Mobile Credit Card Reader | Payment Processing | QuickBooks (2024)

QuickBooks and Intuit are a technology company, not a bank. Banking services provided by our partner, Green Dot Bank, Member FDIC.

**Product information

QuickBooks Payments: QuickBooks Payments account subject to eligibility criteria, credit, and application approval. Subscription to QuickBooks Online required. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.

QuickBooks Money: QuickBooks Money is a standalone Intuit offering that includes QuickBooks Payments and QuickBooks Checking. Intuit accounts are subject to eligibility criteria, credit, and application approval. Banking services provided by and the QuickBooks Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. QuickBooks Checking Deposit Account Agreement applies. Banking services and debit card opening are subject to identity verification and approval by Green Dot Bank. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

QuickBooks card reader: Data access subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance. Product registration and QuickBooks Payments account required. Terms, conditions, and features subject to change.

QuickBooks Payments and QuickBooks Checking accounts: Users must apply for both QuickBooks Payments and QuickBooks Checking accounts when bundled. QuickBooks Payments’ Merchant Agreement and QuickBooks Checking account’s Deposit Account Agreement apply.

QuickBooks Checking account: Banking services provided by and QuickBooks Visa® Debit Card are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association.Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. Registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Account funds are FDIC-insured up to the allowable limits upon verification of Cardholder’s identity. Green Dot is a registered trademark of Green Dot Corporation. ©2023 Green Dot Corporation. All rights reserved. QuickBooks products and services, including Instant Deposit, QuickBooks Payments, next-day deposit are not provided by Green Dot Bank.

Apple Pay: Apple Pay is a registered trademark of Apple Inc.

Google Pay: Google Pay is a trademark of Google LLC.

PayPal and Venmo: Not currently available on invoicing through QuickBooks Online Advanced subscription. Venmo is available only in the US.

QuickBooks Online System Requirements: QuickBooks Online requires a computer with a supported Internet browser (see System Requirements for a list of supported browsers) and an Internet connection (a high-speed connection is recommended). Network fees may apply.

Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.

**Features

QuickBooks Card Reader: Intuit and QuickBooks are trademarks of Intuit Inc. and other parties' marks are property of their respective owners. Data access is subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance. Product registration and QuickBooks Payments account required. Account subject to eligibility criteria, credit and application approval. Terms, conditions, features and services are subject to change. Use is subject to important terms of service and licenses information: quickbooks.intuit.com/payments/legal/.

QuickBooks Visa Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot is a registered trademark of Green Dot Corporation. ©2023 Green Dot Corporation. All rights reserved. QuickBooks products and services are not provided by Green Dot Bank.

Screen images simulated. QuickBooks Card Reader made in Thailand.

Pay-enabled invoices: Requires a separate QuickBooks Payments account which is subject to eligibility criteria, credit and application approval. E-invoicing QuickBooks Payments is an optional fee-based service. Additional fees may apply. Additional terms and conditions apply.

Payment links: Payment links require a QuickBooks Online Payments account and are subject to the same pricing terms including card-swiped fees, card-keyed fees, bank transfer/ACH fees and check transactions fees. See Important Info, Pricing, Acceptable Use Policy and Merchant Agreement.

Next-day deposit: Next-day deposit features are subject to eligibility criteria. Subscription to QuickBooks Online may be required. We anticipate that a large majority of customers who use bank transfers (ACH) with QuickBooks Payments will receive next day bank transfer (ACH) deposits as transaction history is established. New payments customers will be notified when next day bank transfer (ACH) eligibility is established. For next day deposits, payments processed before 3:00 PM PT arrive at your bank the next business day (excluding weekends and holidays). Deposit times may vary for other payment methods, third party delays or risk reviews.

Same-day deposit: Same Day Deposit allows you to have near-real time deposits sent to you on a predetermined daily schedule (up to 3x a day, Monday through Sunday, including holidays). Same Day Deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, for no extra fee for QuickBooks Money users. QuickBooks Money payment request fees apply for ACH and card transactions. Once batched, eligible deposits will be sent to your QuickBooks Money account, and will be available in up to 30 minutes. Transactions between 2:15-3:00 pm PST are excluded and transactions after 9:00 pm PST will be available for deposit the following morning. Deposit times may vary for third party delays.

Instant deposit: Instant Deposit: Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, including delayed eligibility for new users and availability for only some transactions and financial institutions. The service carries a 1.75% fee in addition to standard rates for ACH, swiped, invoiced, and keyed card transactions. This 1.75% fee does not apply to payments deposited into a QuickBooks Checking account. Deposits are sent to the financial institution or debit card that you have selected to receive instant deposits in up to 30 minutes. Transactions between 2:15 PM PT and 3:15 PM PT are excluded and processed the next day. Deposit times may vary due to third party delays.

Automatic Matching: QuickBooks Online will only match bank deposits with transactions processed through QuickBooks Payments. Not all transactions are eligible and accuracy of matches is not guaranteed.

No monthly fees: Other fees and limits apply to the business bank account. See QuickBooks Money Deposit Account Agreement for details.

