 10, 2012 at 12:30 pm (UTC -7)
I am sorry to disagree with the compliments on this company. I have had one issue after another with them & they could care less to make it right. They have held $59 from me for months now. Every time I have a customer order online from my website, they freeze MY MONEY and want me to go through a lengthy process to get funds released. The point of customers ordering from me online is convenience for us all especially since I have some overseas friends that order also. I am happy to hear they are not owned by paypal b/c I do not get the hassle with paypal & would rather use them. The only reason I even use propay is b/c that is who my company uses for processing our customers cards. Propay has been good at one thing and that is pissing my customers off when I have to get them to pay another way due to small limits and putting money on hold. HELLO….I am out of pocket this money for the products until propay releases my funds which means propay is robbing my family of money we need for groceries etc…. THEY DO NOT CARE!!! I’m not sure how they choose who they will pick on and who they won’t . This does not happen to everyone but for me, a person that is more than honest…Military Police as a matter of fact….they have froze my funds over and over again and they love to just say “its to protect me” from what? From paying my bills or making money???
Terri Galietta
February 10, 2012 at 10:42 pm (UTC -7)
I thought I was doing the right thing. I made sure I had a merchant account before I got my website or anything else. When I called ProPay the feature that I was told about was splitpay, so I could pay my agents their commissions immediately. It was a line of garbage. Propay is NOT compatible with Network Solutions. Network Solutions didnt want to even try to become compatible with them, and due to being told that Propay would split pay my commissions, I cancelled my website with Network Solutions, and went with 3Dcart, someone Propay worked with. 3Dcart is a horrific shopping cart, compared to Network Solutions. I opened online, and within the first 10 days it was clear I would exceed the 3,000 credit limit I had asked for. I was told to send a bunch of documents to underwriting to get the limit raised.
I hired four new employees! My first four! I was so excited! I called Propay to find out how to set up the splitpay. NO ONE in customer service knew what it was! They forwarded the call to Tanner, the sales guy. He says “Oh gee.. that requires coding! Its not something we can just ‘turn on’” Ahh.,. excuse me.. but the sales lady I spoke with when I first called ProPay told me I could pay my sales people that way. It was the MAIN reason I chose to keep Propay and ditch Network Solutions! omg…I should have ditched propay!!! THey LIED!!! But.. the worst they were going to do to to me, was yet to come.
I was asked by the sales person if I sold HCG, we do not. I told them we sold Health Supplements. EVERY sales person I spoke to, they went to my website, they asked me about Marine Phytoplankton, and Elixin. Multiple times I had to give a list of the ingredients in each product. When I called to ask what category my business falls under, I was told to leave that blank and when I got to speak to the limits dept, they would advise me what to put in there.
So business got crazy. From the very first day open, we were getting 200-400 a day in sales. I hired four employees to start work on Saturday. I was told on Wed it would be 24-48 hours to find out what my limits would be raised to.
I got told today by Katie that not only would NO limits be raised, but they were closing my account AND keeping all funds for SIX months! I asked how they could do this because my refund policy was “30-day” so how could they keep the funds for more than 30 days, 60 at most, but no… they were keeping ALL my funds for SIX MONTHS???
So tomorrow, I have four new employees and at 3 o’clock on a Friday, was told that I had NO merchant account. I can’t take sales and have a full sales staff. I am ruined. This company ruined me, AND kept all my funds!!
Chris
February 1, 2012 at 5:28 pm (UTC -7)
I cannot stand the amount of time processing anything over your limit with this firm takes. I spent 3 hours of my time between client, myself and propay to get something just outside my limits processed over a 7 day period. The customer service is closed on the day after thanksgiving the busiest shopping day of the year. If you want 24/7 support DO NOT USE THEM. They are closed more days than I am during a year and I run a small local business.
RC
January 22, 2012 at 9:20 pm (UTC -7)
Thanks for the information guys. I think I’ll just stick with paypal. I get my money immediately, can use my debit card, etc. Sure, 3% is too much, but such is life, and I need the writeoffs anyway. Good luck.
