Total Apps

If you want to stay competitive, you simply must offer mobile credit card processing for your customers. Mobile credit card processing is a low-cost, high-yield form of credit card processing that expands your options and allows you to better serve your customers in a quick, easy, and convenient way. Plus, it’s the biggest trend in credit card processing right now, so you can bet your competitors have already jumped on board.

What is Mobile Credit Card Processing?

Mobile credit card processing affords you and your customers a unique and revolutionary way to do business. Instead of using a traditional card terminal or point-of-sale device, mobile credit card processing allows you to turn your iPhone, Android, BlackBerry, or other type of cell phone into a bona fide portable card processor. There’s no need to purchase additional equipment; all you need is your existing phone, a processing provider, and a customer who wants to make a purchase. Then, as long as you have cellular reception, you can complete that purchase, processing credit and debit card payments on the spot.

How Does Mobile Credit Card Processing Work?

With mobile credit card processing, you simply need a processing provider and a minor piece of software installed on your cell phone. Then, when a customer is ready to make a purchase, you need only to type in the transaction amount and customer’s credit card number into the software. Once you submit the payment, the transaction is processed digitally and securely through your processing provider. There’s no waiting and no hassle. Best of all, you can even choose to email your customers a receipt and save on printing and paper costs.

You can also opt to use a card swiping device in tandem with your mobile credit card processing. These devices simply plug directly into your cell phone’s headphone jack, and allow you to process transactions faster and easier. Instead of typing the customer’s card number into your phone’s processing software, you’ll only need to enter the transaction amount. Then, swipe the customer’s card through the swiping device, and in a matter of seconds, the purchase will be complete.

How Mobile Credit Card Processing Benefits Your Business

The unparalleled mobility of mobile credit card processing can mean huge things for your business. No longer are you tied down to a card terminal or processing device in a store, on a front counter or at a cash register. You can take your business anywhere in the world your customers demand it. Make a sale on a plane, thousands of feet in the air. Accept purchases at a trade show or out-of-town convention. Take to-go orders over the phone, and process them easily and simply through your cell. The options are endless.

Your customers will love it, too. They’re not forced to head up to your brick-and-mortar location to make a purchase, and they can use their credit card or debit card anytime they want to make a purchase. It’s quick, it’s easy, and it will keep them coming back for more time and time again.

Best of all, mobile credit card processing is extremely low cost. Merchant fees are minimal, and there’s no overhead cost for set-up or equipment. With all this combined, you can lower your card processing costs and increase your sales all at the same time; that can mean big things for your bottom line.

Selecting the Best Mobile Credit Card Processing Provider

There are hundreds of mobile card processing providers out there, so it’s important to be diligent when choosing which one is right for your business. Many providers charge hefty per-transaction fees or make you pay expensive set-up and application fees. Make sure you settle on a provider that offers you the most bang for your buck. Specifically, they should provide:

• Low merchant rates and fees.
• Included software for your phone (iPhone, Android, or BlackBerry).
• Options for hardware and swiping devices.
• 24-hour approval for transactions.
• Constant customer support.
• Minimal set-up or application fees.

Want to learn more about mobile credit card processing or begin offering it at your business? Contact Total Apps today to get started.

Resources:

• Mobile credit card processing reviews
• Comparison of mobile processors
• How mobile processing works