Update: /best-mobile-credit-card-processing/

FP: https://projects.fitsmallbusiness.com/projects/edit/270

KW:https://docs.google.com/spreadsheets/d/1J4SG4-
U4W5yLlfAhp6cdfou8CP4mif6TWLFi9xrsTLc/edit#gid=783201657
PKW: mobile credit card processing (28)
SKW: mobile credit card processors (10 single) (3 plural)
Update proposal:
https://docs.google.com/document/d/1YyWEO1Y8O6jRTGik9GkptP37vtH_NwVpjGE6glzh3vQ/e
dit

BD:
https://docs.google.com/document/d/11e2GC7IMXCaxD7OuQLfxWS1A6Y5iwCJAvblKJWNrrrE/
edit#heading=h.8ktpmynsnm5r
Square is the big moneymaker here.

Please consider the following partners:

● Square
● Dharma
● Chase Merchant Services
● Shopify
● Payment Depot
● Fattmerchant

Required Cluster Links:

How-to-accept-credit-cards ✔cha
Best-credit-card-readers ✔
Best-credit-card-readers-for-iphone ✔
Nfc-payments ✔
Best-credit-card-readers-for-android ✔
Credit-card-payment-app ✔
Best-mobile-credit-card-readers ✔

6 Best Mobile Credit Card Processing Options 2019

Mobile credit card processing lets you sell products and accept payments on-the-go with a
smartphone or tablet. Mobile credit card processors should be reliable, have affordable
transaction fees, come with a free business management app, and function offline. The best
mobile credit card processing services have no startup or monthly fees.
Top 6 Mobile Credit Card Processing Services 2019

Mobile Credit Card Processors Best For

Square (Best Overall) New and small businesses

wanting the best value mobile POS &
payment processing

PayPal Here Small and occasional sellers that want low

rates and reliable processing

Dharma Established businesses that want the lowest

processing rates

Shopify Multichannel businesses that sell online and

over mobile

Chase Merchant Services Retailers that have Chase Business accounts

QuickBooks GoPayment Businesses that use QuickBooks

How We Evaluated Mobile Credit Card Processing Solutions

There are a number of mobile credit card processing solutions, but a select few stand out from
the rest in terms of ease of use, simple fee structures, and upfront accessibility. Small
businesses need a convenient and flexible solution that doesn’t break the bank. Established
businesses need competitive card processing rates and a reliable system. Overall, we targeted
our search to uncover top mobile payment processors based on their affordability and simplicity.

Based on those needs, we evaluated mobile credit card processors on the following criteria:

● Price: We prioritized companies that are small business-friendly, including low-cost

setup and low or no monthly fee or minimum. We heavily considered fee transparency.
● Ease of use: Processors that are easy to use on the go. We also heavily considered
how easy it is to sign up and start using each product.
● POS app: Companies that offer a free mobile credit card payment app for processing
transactions and bonus features like sales reports, analytics, and customer directories.
● Simplicity: Companies that have fee structures that are easy to understand and don’t
have surprises.
● Reliability: Hardware and mobile credit card readers that are low-cost and reliable.
● Ability to accommodate multiple sales channels: Can be used to accept credit cards
in-store, online, through invoices, and mobile.

Based on the above criteria, Square is our top choice for mobile credit card processing. Square
has a transparent, flat-rate fee structure with no startup, monthly, or cancellation fees. There is
no application process for Square. Businesses simply sign up online, download the free Square
point-of-sale (POS) app, and receive a free credit card reader in the mail. The Square app can
process transactions offline and comes with bonus features like sales reports and inventory
tracking.

Square: Best Overall Mobile Credit Card Processor

Square is a mobile credit card processing app that uses Android or iOS card readers that plug
directly into your smartphone or tablet. Square is the best choice for small businesses because
the free app is feature-rich, user-friendly, requires no application, and has competitive
processing rates, especially for businesses with an average transaction below $20.

Square Pricing
Square has no startup or monthly fees and supports both physical card swipes and keyed-in
payments via its powerful mPOS app. You get a free magstripe reader for swiping cards upon
sign-up. Additional readers, including options for processing EMV chip cards, are available for
purchase.