Tannya Blackwood
August 1, 2011 at 12:11 pm (UTC -7)
Unhappy! called cust service to make sure I could process a payment that was over my credit limit. They told me it was OK and told me all the info I needed to collect from customer for a customer verification. Did all they asked. Now it has been 6 business days and they still have not done the customer verification and want me to to open another acct before they will do anything. Oh and want to reserve a large portion of the sale for 120 days!
I recommend staying away from ProPay! There are so many cheaper processing companies out there that actually have good customer service.
Priscilla Rothwell
September 15, 2011 at 5:13 pm (UTC -7)
I agree! I would stay completely away from these thieves! They are quick to charge your client/customer’s credit cards, but you will have a very difficult time actually getting the funds to your account. They find all sorts of reasons to keep you from getting your money! I have spent countless hours the last few days trying to sort out my last 6 transactions. I have bothered customers having them sign new receipts, etc, but to no avail. They still say I cannot transfer the funds to my account. I have since refunded all monies to my customers and am using a different credit card company. Plus, their fees are WAY too high compared to others. STAY FAR, FAR AWAY. And, if you need to call, allow at least 30 minutes per call! They are extremely slow to answer!
Angie
September 17, 2011 at 11:33 pm (UTC -7)
You may be having difficulty with ProPay. That I won’t argue because I don’t know your circumstance.
However, to say that ProPay is “WAY too high compared to others”…the prices are clearly stated online and this is inaccurate. Even if you pay the full yearly fee, it’s still cheap. Perhaps you’re using it for eBay, in which case it IS more expensive than PayPal. And you’ve always got PayPal as an option for less, which so many “love”. If that’s the case, it’d be appreciated if you clarified.
But for non-eBay merchants, I challenge you to find a cheaper merchant company…please. Then come back and post it. You won’t find a less expensive company. I’ve looked.
Angie
September 17, 2011 at 11:51 pm (UTC -7)
Just as an example of fees, here’s a breakdown I did a couple years ago comparing ProPay to UBC. UBC did have low rates compared to other merchant companies that had the standard monthly fees but they were still more expensive overall than ProPay. You can use the chart comparison to drop in any merchant companies you’d like to compare and contract to see which is best for you.
Kim, I know you’re a fan of United Bank Card, but after Kerry added those additional fees that I had declined when I signed up that suddenly appeared on my statements months later (more than once), along with a few other non-Kerry problems, I’d had enough. I won’t even go into what I had to do at my bank to prevent UBC to keep charging my account after I’d cancelled!
UBC might offer an interest rate that starts at 1.79% for swiped cards, but if I get a card that won’t swipe, an online order, phone order, outside orders given to me by the hostess with the credit card number on the order form, the store and forward won’t work (oh yes, that happened quite a bit), or whatever the reason was that I had to manually enter in the credit card numbers or call for phone authorization, it’s 3.58% with UBC versus the 3.25% with ProPay, so about half my transactions with UBC were MORE than the interest charged through ProPay. I can get ProPay for a yearly fee of $29.95, which includes Internet processing and phone authorization for the same 3.25% rate. (Interest rates go down to 2.99% and a $59.95 yearly fee with the Premium Plus, but let’s stick with the Premium for comparison.) With phone authorization, I don’t need a terminal. I can use my 3-ply receipts for their credit card receipt, so I save money since I already use those and don’t have to buy the heat sensitive receipt rolls for a terminal, too.
I’d like figure out the average fees for each company for the same scenario. ProPay Premium charges a yearly fee of $29.95. UBC charges a yearly fee of $79. ProPay doesn’t charge a fee for statements. They’re available via email/online for free. UBC charges $10 a month for a hardcopy statement fee (even if it’s ONE piece of paper) and an ADDITIONAL $10 if you want an online statement. ProPay charges $.35 per transaction. UBC charges $.25-.30 per transaction. ProPay charges $.30 for each transfer of funds from your ProPay account to your checking (or use the complimentary debit card to use the money for free). UBC doesn’t charge a transfer fee, but they charge a $.35 batch fee each time you send the info from the terminal to UBC in order to process the payments. With ProPay there is no monthly minimum. With UBC, there is a $25 monthly minimum so if you’re not doing the parties or getting many credit card orders (even if you are doing the parties), then that $25 comes out of your pocket instead of your profit. UBC has the money in your account within 3 days and ProPay, the longest I’ve heard is 5 days to get it into your ProPay account and then into your checking account ( or use the debit card when it shows up in ProPay two days).
