If you’re looking for a convenient way to accept credit card payments on the go, mobile credit card processors can be a game-changer for small businesses. But with so many options out there, it can be difficult to determine which mobile credit card processor is the best fit for your needs.
Before making a decision, there are several factors to consider. First and foremost, it’s important to compare pricing structures. Some processors charge a flat transaction fee, while others charge a percentage of the sale. Assessing your sales volume and average transaction size can help you determine which pricing structure will be most cost-effective for you.
Security is also a critical factor to consider. Make sure the processor you choose uses encryption technology to protect customer data. Additionally, it’s important to consider whether the processor is PCI compliant and adheres to industry standards for data security.
If you’re still unsure which mobile credit card processor is right for you, ask yourself these questions: Do I need a processor that accepts both traditional credit cards and digital wallet payments? What kind of reporting and analytics features do I need? How important is customer support to me? By asking these important questions, you can be confident in your decision when choosing the best mobile credit card processor.
10 Best Mobile Credit Card Processors
| # | Product Image | Product Name | Product Notes | Check Price |
|---|---|---|---|---|
|
1
|
 |
The product is ideal for reading and processing financial information from credit cards using a USB connection.
|
|
|
|
2
|
 |
The product is ideal for reading magnetic stripe credit cards and used in bank systems, cash registers, and ID authentication.
|
|
|
|
3
|
 |
Ideal for small businesses to accept credit card payments on-the-go using their smartphone or tablet with a headphone jack.
|
|
|
|
4
|
 |
The product is ideal for accepting contactless and chip payments, with an included magstripe reader.
|
|
|
|
5
|
 |
The product is ideal for businesses with a POS system that require credit card payments to be processed.
|
|
|
|
6
|
 |
The product is ideal for those in need of a budget-friendly unlocked smartphone with multiple SIM card slots and expandable storage.
|
|
|
|
7
|
 |
It is ideal for reading credit card data at point of sale, access control, ID verification and data collection.
|
|
|
|
8
|
 |
The product is ideal for secure credit card transactions using WiFi connectivity.
|
|
|
|
9
|
 |
The product is ideal for accepting card payments on the go, with a cradle that holds the card reader securely.
|
|
|
|
10
|
 |
The product is ideal for processing credit card payments with advanced security features and fast transaction times.
|
|
1. Smartcard Usb Reader: Fast & Portable Banking Access
Looking for a versatile and reliable smart card reader? Look no further than this product! With compatibility across a range of systems, including Windows 98/me/2000/xp/vista/Win7(32bit&64bit), Mac OS X, and Linux or above, this reader is a great choice for anyone looking for an easy-to-use and flexible solution.
One of the key features of this reader is its compatibility with the Microsoft USB-CCID driver. This means that it supports both T0 and T1 protocols, making it a great choice for a wide range of applications. In addition, the reader is compatible with a range of memory cards, including I2C memory cards, SLE4418, SLE4428, SLE4432, SLE4442, SLE4436, SLE5536, SLE6636, AT88SC1608, AT45D041 cards, and AT45DB041 cards.
Another great feature of this smart card reader is its support for the PC smart card industry standard – PC/SC 1.0/2.0. This allows for easy integration with a range of applications, making it a great choice for both personal and professional use.
In addition to its compatibility and flexibility, this reader also supports power saving mode, allowing for efficient and eco-friendly use. And with its USB 2.0 full speed support, it offers fast and reliable data transfer.
Last but not least, this smart card reader also supports EMV Level 1 specification, ensuring that it meets the highest standards of security and reliability.
2. Zyyini Mini Card Swiper: Fast & Secure Transactions.
Introducing the Card Wiper, a practical and reliable tool to meet your daily needs. This lightweight and aesthetically pleasing device is equipped with a USB interface, allowing for easy plug-and-play without the need for additional drivers.
The Card Wiper supports two-way swiping, adhering to technical ANSI/ISO standards while also offering keyboard emulation or serial RS 232 port output. This feature ensures compatibility with a wide range of devices and systems including banking systems, cash register systems, ID authentication systems, member management systems, and query systems.
One of the key features of the Card Wiper is its integration of the F2F decoding magnetic card. This allows for seamless magnetic card decoding and data transfer functions in one. With a simple swipe, you can easily transfer data to your system with ease.