Terms, conditions, pricing, special features, and service and support options subject to change without notice.

Mobile Credit Card Reader | Payment Processing | QuickBooks (2024)

FAQs

How do I set up mobile credit card payments? ›

How to accept credit card payments on your phone, step-by-step
  1. Sign up with a credit card processor. ...
  2. Download the payment app. ...
  3. Get a mobile reader. ...
  4. Enable a virtual terminal. ...
  5. Determine which credit card information is needed. ...
  6. Enter the order. ...
  7. Process a receipt.

What is a mobile credit card processor? ›

Mobile credit card processing is a burgeoning way to accept payments by card. It provides merchants a way to process credit cards and debit cards at non-traditional locations like outdoor markets and pop up shops, and it's also easy to use.

How to accept credit card payments on my phone without a card reader? ›

Some PSPs offer a payment processing app that you can install on your smartphone to take card payments. Users can input a customer's card details manually or scan a QR code to facilitate fast, secure payments in person.

What is the credit card reader process? ›

When a chip card is inserted into the reader, the two entities communicate with each other in an encrypted language, with a unique code created each time the card is inserted. This data is then sent to the acquiring bank.

Can I use my phone to take card payments? ›

Yes, you can accept credit card payments using a phone. Mobile payment services, such as Stripe, offer businesses this capability. Typically, these platforms have a versatile app that handles the transaction process and helps with additional tasks such as issuing customer receipts and tracking sales.

How do I set up a mobile payment system? ›

Key steps to create a payment app
  1. Analyze payment needs and create requirements.
  2. Plan the project's scope of work, duration, and budget.
  3. Design the payment application.
  4. Select the appropriate tech stack.
  5. Develop the payment app.
  6. Integrate the application with the necessary systems.
  7. Conduct quality assurance.

How much does a mobile payment system cost? ›

Most small retail shops spend $0 to $99 per month for POS software, pay $30 to $800 for mobile readers or tablet-run registers and pay card fees based on sales volume. You can build a free POS system using the free Square POS and free mobile card reader and your only ongoing cost is credit card processing fees.

How does mobile payment processing work? ›

The customer holds their device close to the NFC-enabled POS terminal, approximately within two inches and this initiates the transaction. Both devices use RFID technology (NFC is a subset of this technology) to pass encrypted information back and forth to process the payment, which happens within a matter of seconds.

How do mobile card readers work? ›

Mobile card readers

They connect via a roaming SIM card and process payments using GPRS technology. As long as there is network coverage, you can accept payments wherever you like. This makes them a highly valuable device for a variety of different businesses, including tradespeople and delivery couriers.

How do you take credit card payments when customers are not present? ›

Yes—this process is often referred to as MOTO payments (mail order/telephone order). It's a type of card-not-present (CNP) transaction, meaning that the business manually enters the customer's credit card information into the payment system, rather than having the customer present their card in person.

How do I accept credit card payments remotely? ›

The best way to accept credit card payments depends on your business's needs. The simplest solution is to use a payment service provider that gives you multiple ways to accept online payments, like a hosted checkout page, direct payment links, and a virtual terminal. Pay.com offers all of these options and more.

What are the disadvantages of credit card reader? ›

One major drawback is the slower transaction process compared to traditional magnetic stripe cards. This can lead to longer wait times at checkout counters, creating frustration for both customers and retailers alike.

Do credit card readers need internet? ›

Do card readers need WiFi? Some card readers require a WiFi connection, and others don't. Stripe Reader, for example, is able to communicate with your POS using Bluetooth, but both Stripe Reader and Terminal require an internet connection to process payments.

How much does it cost to run a card reader? ›

For our card readers, the transaction fee is 1.69%. For our digital payment products (Online Store, payment links, gift cards), you'll pay 2.5% per transaction. QR codes are free to use, with no transaction fee.

How do I set up mobile payments? ›

To pay in stores using your phone, you'll need to make sure Google Pay is downloaded and set up on your phone first. Get the Google Pay app on your Android phone. It only takes a few minutes to set up Google Pay on your phone. You'll need your credit or debit card info handy to get the app set up.

How can I pay with credit card in mobile? ›

Check if your card is set up for “Tap to pay,” otherwise add a new card.
  1. On your mobile device, open the Google Pay app .
  2. Tap your Profile picture. ...
  3. Check if the desired card is added and shows up under “Payment methods.” ...
  4. If you can't find any added cards, follow the on-screen instructions to add a card.

How do you turn your phone into a card machine? ›

To make your phone work as a card reader, you will have to install an online billing app. There are quite a few in the market that you can use. Apple Pay for iPhone, Google Pay for Android phones, or the new and popular ScanPay are great apps for safe mobile payments.

How do I set up automatic credit card payments? ›

Three ways to set up automatic payments
  1. Online. Checking in with your account online should allow you to easily search and find "automatic payments" options. ...
  2. In App. ...
  3. By phone. ...
  4. Minimum payment. ...
  5. Set amount. ...
  6. Full balance. ...
  7. Are the payment dates right? ...
  8. Set up payment alerts and monthly balance checks.

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