So let’s take a look at the fees for a year for credit card sales of $200 a month, $1000 a month, and $3000 a month, with the average sale being $50 for 4 transactions at $200, 20 transactions at $1000, and 60 transactions at $3000. I chose those sales amounts to reflect the Party Gal who does a small amount, a mid amount, and a high end volume of sales per month. I’ll use the lowest fees (interest and batch fees) for both so I’m not going to include the wireless terminal because it’d average out to higher transaction fees and another $35 setup fee and $20 a month for Cingular wireless service plan
ProPay at $200/month:
Yearly fee: $29.95 ($2.50/month)
Interest rate: $78 ($6.50/month)
Per Transaction fee: $16.80 ($1.40/month)
Acct Transfer (optional): $15.60 ($1.30 avg/month at one a week)
________________________________________________
Cheaper than UBC: $140.35/year (Minimum fees = $29.95/year)
UBC at $200/month:
Yearly fee: $79 ($6.58/month)
Interest rate: $300 ($3.58 a month but minimum of $25 month required)
Per Transaction fee: $12 ($1/month)
Batch fee: $18.20 ($1.52 avg/month at one batch a week)
Statement fee: $120 ($10/month)
__________________________________________________
$529.20/year (Minimum fees = $499/year)
ProPay at $1,000/month:
Yearly fee: $29.95 ($2.50/month)
Interest rate: $390 ($32.50/month)
Per Transaction fee: $84 ($7/month)
Acct Transfer (optional): $15.60 ($1.30 avg/month at one batch a week)
________________________________________________
Cheaper than UBC: $519.55/year
UBC at $1,000/month:
Yearly fee: $79 ($6.58/month)
Interest rate: $300 ($17.90 a month but minimum of $25 month required)
Per Transaction fee: $60 ($5/month)
Batch fee: $18.20 ($1.52 avg/month at one batch a week)
Statement fee: $120 ($10/month)
__________________________________________________
$577.20/year
ProPay at $3,000/month:
Yearly fee: $29.95 ($2.50/month)
Interest rate: $1,170 ($97.50/month)
Per Transaction fee: $252 ($21/month)
Acct Transfer (optional): $15.60 ($1.30 avg/month at one batch a week)
________________________________________________
$1467.55/year
UBC at $3,000/month:
Yearly fee: $79 ($6.58/month)
Interest rate: $644.40 ($53.70/month at 1.79%)*^
Per Transaction fee: $180 ($15/month)*^
Batch fee: $18.20 ($1.52 avg/month at one batch a week)
Statement fee: $120 ($10/month)
__________________________________________________
(Cheaper than ProPay) $1041.60/$1211.76*/$1381.80^/year
*$750 in sales at 3.58% and $.30 transaction fee for keyed in transactions
^$1500 in sales at 3.58% and $.30 transaction fee for keyed in transactions
(It’s safe to assume that 25% of all sales will have to be keyed in/phone authorizations for any number of the reasons I listed above, though my average was more 50%, which is why I figured out both averages besides the 1.79% for 100% of sales. Either way, having a credit card present or a swipeable card available for ALL transactions is unrealistic.)
Looking at the stats I calculated, if you’re doing a small or mid-range amount of sales, it’s actually cheaper to go with ProPay. If you’ve got a high volume of sales, then yes, UBC is the way to go. There’s a savings of $425.95 from using UBC. However, even though it’s cheaper for high volume sales with UBC, with the keyed in/phone authorized transactions added into the equation, that difference in savings by using UBC then becomes $255.79 if a fourth of transactions are keyed/phoned in and $85.75 if half of the transactions are keyed/phoned in. Realistically, yes, I’D rather have the difference in fees in MY pocket instead of ProPay and if I was doing $3,000 in credit card sales, I’d keep looking. I’m not right now so it’s a better deal to go with ProPay so I DO end up with the extra money in my pocket.
