The GoPayment service from Intuit gives you a credit card reader for your mobile phone and a merchant account that lets you accept credit card transactions. This mobile credit card processing service has no setup fee, no monthly minimum and no monthly service charge. And in case you are wondering about cancelation fees, gateway fees and annual fees, it doesn’t have any of those either.
You can choose to pay as you go or pay a monthly flat rate. The monthly service fee of $12.95 per month includes the payment gateway. The Intuit Merchant Account (merchant services for QuickBooks) costs an additional $7.95 per month. Other than that, all you have to worry about are the swipe rate and the keyed rate, which are only 1.7% and 2.7%. There is no transaction fee. The pay-as-you-go pricing is also competitive. There is no monthly service or transaction fee. The discount rates are higher, however, at 2.7% for swiped rates and 3.7% for keyed-in transactions.
Regardless of which plan is right for your business, there is no setup fee for phone credit card processing. And because there’s no month-to-month contract, there are no cancelation fees. No monthly minimum means you don’t have to worry about filling a monthly quota.
One of the best aspects of using your phone as a credit card terminal is that you can use the cellular plan you’re already paying for and upgrade your equipment anytime you upgrade your phone. Intuit GoPayment works with just about any phone. For the best experience, download the GoPayment app. But even if you don’t have the newest smartphone, you can process credit card payments with GoPayment on any phone with a mobile web browser. And unlike several mobile credit card processing solutions, that means any phone with a mobile web browser, not just phones that support mobile java.
With Intuit GoPayment you can:
- Manually key in transactions or use a portable credit card swiper
- Add sales tax to a transaction automatically
- Capture customer signatures using a touchscreen phone
- Send a customized receipt via email or text message
- View and manage previous transactions directly in the app
- Keep track of sales location with GPS tracking
- Sync with QuickBooks accounting software
When you sign up for Intuit GoPayment, you also get access to the Intuit Online Terminal, which lets you accept and process credit cards and manage everything online. You can have up to 50 employees taking sales and processing credit cards on their phones from one account. The virtual terminal supports simultaneous users.
Intuit GoPayment is easy to set up, implement, use and manage. The mobile credit card processing app itself is straightforward. Simply input the credit card number, expiration date, security code and billing zip code (or do it all in a second with a credit card swiper), and then charge. Confirmation takes a few seconds, and then you can send or print a receipt. The interface works well. When you manually enter the charge amount or credit card information, the fields are automatically formatted (which doesn’t seem like a big deal until you work with an app that doesn’t). The app includes a streamlined ordering system. You can enter information on each of the products you sell and save them for future orders. Then when you are ready to create an order all you have to do is choose the items, select the quantity and charge. This itemized ordering system is particularly useful to avoid typing in the same information for similar transactions.
Though the whole process is intuitive, Intuit provides additional help. The in-app help includes detailed instructions, FAQs and video demonstrations.
Mobile credit card processing with Intuit GoPayment is secure for merchants and customers because the actual credit card information is never stored on the phone. Instead, it is transferred with 128-bit SSL (secure socket layer) encryption. The app itself is password protected to avoid fraud if your phone is lost or stolen.
Intuit GoPayment is a mobile payment solution that makes it possible to accept credit cards wherever your business takes you. It synchronizes with QuickBooks. It includes a free credit card reader. It is one of the most affordable mobile credit card processors. We recommend GoPayment for mobile credit card processing.
