11 Mobile Payment Solutions

Whether you are an ecommerce merchant or you conduct a brick-and-mortar store, eventually you’ll need a solution for mobile commerce.

Here’s a listing of mobile payment solutions. There are mobile payment platforms for electronic wallets, smartphone apps with card-reader attachments, and solutions that offer alternative billing choices.

iPayment MobilePay

iPayment MobilePay is a mobile payment solution from Flagship Merchant Services and ROAMpay. The service accepts all major cards and can record cash transactions. To help build your customer database, the app completes customer address areas for printed landlines. The app can handle taxes, ideas, and can record transactions offline. You may use the service month-to-month. The app and the reader are free. Price: $7.95 a month; Every transaction costs $0.19 and a swipe fee maximum of 1.58 percent, or a crucial fee between 1.36 and 2.56 percent.

iPayment MobilePay.


Square is a very simple approach to mobile credit card processing. Square provides a free point of sale app and a free credit card reader for iPhones and iPads. Square offers a choice of tools to monitor earnings, taxes, top-purchasing clients, and more. Square’s pricing is on the higher end, but without a monthly fee Square might be a great fit if you’ve got infrequent mobile transactions. Price: 2.75 percent per swipe and 3.5 percent and $0.15 each manually-entered transaction.


PayPal Here

PayPal Here provides you an assortment of choices for accepting payments, including credit cards, PayPal, check, record cash payments, or bill. With PayPal Here, you are able to itemize sales totals, calculate tax, offer discounts, accept tips, and handle payment email notifications. Available for iOS and Android. The app and reader are free. Price: 2.75 percent per swipe and 3.5 percent and $0.15 each manually-entered transaction.

PayPal Here.

Google Wallet

Google Wallet is an electronic wallet that helps merchants make a more engaging shopping experience, online or in-store. Using near field communication (NFC) subscribers from point-of-sale terminal suppliers, brick-and-mortar businesses can enable customers to tap and cover with their phones. Google Wallet may also be used to showcase savable offers, incorporate a loyalty program, or create a quick checkout experience for merchant mobile websites and apps with Google Wallet Instant purchase. Price: Free.

Google Wallet.

Intuit GoPayment

Intuit GoPayment is a mobile credit card processing app from Intuit. It takes all credit cards and can record check or cash payments. Intuit GoPayment transactions sync with QuickBooks and Intuit point-of-sale products. Intuit GoPayment functions with iOS and Android apparatus and offers a free reader. Price: $12.95 per month and 1.75 percent per swipe, or 2.75 percent per swipe and 3.75 per keyed transaction.

Intuit GoPayment.


LevelUp is mobile payment system which uses QR codes on smartphones to process transactions. Use LevelUp using a scanner via your POS system, or use a standalone scanner using a mobile device. You may also enter the transaction through the LevelUp Merchant App, using your smartphone’s camera to see the client’s QR Code and entering the number to complete the transaction. LevelUp also provides tools to use customer data. Price: LevelUp charges a 2 percent per transaction fee. Scanner is $50; pill is $200.



The Isis mobile commerce platform enables brick-and-mortar shops to collect payments (through an NFC terminal) in the mobile devices of the clients. Provide your customers with a simplified checkout process during the contactless transmission of payments, provides, and loyalty incorporated in one easy tap. Price: Isis doesn’t charge for payment transactions in the Isis Mobile Wallet. Payment transaction fees won’t be improved by working with Isis.



Boku empowers your customers to charge their purchases directly to their mobile bill using only their mobile number. No credit card info, bank accounts or registration required. The Boku payment option could be added to a site, mobile website, or app. Price: Contact Boku for pricing.


PayAnywhere is a solution to take payments from the smartphone or tablet using a reader. It includes an automatic tax calculation based on your current location, discounts and suggestions, inventories with product pictures and information, and much more. Bilingual for English and Spanish users. PayAnywhere supplies a free credit card reader and free app, available for iOS and Android. Price: 2.69 percent per swipe, 3.49 percent and $0.19 per keyed transaction.



MPowa is a mobile payment app to process debit and credit card transactions, and record cash and check sales. MPowa will soon launch its PowaPIN chip and PIN reader to the EMV (“Europay, MasterCard, and Visa”) card benchmark. (Produced in Europe, EMV uses a chip embedded in a credit card, as opposed to a magnetic strip) The EMV standard is very likely to gain footing to fight credit card fraud. MPowa is a fantastic solution for merchants with a worldwide presence. Price: 2.95 percentage per transactions, or .25 percent or $0.40 per transaction when used as a current chip’s point-of-sale system.



MCX is a mobile application in development by a group of big retail merchants. Details about the solution are obscure, but MCX is meant to give a customizable platform which will be available through just about any smartphone. MCX’s owner-members include a list of merchants in the big-box, convenience, drug, fuel, grocerystore, fast – and high end dining, specialty-retail, and travel categories. Price: To be determined.