Mobile payments to do business, wherever there’s business

Make mobile payments fast and flexible—so you have the power to run your business anyplace.

Accept mobile payments

Speedy sales. Smoother business.

Speedy sales. Smoother business.

  • Accept mobile payments with GoPayment app or card reader
    Give customers flexible ways to pay or invoice payments seamlessly
    Let customers pay by insert, 
tap, or digital wallet to make in-person sales or invoice payments seamless, wherever they happen.**
  • Accept mobile payments and just pay per transaction
    Do business with 
just a device
    Key in card details with the QuickBooks GoPayment app so you never miss a sale, even if you forget your card reader.
  • Mobile payments instantly sync with QuickBooks
    Share the workload while staying protected
    Control user permissions to let your employees take payments, without having to give them access to sensitive info.

Try it out today

It’s easy to get started. Download the QuickBooks GoPayment app and start taking payments right away.

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Accept mobile payments on GoPayment app
Accept mobile payments on GoPayment app
Accept mobile payments on GoPayment app

Order your mobile card reader

Take touch-free card payments anywhere with the GoPayment app and our mobile card reader.

A smarter kind of card reader

The QuickBooks GoPayment app and our mobile card reader let you get paid fast and run business freely—in store, on-site, and on the go.
  • Accept insert, tap, and digital wallet payments.
  • Customers pay, tip, and check out all on the interactive display—no sharing devices.
  • Pay 1% less in processing fees when you get paid by tap or insert compared to key-in payments.**
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img

Mobile credit card processing: How it works

Mobile credit card processing: How it works

Picture your business on the go

Accept all major credit or debit cards. Use the QuickBooks card reader to take tap, insert, or digital wallet payments. Or manually enter customer card info with the GoPayment app.

Accept all major credit or debit cards. Use the QuickBooks card reader to take tap, insert, or digital wallet payments. Or manually enter customer card info with the GoPayment app.

Accept mobile payments with card readers
Accept mobile payments with card readers
Accept mobile payments with card readers

Stay up to date

An increasing number of customers prefer digital wallets like Apple Pay or Google Pay as a method of payment. Digital payments like these are convenient and add a layer of protection to each transaction. Plus, customers only need to tap their phone to a card reader to complete a purchase.
Store credit cards on mobile wallet for mobile payments
Store credit cards on mobile wallet for mobile payments
Store credit cards on mobile wallet for mobile payments

Get your money on the move

Let customers pay by tapping or inserting their card to minimize physical contact. We support Apple Pay, Google Pay, and chip cards.
Accept contactless mobile payments
Accept contactless mobile payments
Accept contactless mobile payments

Meet the QuickBooks GoPayment app

Meet the QuickBooks GoPayment app

  • Include products, services, sales tax settings and tip preferences on QuickBooks
    Key in payments
    Manually enter card details on any device with the QuickBooks GoPayment app.
  • Accept payments by manually keying in card info
    Intuitive item setup
    Add labels, prices, and images to quickly find the product or service you’re looking for.
  • Get next day deposits on mobile payments
    Keep cards on file
    Save customer card info to make repeat transactions that much simpler.

Try it out today

It’s easy to get started. Download the QuickBooks GoPayment app and start taking payments right away.

Text sent successfully
Something went wrong
Learn more

Message and data rates may apply.

GoPayment app
GoPayment app
GoPayment app

Order your mobile card reader

Take touch-free card payments anywhere with the GoPayment app and our mobile card reader.

card reader image

A smarter kind of card reader

  • Accept insert, tap, and digital wallet payments.
  • Customers pay, tip, and check out all on the interactive display—no sharing devices.
  • Pay 1% less in processing fees when you get paid by tap or insert compared to key-in payments.**
Get my reader

Low, flat rates. 
No monthly fees.

Keep more of what you make with our affordable rates. No upfront costs, subscriptions, or hidden fees.

Download GoPayment
Charge more than $7,500 per month?

Save up to 40% — chat with us to find out how.

