An Introduction To Mobile Credit Card Processing

Online merchants must be able to meet the ever-evolving demands of their clients. One such example of this involves making sure you can handle any mobile credit card processing demands your clients are going to have. 

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What Is Mobile Payment Processing?

All transactions made through mobile technology are considered mobile payments. The processing of these transactions through a virtual terminal, whether they’re in-app purchases or through a website, is called mobile payment processing. In addition, this mobile payment method is great for businesses on the go. For example, if you’re a dog groomer, you can bring your mobile device reader and accept credit card payments and debit card payments wherever you go. This will make it much more convenient for your customers since most people don’t even use cash anymore.

What is the Biggest Challenge Facing Online Merchants?

Mobile Payment Processing

Online merchants from every imaginable background and walk of life trust eMerchant Authority to meet their needs in this particular regard. Our experience runs in particular towards merchants operating in what is known as a high-risk field.

These are industries which are made to deal with a higher volume of customer complaints and refund requests than what you might expect. There are a number of different reasons for this, but it ultimately comes down to the fact that some customers have higher, even unrealistic expectations with certain types of merchants. Those who need to meet a more specific type of customer satisfaction simply have to give a few more refunds than merchants who offer more straightforward goods and services. One example of such a merchant would be someone who works as an SEO expert. Someone who sells male enhancement supplements would be another. The list goes on. 

What all of these merchants have in common is the need for mobile credit card processing. However, more refunds can also mean more chargebacks. This creates a situation where processing companies like PayPal are hesitant to assume what they consider to be a meaningful financial risk on their part. Their response more often than not in situations such as these is to simply shut the merchant down.

eMerchant Authority can offer a high-risk account to meet all of your payment processing needs. With the right support and tools in your corner, you will be able to handle any and all mobile payment issues that come up. More to the point, you will be able to do this without worrying that your account is going to be suddenly frozen, or shut down altogether.

How To Choose A Mobile Payment Processor

What are the most common mobile payment solutions you can use for your business operations? Since there are several ways you can pay using your mobile device, let’s see which methods mobile credit card processors offer and which ones are best for different business types

  • Mobile credit card readers: this is usually what people think when they mention mobile credit card processing. Business owners can get a card reader so that customers can use their credit and debit cards to pay.  This point-of-sale system is increasingly popular since it’s so convenient and works great for both merchants and customers. In some cases, merchants can use an app to process payments instead of a physical card reader. 
  • Mobile eCommerce: one of the most common mobile payment processing solutions is eCommerce, used for customers who want to shop online and pay for their purchases made on websites using their mobile devices. These payments can be through apps or mobile sites and are usually secure transactions that make it very easy for customers to shop. Most businesses create their sites so that they can boost sales and increase the convenience for the customers. The customers enter their details into secure payment gateways, meaning that the process is fast and straightforward. 
  • P2P mobile payments: peer-to-peer payments aren’t necessarily of interest for mobile merchant services since they include platforms like Venmo and Google Wallet. P2P is generally used between friends and family members. In some cases, people use this method to pay at pop-up stores and similar settings. 
  • In-store mobile payments: this is an in-store payment method when the customer pays using a mobile device with contactless technology. This avoids direct card payment and using a card reader and speeds up the entire payment process. 

How To Choose A Mobile Payment Processor

How can you find the best mobile payment processing service for your business? Choosing a processor can be very tricky since there are many options available on the market. Aside from keeping your account safe, the processor should offer low transaction fees. If you’re a high-risk merchant, choosing great payment service providers can help you get the account you need. High-risk businesses often find it hard to open any type of account due to the nature of their business. 

The processor you’ll choose has to offer an affordable package and low fees. Aside from the decent credit card processing fees, you also need to take a look at all the other fees that are a part of the agreement. You also need a service that will guarantee the safety of your data. Since many high-risk businesses are refused by banks due to fraudulent transactions, that’s something you want to avoid at all costs. The processor should offer safety for all the transactions and keep the privacy of your customers. A data breach is a serious problem for any business; therefore, you have to be very careful with your choice. 

    The Benefits of Mobile Credit Card PRocessing Explained

    If you are just beginning your journey as an online merchant, or if you are just about to get started on building such a business, it can be helpful to understand exactly why it is important that you can process all types of credit cards, as well as other forms of payment.

    Here are the benefits of mobile credit card process, explained in greater detail:

    Merchant Account for Dating

    Customer Convenience

    This is perhaps the most notable benefit of them all. Customers in this day and age now expect to be able to pay for just about anything with their mobile device. This is something that is no longer limited to making purchases on a retail giant like It is not uncommon to see someone using their mobile device to pay for something at the register of a restaurant or other business. Mobile payments give customers the ability to use their money anywhere they please. Your online business absolutely needs to take this fact into account. Customers want to be able to pay with their mobile device, and they want a variety of different options in which to do that.

    Recurring Billing Merchant Account

    Reducing Expenses

    When you have all of your mobile payment processing needs met by a reliable company, such as eMerchant Authority, your business will benefit from reducing your operational expenses. Such expenses must be kept in mind by businesses of all shapes, sizes, and backgrounds. With the best possible mobile credit card processing services for your business, you will be able to cut down on expenses, and put more focus towards building your business in the most straightforward, hassle-free fashion possible.

    Multiple Bank Merchant Solutions

    Appeasing Credit Card Companies & Banks

    Our reputation at eMerchant Authority is built on our relationship to the companies that frequently stop high-risk merchants from moving forward. Our accounts can ensure you are meeting the demands of the companies that are behind these online payment processing options.

    Gift Card Processing

    Loyalty/Reward Integration

    While this doesn’t apply to all online merchants, it is nonetheless something that is well worth keeping in mind for those who do. If your online business includes a program designed to reward repeat customers, the best payment processing solution is going to allow you to integrate your program to your payment solution with ease. This is another way to save both time and money, while also making it easier to grow your business.

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    eMerchant Authority prides itself in being a leader when it comes to the provision of merchant account solutions. We provide merchant account services for both low and high-risk businesses.
    Our services are secure and reliable.

    Besides, we understand just how financially difficult it is to become a business owner. This is why when you partner with us you also enjoy transparent pricing with no long-term contracts or hidden fees.
    Whether you’re a startup or an established business, you can count on us to provide you with a perfect merchant service solution with the latest hardware and software tools such as Clover systems that are perfect for your retail payment needs.

    And because customer satisfaction is what we aim for, we offer ongoing support to all our customers. Our 24/7 customer support team is always on call to answer your questions and attend to your needs.
    Still interested?

    Here are other additional benefits that you receive when you apply for an internet merchant account with eMerchant Authority.

    Merchant Processing

    Merchant Account Experts

    20+ Proven Bank Relationships
    Medium/High-Risk Accounts
    Fast Merchant Account Approval
    E-Commerce & Retail Options
    B2B Vendors Supported

    Multiple Payment Processing

    Multiple Payment Solutions

    Multiple E-Commerce Gateways
    Chargeback Prevention
    ACH, E-Check, Credit Cards
    B2B Level 2/3 Data Discounts
    3D Secure Frictionless Checkout
    Mobile Payments
    EMV Readers

    Merchant Processing Technology

    Intuitive Technology & Support

    Gateway Recurring Billing
    E-Commerce Cart Plugins
    International Merchant Accounts
    Dedicated Account Managers