3. Square Reader,usb For Magstripe (With Headset Jack)
The Square Point of Sale app provides a reliable and user-friendly payment processing solution for businesses of all sizes. With the ability to accept all major credit and debit cards, including Visa, Mastercard, Discover, and American Express, merchants can enjoy a low rate of just 2.6% + $0.10 per swipe with no hidden fees.
Tracking earnings and reviewing sales history is effortless with the Square Point of Sale app, which is available for download at no cost. Businesses can benefit from the convenience of this app by accessing it on both Apple and Android devices that are equipped with a 3.5 mm headphone jack.
Notably, charging the device is not necessary, which makes it even more convenient for businesses on the go. The Square Point of Sale app provides accurate and prompt payment processing, which is vital in today's fast-paced business environment.
With its easy-to-use interface and comprehensive features, the Square Point of Sale app is an excellent solution for businesses looking to streamline their payment processing procedures. By using this app, merchants can save time, reduce costs, and improve their overall customer experience. Overall, the Square Point of Sale app is a reliable and cost-effective option for businesses looking to improve their payment processing capabilities.
4. Square Reader For Contactless And Chip (With Magstripe Reader Included)
The Square Reader is an innovative and reliable payment processing system that enables businesses to accept various forms of payment with ease. With a low transaction fee of 2.6% and 10 cents per swipe, businesses can save money on payment processing while enjoying the convenience of accepting Visa, Mastercard, Discover, and American Express cards.
The Square Reader goes beyond traditional payment methods and accepts EMV chip cards, Apple Pay, Android Pay, and other NFC payments. This ensures that businesses can cater to a wider range of customers who prefer using digital payment methods.
Connecting the Square Reader to a mobile device is a breeze, thanks to its Bluetooth LE compatibility. Alternatively, businesses can opt to plug it directly into an optional Square Stand and Dock for a more secure and stable payment processing experience.
The Square Reader is designed to be easy to use and charge. Business owners can charge it easily with the included micro USB cable. This ensures that it is always ready for use whenever it is needed.
5. Credit Card Reader Swipe Usb Hi-Co/lo-Co 1/2/3 Track For Pos System
Introducing the USB Magnetic Stripe Card Reader, a versatile and reliable tool for businesses and individuals in need of a quick and easy way to read and decode magnetic stripe cards. This device is designed with a USB interface and keyboard emulation, eliminating the need for any software installation to begin reading.
With the ability to read up to three tracks of data when the card is swiped in either direction, this reader can decode high and low coercivity magnetic stripe cards. Its long life read head is capable of reading up to 1,000,000 card swipes, ensuring that this device will last for many uses to come. Additionally, it can read encoded cards that meet ISO/ANSI/AAMVA and CADMV standards.
This USB Magnetic Stripe Card Reader is compatible with a wide range of USB-capable systems, including Windows and Mac operating systems. It is also versatile in its application, working seamlessly with TXT, notepad, Word, Excel, POS systems and more.
This card reader is perfect for a variety of applications, such as POS, banking, loyalty programs, access control, ID verification and more. Its configuration software allows for easy customization of settings to fit specific needs.
6. Triple Sim Blackview A55: The Ultimate 4g Android Phone
Introducing the Blackview A55, an ultra-thin and lightweight unlocked smartphone packed with impressive features. This phone boasts a powerful 4780mAh battery that can last the whole day, with standby time of up to 200 hours. Its intelligent AI battery management system reduces excessive cache to save more power, making it a cost-effective phone for regular use.
The Blackview A55 features a 2+1 card slots design, allowing you to use two Nano SIM cards and an SD card simultaneously. With 3GB RAM and 16GB ROM, as well as a 2.0GHz low-power processor, the Micro SD memory card can expand up to 128GB storage, giving you ample space to download more movies, pictures, and run more apps.
Enjoy an excellent viewing experience with the 6.528" HD+ waterdrop display and 720*1600 resolution. The screen has a brightness of 400 nits, providing good clarity even in bright sunlight. The Blackview A55 is equipped with an 8MP mind camera and 5MP front camera, allowing you to capture your wonderful moments. It also supports multiple shooting modes such as panorama, time-lapse, and professional.
The Blackview A55 runs on the latest Android 11 OS and Doke OS 2.1 system, which provides an optimized dark mode, chat bubbles, parental control mode, and an elegant and user-friendly interface. It also supports GPS, GLONASS, and BEIDOU navigation, making it your reliable partner when you need to go to an unfamiliar place.
