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So You Want To Accept Credit Card Payments On Your Phone

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Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.
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    Mike Negron

    I have been an avid user of Square for the past 7 years and have had nothing but great things to say about it. I was just looking around to see what else is out there. Someone mentioned to me a site where the customer pays the fees and all the merchant pays is like $20 month. I have yet to find the site to review it, but this to me sounds like a great opportunity… yet may be too good to be true …

      Chris Stinchfield

      Thank you, very informative. One question though, you mentioned PayPal in your article but did not include it in your comparison chart. Any reason why not? That is one of two that i’m considering. Thanks!

        This comment refers to an earlier version of this post and may be outdated.

        Jessica Dinsmore

        Hi Chris,

        Our comparison charts are limited to our top 5 choices, and Paypal didn’t quite make the cut. It’s still a great choice for many businesses though!

          This comment refers to an earlier version of this post and may be outdated.

          Peter Walker

          How much “data” are we likely to use up on our mobile phone monthly if we process 100 credit card transactions per month? Is it significant? We have a small plan to start with (500mg /month) but do little else other than e-mail.

            This comment refers to an earlier version of this post and may be outdated.

            Melissa Johnson

            Hi, Peter!

            That’s a good question. According to Square, the average card transaction is about 10kb of data, and logging into the app uses about 8kb of data. As far as I have read, that’s typical of any mPOS app. There’s additional data usage for things like sending receipts or failed transactions, but all of it is quite small when you consider that 1 megabyte = 1000 kilobytes.

            The list is available here:

            Square also says you shouldn’t need more than a basic data plan. However, if you use email, that will also eat up data, and I can’t give you any idea of how much. And exact data usage rates will depend on which processor you choose (some may use more data than others). However, you shouldn’t have to worry about a mobile processing app eating up all your data, so long as you monitor your usage overall. You can also take advantage of wi-fi where it is available, which will cut down on your data usage.

            Hope that helps!

              This comment refers to an earlier version of this post and may be outdated.

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