iPhone Virtual Terminals: The Mobile Merchant’s Friend

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iphone credit card processingI love my iPhone. It’s fun, it’s cool, it even helps me be more productive with all of its business/productivity apps. I wish I could mess around with it more (don’t have time), but I still love the possibilities it offers me.

The iPhone is a disruptive technology because it’s changed the way most of us live. It’s one of those things that makes us wonder how the heck we lived without it in the first place. There’s always an app for that. 🙂

One app in particular has emerged as the perfect solution for the mobile merchant/freelancer/business owner. The iPhone credit card terminal, which basically turns your iPhone into a virtual terminal where you can process credit cards on the go. How cool is that?

Seriously a godsend to all of us freelancers because now we can get paid right then and there. No need for a wireless or mobile terminal. We just plug the numbers into our phone, and booya! Money! Much better than lugging around one of those bulky overweight netbooks.

Who can benefit? The list is really endless…

  • Consultants
  • Street Fair Vendors
  • Contractors
  • Food Delivery Companies
  • Babysitters
  • Photographers
  • Etc…

Any and all mobile professionals…period.

We already have quite a few software developers and merchant service providers jumping on this bandwagon, but expect to see everyone else climb aboard in the next few years.

Chances are, these smart phone apps are gonna eliminate the need for those old mobile terminals.

And, what does the future look like?

Business owners are gonna adopt the iPhone or something similar, as a POS system for their products. Using barcode scanners like RedLaser, they can allow customers to scan a product through their phone, and buy it right then and there.

Imagine walking into your favorite grocery store, you load up your cart with groceries, scanning each item with your phone. Once you’re all done, you press “Pay”, the money is deducted instantly from your checking account, and you walk right through the front door. No line, no cashiers.

Interested in setting up an iPhone credit card terminal for your small business? Read about the 5 Best Mobile POS Systems and find out what the iPhone 7 means for iPhone credit card processing.

Amad Ebrahimi
Amad has worked in the eCommerce and online marketing world since 2002. He started as an eBay seller, then slowly graduated to building & marketing his own websites and consulting others to do the same. He founded Merchant Maverick out of frustration with all the misinformation and shady tactics that he encountered when trying to find a merchant account for his and his client's businesses. He's the man behind most of the merchant account reviews, and articles posted on MerchantMaverick.com. Have any questions related to credit card processing? Talk to him.
Amad Ebrahimi
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    Is it possible to use the iphone credit card terminal on an iPhone 6, one that is the previous version? I have a small Children’s Consignment Boutique, how does one present this idea to the public? Do you find that folks are fearful of giving a credit card to a scanner on a phone, or are they fascinated by the process? People are familiar with square, and feel comfortable with it, but a scanner on a phone?

    Thank You,

    Sasha Russell
    The Pink & The Blue

      Tom DeSimone

      Hi Sasha,

      There are always going to be a few customers who get worried anytime a phone interacts with their credit cards, but most consumers understand that such fears are largely unfounded. Consumers have very low liability for credit card fraud in the US, so most don’t worry too much. The truth is that apps like Flint that use the phone’s camera to scan credit card info are incredibly secure, and the card numbers are never stored on the phone itself. You can read more about the security measures on the services site, and provide that information to wary shoppers should you encounter any.

      All mobile processing apps (while have largely replaced iPhone virtual terminals) that I’ve seen do work with the iPhone 6. Browser-based virtual terminals are compatible with any device that has a web browser.

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