  • Square*
    PayPal*
  • ACH
    An electronic payment between banks that pulls money from your customers bank account and pushes it to your bank account.
  • Keyed
    Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
  • Invoice
    Sharing an online invoice with your customer, who then pays it using a credit or debit card.
  • Card reader
    Card payments processed by insert, tap, or digital wallet with a card reader.
  • 1%
    (max $10)
    1%
    (min $1)
    2.9%
    + 30¢
  • 3.4%
    + 25¢
    3.5%
    +15¢
    3.5%
    +15¢
  • 2.9%
    + 25¢
    2.9%
    + 30¢
    2.9%
    + 30¢
  • 2.4%
    + 25¢
    2.6%
    + 10¢
    2.7%
ACH An electronic payment between banks that pulls money from your customers bank account and pushes it to your bank account.
  • QuickBooks
  • Square*
  • Paypal*
  • 1% (max $10)
  • 1% (min $1)
  • 2.9% + 30¢
Keyed Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
  • QuickBooks
  • Square*
  • Paypal*
  • 3.4% + 25¢
  • 3.5% +15¢
  • 3.5% +15¢
Invoice Sharing an online invoice with your customer, who then pays it using a credit or debit card.
  • QuickBooks
  • Square*
  • Paypal*
  • 2.9% + 25¢
  • 2.9% + 30¢
  • 2.9% + 30¢
Card reader Card payments processed by insert, tap, or digital wallet with a card reader.
  • QuickBooks
  • Square*
  • Paypal*
  • 2.4% + 25¢
  • 2.6% + 10¢
  • 2.7%
*Rates are accurate as of 3/31/2021. Fee comparison excludes PayPal ACH for sending money to friends and family.

The card reader that keeps customers moving

The card reader that keeps customers moving

  • GoPayment lightweight, portable card reader
    Convenient card payments
    Accept insert, tap, or digital wallet payments to make transactions fast and flexible.
  • One rate for GoPayment card reader transactions
    Interactive display
    Let customers pay, tip, and check out all on the QuickBooks card reader—no sharing devices.
  • Get next day deposits on card reader transactions
    Lower fees
    Pay 1% less in processing fees when you accept payments with your mobile card reader vs. keying in transactions.

What you need to know about card readers

What’s different between mobile card readers and mobile POS systems

A mobile card reader allows you to accept credit and debit cards. They range from basic readers for swiping to those that accept EMV chip cards and NFC contactless payments.

  

A mobile point-of-sale system, or mPOS, is portable and runs on a smartphone or tablet, allowing you to manage inventory, track products, and accept payments when connected via Wi-Fi to the accounting system.

A mobile card reader allows you to accept credit and debit cards. They range from basic readers for swiping to those that accept EMV chip cards and NFC contactless payments.

A mobile point-of-sale system, or mPOS, is portable and runs on a smartphone or tablet, allowing you to manage inventory, track products, and accept payments when connected via Wi-Fi to the accounting system.

What’s different between mobile card readers and mobile POS systems
What’s different between mobile card readers and mobile POS systems
What’s different between mobile card readers and mobile POS systems

Explore card reader options

EMV: EMV card readers (Europay, MasterCard, and Visa) can dip or tap to accept payments. A worldwide standard, EMV allows for more secure transactions.

 

NFC: NFC, or Near-Field Communication, is a “contactless” payment, similar to Apple Pay and Google (or Android) Pay. The card info is stored on and accessed from a separate device, like a smartphone, when placed near an NFC card reader to accept payments.

 

Magstripe: A magstripe card reader reads the info stored in the magnetic strip of a credit and debit card. Swipe to accept payments.

EMV: EMV card readers (Europay, MasterCard, and Visa) can dip or tap to accept payments. A worldwide standard, EMV allows for more secure transactions.

 

NFC: NFC, or Near-Field Communication, is a “contactless” payment, similar to Apple Pay and Google (or Android) Pay. The card info is stored on and accessed from a separate device, like a smartphone, when placed near an NFC card reader to accept payments.