Square mobile credit card processing fees include:

● Monthly fee: $0
● Swipe, chip, or contactless payments: 2.6% + 10 cents per transaction
● Keyed-in payments: 3.5% plus 15 cents per transaction
● Magstripe reader: Free
● Chip and contactless reader: $49
Square Features
Square covers virtually every on-the-go credit card processing need a business can dream up.
They are the mPOS industry leader, with the ability to accept payments offline and features like
an automated customer directory and digital receipts. When you process credit card payments
with Square, funds are usually available in your account within one to two business days.

Square Payment Processing Features

With Square mobile payments, you can accept all major credit cards including Visa, Mastercard,
Discover, American Express, Apple Pay, and Android Pay. Depending on the reader you
choose, you can accept magstripe, chip, and contactless credit card payments.

Square mPOS Features

One of the biggest benefits of using Square is the free POS system it includes. Square POS
app can be downloaded and used on any iPhone, iPad, or Android smartphone. In addition to
processing credit card payments, you can record cash and check payments, accept gift cards,
send invoices, and save credit cards on file for future payments.

Businesses can add inventory items, including categories, variables, and modifiers to accurately
track sales and stock levels. Square lets businesses set up multiple user accounts so each staff
member has their own login, which can be used on any device with the Square app.

Businesses can also turn on tipping features and let customers sign for purchases on the
screen. Once the sale goes through, you can add that customer to your customer directory
and/or send a text message or email a receipt. Email receipts also include a link for shoppers to
leave feedback on whether they had a positive or negative experience, and why. Businesses
receive this feedback instantly and can respond with a message or a discount.

Square Business Management Tools

Businesses using Square can track sales, customers, and inventory reports through the POS
app or through the Square Dashboard. Through the Dashboard, you can also manage invoices,
deposits, configure employee logins and permissions, set up employee payroll, and view more
detailed reports. Square also integrates with top accounting programs like QuickBooks and Xero

Square Omnichannel Features

If your business expands from just mobile credit card processing to in-store or online sales,
Square has you covered. With Square’s all-in-one payment solution and powerful free POS and
business management software, you’re poised to grow in any direction.

Omnichannel selling options with Square includes:

● Online selling: Square offers a free online store that you can easily launch right from
your Square inventory, plus Square integrates with virtually every top ecommerce
platform.
● In-store retail sales: Square’s top-rated retail POS system lets you seamlessly track
inventory quantities, sales, customers, and more. A countertop checkout for your iPad
starts at just $169, and you can add a cash drawer, receipt printers, and more.
● Invoicing and recurring payments: If you run a service business, Square’s powerful
invoicing and recurring payment features are built right in, with no added fees.

What Square Is Missing

One of the most common customer complaints is that you need to provide a customer code or
prove that you have an active Square account in order to receive phone support. Plus, phone
hours are 6 a.m. to 6 p.m. Pacific Time, Monday to Friday. If you run into a processing issue
over the weekend, you have to submit a support ticket.

Square also does not have the cheapest credit card processing for sellers that only accept
occasional payments or have a very low average order value (like coffee shops). For these
businesses, PayPal has the lowest rates.

Square Reviews
Overall, Square reviews are very positive. Users like that the app is easy to use and that the fee
structure is easy to understand. Square is also one of the only card processing providers that
doesn’t have a monthly minimum or fee.
Get Started With Square
Square is one of the most popular mobile credit card processing solutions—and for good
reason. Square’s transparent fee structure, array of payment processing options, and free
management tools allow businesses to easily launch and grow in any desired direction within
one seamless, scalable system. Visit Square’s website to get started with a free account and
mobile credit card reader.
Visit Square

PayPal Here: Best Budget Mobile Credit Card Processor

PayPal Here is a mobile credit card processor with very competitive flat-rate fees and a simple,
but user-friendly app. PayPal Here is not as feature-rich as Square, but is more affordable and
equally quick to get started, making it the best mobile card processing option for any business
that wants to accept PayPal payments.

PayPal Here Pricing

You can add PayPal Here to any PayPal business account, including their free PayPal Starter
account. New users can get started with PayPal Here with no startup or monthly fees, similar to
Square.

