Top Mobile Payment Apps

Nov 07, 2017

The use of smartphones in processing credit card payments is not a new thing to many. In fact, the practice is currently well accepted, thanks to its affordable setup costs and few-commitment contracts offered by most service providers. It’s no surprise that most merchants are beginning to rely exclusively on free Android and iPhone mobile processing apps as their main means of accepting all credit card payments.

Indeed, this is a very cost-effective method of taking credit card payments for specific business type, for instance, individual contractors and other one-register locations. On the other hand, established businesses with high processing volumes are better off utilizing mobile payment apps as a secondary processing option.

Discover below some of the best mobile card processing apps available for both Android and iPhone. These providers have been rated depending on the cost-effectives, customer service, and consumer reviews. Also note that some options are a perfect fit for one-register locations whereas others serve well as additions to full-time traditional merchant accounts. Most of these service providers also enable third-party integration with services like QuickBooks. It is however important to visit each of these providers’ sites to check for the latest features and pricing.


Fattmerchant has been actively providing retailers with merchant accounts since 2014, its main goal being to offer flat-rate pricing with a subscription model.

Services Include;

  • NPC Mobile (for both Android & iOS)
  • EMV-compatible countertop terminals,
  • virtual terminal
  • Payment gateway
  • Shopping cart
  • QuickBooks integration
  • Online invoicing
  • Recurring billing

Fattmerchant has several pricing offers with different rates. You can go for; flat fee plan—charges a flat rate on all transactions, or the fixed monthly fee plan that also includes a fixed rate per-transaction amounts exceeding interchange.

Host Merchant Services

Host Merchant Services is a merchant account provider and the company behind “HMSPay”— a free mobile credit card processing app that comes with a free reader for qualified businesses.

Other Host Services include;

  • Point-of-sale solutions
  • Online marketing tools
  • Online payment gateway
  • Virtual terminal

Host has an interchange-plus pricing structure (with no early cancellation fees) which means you enjoy a transparent pricing plan and terminate the service without penalty.

Wrapping Up

If you haven’t added mobile payment as an option for your customers then you must be reducing your bottom line. Many consumers prefer it for its speed and ease of use. So if you can’t have it as your primary means, add it as a secondary option.


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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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