 

Magstripe: A magstripe card reader reads the info stored in the magnetic strip of a credit and debit card. Swipe to accept payments.

Explore card reader options
Explore card reader options
Explore card reader options

Card readers are a smart business choice

In today’s marketplace, customers don’t always carry cash. Accepting credit cards is a must for many small businesses. Giving customers card payment options could mean the difference between making a sale and missing out.

Card readers may also help your business save on fees, as many payment providers charge more for keyed-in transactions than those processed by a card reader.

In today’s marketplace, customers don’t always carry cash. Accepting credit cards is a must for many small businesses. Giving customers card payment options could mean the difference between making a sale and missing out.

Card readers may also help your business save on fees, as many payment providers charge more for keyed-in transactions than those processed by a card reader.

Card readers are a smart business choice
Card readers are a smart business choice
Card readers are a smart business choice
image

Is a more powerful POS system right for you?

Check it out

Order your mobile card reader

 

 

  • Accept Apple Pay®, Google Pay™, EMV chip, and debit and credit cards
  • Charge via included charging cable
  • Stays charged one week or longer, depending on usage
  • Help protect yourself from fraud with encrypted EMV chip transactions
  • Connect wirelessly to your phone or tablet via Bluetooth in the QuickBooks GoPayment iOS and Android apps

card reader power stand

QuickBooks Card Reader

$49

Get started

QuickBooks Power Stand

$39

Get started

QuickBooks Card Reader and Power Stand

$79

Get started

Low, flat rates. 
No monthly fees.

Keep more of what you make with our affordable rates. No upfront costs, subscriptions, or hidden fees.

Download GoPayment
Charge more than $7,500 per month?

Save up to 40% — chat with us to find out how.

  • Square*
    PayPal*
  • ACH
    An electronic payment between banks that pulls money from your customers bank account and pushes it to your bank account.
  • Keyed
    Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
  • Invoice
    Sharing an online invoice with your customer, who then pays it using a credit or debit card.
  • Card reader
    Card payments processed by insert, tap, or digital wallet with a card reader.
  • 1%
    (max $10)
    1%
    (min $1)
    2.9%
    + 30¢
  • 3.4%
    + 25¢
    3.5%
    +15¢
    3.5%
    +15¢
  • 2.9%
    + 25¢
    2.9%
    + 30¢
    2.9%
    + 30¢
  • 2.4%
    + 25¢
    2.6%
    + 10¢
    2.7%
ACH An electronic payment between banks that pulls money from your customers bank account and pushes it to your bank account.
  • QuickBooks
  • Square*
  • Paypal*
  • 1% (max $10)
  • 1% (min $1)
  • 2.9% + 30¢
Keyed Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
  • QuickBooks
  • Square*
  • Paypal*
  • 3.4% + 25¢
  • 3.5% +15¢
  • 3.5% +15¢
Invoice Sharing an online invoice with your customer, who then pays it using a credit or debit card.
  • QuickBooks
  • Square*
  • Paypal*
  • 2.9% + 25¢
  • 2.9% + 30¢
  • 2.9% + 30¢
Card reader Card payments processed by insert, tap, or digital wallet with a card reader.
  • QuickBooks
  • Square*
  • Paypal*
  • 2.4% + 25¢
  • 2.6% + 10¢
  • 2.7%
*Rates are accurate as of 3/31/2021. Fee comparison excludes PayPal ACH for sending money to friends and family.

Frequently asked questions

Easily accept and process credit cards with EMV chips

Easily accept and process credit cards with EMV chips

  • EMV chip cards are less vulnerable to fraud
    What are EMV chips?
    While all cards come with a magnetic-stripe, some cards offer a higher degree of security through a small embedded chip. Cards with these smart chips are less vulnerable to fraud because they’re incredibly difficult to counterfeit.
  • EMV chips use a digital signature for encrypted transactions
    How do they work?
    When you dip an EMV card the transaction is processed and approved using a “digital signature”. This signature is randomized and encrypted for each individual transaction.
  • EMV chip cards protect against fraud and liability
    Why should I accept them?
    Credit card fraud happens—it’s a pain to deal with for you and your customer. Protect yourself from fraud and liability by staying up to date with the latest in payment technology.

