Top 10 Mobile Card Payment Systems

If you are looking into merchant services and need a mobile solution, find a provider that offers one of these great machines.

As a merchant, ensuring that you can accept payments from customers in whatever form they may take is key to success in an increasingly digital world. More and more people are preferring electronic forms of payment, ranging from credit cards to wireless transfer via a smartphone (NFC payments). If you own a small business and are not offering these methods of payment to your customers, you will find it harder to grow your business and compete in your industry.

As companies continue to evolve, so does the way they do business. A salesman could make a sale over the phone just as easily as out in the field, so payment technology must offer mobility as well as functionality. Below is a list of some of the best devices (in no particular order) for accepting electronic payments away from a counter or on-the-go:

Clover Flex

The Clover Flex is one of the newest devices from Clover, offering the capabilities of a countertop POS in the palm of your hand. This device is virtually an all-in-one for sales, inventory, and scaling growth. 

Features:

  • Accepts debit, credit, EMV chips, NFC payments, Apple Pay, Android Pay, Gift Cards, & Cash
  • Track sales in real time
  • Built-in camera and barcode scanner to manage inventory
  • Wireless 3G capability & Wi-Fi
  • Built-in receipt printer
  • Customers can enter pins and electronically sign on-screen
  • Accepts payments even if your system is offline; payments are processed once the device reconnects to your system
  • Shares data with other Clover devices to complete transactions on different devices

Clover Mobile

The Clover Mobile is a hand-held, fully-functional POS system that can be taken to tables, customers in line, and around your establishment. This device offers a tablet-sized screen for easy viewing and data input. 

Features:

  • Accepts debit, credit, EMV chips, NFC payments, Apple Pay, Android Pay, Gift Cards, & Cash
  • Provides faster, more secure transactions and cuts down on wait time
  • Easily connects to other Clover Station or Mini devices for sharing data
  • Protects customer data with end-to-end encryption, data tokenization, and advanced hardware
  • Wireless 3G capability & Wi-Fi
  • 24/7/365 Customer Support

Clover Go

The Clover Go is an ultra-portable electronic payment device that fits in the hand and connects with other Clover devices. This device is also capable of connecting to mobile devices via a bluetooth connection.

Features:

  • Two versions: Clover Go “All-In-One” & Clover Go (Credit and EMV only)
  • Accepts debit, credit, EMV chips, NFC payments, Apple Pay, Android Pay, & Samsung Pay (Represents Clover Go “All-In-One” version)
  • Capable of connecting to mobile devices via a bluetooth connection
  • Protects customer data with end-to-end encryption, data tokenization, and advanced hardware
  • Create multiple tax rates and set custom percentage amounts for tips
  • Email or text paperless receipts to customers
  • Create and manage employee permissions and privileges easily
  • 24/7/365 Customer Support

PayPal Here

The PayPal Here system works through the PayPal Here app downloaded to a smartphone and your choice of a plug-in device or a fully-functioning card reader. This device works through your mobile device, making it very convenient and portable. You can also send invoices via email to charge later.

Features:

  • Compatible with Android, Apple, and Windows devices
  • Accepts debit, credit, EMV chips, NFC payments, Apple Pay, Android Pay, & Samsung Pay
  • Partners with Lavu POS, TouchBistro, Vend Register Software, and ERPLY for additional functionality
  • Two versions: Mobile Card Reader (plugs into mobile device via phone jack, accepts credit and debit only) and Chip Card Reader
  • Control everything from your mobile device: set up user account, manage inventory, add multiple users, and generate reports
  • Gain access to additional PayPal services including PayPal Working Capital

Spark Mobile Reader

The Spark Mobile Reader is another mobile-centric plug-in device for processing debit and credit cards. The Spark Pay app is paired with the mobile reader and associated with Capital One. The app and reader are compatible with most mobile devices and offer low swipe fee plans.

