Selecting a Mobile Payment Processing App
Mobile phone credit card processing has only been widely available for a few years, but it has become increasingly popular over that span thanks to the low setup costs and no-commitment agreements offered by most providers. In fact, many businesses are beginning to rely solely on free mobile processing apps for iPhone and Android as their primary means of accepting credit cards. This can be a very cost-effective way to take card payments for certain business types, like trade show vendors, individual contractors, or single-register locations. However, large businesses and high-volume businesses will be best served by using a mobile payment app as a backup processing option.
The following list features the top mobile credit card processing apps for iPhone and Android. We have selected these providers for this list due to their consistently strong pricing, customer support, and customer reviews. All of the apps on this list are available for both iPhone and Android users. Some options will be better suited for small one-register locations, while others are useful additions to full-service traditional merchant accounts. Many of these providers also offer integration with third-party services like QuickBooks or online marketplaces. Be sure to visit each provider’s website to get a full list of current features and pricing.
How to Know Which Mobile Card Acceptance App is Best
When selecting the best credit card processor for a mobile card processing app business in the USA, there are several key factors to consider:
Credit Card Processing Fees
Look for a processor that offers competitive rates and low processing fees. Mobile card processing app businesses typically have higher processing fees than traditional brick-and-mortar businesses due to the added risk of fraudulent transactions.
Mobile Compatibility
Ensure that the processor’s technology is compatible with your mobile app, allowing you to process payments seamlessly on any mobile device.
Security and Fraud Protection
Look for a processor that offers strong security measures to protect your customers’ sensitive information and prevent fraudulent transactions. This is particularly important in the mobile card processing app industry, where transactions are conducted remotely and are thus more vulnerable to fraud.
Integration and Customization
Choose a processor that can easily integrate with your existing systems and offer customizable features, such as the ability to add custom branding to your app.
Excellent Customer Support
Select a processor that offers reliable customer support and assistance in case of any technical issues or concerns.
Compliance
Ensure that the processor is compliant with all relevant laws and regulations, such as the Payment Card Industry Data Security Standard (PCI DSS) and the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Reputation and Reviews
Research the processor’s reputation and read reviews from other businesses in the mobile card processing app industry to ensure that they have a strong track record of providing quality service and support. You can also see our review on this website. Simply search for the processor in the search bar at the top of this page.
By carefully considering these factors, you can select the best credit card processor for your mobile card processing app business and provide a seamless and secure payment experience for your customers.
Top Rated Mobile Card Processing Apps
Helcim
Top Rated for Most Businesses
Based in Calgary, Alberta, Helcim has been providing traditional credit card processing, mobile payment solutions, virtual terminals, and online payment gateways since 2009. The company is rare among merchant services providers in that it fully discloses its pricing on its website for anyone to view. Helcim uses interchange-plus pricing, which adds a flat markup of .18% on all card-present transactions (while a rate of .36% is applied to virtual terminal and online transactions). Helcim offers additional mobile payment processing functionality through its Commerce Mobile application that is available for both Android and Apple devices.
Helcim also does not charge monthly minimum fees, statement fees, application fees, or PCI compliance fees, and it rents terminals out for a monthly rate rather than tying merchants into long-term equipment leases. The company offers month-to-month contracts and does not charge early termination fees. Helcim offers 24/7 support for merchants and has numerous positive testimonials across the internet, including in the comment section of our “A+” review. Helcim also maintains an “A+” rating with the BBB.
Accepting Mobile Card Payments with Helcim
Helcim is an excellent option for small business owners who sell mobile card processing products and need to accept credit card payments from their customers. Here are some of the reason why it is our top choice:
Ease of Use
The platform offers a user-friendly interface that allows businesses to process payments on-the-go, making it a convenient option for those who frequently sell mobile card processing products at trade shows, fairs, and other events. Helcim’s mobile payment processing solution is compatible with both iOS and Android devices, allowing businesses to accept payments from any smartphone or tablet. Overall, the system is modern and intuitive.
Secure Payment Processing
Security is a crucial consideration for businesses when accepting credit card payments, and Helcim takes this aspect seriously. The platform has implemented multiple security measures to ensure that all transactions are processed safely and securely. Helcim is PCI compliant, which guarantees that sensitive data is encrypted and protected from unauthorized access. Additionally, Helcim offers chargeback protection, which helps businesses defend themselves from fraudulent chargebacks.
Affordable Pricing
Helcim offers a unique volume-based pricing model based on Interchange-plus, which is the most transparent pricing model. With volume pricing, businesses get reduced processing fees as their sales grow. This pricing model is designed to offer businesses a more cost-effective option for processing payments as their transaction volume increases.
To qualify for lower fees, businesses must meet increasing levels of monthly transaction volume. Once the threshold is met, Helcim will automatically adjust the processing fees accordingly, allowing businesses to save on their payment processing costs as sales increase.
Helcim’s volume pricing model is transparent and easy to understand, with no hidden fees or surprise charges. Additionally, businesses can take advantage of Helcim’s customer support team, who can help them understand the volume pricing structure and provide guidance on how to optimize their payment processing to maximize their savings.
Helcim is a great option for small businesses that need to accept mobile card payments for their mobile card processing products. With its easy-to-use mobile payment processing solution, robust security features, and affordable pricing, Helcim offers everything that businesses need to accept credit card payments securely and efficiently.
For more information, see the Helcim Website.
Square
Top Rated for New Ventures
Signing up for the company’s payment processing service and payment gateway service is simple: users simply visit Square’s website to fill out a short form and await approval, which typically happens instantly. The credit card readers plug into the headphone jack, charging port, or connects via Bluetooth to a contactless card reader thereby turning almost any Apple or Android device into mobile credit card machine.
