Best Mobile Credit Card Processors

shutterstock_210703552Mobile processing is growing in popularity, opening up businesses of all sizes and types to accept payments. Using just a mobile device and a card reader, merchants can accept credit cards anywhere, including at conferences and trade shows. This feature has made this type of payment processing popular even for bricks-and-mortar locations that already have POS systems in place.

But with so many merchants eager to accept mobile payments, the race is on to win businesses over. Almost every credit card processing service now provides card readers that can connect directly to a person’s mobile device. Finding the right service can help a business enjoy significant cost savings over the course of several years. Here are a few things you should look for as you search for a mobile credit card processing service for your business.

Security is a Priority

As your search begins for a mobile payment processing service, security should be among your top priorities. You’ll be swiping credit card information into the portal, so you need to know protections are in place to keep your customer data top secret. Flagship Merchant Services uses the mobile application, interacting with a free ROAMpay card reader. specializes in processing payments securely, handling mobile payments the same way it takes care of cards that are swiped in a dedicated card swiper in a store.

With Flagship Merchant Services’ app, a user’s device is checked for legitimacy with each login. This helps prevent information from being accessed from an unauthorized device, reducing the risk of a successful hacking attempt. Both the app and the card reader are free to Flagship Merchant Services’ customers, so merchants can only benefit from trying it out.

Device Compatibility

Many merchants offer mobile credit card processing for iPhone and iPad users. However, Android holds 84.7 percent of the smartphone market. Your first priority will likely be in finding a processing service that offers support for the device your business currently has.’s MobilePay G4X Swipe is compatible with both iOS and Android devices, making it a possibility for those businesses who have difficulty finding mobile payment options that are compatible with their operating systems.

If your device’s operating system is Windows- or Blackberry-based, your search may take longer. There are options available, such as Cayan’s MerchantWARE Mobile app that works with all four operating systems, but credit card numbers may have to be entered manually since no reader is mentioned.


Despite the promise of free setup and equipment, mobile credit card processing isn’t without fees. In some cases, merchants will charge a higher rate for each swipe while in others, a monthly fee or minimum transaction volume will be charged. If your business is processing a high volume of transactions each month through traditional swipes, you may be able to negotiate for a lower fee as part of your services. If you are just starting out and have a lower transaction volume, you may have to wait to be able to negotiate.

Whatever your situation, you can benefit from taking the time to shop various credit card processing providers for the best rates. Flagship Merchant Services has been listed as having among the lowest rates in the industry, with rates as low as 19 cents per transaction. If you currently have payment processing services, check with your provider for a competitive rate but if you’re just starting out, you have the luxury of shopping around.

Mobile credit card processing gives you the flexibility you need to process payments wherever you are. With competitive rates and free equipment, many merchants have found they can add this feature to their business affordably.

Posted on Monday, October 6th, 2014