This smartphone is compatible with 4G GSM network carriers like AT&T, Cricket Wireless, T-Mobile, BTC, Metro PCS, Tello Mobile, Orange Congo DRC/Airtel/Vodacom/Africell, Movistar, Telcel, Tigo, Claro, etc. However, it cannot work with CDMA Network Carriers like Verizon and Sprint. Blackview provides a two-year warranty service, ensuring that you receive the best quality product and after-sales service.
7. Posunitech Swipe Card Reader: Efficient Pos Solution.
The Posunitech Magnetic Credit Card Reader is a small but powerful machine that is designed to cater to the needs and demands of customers. Its ergonomic design ensures that it is both simple and effective. The genuine material used in its construction not only adds to its aesthetic appeal but also ensures that it functions flawlessly. The unique cable management system that comes with the device keeps your workspace neat and clean, making it easy to use.
The credit card reader is incredibly easy to use, thanks to its "plug and play" feature. Simply connect it to your desktop or laptop computer using the provided USB cable, and you're good to go. No further software or power supply is required. When the swiper light turns green, the device is ready to use. This feature makes it a convenient option for businesses of any size.
This low-cost card reader is fully configurable and has three tracks, which makes it versatile enough to perform a variety of functions in your business. It can be used to accept payments, collect data, limit access, verify identification, and keep track of time. This makes it a cost-effective option for businesses that are looking to streamline their operations.
The Posunitech Magnetic Credit Card Reader is compatible with both Windows and Mac operating systems, which makes it a versatile option for businesses that use different types of computers. It can be used on both desktop and laptop computers, making it a flexible option for businesses of any size.
The device is designed to read magnetic card swipes in both directions, which improves the reading of high jitter, scratched, and worn magstripe cards. The device's reliability is further boosted by its ability to handle over 1,000,000 card swipes. This ensures that the device delivers a consistent performance and is a reliable option for businesses that need to process a large number of transactions.
8. Fd150 Emv Secure Credit Card Terminal With Wifi
The FD150 is an advanced and upgraded device from First Data, designed to replace the FD130 which will be discontinued from April 2019. This new device offers a range of benefits and features that make it an ideal choice for merchants looking to upgrade their payment processing capabilities.
One of the key features of the FD150 is its compatibility with the RP10 pinpad. This pinpad has been specifically designed to pair with the FD150, providing a seamless payment experience for customers. It is important to note that the FD35 pinpad will not work with the FD150, so merchants should ensure they have the correct pinpad to ensure full functionality.
Another great benefit of the FD150 is its multi-merchant capability. This allows multiple businesses to use the same device, making it a cost-effective solution for businesses that share a location. This feature also makes it easier for merchants with multiple businesses to manage their payment processing needs.
The FD150 is also NFC, contactless, Apple Pay, Samsung Pay, and Google Pay enabled. This means that customers can easily make payments using their mobile devices, providing a fast and convenient payment solution. The device is also WiFi ready, which offers additional flexibility for businesses that require wireless connectivity.
9. Sumup Plus Card Reader Cradle
The SumUp Air Cradle is the ultimate solution for keeping your card reader fully charged and accessible at all times. With its fast charging capabilities, it guarantees that you will never have to interrupt a transaction due to a low battery. This cradle is also the perfect accessory for any countertop payments, ensuring that you can take any payment with ease while keeping your card reader customer-facing.
The cradle is designed with both practicality and customer satisfaction in mind. Its anti-split rubber foundation ensures that it stays firmly in place on any surface, while the matte white finish gives it a sleek and professional look. The cradle is also customer-friendly, as it highlights that you accept card payments and makes it easy for customers to swipe their cards.
The package includes the SumUp Air Cradle and a Micro USB cable that measures 1 meter long. Please note that the SumUp Air Card Reader is not included in the package and must be ordered separately. This cradle is compatible with the SumUp Air Card Reader, which is designed to accept all major credit and debit cards, as well as contactless payments.
10. Verifone Vx520 Dc Emv Credit Card Terminal
The Verifone VX520 with Smart Card is an exceptional payment terminal that opens up new opportunities for businesses to generate recurring revenues from value-added applications. With an impressive increase in memory capacity, the standard 160 MB has been boosted to over 500 MB, allowing for a wide range of applications and services to be offered.
The package includes the terminal, power supply, and 1 roll of paper, making it a complete solution for businesses that want to streamline their payment processing. The manufacturer part number is M252-753-03-NAA-3, ensuring that businesses receive a genuine product with all the necessary features and specifications.
