Mobile Credit Card Reader Apps for eCommerce Business in India

Today’s mobile technology is geared towards a cashless society making it an easy payment tool for small to large transactions that allows both the customer and business owners to reduce the risk of losing money. Modern smartphones can do just about anything from accepting credit cards and debit cards to managing your inventory, orders and more.

There are many credit card reader apps in the market today that come with a variety of features to manage inventory and transactions. With credit card readers, you can sell products and services at events or pop-up shops in India. All you need is a handheld device or a smartphone that’s compatible with a credit card reader.

One of the main appeals of mobile credit card processing for businesses in India is that it requires very little equipment and keeps your upfront costs low. Many processors will offer a free card swiper that reads a magstripe on credit and debit cards. Besides, you can upgrade the reader to accept EMV chip cards.

The most advanced credit card reader features NFC capabilities that allow you to accept contactless payments. Other accessories offered together with EMV card readers include barcode scanners, cash drawers, and receipt printers.

Some credit card readers are necessary with a focus on small businesses while others come with more advanced features to cater to more demanding customers. Therefore you will find that they vary in price and features. We have selected a list of top credit card readers for mobile users that includes something for everyone.

How You Can Turn Your Mobile Device to a Card Reader

To activate a card reader app, you need to plug it on your mobile device. When you’re receiving payment, punch the amount for the purchases and swipe your customer’s credit card through the reader, allow the customer to sign and authorize the payment. On the other hand, you can manually key in a credit card, although this process is more expensive than the former. Besides, a mobile card reader will send electronic receipts on your email for verification and bookkeeping purposes. Here are mobile card readers that will allow you to process card payments wirelessly and on the go.

1. Shopify

Shopify mobile POS and reader accepts credit cards on the go or your retail store. It comes with an entire suite of merchant services that allow merchants to sell at fairs, pop-ups and everywhere in between making it an excellent solution for existing Shopify business on the move with pocket-size readers. The mobile card reader app integrates with Shopify online store to manage your entire business from one dashboard. The card and the swipe reader is free – which is a nice feature to have. Besides, this card reader comes as an extension to existing Shopify services. You can choose the three plans from the basic to the highest plan available.

2. PayPal Here

PayPal Here offers a low-cost entry that can handle sales volumes of less than $500 in a month. The card reader allows you to manage your business to accept credit and debit cards. You can also create and send email invoices, track cash and check payments. PayPal Here automatically syncs with your website and features no monthly fees, setup fees, cancellation fees or transaction fees. Besides, this mobile credit card reader is compatible with both iOS and Android devices. You also receive funds deposited the next business day – making it an excellent choice for small traders who need immediate cash to run their business.

3. SumUp

If you don’t process credit cards regularly, you need a simple, straightforward option that will allow you to accept customers’ payments by swiping, tipping or tapping the transaction. SumUp card reader features low rates with no monthly fees making it an excellent option for artists, art and craft merchants among others.

4. QuickBooks Payment

QuickBooks Payment features a tightly integrated QuickBooks ecosystem, a free card reader and no minimum volume of usage. This card reader can handle both magnetic stripe, EMV chip credit, and debit cards, Apple Pay, Samsung Pay, and Google Pay efficiently. This card reader syncs with your smartphone wirelessly through Bluetooth. QuickBooks Payment does not include any setup fees or a minimum usage level making it an ideal choice for the lower volume business owner. All transactions appear in QuickBooks that allows you to have efficient hassle-free bookkeeping.

5. EMSplus

EMSplus is a low-cost mobile credit card service provider that comes with a free app and reader that will enable you to handle email receipts and invoicing. Also, the app features a cash register mode with product categories and images, secure store customer data, and tip functionality among other features. EMSplus charges no monthly fees and features a low swipe rate. They also have an efficient 24/7 customer support to help you out whenever you have an issue.

6. PayAnywhere

PayAnywhere mobile card reader accepts a full range of payments that includes magstripe, EMV chip and contactless payments like Samsung Pay and Apple Pay. It also allows you to send invoices from within the app, accept card payment on your site and even offer discounts. The entry-level plan is free and connects through Bluetooth. Besides, the upgraded version of this mobile card reader will apply a discount to your customer invoices.

Final Thoughts

The capacity to process credit and debit cards is an essential requirement for any online store today. Since POS terminals use an internet connection, they will allow you to sell your products or services anywhere from a trade fair to a market stall or pop-up shop. As a small business owner, a credit card processing company you choose to set up to accept payments using a mobile device will allow fast checkout time for increased efficiency.

Besides, mobile credit card readers are flexible and easy to use and allow you to process card payments wirelessly. You only need an iOS or Android smartphone or a mobile device to run the app.

For more information: https://www.shopify.in/blog/shopify-retail-kit

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