Order your mobile card reader

  • Accept insert, tap, and digital wallet payments.
  • Customers pay, tip, and check out all on the interactive display—no sharing devices.
  • Pay 1% less in processing fees when you get paid by tap or insert compared to key-in payments.**

Get my reader
Free EMV chip card reader
Free EMV chip card reader
Free EMV chip card reader

Frequently asked questions

What are mobile payments & how to use them for your business

By Ritika Puri June 2, 2020

Getting paid is one of the biggest challenges faced by small businesses. Often, your customer has to jump through hoops to pay you. And even when they follow all the correct steps it can take weeks, or months, for those funds to hit your bank account. Along the way the check could get lost in the mail or your customer may forget to pay you altogether. It’s important for small business owners to lessen the number of steps and amount of effort it takes to get paid. Mobile payments are a commonly preferred solution for both merchants and customers. You can take payments on your mobile device using simple accounting or payment processing software.

  

What are mobile payments?

Mobile payments are electronically processed payments through a mobile device, such as a smartphone or tablet. There are many different types of mobile payments, all offering customers the convenience of digital transactions and eliminating the need to carry cash. In a business environment, mobile payments can be used for transactions of goods or services in store as well as outside of the store at pop-up events and markets.

 

Types of mobile payments

When it comes to executing mobile payments, there are several methods available. Each process has its own benefit and strength. The system you choose should serve the unique needs of your individual business.

  • NFC mobile payments
  • Near-Field Communication payments are “contactless” payments using mobile wallets, such as Apple Pay, Google Pay and Samsung Pay. To accept an NFC mobile payment, you need to use a card reader that allows for contactless payments, such as QuickBooks All-in-One card reader. The NFC-enabled card reader communicates wirelessly with the customer’s mobile wallet on their smartphone when they are within two inches of proximity. Contactless payments are just as secure as EMV chip card payments and typically allow for quicker transactions.
  • Magnetic secure transmission (MST) payments
  • Magnetic secure transmission (MST) payments work similarly to NFC by establishing a connection between the customer’s smartphone and the card reader or point of sale (POS). A magnetic signal is passed through the connection, similar to how a physical POS picks up card information when swiped. Samsung Pay users can use MST payments from their devices. MST payments are just as secure as NFC as they are both contactless payments using a secure tokenization system.
  • Quick response (QR) code payments
  • Quick response (QR) code payments are most popular in countries like China and are often advertised on shop posters or product labels. The QR codes can be scanned to process payments. The unique QR code pattern is captured and decoded by the user’s device in order to process the transaction. After the information is transmitted, users may be prompted to confirm payment information or verify geolocation. QR code payments can be scanned by the customer or the merchant. The customer can scan the merchant’s QR code, confirm the price, and finalize the payment. Alternatively, the merchant can scan the customer’s QR code and set the transaction amount, which can be authorized by the customer.
  • Sound wave-based payments
  • Sound wave-based payments, or sound signal-based mobile payments, allow for transactions to be processed without an internet connection, and instead use sound waves to transmit encrypted payment data. Sound waves are sent from the merchant’s terminal to the customer’s smartphone to securely communicate payment details. Then the customer’s smartphone converts that data into analog signals that finalize the transaction.
  • SMS payments
  • SMS payments are a convenient way to pay for products or services via text message. A customer can get a code from a merchant’s website and text that code to the text number provided by the merchant in order to confirm payment and receive access to what they paid for. Once the SMS payment is processed, the payment amount is added to the customer’s phone bill.
  • Mobile bank transfers
  • Mobile bank transfers allow for payments to be made without the use of a POS or card reader. This method is most commonly used for peer-to-peer payments and bill payments. The payment is processed by the participating banks, allowing the sender to directly transfer money to the recipient’s bank account. Keep in mind that different banks have different limits for what customers can do with mobile bank transfers.
  