PayPal Here mobile credit card processing fees include:

● Swipe, chip, and contactless payments: 2.7%

● PayPal payments: 2.7%
● Keyed-in payments: 3.5% plus 15 cents per transaction
● Chip and swipe reader: $24.99*
● Chip and contactless reader with charging stand: $79

*PayPal Here frequently has promotions to receive this card reader for free when you sign up

PayPal Here Features

PayPal Here is similar to Square in that it offers a whole ecosystem of integrated solutions
including payment processing, online checkouts, invoicing, and reporting. It’s also free to create
an account and anyone can use PayPal Here to start accepting payments immediately, unlike
most other mobile payment processing options that require a lengthy application or monthly fee.
PayPal Here Mobile Payment Processing Features
PayPal Here lets businesses accept all major credit cards. Depending on the card reader you
choose, you can accept swipe, chip, and contactless payments. PayPal Here also has the
unique advantage of accepting PayPal payments, which is ideal for event and mobile vendors
where customers may not have credit cards on them. Like Square, PayPal can process
payments offline.

Businesses that use PayPal Here receive funds from transactions into their PayPal accounts
immediately. You can keep funds there to use or transfer to your bank account (one to two
business days, or instantly for an additional fee).

One thing to note with PayPal Here is that if you use the free magstripe reader, your funds will
be held for 30 days if you process more than $500 in one seven-day period. This is also true for
keyed-in payments. So, if you process anything close to that, opt for a chip reader ($24.99) to
avoid funds being frozen.
PayPal Here mPOS Features
The PayPal Here app is not as feature-rich as Square, but it still provides many useful tools.
Businesses can add multiple users or employees to process payments from multiple devices.
You can configure discount, sale, tax, and tip settings and send customers email receipts.
PayPal has a simplified product catalog so you can set items and pricing, including item
modifiers, variations, and add-ons. PayPal Here also allows businesses to send invoices to
customers instead of charging on-the-spot.

PayPal Multichannel Tools

Being able to accept PayPal account payments for mobile selling is a nice plus, but where that
really matters is in online sales. Many online shoppers prefer to pay with PayPal, and accepting
it can drive more online sales your way. Also, PayPal integrates with just about every
ecommerce platform under the sun, so you have your pick when it comes to setting up an online
store. If you want to use PayPal for online payments, PayPal Here is the natural mobile credit
card processor for your business.

What PayPal Here Is Missing

PayPal Here does a great job handling all sorts of mobile and online payments, but compared to
other solutions, there are a few things that are missing. PayPal Here does not have a full POS
as Square does. With PayPal Here, you can list items that you sell and track sales, but there is
no inventory tracking features at all in the PayPal Here app. If you want to expand into in-store
selling, you really need a full POS system.

PayPal Here Reviews

Reviews for PayPal Here are generally positive. Both business owners and customers like that it
is secure and easy to use. Business owners also like that funds can appear in their accounts
immediately. However, some reviewers report issues with funds being withheld. Visit our PayPal
Here review page for details.

Get Started With PayPal Here

PayPal Here is likely the right mobile credit card processing choice for you if your business
already accepts PayPal. Or, if you are just looking for no-frills, secure mobile card processing,
PayPal Here is also a good option for your business. Visit PayPal Here to get started.

Visit PayPal Here

Dharma: Best Low-cost Card Processing for Established
Businesses

Dharma is a traditional merchant services provider that offers small businesses very low-cost
interchange-plus credit card processing. Dharma is selective in approving accounts, but it offers
some of the lowest processing rates for businesses with an average transaction above $20,
making Dharma the best mobile credit card processor for low-risk and established businesses.

Dharma Pricing
Dharma offers interchange-plus pricing with a flat monthly fee of $20. Its fee is 0.15% plus 7
cents plus interchange, which for Visa credit cards, for example, equals a total of 2.01% plus 25
cents. The rate is even lower for debit card transactions.

Dharma’s prices are very low but are best suited for established businesses with higher average
transactions because there is a monthly fee, and the cents per transaction charges can add up.
PayPal Here is the most affordable option for businesses with average transactions below $20.
However, if you are processing over $20, Dharma becomes the most affordable.

