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TopTenREVIEWS - Gold Award - Awarded for excellence in design, usability and feature set

Flagship Merchant Services is among the best mobile credit card processing services available. It teams with ROAMpay, a leading supplier of mobile credit card readers, to offer impressive mobile payment solutions, which is why it's the Top Ten Reviews Gold Award winner. It has highly competitive rates and prompt customer service, approves online applications as quickly as 24 hours and approves applicants at a rate of 98 percent. Best of all, it provides service on a month-to-month basis so you're not locked into a contract.

Pricing & Fees
Compare
9.4/10
Flagship ROAMpay
CreditCardProcessing.com
Amazon Local Register
North American Bancard
Square
Leaders Merchant Services
Merchant One
PayPal Here
E-Commerce Exchange
Breadcrumb Payments by Groupon
9.4
9.4
10
9
8.9
9.4
8.5
8.8
8.3
9.8

With Flagship Merchant Services, it's free to apply and to set up your merchant account. There's no contract, and there are no cancellation fees. Each transaction costs $0.19 plus a percentage of the transaction, ranging from swipe fees of 0.38% for debit cards to 1.58% for credit cards. If you key in card numbers, the fee ranges from 0.98% to 1.98%. The mobile credit card reader that attaches to your mobile phone or tablet is free, but there's a charge for shipping and handling for each unit. There are two monthly fees: a wireless access fee and a customer support and statement fee. If your business is seasonal, you can deactivate your service without penalty to avoid an inactivity fee.

Service Terms
Compare
10/10
Flagship ROAMpay
CreditCardProcessing.com
Amazon Local Register
North American Bancard
Square
Leaders Merchant Services
Merchant One
PayPal Here
E-Commerce Exchange
Breadcrumb Payments by Groupon
10
10
9.4
10
10
6.9
9.4
9.4
9.4
9.4

Flagship Merchant Services with ROAMpay makes it easy to accept American Express, Discover, MasterCard and Visa credit and debit card payments. It also allows you to record cash transactions, which simplifies your accounting by allowing you to use one virtual register for all three types of transactions. Additionally, the system can void or refund transactions, calculate sales tax and allow your customers the option of including a tip as part of the transaction. The system can capture signatures and email receipts to your customers, which frees you from lugging along a printer.

If your mobile access goes down or you're out of range, the system's offline mode will allow you to continue conducting transactions by securely storing the transaction information in the card reader, which then uploads it to the payment server when service is available. Although you can accept payments while offline, there's a risk that the transaction will be declined. Flagship Merchant Services credits completed transactions to your account within 48 hours.

You can export all transaction data into your accounting system or use the software Flagship Merchant Services provides to run 120 different reports that you can use to manage inventory, analyze sales data and more. The service records your customers' contact information, and if the customer has a published landline, ROAMpay will automatically populate the home address field that corresponds to it. With this amount of customer data, you'll be able to easily execute targeted marketing campaigns.

Flagship Merchant Services' virtual terminal is password protected. If somebody finds your phone while you still have unprocessed transactions stored on it, the data remains secure. The system is PCI compliant, which means that it adheres to an information security standard defined by the Payment Card Industry Security Standards Council to control credit card fraud.

Equipment & Compatibility
Compare
9.4/10
Flagship ROAMpay
CreditCardProcessing.com
Amazon Local Register
North American Bancard
Square
Leaders Merchant Services
Merchant One
PayPal Here
E-Commerce Exchange
Breadcrumb Payments by Groupon
9.4
9.3
9
9.8
9.8
9.8
9.4
9.4
10
4.8

All you need to accept credit cards is a mobile phone or tablet that runs on iOS (iPhone or iPad) or Android, a free downloadable app and a ROAMpay card reader from Flagship Merchant Services. ROAMpay card readers are among the best mobile credit card readers available. These readers are sturdy and extremely popular. The company has sold over two million of them, and they work with over 100 mobile devices. ROAMpay mobile card readers that support EMV chip cards are also available.

Help & Support
Compare
10/10
Flagship ROAMpay
CreditCardProcessing.com
Amazon Local Register
North American Bancard
Square
Leaders Merchant Services
Merchant One
PayPal Here
E-Commerce Exchange
Breadcrumb Payments by Groupon
10
9.8
8.4
8.4
8.1
9.6
9
8.1
8
8.4

Flagship Merchant Services with ROAMpay provides a toll-free number with 24/7 phone support and pairs you with a dedicated account rep who you can call or email directly. Your rep will help you fill out your online application and will train you to use your mobile credit card processing system.

Flagship ROAMpay Summary:
9.6/10

Competitive rates, robust features and top-notch customer service set Flagship Merchant Services with ROAMpay apart as one of the best mobile credit card processing services available. The application process is fast and free, the approval rate is high, you pay nothing to set up your merchant account and you can use the service on a month-to-month basis with no contract. It works with your Android or iOS mobile devices and the card reader sports many convenient features.

 
 
 

Flagship ROAMpay Merchant Services

Pros
Flagship offers very competitive transaction fees and great customer service.

Cons
The advertised 0.38% swiped fee applies only to debit card transactions.

The Verdict
: 9.63/10

Flagship Merchant Services, in combination with ROAMpay, is a terrific mobile credit card processing service for merchants who run a high volume of debit and credit card transactions.