One of the key features of the Verifone VX520 with Smart Card is its dual EMV condition, which ensures that businesses can accept payments from both chip and magnetic stripe cards. This adds an extra layer of security to transactions, reducing the risk of fraudulent activity.
In addition to its security features, the Verifone VX520 with Smart Card is also highly versatile and user-friendly. Its large display screen and intuitive interface make it easy for customers to enter their payment information, while the terminal's fast processing speed ensures that transactions are completed quickly and efficiently.
Best Mobile Credit Card Processors FAQs
Are there any hidden fees associated with mobile credit card processing?
Mobile credit card processing usually involves fees that are disclosed upfront, but it's always important to read the terms and conditions carefully to avoid any surprises. Some of the fees associated with mobile credit card processing include transaction fees, monthly fees, chargeback fees, and equipment fees.
Transaction fees are charged each time a credit card transaction is processed, typically a percentage of the sale amount plus a flat fee. Monthly fees may be charged for access to the mobile processing platform or to cover the cost of equipment rental. Chargeback fees may be assessed if a customer disputes a charge and the transaction is reversed. Equipment fees may be charged if the merchant needs to purchase a mobile card reader or other equipment.
It's important to shop around and compare different mobile credit card processing providers to find the one with the most transparent fee structure and the best value for your business needs. Additionally, merchants should consider negotiating fees with their chosen provider to potentially reduce costs.
Can mobile credit card processors integrate with my existing POS system?
Yes, mobile credit card processors can integrate with your existing POS system. In fact, many mobile credit card processing companies offer integrations with popular POS systems such as Square, Shopify, and Clover.
To integrate a mobile credit card processor with your existing POS system, you will typically need to download and install a software plug-in or app that allows the two systems to communicate with each other. This will enable you to accept credit card payments through your mobile device and have the transaction data automatically synced with your POS system.
It is important to note that not all mobile credit card processors will integrate with every POS system, so it is important to research and confirm compatibility before making a decision. Additionally, some integrations may require additional fees or setup time, so be sure to factor these considerations into your decision-making process.
How do mobile credit card processors compare to traditional credit card processing solutions?
Mobile credit card processors and traditional credit card processing solutions have some similarities as well as differences. Traditional credit card processors require expensive hardware and software installations, whereas mobile credit card processors can be easily downloaded on smartphones or tablets. Mobile processors are also cheaper and more convenient, making them popular among small businesses and individuals who require a portable payment solution. On the other hand, traditional processors offer more advanced features, such as integration with accounting software, chargeback management, and customer data tracking. They also offer advanced security features, including encryption and tokenization, which protect customer data from fraud and theft. Additionally, traditional processors offer better customer support, with dedicated account managers and 24/7 technical assistance. Overall, the choice between mobile and traditional credit card processors depends on the specific needs of your business. If you require advanced features and security, traditional processors may be the better choice. However, if you prioritize convenience and affordability, mobile processors may be the better option.
How much does it cost to use a mobile credit card processor?
The cost of using a mobile credit card processor varies depending on the provider and the services offered. Generally, mobile credit card processors charge a percentage of each transaction as a processing fee. This fee typically ranges from 2.7% to 3.5% of the transaction amount, but can vary based on factors such as the type of card used, the industry, and the volume of transactions. Some providers may also charge additional fees for features such as chargebacks or monthly subscription fees for access to their platform. It's important to research and compare different providers to find one that offers the best value for your business needs. Factors to consider when comparing providers include pricing, ease of use, security features, and customer support.
How secure are mobile credit card processing transactions?
Mobile credit card processing transactions are generally secure, provided you take the necessary precautions. Most mobile payment processors use advanced encryption technology to protect sensitive information, such as credit card numbers and personal data. This ensures that data transmitted between the mobile device and the payment processor remains secure and cannot be intercepted by hackers or other malicious entities.
However, it is important to note that mobile devices can be vulnerable to hacking and other security threats. To minimize the risk of a security breach, make sure you use a reputable mobile payment processor, keep your mobile device up to date with the latest security updates, and avoid using public Wi-Fi networks when processing transactions.
You should also implement additional security measures, such as requiring a PIN or password to access the mobile payment processing app, and using two-factor authentication to verify transactions.
Overall, mobile credit card processing transactions can be secure, but it is important to take the necessary precautions to protect sensitive information and minimize the risk of a security breach.