Dharma mobile credit card processing fees include:

● Swiped card payments: 0.15% plus 7 cents per transaction plus interchange
● Keyed-in payments: 0.2% plus 10 cents per transaction plus interchange
● AmEx payments: 0.25% plus interchange
● Swipe and mobile reader: $99
● Monthly fee: $20
● MX Merchant mobile POS app: Free
● ACH payment processing: $25 monthly fee, 40 cents per transaction

Dharma Features
Dharma is a full-service merchant service provider. This means each customer has dedicated
support. Every Dharma account also includes access to MX Merchant, which is an online
dashboard that includes a virtual payment terminal, invoicing capabilities, a customer database,
and reporting. Businesses have access to MX Merchant Express, a free mobile POS app for
processing sales. Plus, you can get a mobile credit card reader for Android or iOS.
Dharma Payment Processing Features
With Dharma, businesses can accept all major credit cards on-the-go and key-in mobile
payments for no extra cost. Dharma charges higher fees for processing American Express
payments, which is unusual for the processors on this list but not for the payment processing
industry as a whole. Like Square, Dharma can also process payments offline, which is
especially important for mobile sellers. One fairly rare feature of Dharma’s mobile payment
processing is the ability to use your phone’s camera to scan in credit card information.

Dharma MX Merchant
Every Dharma account comes with a free MX Merchant account and MX Merchant Express app
which serves as the mPOS. With MX Merchant, businesses can turn tips on or off, adjust
signature requirements, store customer data including notes and payment methods, send email
and text receipts, and view transaction histories.
Businesses can use the MX Merchant dashboard to view sales reports and analytics. There are
also features to create online payment links to send to customers, set up ACH payment
processing, and create multiple user logins for staff members.

What Dharma Is Missing

Dharma is not a good fit for startups and smaller businesses that don’t have consistent sales
volumes. Dharma has a decent mobile app for processing sales on the go and valuable back-
end features in the MX Merchant. However, it does not have full retail POS capabilities like
Square or Shopify. Dharma also does not come with a free mobile card reader.

Dharma Reviews
Overall, Dharma user reviews are positive. Businesses like the low-cost payment processing
Dharma provides and their attentive customer service. Unlike Square, which anyone can sign
up for and use, Dharma is selective about who they work with, so some reviewers were
disappointed about being rejected during the Dharma application process. Some store owners
also report issues with Dharma’s hardware not being compatible with their setup.

Get Started With Dharma

The first step in getting started with Dharma is visiting their website and filling out a brief form.
When you talk with a Dharma non-commissioned salesperson, they can perform a free cost
comparison and walk you through what to expect. Dharma is the best option for established
businesses looking for very low mobile credit card processing rates. Visit Dharma to get started.

Visit Dharma

Shopify: Best Multichannel Mobile Credit Card Processor

Shopify is an ecommerce platform that also offers in-store and mobile credit card processing
starting at just $9 per month with competitive flat-rate transaction fees. Shopify is the best
mobile card processing for ecommerce sellers because it keeps inventory, sales, and customer
data from every mobile and online transaction in one place.

Shopify’s entry-level plan, Shopify Lite, gives you a full-featured mobile POS, sales and
inventory management tools, shipping functions, several online selling options, and a Facebook
shop integration, all for just $9 per month. Plus, you can sign up and start accepting credit cards
in minutes, get a free mobile credit card reader, and enjoy competitive rates with no startup or
cancellation fees.
Shopify Pricing
Shopify has several plan options. We will focus on Shopify Lite, which offers mobile credit card
processing and an online Buy Button. However, it does not include a Shopify online store. Other
Shopify Plans include more features and offer payment processing rates as low as 2.4%, but
come with higher monthly fees.

Shopify Lite processing fees include:

● Monthly fee: $9
● Swipe, chip, and contactless payments: 2.7%
● Online and keyed-in payments: 2.9% plus 30 cents per transaction

Shopify hardware fees include:

● Swipe and chip card reader: $29
● Swipe, chip, and contactless card reader: $49
● Shopify retail kit: $229 includes iPad counter stand, contactless card reader, and card
reader dock
Shopify Features
Shopify’s mobile credit card reader and the Shopify POS mobile app give you payment
processing, sales, and business management tools right on your phone or tablet. Shopify is a
full retail POS, similar to Square, that lets businesses track sales, inventory, and customers in
addition to processing payments.

