Being able to accept mobile payments lets your business close sales anywhere – from events to in-store checkouts. Customers expect fast, flexible options, so enabling credit card payments directly on your phone ensures you never miss a transaction.

With just a smartphone or tablet, you can take credit card payments on your mobile phone using a card reader or even without one through tap-to-pay and app-based payment solutions.

To successfully accept mobile payments, you’ll want to choose the right device, provider, and security setup before getting started.

GET STARTED TODAY

Accepting Mobile Credit Card Payments

1. Own a Business

Mobile credit card payment providers will require that you prove you have a business before you can sign up to use the service. However, almost any business of any size can get approved no matter what you sell or the service you provide.

2. Pick Your Mobile Device

To accept mobile payments, all you need is a compatible smartphone or tablet. Most devices already work with leading payment apps, so you won’t have to purchase new hardware to get started. You can take credit card payments on a phone using the device you already own.

One option is to use a small, pocket-sized card reader that connects through your phone’s charging port or wirelessly. These readers make it easy to swipe, dip, or tap cards without carrying bulky equipment.

However, a mobile reader isn’t always required. Many providers let you process transactions by manually entering card details into your phone, or by using tap-to-pay technology built directly into your device. Some services also require a mobile payment app, which pairs with your device and card reader to complete secure transactions.

3. Select a Mobile Payment Processor

The most important aspect of accepting credit card payments on mobile is choosing the right service provider. You will have to compare startup costs, fees, and compatibility.

When you begin researching companies to work with, you’ll find competitive transaction fees and a free application process. While you’ll find similar functionality between services, you’ll need to pay close attention to fees and other hidden costs.

4. Secure Your Device and Transactions

Before you accept mobile payments, it’s essential to keep your smartphone or tablet secure. Always install the latest operating system updates and payment app upgrades to make sure transactions run smoothly from the start.

To protect customer data when you take credit card payments on your phone, only download apps from trusted providers. Add extra safeguards like a password, PIN, or biometric lock so sensitive information stays safe even if your device is lost or stolen.

5. Start Accepting Mobile Payments

Once your mobile payment app is set up, you can start taking credit card payments on your phone with or without a card reader. Before serving customers, run a quick test transaction to confirm everything is working properly and avoid delays during busy sales times.

Are you looking for a trusted ecommerce merchant services provider that allows you to accept mobile payments? Call us today or fill out our online application.