With all rates aside, I just can’t support UBC after all the problems I’ve had. I will NEVER recommend them, even though Party Gals has taken UBC as their “official” merchant account. I was SERIOUSLY disappointed when I realized it was UBC sponsoring the Party Gals merchant account. It would take a MAJOR change in their practices before I’d ever consider UBC as a possibility, though I don’t ever see a change in UBC’s practices or my opinion of them.
Dawn
May 12, 2011 at 2:31 pm (UTC -7)
Stay clear of this unethical organization! I had an account with them for 5 years with no issues, complaints or charge backs from my customers. Yesterday, they sent me an email saying my account was terminated immediately.
I was told my business was high risk & the account should never have been written 5 years ago. Based on their interpretation of my business (inaccurate I might add), they’ve decided my business is high risk, so they said the only way I could keep the account was to give them $1000 to hold for 6 months!
They said no one has looked at my account before this week. (If no one has looked at it in 5 years, what are employees doing there?). My suggestion is to find a reputable company with an educated staff, neither of which you’ll find at Propay.
manling
November 9, 2011 at 5:26 pm (UTC -7)
I agree with you, they did the same with me only less than two years with them, now I have $2800 there, can’t do anything, products were shipped, they want to refund my customer the money, which they already paid through Amex, so they have to pay financial charge to get their money back. How stupid is that! I agree…stay away from that stupid company.
Stephen Taylor
March 17, 2011 at 1:11 pm (UTC -7)
Phillip and Angie:
We at ProPay are pleased to say that we will very shortly have an excellent option for accepting mobile payments. In mid-late April, we will be unveiling the new ProPay JAK, a mobile reader for smartphones. This will allow for real-time swiped transactions, provide card-present discount rates on transactions, allow for you to send e-mail receipts to customers, capture customer signature on your screen, and will work in conjunction with any ProPay account. The new reader will encrypt the moment the card is swiped, so your customers can be confident knowing that their card information is secure with you. Initially, the ProPay JAK will be compatible with all iPhones, iPod Touch devices, and iPads. In the next few months, we will also make it compatible with a number of Droid phones and Blackberry phones as well.
I hope this information helps you.
Regards,
Stephen Taylor
Business Development
stephen.taylor@propay.com
ProPay, Inc.
Angie
March 18, 2011 at 1:00 pm (UTC -7)
Stephen, thank you for the information about the mobile reader for smartphones. Sounds great! I look forward to using it, hopefully, depending on an issue that needs to be resolved. The issue is with a possible contradiction with ProPay. Hopefully you can help because I’m getting different stories from people at ProPay.
I’m an independent in-home romance party owner and have enjoyed ProPay’s customer service and fee schedule so I’ve recommended ProPay repeatedly to numerous romance party reps. Recently, however, there has been talk about whether romance parties are allowed as per ProPay’s terms of use. Scott from ProPay’s Resolutions Department explained via email to a friend (which she forwarded to me) that our business is considered high risk and against ProPay’s terms of use. However, they would accept her account even against policy as long as there were underwritings and reserves. Looking over ProPay’s terms of use, it’s similar to PayPal’s and I was advised that the clause pertains to pornography, phone sex, prostitution, and the like but not to actual products that a customer can physically keep, like lotions and toys. As I’m sure you know, adult novelties are not pornography, which is why Spencer’s sells them out in plain view for any child in the store to see, unfortunately.
The problem I have is ProPay targets their business to romance party reps by offers discounted links. There are specific links designed for each company (eg: Passion Parties) but also a generic one for others who are independent (like myself) or with smaller companies. I was given such a link by Matt Hassler (I believe is his last name) and there was no reserve requirement. So why the contradiction with policy, reserves, and discounted links? Why would ProPay promote these discounted links to romance party reps if it’s against ProPay’s policy? Can you clearly explain what ProPay’s policy regarding in-home romance parties?