Payment Processing with Shopify POS

Shopify Lite comes with a $9 monthly fee, which can seem steep compared to Square’s free
price tag. However, Shopify comes with many more features. In addition to all major credit
cards, Shopify sellers can issue and redeem store credit, set up custom payment types (like
rewards or IOUs), and gift cards. Shopify also lets businesses accept deposits or setup layaway
payments and split payment types. Similar to Square, Shopify lets businesses send custom
digital receipts, however, Shopify also offers the option of printed receipts.

Shopify POS Business Management Features

Shopify has the most advanced inventory management features out of all the mobile credit card
processing options on this list. Businesses can add and track multiple product variants and
features. Shopify also includes full barcode support. The POS includes sales reporting, insights
on discounts and promotions, products, tips, and employees. Shopify customer directories
include the ability to save customer information, and call or text customers directly from the
POS.

Businesses can create an unlimited number of employee logins with different permission levels
and monitor cash-on-hand. Shopify POS has a unique feature called Timeline that shows
register activity history and corresponding employees. Employees have the ability to add notes
or comments to an activity so all team members can easily see what’s happened throughout the
day.
Shopify Omnichannel Features
Shopify POS is the mobile extension of Shopify’s industry-leading, back-end ecommerce store
and order management system. Even with the $9 per month Shopify Lite plan, you get access
to powerful selling features like online and Facebook sales, shipping management, and
inventory tracking. Shopify POS lets you easily extend your sales reach beyond in-person
mobile credit card processing.

One of the benefits of using Shopify is that, like Square, all of your inventory, customer, and
sales data is centralized across all channels. With Shopify mobile POS, businesses can make
sales in-person, and still have them shipped to a customer’s house, which is ideal for vendors
that sell larger items.

What Shopify Is Missing

Shopify is a great choice for small businesses selling over mobile, in-store, and online
environments. But it’s very retail-oriented, which limits it for some uses. Plus, we uncovered a
few other shortcomings, including the fact that Shopify cannot process credit cards without an
internet connection, which is a super-important feature for mobile card processing. If you are not
a retail-oriented business or need offline payment processing, Square may be a better fit.
Shopify Reviews
Shopify user reviews are extremely positive. Business owners like the sleek interface and that it
comes with so many built-in features for multichannel selling. That being said, if you are just
looking for mobile processing and nothing else, you won’t need most of the features that come
with Shopify. There aren’t many negative reviews or patterns of specific complaints regarding
Shopify.

Get Started With Shopify

Shopify’s monthly fee makes it pricier than both Square and PayPal, but for multichannel
sellers, the cost is worth the convenience. If you plan to sell both in-person and online, Shopify
Lite is an ideal, risk-free launchpad with competitive mobile credit card processing rates and a
low monthly cost.

Visit Shopify

Chase Merchant Services: Best Bank Mobile Card Processor

Chase Merchant Services has a good mobile credit card processing solution called Chase
Mobile Checkout. The app can be used on any Apple or Android smartphone with purchase of a
reader. Chase is a good fit for businesses wanting to work with a bank to manage payment
processing, checking accounts, and credit cards together.

Chase Merchant Services Pricing

Chase Merchant Services offers quote-based pricing, so always speak with a payment
specialist to get the best rate. However, for mobile payment processing Chase lists a 2.6% rate
+ 10 cents per tap, dip and swiped transaction, which is identical to Square’s rates.

For larger sellers, Chase also has interchange-plus pricing available. In most cases, Chase
does not require any long-term contracts (except for some hardware leases). Chase uses an
eDynamo mobile card reader, however prices are not readily available.

