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How To Accept Credit Card Payments On Your Phone: The Complete Guide To Mobile Credit Card Readers

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Jason Vissers

Jason Vissers

Jason Vissers is a writer and cereal chef from San Diego. He graduated with a Political Science degree from San Diego State University in 2001. He's been writing about website builders, crowdfunding sites, online lenders, and credit cards for Merchant Maverick since 2015. Additionally, Jason can't eat raisins.
Jason Vissers

🌟 Get Started With Square 🌟

Square



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Square has a full suite of tools for both in-person and online sales.

🌟 Get Started With Square 🌟

Square



Visit Site

Read our Review

Square has a full suite of tools for both in-person and online sales.

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7 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Stasha

    We are a consulting service company. We do not have a brick and motor office. We make all of our sales on the phone with clients for over 20 years. We only take payments for our services by bank wire transfers, bank deposits to our account or bank cashiers checks. We would like to accept credit cards for orders made over the phone.

    What would this credit card process be called?
    What company does offer accepting credit cards for this type of sold services?

      Jessica Dinsmore

      Hi Stasha,

      We have a post on Mail Order/Telephone Order (aka “MOTO”) transactions that details our top six choices of MOTO processors and the types of businesses they support (including high risk, i.e., consulting).

        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 …

          This comment refers to an earlier version of this post and may be outdated.

          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

              Question….
              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: https://squareup.com/help/us/en/article/4963-data-plans-and-sms-policy

                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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