I’d appreciate this to be cleared up as soon as possible. I haven’t heard anything back from the email I sent Scott. I’d like to clear up misinformation with the other romance reps I’ve been speaking with, both those who are interested in using ProPay’s service and those who have been steering others away due to the vague policy. More importantly, I’ve always had a positive experience with ProPay and the smartphone mobile reader sounds promising but I need to know whether to renew my account with ProPay because I don’t want to violate ProPay’s policy and risk losing money I’ve collected or have my account closed unexpectedly. I’ve been on hiatus and plan to start back up within the next several weeks so a timely response would be appreciated. Thank you.
Stephen Taylor
March 18, 2011 at 1:41 pm (UTC -7)
Angie:
I would be happy to do what I can to clear up the confusion you mentioned. Could you please provide me with the e-mail address that is associated with your ProPay account? If you do not wish to post it on a public forum, feel free to contact me directly at stephen.taylor@propay.com. By reviewing the notes on your account, I’ll be able to understand your situation better, at which point I will then do what I can to help you clear up this contradiction.
Stephen Taylor
Business Development
stephen.taylor@propay.com
ProPay, Inc.
Angie
March 4, 2011 at 8:36 pm (UTC -7)
You are correct that ProPay is more expensive than PayPal is for eBay purchases. I spoke with someone at ProPay about it and they said they were still new to the eBay game but hoped they would be able to offer more competitive prices in the near future. I hope so because an affordable alternative to PayPal is long overdue.
As for ProPay being expensive, it is if you’re a “well-established, high volume business”. However, for the small business owner, “mobile sales professionals” or independent party consultants (where much of their business is derived), it’s the cheapest I’ve found so far. I did a comparison a few years back between ProPay and United Bank Card (blessedly, my EX-merchant company). In all circumstances, ProPay was cheaper, except if you had more than $3,000 a month in charges.
ProPay does charge $.30 per transfer to your bank account but it’s the same fee whether you transfer $10 or $1000. Plus it doesn’t have a batch processing fee, as many merchants like UBC do. UBC charges $.35 per batch, so on a daily basis, it’s a savings of close to $20 a year by paying the ProPay’s transsfer fee. Plus ProPay occasionally offers 50% discounts on their annual fees, cutting the annual $79.95 fee in half. Once you’ve signed up under the 50% discount, you will receive that discounte every year, as I have. In the years that I have been with ProPay, the fees have remained the same except for the annual fee, which has gone up $20. The per card transaction fee and percentage are the same as when I first signed up with them. If you’d like a breakdown of my comparison, you’re more than welcome to email me and ask. The amounts are off with ProPay slightly because of the additional annual fee. For UBC, I don’t know what their current rates are since I couldn’t not find the information on their website.
Finally, ProPay does offer a wireless MicrosSecure card reader. There is a one-time $99 fee and an additional $20 annual fee but if you have an active Internet account, you can process credit cards in real time on a computer. Otherwise, it stores the information to be uploaded later. It’s not necessary to have the card reader, though. People can still process the card online in about 30-60 seconds or they can process it over the phone, which takes longer.
Phillip Parker
March 6, 2011 at 12:22 pm (UTC -7)
Hi Angie,
Thanks for you insight on ProPay. Personally, I’m not a fan of the MicroSecure card reader because it cannot tell you if the card will clear until you upload it to ProPay. It’s a better alternative to writing down credit card information, but smartphone technology that processes credit cards in real-time is the best way to go if you accept a lot of credit cards as a mobile merchant.
Angie
March 16, 2011 at 11:20 pm (UTC -7)
The MicroSecure card reader can be used in real time as long as you have access to the Internet and I’ve only had one host home not have Internet access because she’d just moved. So you can get instant approval. Just plug it in using the USB card and swipe. It makes it a little quicker than entering the card number manually on the ProPay site at the party, though that is easy and quick enough by itself.
Thanks for the info about smartphone processing. I didn’t know about that and will look into it. Guess there really is an app for that, whatever that may be. One for dishes or laundry and I’d be set.
zerodtkjoe
October 20, 2010 at 2:07 am (UTC -7)
Thanks for the info