What are the benefits of using a mobile credit card processor for small businesses?
Mobile credit card processors have become increasingly popular among small businesses due to their convenience and flexibility. Here are some of the benefits of using a mobile credit card processor:
1. Increased sales: By accepting credit card payments, small businesses can increase their sales and revenue as customers are more likely to make purchases when they have the option to pay with a credit card.
2. Convenience: Mobile credit card processors allow small businesses to accept payments on the go, which is especially useful for businesses that operate at events or markets where traditional payment methods may not be available.
3. Lower costs: Many mobile credit card processors offer lower transaction fees than traditional credit card processors, which can help small businesses save money in the long run.
4. Improved cash flow: Mobile credit card processors allow small businesses to receive payments quickly, which can improve cash flow and help businesses manage their finances more effectively.
5. Enhanced customer experience: By offering the option to pay with a credit card, small businesses can provide a more convenient and seamless customer experience, which can help improve customer satisfaction and loyalty.
Overall, using a mobile credit card processor can provide small businesses with a range of benefits that can help them grow and succeed in today's competitive marketplace.
What are the top-rated mobile credit card processors on the market today?
There are several mobile credit card processors available in the market today, each with its own unique set of features and benefits. Square, PayPal Here, and Shopify are among the top-rated mobile credit card processors on the market today. Square offers a free card reader and a simple pricing structure with no monthly fees, making it a popular choice for small businesses. PayPal Here allows merchants to accept PayPal payments in addition to credit and debit cards, and offers competitive transaction fees. Shopify provides a complete e-commerce platform with mobile credit card processing capabilities, making it a great choice for businesses that operate both online and offline. Other notable mobile credit card processors include Stripe, Intuit QuickBooks GoPayment, and SumUp. When choosing a mobile credit card processor, it's important to consider factors such as pricing, ease of use, security, and customer support to find the best fit for your business needs.
What features should I look for when choosing a mobile credit card processor for my business?
When selecting a mobile credit card processor for your business, there are several features to consider. First, you want to make sure that the processor is compatible with your mobile device and operating system. Some processors only work with certain devices or platforms, so it's important to do your research and find one that works with what you have.
Next, you'll want to consider the fees associated with the processor. Look for a processor that offers transparent pricing with no hidden fees or long-term contracts. You may also want to compare transaction fees and processing rates to find the most cost-effective option for your business.
Security is also a critical feature to consider. Look for a processor that uses secure encryption technology to protect your customers' sensitive information.
Another important factor is the level of customer support the processor offers. You want to choose a processor that has a responsive customer service team available to help you with any issues or questions you may have.
Finally, consider the additional features and capabilities the processor offers, such as the ability to accept various payment methods, generate sales reports, and integrate with other business tools you use. By considering all of these factors, you can choose a mobile credit card processor that meets the needs of your business.
What kind of customer support is available for mobile credit card processing services?
Mobile credit card processing services usually provide various avenues for customer support. The most common forms of customer support include email, phone support, and live chat. Email support is usually available 24/7, and customers can expect a response within 24-48 hours. Phone support is usually available during business hours, and customers can speak directly to a customer support representative. Live chat support is also becoming increasingly popular and is usually available during business hours.
In addition to these forms of customer support, mobile credit card processing services may also have a knowledge base or help center available on their website. This can include articles, tutorials, and frequently asked questions that can help customers troubleshoot issues on their own.
It's important to note that the level and quality of customer support can vary between mobile credit card processing services. It's a good idea to research the customer support options before choosing a provider to ensure that they have the level of support that meets your needs.
What kind of reporting and analytics options are available with mobile credit card processing services?
Mobile credit card processing services offer a range of reporting and analytics options to help businesses manage their payments and transactions. Some of the key reporting features include real-time transaction monitoring, sales reports, and inventory management. Many mobile credit card processing solutions also offer detailed analytics capabilities, including data on customer behavior, sales trends, and inventory levels.
Most mobile credit card processing services offer a dashboard or reporting portal that allows businesses to access and analyze their payment data. This can be accessed through a web-based interface or a mobile app. Some mobile credit card processing services also offer integration with popular accounting and bookkeeping software, such as QuickBooks, to streamline financial reporting and record keeping.
Overall, businesses of all sizes can benefit from the reporting and analytics features offered by mobile credit card processing services. By gaining insights into customer behavior and sales trends, businesses can make more informed decisions about their products and services, and optimize their operations for greater efficiency and profitability.