Chase Merchant Services Mobile Checkout pricing details include:

● Chip & swipe payments: 2.6% + 10 cents per transaction

● Keyed-in & card-not-present transactions: 3.5% + 10 cents per transaction
● Affordable hardware purchase & leading options
● Free Chase Mobile Checkout app
Chase Merchant Services Features
Chase Merchant Services Mobile Checkout app provides a simple interface for accepting mobile
payments, managing gift cards, and viewing sales reports right from your smartphone or iPad.
Businesses can add tips to transactions, check gift card balances, and create a product catalog
with pricing for faster checkout and detailed reporting.

Chase Mobile Checkout Payment Processing

With Chase, businesses can accept all major credit cards and process magstripe or chip
payments. You can also manually enter credit card information for payments in the Chase
Mobile Checkout app. The eDynamo reader that Chase uses for mobile checkout does not work
with contactless payments such as Apple Pay.

Businesses can use the app to process refunds, send receipts, and add tips. Chase also lets
businesses authorize cards for future sales (such as for reservations or cancellation policies),
which is a rare feature, especially for a mobile app. Chase includes standard features to issue,
redeem, and check balances on gift cards.

Chase Mobile Checkout Business Management Features

Chase is unique on this list because it is not an aggregate payment processor, it is a traditional
merchant account provider, and, if you use Chase for your business banking, it also acts as the
receiving bank. This means you can manage funding, chargebacks, and settlements directly
though the Chase Mobile Checkout app. Chase tracks every transaction with geo-location
features which makes it easier to settle customer disputes. Funds also appear quickly (the next
business day).
While Chase is heavy on financial management features, the mobile app is lighter on POS
functionality. Businesses can create a product catalog, but that is the extent of the retail and
product features.

What Chase Merchant Services Is Missing

Chase is a great solution for businesses that are looking to handle all financial aspects of their
business, including credit card processing, in one place. The biggest issue with Chase is the
Mobile Checkout app. It’s not as sleek or user-friendly as something like Square and has
nowhere near the reporting, customer, or inventory management features as Square or Shopify.

Chase Merchant Services Reviews

Chase Merchant Services user reviews are somewhat mixed, which to some extent is to be
expected for such a large company. They are part of JPMorgan Chase, one of the biggest
banks in the country. However, Chase is also the processing service behind Square. Both card
processors have some reviews that claim funds have been withheld. Because Chase is such a
large company, it likely has a very conservative risk management team. So, if you are
processing very large transactions or run a company with high-risk transactions, you should
take that into account.

Get Started With Chase Merchant Services

Chase is a great option for businesses that prefer to work directly with banks or want all of their
finances streamlined. Plus, for mobile card processing, Chase offers a surprisingly sleek and
easy-to-use app. Chase Merchant Services offers flexible payment gateway options and fast
online transactions with no hidden fees or long-term contracts. You also get next business day
funding with a Chase business checking account. Visit Chase to get started.

Visit Chase

QuickBooks GoPayment: Best Mobile Processor for QuickBooks

Users

QuickBooks GoPayment is a mobile credit card processor that syncs your sales directly with
both QuickBooks Online and the desktop version. QuickBooks GoPayment doesn’t have the
lowest processing rates, but they are competitive, making GoPayment a good mobile credit card
processing option for businesses that use QuickBooks for accounting.
QuickBooks GoPayment Pricing
In order to use QuickBooks GoPayment, you need to have either a QuickBooks Online or
QuickBooks Desktop account. Depending on which QuickBooks plan you choose, your rates
can vary. Each type of QuickBooks account comes with different accounting and management
features, so visit the QuickBooks website to see which specific product is best for your
business.

Payment processing can be added on to any QuickBooks account. If you already use
QuickBooks Desktop and want to add on mobile credit card processing, you can either pay as
you go with higher transaction fees or pay an additional flat $20 monthly fee and receive lower
transaction fees. If you do not already have a QuickBooks account and primarily need mobile
payment processing with simple income and expense tracking, deduction tracking, and
invoicing, the Online Simple plan is a good option.

