Category Archives: Cell Phone Credit Card Processing
Smartphone Credit Card Acceptance-Is Your Mobile App and Equipment PCI Compliant?
Is Your Mobile Credit Card App and Equipment Skimmer Safe?
There has been a lot of talk about smartphone credit card acceptance and security issues lately on the web. Consequently, we have received numerous questions in the office about smartphone PCI compliance and what exactly does that mean. Here is what mobile PCI compliance is all about.
1. No retention of full magnetic stripe data, card validation code, or value, or PIN block data.
2. Protect stored cardholder data.
3. Provide secure authentication features.
4. Log payment application activity.
5. Develop secure payment applications.
6. Protect wireless transmissions.
7. Test applications to address vulnerabilities.
8. Facilitate secure network implementation.
9. Cardholder data must never be stored on a server connected to the Internet.
10. Facilitate secure remote access to payment applications.
11. Encrypt sensitive traffic over public networks.
12. Encrypt all non console administrative access.
13. Maintain instructional documentation, and training programs for customers, resellers, and integrators.
AprivaPay, one of PaymentMax’s preferred provider of mobile credit card processing adheres to all 13 PCI requirements. Process your customer’s orders in confidence. AprivaPay is compatible with Android smartphones, Microsoft smartphones, BlackBerry smartphones, and Apple iPhones and iPad devices.
To get started securely accepting credit cards visit www.paymentmax.com.
ROAMpay Mobile Credit Card Processing Common Questions-How do I Resend a Receipt?
Resend Receipts Easily!
We get a lot of great questions here at the PaymentMax office. So good, that I like to post them for other merchants out there who are thinking the exact same thought…Today’s top question has been about re-emailing receipts to customers, and how long the user has access to previous transactions.
The answer is 30 days. You can easily resend any receipt (via email) to your customers from the past 30 days transactions. If you are using ROAMpay mobile you would select Inquiry, Last 30 days, and locate the transaction in question. Click on the receipt to resend, and enter the email address. Done! Easy!
If you have not received an email from your recent transactions, log in and find ROAMplayer web edition, click it, log in, and select transactions from the menu list. Find the transaction in question and resend it to yourself or your customer.
Mobile Credit Card Processing Multiple Lines and Multiple Devices
Multiple Phones Linked to One Merchant Account
As mobile businesses grow a common concern among merchants is, “how do I add multiple lines, and can I use multiple devices?” The answer is yes..PaymentMax Processing makes growing your mobile business a breeze. Here are some details.
Multiple Devices
You can set up your credit card terminal, cell phones, and tablets to one merchant account. There is no need to have multiple merchant MID or TID. All linked devices will process under one merchant account and deposit funds into the same bank account.
Link your iPhone merchant account with your iPad account
Multiple Lines
All that is needed to add additional sub-lines to your merchant account is a separate phone number. The sub-lines can then be added to your mobile credit card processing app manually by the user.
Charges
There are additional charges for sub-lines. Contact your merchant services provider for the different fee schedules.
Reporting
Sub-lines are easily distinguished from one another with detailed mobile credit card processing billing reports.
For more information on mobile credit card processing, adding devices, or sub-lines to your merchant account. Visit www.paymentmax.com
Apple iPad, iPhone 4, iPod Touch, iPhone 3G,3GS Credit Card Reader/Printer
Accept Credit Cards on your iPad
Good news for business owners carrying Apple’s iPad, iPhone 4, iPhone 3G, or iPod Touch who want to physically swipe their customers credit cards, and give them a paper receipt.
Aprivapay offers a credit card reader/printer that is compatible with iPhone/iPod Touch models OS 2.x and later.
For more information on AprivaPay, or to inquire about processing rates visit www.paymentmax.com
Increase Sales with Mobile Phone Credit Card Processing
Android Credit Card Processing
Businesses have become highly mobile over the last couple of years, but recent advancements in mobile credit card processing apps have made it oh so much better. Mobile merchants like limo drivers, home service repair technicians, holiday light hangers, home party consultants, and massage therapists can now accept all forms of payment instantly, using their mobile phone. Here are a few ways businesses accepting credit cards on their cell phones can increase sales.
Attract Cashless Customers
In today’s highly plastic world, customers rarely carry cash. Using debit cards for purchases has become more popular and attractive to consumers in 2010. Mobile business owners can now cash in on their cashless customers by offering credit and debit card acceptance, directly on the spot.
Higher Ticket Amounts
Numerous studies have revealed that consumers spend more money when they are paying with a credit card versus cash. Capture this human tendency by giving your customers the option to pay with a credit card when the purchase decision is being made.
Impulse Buying
We are all guilty of it-impulse buying, especially at those large warehouse stores. But, those large warehouse stores are on to something…strike while the iron is hot, and sales will increase. Mobile merchants using cell phones, like the Apple iPhone or iPad, can do this by walking around their store (or kiosk) with phone in hand. Eliminating customer check out lines will increase sales by reducing the amount of time consumers have to contemplate the purchase.
Professional Image
Businesses that accept credit and debit cards appear more professional, and legitimate than those companies who accept cash only. Mobile merchants with no means of electricity were once saddled by this way of thinking. Thanks to smartphones like the Droid X and HTC EVO, these image issues can be overcome.