Features:

  • Accepts all major debit and credit cards
  • Compatible with Apple and Android mobile devices with a phone jack
  • Two low swipe fee plans are available with no long-term commitments or additional fees
  • Link multiple devices using the Spark Pay app and track performance and user access
  • Customer Support 7 Days a Week
  • Get first Spark Mobile Reader FREE; additional readers available for $13
  • Partnership with Capital One

Square Reader

The Square Reader is one of the original mobile device card readers, and the company has perfected it to be quick and easy means of accepting electronic payments. Square allows merchants to also send invoices and give Square gift cards.

 

Features:

  • Accepts debit, credit, EMV chips, NFC payments, Apple Pay, Android Pay, & Samsung Pay
  • Receive a FREE Square Reader device after creating an account
  • Links to your bank account for fast depositing of funds
  • No long-term commitments or monthly fees
  • Square Secure keeps data safe by offering chargeback protection, account takeover protection, fraud detection, and more
  • Easily send invoices to customers
  • Sell Square gift cards to boost sales
  • 75% rates for all cards, no changes per card
  • Check sales at a glance from the Square Dashboard

Chase Mobile Checkout

The Chase Mobile Checkout app is Chase/J.P. Morgan version of similar merchant service apps with an accompanying card reader device for most smartphones. Chase allows for image-based product searches and viewing data from the in-app dashboard.

 

Features:

  • Accepts all major debit and credit cards
  • Compatible with Apple and Android mobile devices with a phone jack
  • Image-based product catalog allows customer to select the correct product for purchase
  • In-app merchant account dashboard displays all transactions, reports, voids/refunds, and more
  • Accounts are password-protected and all data is encrypted for security

QuickBooks GoPayment

The QuickBooks GoPayment system comes from Intuit, the financial software manufacturer and works directly with QuickBooks. This system accepts all major methods of payment and allows for multiple customization options.

 

Features:

  • Accepts all major debit and credit cards
  • Record cash and check payments
  • Compatible with Apple and Android mobile devices with a phone jack
  • All transaction from app sync with QuickBooks and Intuit POS products
  • No termination fees
  • All credit card processing is safe and encrypted for security
  • Personalize receipts with messages or your logo

Groovv Terminal One

The Groovv Terminal One is touted as an all-in-one solution that accepts virtually every kind of electronic payment method available today, ranging from magnetic strips to the various touchless pay services offered by Apple, Android, and Samsung. The Groovv system also boast a fast activation process to get merchants up and running quickly.

 

Features:

  • Accepts debit, credit, EMV chips, NFC payments, Apple Pay, Android Pay, & Samsung Pay
  • Self-activation process allows for immediate availability of use for merchants
  • Built-in keypad and receipt printer
  • Wireless capability
  • Receive a FREE terminal after a $99 retail purchase rebate
  • Receive FREE Apple Pay transactions for one year up to $10,000
  • Groovv will meet or beat competing processing rates or you get $500
  • No long term contracts or obligation
  • Groovv Offers provides users with a single interface to track customer data and send out customized offers via email, SMS messaging, and social media

PayAnywhere Mobile

The PayAnywhere Mobile app system combines an industry-leading payment processing application with an easy-to-use card reader that plugs into mobile devices with phone jacks. PayAnywhere also provides an in-depth online reporting interface for customer data purchasing trends.

 

Features:

  • Accepts debit, credit, EMV chips, PayPal, NFC payments, Apple Pay, Android Pay, & Samsung Pay
  • No startup costs
  • Receive FREE magnetic strip reader with signup
  • PayAnywhere 3-in-1 Credit Card Reader available for purchase (accommodates magstrips, card chips, and NFC payments)
  • Live customer support available
  • Only 2.69% rate for any type of transaction
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1 comment on “Top 10 Mobile Card Payment Systems


Sally Wells
Contributing Editor

We know how time consuming it is to choose the right card processing provider so we did all the hard work for you. We collected user reviews from the top merchant services to help you decide with card processing company is right for you. Choosing the right provider will save you time while you work on growing your business. 

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