QuickBooks and GoPayment Pricing Plans

QuickBooks QuickBooks QuickBooks QuickBooks

Online Simple Online Desktop Pay- Desktop
Essentials as-you-go Monthly

Monthly $25 $40 Varies Varies

Software Fee

Monthly $0 $0 $0 $20
Payment
Processing Fee

Swipe, Chip & 2.4% + 25 2.4% + 25 2.4% + 30 1.6% + 30

Contactless cents/transaction cents/transaction cents/transaction cents/transaction
Payments

Invoice 2.9% + 25 2.9% + 25 3.5% + 30 3.3% + 30

Payments cents/transaction cents/transaction cents/transaction cents/transaction

Keyed-in 3.4% + 25 3.4% + 25 3.5% + 30 3.3% + 30

Payments cents/transaction cents/transaction cents/transaction cents/transaction

ACH Bank 1% (max $10) 1% (max $10) $1 $1

Transfers

*QuickBooks has several Desktop plans with different annual fees.

**Lower rates available for businesses processing over $7,500 monthly

At a glance, GoPayment seems cheaper than other flat-rate options, like Square, because
GoPayment only charges 2.4% on mobile transactions. However, the 25 cents-per-transaction
fee quickly adds up in certain selling scenarios, especially if you have a low average order
value. For example, a 25 cent fee on a $2 cup of coffee looks much different than a 25 cent fee
on a $200 piece of jewelry.

QuickBooks GoPayment hardware fees for both plans include:

● Swipe and chip reader: First free, $19 per additional reader
● All-in-one contactless reader: $49

QuickBooks GoPayment Features

GoPayment’s mobile credit card reader and mobile POS app give you payment processing,
sales tracking, and business management tools right on your phone or tablet, and all sales
directly sync to your QuickBooks data. The main advantage of using QuickBooks GoPayment is
that is works seamlessly with QuickBooks accounting software.

QuickBooks GoPayment Mobile Payment Processing

With QuickBooks GoPayment, you can accept all major credit cards including American
Express and contactless payments like Apple Pay. Like most of the solutions on our list,
businesses can process card payments via magstripe, chip, or manually entered data.
GoPayment can also be used to process ACH payments, which other processors, including
Square, don’t offer.

Like Dharma, QuickBooks users can also use the camera in their tablet or smartphone to scan
and process credit cards. After completing a purchase, customers can sign on-screen, add a tip,
and receive an email receipt. The app also lets businesses record cash and check payments,
which are also synced with QuickBooks.

QuickBooks GoPayment mPOS App

Like most of the apps on this list, GoPayment lets businesses create a basic inventory item list.
Although, the item catalog is not as advanced as what you would find in Shopify, Square, or
PayPal. You can view basic sales reports, add and track taxes, and add up to 50 users or
employees for each account.

What QuickBooks GoPayment Is Missing

GoPayment is a great option for businesses already using QuickBooks as a management tool.
The main drawback of QuickBooks GoPayment is that the rates are simply higher than other
solutions. If you are a retailer, food truck, or anything similar, QuickBook’s product catalog and
inventory management features are not as detailed as what you would need. Overall,
QuickBooks is a reliable product and a good alternative, just not the most cost-effective.

QuickBooks GoPayment Reviews

Reviews for QuickBooks are very positive. QuickBooks GoPayment mobile app has over a 4.8
rating in the Apple app store. However, users do report a few syncing issues between
QuickBooks and GoPayment. For example, inventory data doesn’t sync back to QuickBooks
when you sell over GoPayment. New customer information also does not get transferred over,
and will have to be entered into QuickBooks manually.

Get Started With QuickBooks GoPayment

QuickBooks GoPayment syncs more closely with QuickBooks data than other mobile payment
integrations, so it can be the best fit for QuickBooks users who need mobile credit card
processing. Visit QuickBooks to create a free account and receive a free credit card reader.

Visit QuickBooks

Bottom Line
Whether you’re a brand-new business that is starting out with mobile credit card processing, or
an established store looking to take your business on the go, you need a solution that is cost-
effective, reliable, and easy to use. The best providers also do not have a monthly transaction
minimum, fees, or contracts.
Square is a great mobile credit card processing company for small businesses. Their plug-and-
play solution makes it super-easy for anyone to accept payments anywhere, even offline. No
applications, startup fees, or hardware costs means it’s a risk-free investment. Plus, the Square
app comes with the point-of-sale features you need to manage a business on the go. Visit
Square to get started with a free account and mobile card reader.

Visit Square