Square offers credit card processing that only has one fee: a per-transaction processing fee. The company does not charge any other fees that are typical of credit card processing, such as activation fees, monthly fees, gateway fees, PCI Compliance fees, downgrade fees, and early termination fees. Square has no additional monthly fees whatsoever as well as no monthly minimum processing fees or requirements.
Why Square is a Top Option for Mobile Card Processing
If you’re a small business owner who sells Mobile Card Processing products and need to accept credit card payments from customers, then Square is an excellent option for you. Square is a mobile payment processing company that enables businesses to accept credit card payments easily and securely using their smartphones or tablets. Here are a few reasons why Square is the best option for mobile card payment processing.
Processing Hardware Included
Firstly, Square offers a free magstripe card reader that can be used to swipe credit cards. This feature is especially useful for small businesses that sell Mobile Card Processing products and need to accept payments on the go. The magstripe card reader is small and easy to use, making it ideal for businesses that operate in various locations. Furthermore, Square offers a range of other card readers that can be used to accept chip cards and contactless payments, ensuring that businesses can accept payments from a wide range of customers.
Interface is Very User Friendly
Secondly, Square’s mobile app is easy to use and offers a range of features that can help businesses manage their payments. For instance, the app allows businesses to track sales, manage inventory, and issue refunds. Additionally, Square offers a range of other tools, including invoicing and recurring payments, which can help businesses streamline their payment processing and reduce administrative tasks.
Competitive Processing Prices
Lastly, Square offers competitive pricing for its payment processing services. The company charges a flat rate of 2.6% + 10¢ for most transactions, making it an affordable option for small businesses. Furthermore, Square does not charge any monthly fees or setup fees, which can be a significant advantage for businesses that are just starting.
In conclusion, Square is an excellent option for small businesses that sell Mobile Card Processing products and need to accept credit card payments. With its free magstripe card reader, easy-to-use mobile app, and competitive pricing, Square offers a range of features that can help businesses streamline their payment processing and grow their sales.
For more information, visit the Square website.
Host Merchant Services
Top Rated for Customer Support
Host Merchant Services is a Newark, Delaware-based merchant account provider that offers a free mobile processing app called “HMSPay” along with a free mobile reader for eligible businesses. Host is more than just a mobile payment processor, however, as it also provides point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, gift and loyalty programs, and merchant cash advances. Host Merchant Services specializes in e-commerce businesses but is able to serve mobile merchants just as well.
Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Like Payline, Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model available and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”
Mobile Card Processing: Why Host Merchant Services is a Top Choice
As a small business owner who sells Mobile Card Processing products, it’s crucial to have a reliable payment processing solution that can keep up with your customers’ needs. Host Merchant Services (HMS) is an excellent option for businesses looking for a reliable and secure payment processing solution for their Mobile Card Processing products.
Flexible Processing Solutions
One of the main benefits of HMS is its ability to process mobile payments on-the-go. With their mobile processing solutions, you can accept payments from customers anywhere, anytime. Whether you’re at a trade show or meeting with clients, HMS makes it easy to accept credit card payments with their mobile payment processing technology.
World Class Commitment to Security
Another reason why HMS stands out in the Mobile Card Processing market is their commitment to security. HMS uses the latest encryption technology to ensure that all customer data is secure during every transaction. With fraud and data breaches becoming increasingly common, it’s essential to have a payment processor that prioritizes security.
Competitive Pricing Options
Additionally, HMS offers competitive pricing options for businesses of all sizes. They don’t charge any setup or cancellation fees, and their transaction fees are transparent and affordable. This makes it easy for small businesses to accept credit card payments without breaking the bank.
Host Merchant Services is a top choice for businesses looking for a reliable and secure payment processing solution for their Mobile Card Processing products. With their mobile processing solutions, commitment to security, and competitive pricing, HMS provides small businesses with the tools they need to succeed in today’s mobile payment market.
For more information, visit the Host Merchant Services website or call (888) 727-4538.
PaymentCloud
Top Rated for Emerging Markets
Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving mobile businesses of nearly any type. This includes “high-risk” emerging industries that may have difficulty being approved under more traditional credit card processors. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud provides a dedicated account rep to all new merchants for the life of the account.
The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”
Why PaymentCloud is the Best Choice for Mobile Card Processing Products?
As a small business owner selling Mobile Card Processing products, you need a reliable credit card processing service that can handle your unique needs. PaymentCloud is an excellent option for accepting credit card payments from customers buying Mobile Card Processing products. Here are a few reasons why:
Seamless Mobile Payment Processing
PaymentCloud offers a seamless payment processing experience for your mobile customers. With its mobile payment solutions, your customers can easily make payments using their smartphones, tablets, or other mobile devices.
High Level of Security
Mobile card processing can be a risky business if you don’t have a secure payment processing system in place. PaymentCloud ensures the security of all transactions, ensuring that all sensitive data is protected by the latest encryption technologies. This guarantees peace of mind for both you and your customers.
Easy Integration
PaymentCloud is designed to work with a wide range of mobile card processing products. It is easy to integrate with your existing payment systems, making it a cost-effective solution for your business.
Fast Funding
With PaymentCloud, you get access to fast funding options that allow you to get your money quickly. This means you can use your cash flow to grow your business and invest in new products.
24/7 Customer Support
PaymentCloud provides round-the-clock customer support to help you with any issues or questions you may have. Their knowledgeable and friendly team is always available to assist you, ensuring that your business is always up and running smoothly.
PaymentCloud is a top choice for small business owners selling Mobile Card Processing products who need to accept credit card payments. With its seamless mobile payment processing, high level of security, easy integration, fast funding, and 24/7 customer support, PaymentCloud offers an all-in-one solution that meets your unique needs.
For more information, visit the PaymentCloud website or call (888) 506-7859.