Consumers Never Lose Sight of Their Cards
One great advantage to mobile phone credit card acceptance is the fact that the consumer never loses sight of their card. This greatly reduces the chances of credit card skimming, or the illegal copying of credit card information. Consumer confidence and reassurance in your business is a great way to increase sales, and repeat business.
Credit and debit card payments have become the preferred method of payment for most consumers. Mobile phone credit card processing can increase sales by attracting cashless customers, project a professional image, promote cardholder security, and capture impulse buys and higher average ticket sales.
To get started accepting credit and debit cards with hundreds of different mobile phones visit www.paymentmax.com
ROAMpay Security Features – Passwords
ROAMpay security password requirements have to be different than your typical desktop because mobile phone users have to go through many more steps to obtain special characters. Requiring special characters renders most devices unusable and is not allowed to be configured.
With that said, ROAMpay passwords are allowed to be all alpha-single case or all numeric, but are required to be longer than your desktop passwords.
Here are ROAMpay password requirements.
- Passwords may be 8 to 30 characters long.
- Passwords may be all upper or lower case.
- Passwords may be all numeric or alpha.
- Passwords may not contain special characters, including dashes, underscores, and spaces.
- Passwords may not have a single character repeating, or be sequential numbers.
- Passwords may not be the same as the username, contain users first name or last name, or any combination of users first or last name.
- Passwords may not be the same as the enterprise name.
- Passwords may not contain a word in the enterprise-supplied list of prohibited passwords.
- Passwords may not be any of the users telephone numbers.
- Users cannot have a password that is used by more than MAX_SHARED_PASSWORD of other users in an enterprise.
For more information on ROAMpay security features like password protection, changing your password, ROAMpay Bluetooth Swiper, or ROAMpay mobile phone compatibility visit www.paymentmax.com
*ROAMpay mobile is the perfect credit card processing application for your Droid X, iphone 4, iphone 3G, HTC, and Blackberry smartphone devices.
ROAMpay and Virtual Terminal
To all of the ROAMpay users out there, and one’s who are looking to sign on…ROAMpay virtual terminal is a big bonus to mobile merchants. For no extra charge ROAMpay mobile users are also equipped with ROAMpay Virtual Terminal.
ROAMpay virtual terminal is accessible through your PC and is a great back up in case your cell phone battery dies, or is having other function challenges.
For more information on ROAMpay mobile and ROAMpay Virtual Terminal contact PaymentMax.
ROAMpay Questions What Happens if Cellphone Service is not Available? Can I Still Accept Credit Cards
A common question I receive is “what happens to my credit card transactions if I have no cell phone service?”
If you find yourself in a no cellphone zone you can still accept your customers credit cards. The transactions will be performed offline. All transactions taken offline will be stored safely and uploaded at a later time when the network is available.
When network service is not available , the login times out. The application stores the username and password and allows the user to conduct offline transactions. The screen text below is displayed alerting the user to the situation.
Login
Login timed out
You may have little
or no connectivity
only offline trxs
will be allowed
continue?
Exit or Continue
If you find yourself offline, go ahead and enter the transaction information. Once there is an available network, all the offline sales will be submitted.
For more information on accepting credit cards with ROAMpay and your cell phone.
PAYware Mobile Versus ROAMpay Mobile Credit Card Applications
PAYware Mobile and ROAMpay Mobile are the most popular smartphone credit card processing applications in our office. A frequently asked questions is, “what is the difference between the two apps”? Here are the major differences between PAYware and ROAMpay.
Signature Capture
PAYware Mobile has signature capture capabilities. ROAMpay Mobile does not. Customers signatures are captured directly on the iPhone screen using the stylus pen.
Limited Phone Compatibility
PAYware Mobile only works with the iPhone 3G or 3GS. ROAMpay is compatible with many different smartphones, Android, Droid, iPhone, iPhone 4, Blackberry, and HTC (just to name a few).
Tracking Capabilities
PAYware mobile has a tracking capability that allows users to geographically track sales. Mobile users can identify what locations are the most profitable.
Cash Order Function
ROAMpay allows users to enter cash orders into application. PAYware mobile does not. The cash order function can benefit those merchants looking to have all sales together on one application for receipts and reporting.
Cost
ROAMpay start-up is more cost effective than PAYware mobile, through PaymentMax. PaymentMax is offering the ROAMpay mobile swiper free with new, approved accounts. PAYware mobile card reader is $139.00 at the Apple store.
Payware Mobile Encryption Sleeve Options
Mobile Merchants using their iphone 3G (or iphone 3GS) and the Payware Mobile encryption sleeve to swipe credit cards have a few program options they should know about.
The slide time out function and the submit after card function. You can find these card reader program options at menu, set-up, secure card reader on the iphone 3G, 3GS.
Here is a look at what they do.
1. Slide Time Out is the amount of time the application allows the user to swipe the credit card. There may be times when there is difficulty reading the credit card track data. The default value of 30 seconds can be adjusted for a longer period of time. However, longer slide time out times can deplete the smart phone battery charge faster.
2. Submit After Card- When this feature is turned on, the credit card transaction will automatically be transmitted to Payware connect for authorization after the card has been swiped through the card reader. The submit after card function eliminates the need to push submit after each transaction.
Most merchants will not need to change these default settings, but it never hurts to know your card reader options.
