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"Wireless Credit Card Processing Terminals VS. Mobile Touch-Tone Payment Processing Using a Phone..."

Which one is better - getting a wireless terminal and using it to swipe cards on the spot, or using your cell phone (or any phone) to process payments on the spot?

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"Accept by Phone is one of those ideas that works just like it sounds. You can process payments from a client quickly by dialing a toll-free number, entering your client's credit card number through an automated system, and then authorizing and processing the payment, all in a few seconds...

Dennis Kennedy
DennisKennedy.com

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"Accept by phone was an excellent way for our new business to begin accepting credit cards, without the need for complicated contracts and expensive equipment..."

Eric M. Jukes
Capital Region Limousine

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Wireless Credit Card Processing Equipment v/s Accepting Credit Cards from a Cell Phone

The benefits of wireless equipment & Cell phone for processing payments at the touch of your fingertips...

This article will compare the differences between using mobile processing equipment and using a cell phone or touchtone phone to process payments. Before going in to details, one thing is sure that both the wireless and cell phone payment-processing systems are great tools for small business owners. Depending on the requirement of individual business needs, a small business owner who is always on the move can harness the power of these technologies. It is not so much that one is better than the other but it’s more about the application of the device in your particular business. So let’s simply talk about the benefits of both wireless equipment and cell phone methods for processing credit card payments. We will also analyze the differences between the two (profitable) technologies...

Wireless Equipment involves swiping of the credit card. Because of the swiped transactions, it offers lower discount rate on each transaction (discount rate being the percentage of the transaction charged for usage). The rates range from 1.9% to as much as 4% depending on the service provider. Since swiped transactions involve a physical active card, the chances of security theft are reduced; hence, the discount rates are lower compared to a virtual transaction of a credit card on a cell phone. This factor might be the biggest difference between wireless and cell phone based payment processing. The verification process for accepting credit card on a swiped transaction is a lot more secured than a cell phone transaction. Unlike cell phone processing, wireless equipment doesn’t need to call any numbers, it just requires a clean swipe for it to automatically read the credit card.

So which one is better for your business?

The automatic number reading is slightly faster than a cell phone transaction that uses a particular gateway of dialed numbers for processing the payment. Wireless equipment is a perfect fit for doing high volume service businesses. It is lot more practical for pizza deliveries, transportation services, etc. Wireless equipment will cost you more in terms of the initial setup and equipment fees compared to a cell phone. A cell phone payment processing service doesn’t require any sort of equipment for credit card transactions. There is no leasing nor any equipment fees for setup. Compared to wireless equipment, a cell phone payment processing might have a higher discount rate, but less monthly/fixed fees.

A cell phone payment processing doesn’t require a physical credit card to complete a transaction. This feature can very well be an advantage for some, while other considers it as a security risk. Cell phone payment processing will give you the flexibility to accept payment from any part of the world without having the actual credit card. But the down side is that an unauthorized person might be using a stolen credit card to make a purchase. In case of wireless equipment, you can physically take it to any corner of the world, but will not be able to make a transaction without a physical credit card. Cell phones are completely mobile and they are perfect for professionals who need to process large transactions a few times a month, but don’t want the hassle of any equipment. Another big reason for using a cell phone based payment processor is for receiving payments from around the world without having to swipe a credit card.

And the winner is...

Both services are great options, but wireless credit processing (with wireless equipment) is more suited for "mobile retailers" with higher sales volume. While on the other side, the pay-by-phone system is meant for businesses providing expensive services to a smaller number of clients per month. Both wireless equipment and pay-by phone payment processing system are meant to increase the mobility of your business - and the best option will depend on what works best for your business.

Again, wireless terminals will be best-suited to business models like pizza delivery and taxi services (high volume, lower-ticket transactions), where phone-based merchant processing is more suited to professionals like lawyers, contractors and consultants who want to have the option of taking credit cards (low volume, high-ticket transactions).

So they both "win". The question is - are you willing to have your business WIN by using the best-suited payment processing technology to increase your profits and simplify your billing process?

Find out more about Accept by Phone - the best deal going for mobile payment processing >>

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With Accept by Phone, swiped transactions are only 2.69% (keyed transactions are 3.49% and $0.19 per transaction).

No signup fees, no monthly fees, no PCI fee, no monthly minimum, and no cancellation fee.

See Accept by Phone’s Account Details Here >>

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Compare Accept-by-Phone to other services in Account Details

Find out More about how Accept-By-Phone works in the Tutorial Section

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