What is a mobile wallet?

A mobile wallet is a digital wallet with credit or debit card information stored on a mobile device, such as on an app on your smartphone. Common mobile wallets include Apple Pay, Google Pay and Samsung Pay. Each mobile wallet securely stores sensitive card and bank data that is encrypted and ready to be used for mobile payments. Some mobile wallets can also store tickets, boarding passes and other documents. To accept a payment using a mobile wallet, the customer simply needs to bring his or her mobile device close to the mobile card reader or POS. 

 

How do mobile payments work?

Depending on the type of mobile payment received, the experience may vary but the result will be the same–a convenient mobile transaction for the customer. If using an NFC-enabled mobile card reader, the customer can simply place their smartphone containing their mobile wallet near the card reader to accept the payment. If using a magstripe reader, the customer can swipe their card to accept the payment. And if using an EMV chip card reader, the customer can ‘dip’ their card to accept the payment. Once the customer’s card information is communicated to the merchant’s card reader or POS, the transaction is passed to a financial institution, the acquiring bank, to send the payment request to the issuing bank, the cardholder’s credit card company. The issuing bank checks if the customer has enough money or credit for the transaction, as well as runs fraud detection checks. If there are no issues, the transaction is authorized and a hold is placed on the funds, which often appears as “pending.” Then the funds are moved from the credit card company to the acquiring bank.

How can I accept mobile payments?

To accept mobile payments for your business, you will need a mobile credit card reader and its accompanying mobile app or software. QuickBooks offers its chip and magstripe card reader free to new customers. Simply follow the card reader setup instructions to begin accepting mobile payments.

What are the benefits of mobile payments?

Several security measures protect the data in mobile payment apps and digital wallets. Consumers send payment information from their phone to a point of sale terminal using transfer technology. This usually happens through Near-Field Communications (NFC). NFC transfers encrypt payment data to protect it from interception. Depending on the app and hardware used the data may also be tokenized. Tokenization means translating credit card data into a single-use token ID number. Even if a hacker obtains the token, it won’t let them access or use the card for extra transactions. Tokenization protects both consumers and businesses from fraud during digital wallet transactions.Security features built into phones serve as an added layer of protection. Consumers often lock their phones with a password, PIN, or biometric identification such as a fingerprint. Once they unlock their phone the payment app or digital wallet often need authentication before a consumer can use them to pay. As a final measure consumers can remote lock or wipe their phones in the case of theft. Make sure to pay close attention to security when choosing payment processing software. Research which party is liable in the event of a data breach, and only use software providers that protect your business. Using a third-party payment provider is often safer than managing your own tech.

In addition to being secure, mobile payments make the transaction experience fast and convenient for the customer. Instead of having to wait in lines to transact via a traditional POS system, in-store payments can be made with mobile card readers, meaning merchants can move the line faster and make more sales. Convenience is also a big factor for customers who don’t typically carry cash and prefer to pay with a credit or debit card.

The future of mobile payments

Mobile payments are valuable payment processing options for small businesses of all types. Whether you are a photographer, shop owner, or freelancer, the ability to get paid from anywhere is powerful. Use your payment processing capabilities as a relationship-building opportunity for your customers. If you’re visiting a client, offer to accept a credit card payment for your services, on the spot. If you take payments at a storefront terminal, use the opportunity to tell customers about loyalty programs or special offers. If you’re collecting payment at a storefront terminal, use the opportunity to tell customers about any loyalty programs or special offers.

As a business owner, your goal is to make the payments process as streamlined as possible. Accepting mobile payments makes it easier for you to get paid faster while protecting yourself from risk and fraud. When you sign up for a mobile payment service, make sure you understand who is responsible in the event of a data breach or fraud. It’s important that your business will not be held responsible for losses. Reputable companies with experience in protecting sensitive data will help protect your business.

Let’s get you paid faster